The SaltnVinegar UE Diary

[IF]

Re: The SaltnVinegar UE Diary

I have my fingers crossed too SnV

[nanna58]

Re: The SaltnVinegar UE Diary

Everything crossed SnV xx

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Well here I am - 5 years ago, end of September 2010 was when I stopped paying all of my creditors and (for some), entered into a self managed DMP, while some others played silly buggers, refused to accept offers, which led me down the UE route.

Without wanting to bring about the 'evil eye', for those creditors who did not accept my DMP I am now in my final year of getting to the SB finish line.

I know the last 12 months can bring about a flurry of activity, and even the possibility of a claim as they realize it is last chance saloon of getting their money back, however the ones playing silly buggers have not been able to produce an agreement either so

For those creditors I entered into a DMP on, I stopped that in 2012, so have a little longer to go, but am 2/3rds of the way through so not much longer now........

- - - Updated - - -

That's good that 1st Credit have give up. I wonder which DCA it'll be passed to next?

Don't know but I'll keep you posted

[Pixie]

Re: The SaltnVinegar UE Diary

That's good that 1st Credit have give up. I wonder which DCA it'll be passed to next?

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Well some possible good news on the account below

1st Credit have given up and assigned the account back to Bank of Scotland. As I have a letter stating they cannot find a credit agreement, good luck to the next bunch of bottom feeders this gets assigned to.

Halifax/IF:

• Type of account - Credit Card
  
  
• Date commenced - Years and years ago!
  
  
• Approx balance - Approx £800
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying (already established UE)
  
  
• Status - No DN received. Default issued with CRA May 2012
  
  
• Account owner - BoS
  

Key:
Blue - Communication Sent
Red - Communication Received

2/5/2012 - CCA Request Sent
7/6/2012 - Letter from Halifax/If stating that they cannot find my credit agreement and will not try to enforce the agreement while they try to find it
June 2012 - Numerous letters from Wescot making threats
2/7/2012 - Letter to Wescot - Account Sold While In Dispute
7/10/2012 - Letter from Halifax/If stating account transferred to Capquest
19/10/2012 11:05 - Telephone call from Capquest
25/10/2012 - Introduction letter from Capquest
26/10/2012 - Letter to Capquest - Account Sold While In Dispute
26/10/2012 08:50 - Telephone call from Capquest
29/10/2012 - Letter to Capquest - Telephone harassment at work letter
2/11/2012 - Letter from Capquest asking for £1 for CCA request!
13/11/2012 14:38 - Telephone call from Capquest
17/11/2012 - Threat-O-Gram from Capquest
21/11/2012 - Letter to Capquest - Our Templates | Unenforceability Templates | Final Response - Unenforceability (No CCA Received)
1/12/2012 - Letter from Howard Cohen Solicitors stating that court action may be taken
10/12/2012 - Another Letter to Capquest - Our Templates | Unenforceability Templates | Final Response - Unenforceability (No CCA Received)
17/12/2012 - Letter from Capquest acknowledging complaint and stating account is on hold
17/12/2012 - Letter from Capquest offering reduced settlement figure
5/1/2013 - Letter from Capquest responding to complaint
23/1/2013 - Letter from IF rejecting complaint
23/2/2013 - Letter from Halifax/IF giving NOA to First Source Solutions
28/2/2013 - Called at work by First Source Solutions
28/3/2013 - Called at work by First Source Solutions
4/4/2013 - Letter to First Source Solutions combining harassment at work template and Final Response - Unenforceability (No CCA Received)
9/4/2013 - Called at work by First Source Solutions
12/4/2013 - Letter from First Source Solutions - account on hold
11/10/2013 - Letter from Halifax/IF rejecting complaint
4/12/2013 - Letter from BoS informing me account has been assigned to 1st Credit
4/12/2013 - Introduction Letter from 1st Credit
5/12/2013 - Text from 1st Credit
5/12/2013 - Phone call from 1st Credit at work
5/12/2013 - Letter to 1st Credit combining harassment at work template and Final Response - Unenforceability (No CCA Received)
6/12/2013 - Phone call from 1st Credit at work
7/12/2013 - Phone call from 1st Credit to work mobile
8/12/2013 - Phone call from 1st Credit to work mobile
9/12/2013 - Phone call from 1st Credit to work mobile
13/12/2013 - Letter from 1st Credit 'County Court Proceedings Being Considered'
13/12/2013 - CCA Request Sent
18/12/2013 - Letter from 1st Credit
24/12/2013 - Letter from 1st Credit (exactly the same as that on the 18/12) - suspect in response to CCA request
17/1/2014 - Response from 1st Credit - Account on hold
30/1/2013 - Complaint sent to 1st Credit regards response
6/2/2014 - Standard complaint response letter from 1st Credit
10/3/2014 - Final response letter from 1st Credit rejecting complaint
18/7/2014 - Annual statement from 1st Credit
30/9/2015 - Letter from 1st Credit - Account closed and passed back to OC

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Well done SnV, I love good news on AAD....here's to the same result for your others too

Result great xx

This is brilliant news SnV especially when it's Lowells who have been forced to capitulate

Plan B x

Thanks everyone - thats 3 accounts I've got Lowells to close now for Shop Direct so fingers crossed on the remaining few

[PlanB]

Re: The SaltnVinegar UE Diary

another Lowells account bites the dust! A three pronged attack . . . . has caused Lowell to back down.

This is brilliant news SnV especially when it's Lowells who have been forced to capitulate

Plan B x

[nanna58]

Re: The SaltnVinegar UE Diary

Result great xx

[IF]

Re: The SaltnVinegar UE Diary

Well done SnV, I love good news on AAD....here's to the same result for your others too

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Well some good news today - another Lowells account bites the dust! A three pronged attack based around unlawful charges and Shop Direct breaches of the old OFT664 and CONC guidelines has caused Lowell to back down. On to the other ones....

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Monthly update and not much to report. Only letter I've had is from Lowells that they are still investigating my complaint, too much information to gather in 40 days timeframe blah blah, I can now refer my complaint to the FOS blah blah

I suspect that Lowells may be concerned my record keeping is a hell of a lot better than Shop Directs - I doubt very much SD have kept any copies of the letters sent to them, so

Choice (Shop Direct)

• Type of account - Catalogue Account
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - Approx £480
  
  
• Date last payment - August 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received. Default registered with CRA Feb 2011
  
  
• Account owner - Lowell

29/10/2014 - Letter from Lowells
13/11/2014 - Letter from Lowells
25/3/2015 - Letter from Lowells
8/4/2/15 - 30% off balance offer from Lowells
9/5/15 - 40% off balance offer from Lowells
9/5/15 - Account in dispute letter sent to Lowells
9/6/2015 - Letter from Lowells complaint still being investigated
6/7/2015 - Letter from Lowells complaint still being investigated

[nanna58]

Re: The SaltnVinegar UE Diary

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Hi All

Just a monthly update.

1) Challenging Lowell on Shop Direct accounts that charges applied were unlawful. Complaint still being investigated and they're now getting close to the 40 day limit to provide a response

2) Heard nothing from MKDP. They are in breach of my CCA request as they cannot argue that they have sent me a 'true' copy but are refusing to admit that they have anything to answer.

3) Had an email from Red Castle regards the Quickquid account but it is only an annual statement (which also has different amounts in different sections for the balance so looks like some creative accounting at work.

Fingers crossed things stay quiet

For many of my accounts I'm at year 3 or 4 of no payments, and for some others I'm in the home straight and in the final year. I expect the harassment to restart as I get nearer to SB but all been good recently!

ttfn
SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Hi All

Not much to report, things have been very quiet. First off, have been getting some discount offers from Lowells the last few weeks (first 30% then 40%), on the Shop Direct accounts. Have sent them some 'Account Sold while in Dispute' letters, also providing evidence that SD unlawfully added charges to the accounts before they were sold, so that should keep them busy for a while.

Had a letter from MKDP that they would be resuming collections as I hadn't provided evidence that they required. Have written back to them pointing out that the burden of proof is upon them not me, and fobbing me off to the OC is not acceptable. Also reminded them off Pre-Action Protocol directives as they have not adhered to those either, and also reminded them that they could be liable for costs as I have repeatedly asked them for the documentation they would rely on which they have not provided.

Ho hum, long may the silence continue.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

American Express:

• Type of account - Credit Card
  
  
• Date commenced - Not sure approx Sept 2007
  
  
• Approx balance - Approx £2900
  
  
• Date last full payment - March/April 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received, default registered with CRA Oct 2014
  

• Account owner - Firstsource Advantage on behalf of Amex

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2012 - Letter from RMA offering their 'free' debt management services though I have to phone them
21/8/2012 - Payment break letter sent
7/9/2012 - Letter from RMA that account may be passed to 'normal collections'
6/10/2012 - Letter from RMA stating my account will be passed to mainstream collections
11/10/2012 - Letter from Amex stating my account is being passed to an external DCA (UCA)
16/10/2012 - Letter from UCA
18/10/2012 09:54 - Telephone call from UCA
29/10/2012 - Payment break letter sent to UCA
29/10/2012 - CCA Request sent to UCA
6/11/2012 - Letter from UCA
11/12/2012 - CCA response from Amex. Will send to Niddy over the next couple of days to see if its UE or not
6/11/2013 - Letter from Amex that account has been referred to Moorcroft for collection
6/11/2013 - Letter from Moorcroft - account transferred to them cough up in 7 days
11/11/2013 - Phone call from Moorcroft - VM message left
14/11/2013 - Phone call from Moorcroft at 19:48 - VM message left
15/11/2013 - Phone call from Moorcroft at 14:26 - VM message left
30/12/2013 - NOA from Amex - account now with Firstsource Advantage LLC
13/1/2014 - Introduction letter from Firstsource Advantage
30/1/2014 - Offer letter from Firstsource
28/3/2014 - Another offer letter from Firstsource (25% discount payable over 12 months)
29/4/2014 - Letter from Firstsource offering a F&F discount if I call them
23/5/2014 - Final Demand from Firstsource
9/10/2014 - Introduction letter from Firstsource Advantage
27/10/2014 - Offer letter from Firstsource pay balance over 15 months
15/1/2015 - Offer letter from Firstsource pay reduced balance over 12 months
26/3/2015 - Final demand from Firstsource
26/3/2015 - Letter from Firstsource saying account being transferred

Two letters from Firstsource today. First is a final demand stating that if they cannot make a payment arrangement then they will have to refer the account back to Amex

Second letter is to inform me that they are transferring my account to another office that has a UK based address, rather than the one from India which is where previous correspondence states is from!