The SaltnVinegar UE Diary

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Quick Quid:

• Type of account - Payday Loan
  
  
• Date commenced - Late 2009/Early 2010 (not sure exactly)
  
  
• Approx balance - Approx £750
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying
  
  
• Status - Default recorded with CRA's but no DN received.
  
  
• Account owner - Quickquid
  

Key:
Blue - Communication Sent
Red - Communication Received

......................Lots and lots of lines I've removed from here!

25/1/2015 - Text from Red Castle Recoveries saying its urgent they speak to me
26/1/2015 - Offer letter from BCW offering 40% discount

Hmm so BCW must be getting desperate now - received a text from a couple of days ago - not sure how they got my mobile number, suspect some other scumbag DCA has shared that little nugget. Also have a letter from them offering a 40% discount.

I'm tempted to send them the sharp rebuke I sent to ArcEurope a couple of years ago which made them sell the account faster than a hot bun, but also don't want to offer them any encouragement either!

[MrsD]

Re: The SaltnVinegar UE Diary

one of mine sent an outright forgery, I promptly sent back "it's a forgery" never heard a peep since....................................

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

I think you might be in the "too difficult to deal with" pile

Thanks Mrs D

That much is very true! Its quite a unique situation that they have with this one, there is no way that they can now prove that they have a 'true' copy so theres no way I can see it being enforceable, the only thing thats playing on my mind is that MKDP/Keynes have been very trigger happy recently on sending out claims even those that are obviously UE.

10 weeks is quite some time to put it on hold. how long until it's SB?

It is indeed, a couple of months, maybe three, is a good chunk of the SB date. I've got approx 18 months to go though still.

I think you'll go back to the beginning of the process at the end of the ten weeks with a new lackey and you can go through the whole process again, that's if they come back at all, the "too difficult" might not be a bad pile to be in

I like being in the 'too difficult' pile

My only concern is that they're trying to sidestep the issues to progress this to court. Guess I can't worry about that too much because if thats what they want to do they'll do it anyway.

[MrsD]

Re: The SaltnVinegar UE Diary

I think you might be in the "too difficult to deal with" pile

10 weeks is quite some time to put it on hold

how long until it's SB?

I think you'll go back to the beginning of the process at the end of the ten weeks with a new lackey and you can go through the whole process again, that's if they come back at all, the "too difficult" might not be a bad pile to be in

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Barclaycard:

• Type of account - Credit Card
  
  
• Date commenced - Unknown
  
  
• Approx balance - £2500 (allegedly)
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Neither
  
  
• Status - No CRA record, do not recognize alleged debt
  
  
• Account owner - MKKR

Key:
Blue - Communication Sent
Red - Communication Received

10/4/2014 - Text received from MKKR
11/4/2014 - Introduction letter received from MKKR
11/4/2014 - Prove it letter sent
16/5/2014 - Letter from MKKR with supposed account statements (which arrived after letter dated 25/5!)
22/4/2014 - Letter received from MKKR - we want to offer a payment plan blah blah
25/5/2014 - Letter from MKKR that they are unable to comply with my request - liaising with client
3/6/2014 14:15 - Phone call from MKKR
4/6/2014 - CCA request sent
3/6/2014 - Letter from MKDP - unable to resolve my query
11/6/2014 - Letter from MKDP - Reconstituted credit agreement sent
16/7/2014 14:29 - Phone call from Compello
16/7/2014 - 17:52 - Phone call from Compello
23/7/2014 - Final Notice letter from Compello saying that account will be passed to their 'pre-legal' department for review
23/7/2014 - Sent a 'special' letter disputing debt
11/8/2014 09:50 - Phone call on mobile from MKRR (new number)
11/8/2014 - Letter from MKRR stating that due to non payment account will be passed to Keynes Collections for litigation consideration
12/8/2014 - Formal Complaint sent to MKRR
15/8/2014 - Letter from Keynes Collections threatening litigation
15/8/2014 - Formal Complaint sent to Keynes Collections
1/9/2014 - Letter from Keynes Collections currently unable to resolve my query, need to investigate, may need to contact OC etc
26/9/2014 - Letter from MKDP still unable to resolve my query, in correspondence with OC, and will contact me when they have an update
17/10/2014 - Letter from MKDP still unable to resolve my query, in correspondence with OC, and will contact me when they have an update
5/1/2015 - Letter from MKDP still unable to resolve my query, in correspondence with OC, and will contact me when they have an update
26/1/2015 - Final Response letter from MKDP

Hi All

I need some help/suggestions on how to tackle MKDP on this one.

They have sent me a 'final response' which basically states that they believe I am making an allegation that the account is fraudulent, and that I must report this to Barclaycard. They have suspended the account for 10 weeks, after which they will resume collection activity.

So basically they have completely ignored my point, which is they have failed my s78 request to provide a true copy of the agreement (as they have provided two agreements, one with incorrect name and address details), and instead are ducking the issue by trying to refer me back to the OC.

So whats the best approach here? I'm thinking that I reply to their 'final response' along the lines of the above stating they have ignored all of the issues complained about but have responded under a false belief), but also that as the debt purchasor they not only purchased the rights but also the duties from the original creditor, therefore its inappropriate to refer me back to the OC (depending on type of assignment, which this letter would also hopefully tease out of MKDP).

Anyone do it differently?

Thanks
SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Personally I don't think I would notify them let them find you (if they must)

Thanks Nanna - well a couple of other creditors have already picked up on the change of address so shouldn't be too difficult for them to do the same. While the are using Firstsource Advantage, and only providing a postal address in India, they're not going to get much correspondence from me anyway!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Empire (Shop Direct)

• Type of account - Catalogue Account
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - Approx £769
  
  
• Date last full 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 - NoA from Lowell
13/11/2014 - Letter from Lowells - offer of pay £1/day
18/12/2014 - Letter from Lowells - Going to assess my financial circumstance

Letter from Lowells - They are going to assess my financial circumstances to determine what options are available to them to recover the debt. Morons - they know full well what options may be available to them!

[nanna58]

Re: The SaltnVinegar UE Diary

Personally I don't think I would notify them let them find you (if they must)

[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

Well well - AMEX have finally registered a default with the CRA's after many many months of 6 month late payment markers. I also notice that they have the status of my account as 'Gone Away'.

Now I have changed address, and mail they have sent me is being forwarded to me - question is do I write to inform them of my new address incase they try to get a sneaky court claim in?

Or, do I let sleeping dogs lie and let them trace me to my new address (which shouldn't be too difficult - Lowells nailed it within 2 months!)

Thoughts?

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Lloyds TSB:

• Type of account - Current Account/Overdraft
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - Approx £800
  
  
• Date last full payment - August 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received. Default registered with CRA June 2011 but no shows as no entries made since June 2013??
  
  
• Account owner - Collection with Robinson Way (still owned by Lloyds TSB)
  

Key:
Blue - Communication Sent
Red - Communication Received

26/7/2012 - Letter received from BLS Collections. One liner stating that I must contact them TODAY

1/8/2012 - Letter received from BLS Collections. I appear to be in arrears on my payment arrangement. Unless I bring my arrangement back on track within 10 days they may take further action to collect the full balance.

7/8/2012 - Sent OD CCA Request - allaboutFORUMS - View Single Post - Overdrafts - CCA Information

16/8/2012 - Letter received from BLS stating that while they control account no interest will be accruing
16/8/2012 - Letter received from BLS stating that if I wish to make a payment then could I please contact them by phone
24/8/2012 - Letter received from BLS Collections. One liner stating that I must contact them TODAY
17/10/2012 - Notice from Lloyds TSB that account has transferred to Apex Credit Management Limited for collection
17/10/2012 - Introduction letter from Apex Credit Management
3/1/2013 - Letter from HL Solicitors threatening legal action
28/1/2013 - Letter from Apex Credit Management
4/2/2013 - Home Visit Appointment letter from Apex Credit Management
4/2/2013 - Sent OD CCA Request - allaboutFORUMS - View Single Post - Overdrafts - CCA Information combined with doorstep letter template
8/2/2013 - Letter from Apex Credit Management asking for £1 fee for CCA request
9/2/2013 - Letter from HL Solicitors. It is EXACTLY the same as the letter they sent 3/1/2013 word for word!!
12/2/2013 - Sent letter pointing out that request not made under s77-79 of CCA1974 and to comply with my request
7/3/2013 - Letter from Apex Credit Management stating that as its a current account no CCA available
11/3/2013 - Notice from Lloyds TSB that account has been transferred to Apex Credit Management Limited for collection
23/3/2013 - Letter from HL Solicitors. It is EXACTLY the same as the letters they sent 3/1/2013 and 9/2/2013 word for word!!
4/4/2013 - Sent letter pointing out that request not made under s77-79 of CCA1974 and to comply with my request
19/4/2013 - Letter from Apex Credit Management stating that account on hold and referred back to client
19/4/2013 - Letter from Apex Credit Management stating that account on hold and referred back to client
22/5/2013 - Letter from Lloyds TSB stating account has been transferred to Moorcroft debt recovery for collection
27/5/2013 - Formal complaint made to Moorcroft that Lloyds TSB have yet to comply with my request and that I consider their actions complicit in a conduct of harassment
6/6/2013 - Letter from Moorcroft giving me 7 days to pay balance or they may have to consider possible further debt recovery action
10/6/2013 - Letter from Moorcroft - account suspended
11/12/2013 - Letter from Lloyds TSB - NOA account sold to Robinson Way
13/12/2013 - Introduction letter from Robinson Way
23/12/2013 - Doorstep Collection Threat from Robinson Way
2/1/2014 - Formal complaint made to Robinson Way that Lloyds TSB have yet to comply with my request and that I consider their actions complicit in a conduct of harassment combined with doorstep harassment template
13/1/2014 - Account On Hold letter from Robinson Way
21/2/2014 - Response from Robinson Way that because account is a current account that CCA does not apply
13/3/2014 - Response from Robinson Way - account is on hold pending investigation
22/4/2014 - Letter from Lloyds Bank regards complaint and containing copy of complaints process
12/12/2014 - NoA from Lloyds that account has been sold to 1st Credit
12/12/2014 - NoA from 1st Credit that they have bought the account

Well I can add my account to the list of O/D's that have been sold to 1st Credit. Will wait for the first 'proper' letter from 1st Credit, and will then hit them with the o/d CCA letter and see what happens.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

When Lowell previously closed the accounts, did they send you letters confirming that no further action would be taken against you? If so, I would hit them with those.

Yeah they did, but they did not state that 'no further action would be taken'. I've moved house, and I noticed that they have my new address (which I did not inform them off), so suspect that something on my credit file may have altered and a flag has been raised with them.

Will be interesting to tackle them again, as the enforceability issue I argued was different to the usual s61/77/78/79 approach as I challenged them on unfair relationship provision with regard to charges.

But........... all in good time, happy to play the long game on this and drag it out again.

[Still Waving]

Re: The SaltnVinegar UE Diary

Well this is an arse - for some mysterious reason, Lowells have reopened 4 of the Shop Direct accounts that they had previously closed and restarted the whole collections cycle.

So looks like back to square 1, and step 1 of the UE process - first letter to go will be the 'prove it' letter and see if I can drag this out another 2 years.............

Hi SnV

When Lowell previously closed the accounts, did they send you letters confirming that no further action would be taken against you? If so, I would hit them with those.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Very (Shop Direct):

• Type of account - Catalogue Account
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - Approx £300
  
  
• Date last full 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

13/11/2014 - Letter from Lowells

Well this is an arse - for some mysterious reason, Lowells have reopened 4 of the Shop Direct accounts that they had previously closed and restarted the whole collections cycle.

So looks like back to square 1, and step 1 of the UE process - first letter to go will be the 'prove it' letter and see if I can drag this out another 2 years.............

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Typically depressing and cynical behaviour from DCA's - have seen an increase in activity the last couple of weeks as Christmas draws near. Same every year, but shows their ethics that they increase the harassment levels when they suspect that people may have been putting some money aside.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Barclaycard:

• Type of account - Credit Card
  
  
• Date commenced - Unknown
  
  
• Approx balance - £2500 (allegedly)
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Neither
  
  
• Status - No CRA record, do not recognize alleged debt
  
  
• Account owner - MKKR

Key:
Blue - Communication Sent
Red - Communication Received

10/4/2014 - Text received from MKKR
11/4/2014 - Introduction letter received from MKKR
11/4/2014 - Prove it letter sent
16/5/2014 - Letter from MKKR with supposed account statements (which arrived after letter dated 25/5!)
22/4/2014 - Letter received from MKKR - we want to offer a payment plan blah blah
25/5/2014 - Letter from MKKR that they are unable to comply with my request - liaising with client
3/6/2014 14:15 - Phone call from MKKR
4/6/2014 - CCA request sent
3/6/2014 - Letter from MKDP - unable to resolve my query
11/6/2014 - Letter from MKDP - Reconstituted credit agreement sent
16/7/2014 14:29 - Phone call from Compello
16/7/2014 - 17:52 - Phone call from Compello
23/7/2014 - Final Notice letter from Compello saying that account will be passed to their 'pre-legal' department for review
23/7/2014 - Sent a 'special' letter disputing debt
11/8/2014 09:50 - Phone call on mobile from MKRR (new number)
11/8/2014 - Letter from MKRR stating that due to non payment account will be passed to Keynes Collections for litigation consideration
12/8/2014 - Formal Complaint sent to MKRR
15/8/2014 - Letter from Keynes Collections threatening litigation
15/8/2014 - Formal Complaint sent to Keynes Collections
1/9/2014 - Letter from Keynes Collections currently unable to resolve my query, need to investigate, may need to contact OC etc
26/9/2014 - Letter from MKDP still unable to resolve my query, in correspondence with OC, and will contact me when they have an update

Well MKDP still unable to resolve my dispute. Problem they have created for themselves is they have sent me documentation that relates to two different individuals. I'm hoping that this will be fatal to them now as they cannot credibly state that they can provide a true copy of any agreement that may have been entered into........