The SaltnVinegar UE Diary

[Undercover Elsa]

Re: The SaltnVinegar UE Diary

Bless them! Obviously time stood still for them if you were 60 days overdue on 3/11 through to 19/11..

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Bless them! Obviously time stood still for them if you were 60 days overdue on 3/11 through to 19/11..

Yeah they are a bit dim like that! I am expecting this to go through the cycle and go to Trevor Munn again!

[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 - Defaulted but no DN received. No CRA record.
  
  
• Account owner - ArcEurope
  

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2010 - Payment arrangement offer sent
18/8/2010 - Payment arrangement accepted
8/2/2012 - Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
8/2/2012 - Email to QQ questioning threats as on payment arrangement
8/2/2012 - Email from QQ - Apologizing email sent in error
17/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
17/2/2012 - Another Email to QQ questioning threats as on payment arrangement
17/2/2012 - Response from QQ that their records indicate payment not made in over 70 days
17/2/2012 - Email to QQ providing evidence payments made (recorded delivery)
17/2/2012 - Response from QQ that their records indicate payment not made since Nov 2011 and its up to me to find where they have gone!
17/2/2012 - Further Email to QQ providing evidence payments made (recorded delivery and cashed Postal Order numbers)
17/2/2012 - Response from QQ that being investigated and will be updated in 3-7 working days
18/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/2/2012 - Another email from QQ saying thankyou for contacting to pay by cheque and enclosing cheque instructions!
24/2/2012 - Another email from QQ refusing continued agreed payments and demanding balance over 12 months
27/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
28/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
28/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
3/3/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/6/2012 - Response back to QQ - restating payment plan and requesting they accept it
23/6/2012 - Response from QQ - Collection activity will continue unless acceptable payment arrangement made
23/6/2012 - Further email from QQ offering to accept payments over 9 months
23/6/2012 - Further Response back to QQ - enclosed I/E showing what I can afford and disputing balance due to lost payments
25/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
25/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
5/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
5/7/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
6/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
13/7/2012 - Email from QQ notice of deferral to 3rd party debt collectors
17/7/2012 - Letter received from ArcEurope Limited threatening pay up in 10 days or we will take you to court.
25/7/2012 - Email from ArcEurope stating that the account has been transferred to them for collection
4/8/2012 - LBA from Trevor Munn Solicitors giving me 10 days to pay up or they will make an application for CCJ
7/8/2012 - Response back to ArcEurope & Trevor Munn disputing account
7/8/2012 - CCA Request to ArcEurope
9/8/2012 - Letter from ArcEurope, account currently on hold, referred back to their client
24/10/2012 - Letter from ArcEurope, Statement of payments, and Credit Agreement
29/10/2012 - Response back to ArcEurope that account still in dispute
30/10/2012 - CCA sent to Niddy for review
3/11/2012 - Letter from ArcEurope, account currently on hold, referred back to their client
8/11/2013 - Email from QQ - Account 60 days overdue
12/11/2013 - Email from QQ - Account 60 days overdue
14/11/2013 - Email from QQ - Account 60 days overdue
19/11/2013 - Email from QQ - Account 60 days overdue
21/11/2013 - Email from QQ - Account 60 days overdue
25/11/2013 - Email from QQ - Account 60 days overdue
27/11/2013 - Email from QQ - Account 60 days overdue

Just a quick update - couple more emails but nothing more.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

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 - 1st Credit
  

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
4/12/2103 - Introduction Letter from 1st Credit

Hi All

Well looks like BoS have given up on this one.

Today get a letter stating account has been sold to 1st Credit - "assigned all of its respective rights, title and interest in respect of the above referenced account (including outstanding balance). Under the terms of this assignment and as defined in the Data Protection Act 1998, 1st Credit Limited is not the Data Controller of your Personal Data contained in the records of this account."

Unfortunately for 1st Credit they have bought a pup as I have a letter from BoS admitting that they cannot find the agreement and hence being UE (though a debt still remains and should be paid blah blah).

So looks like a Final Response letter will be off in the post to 1st Credit along with copy of the letter from BoS admitting they cannot find the agreement.

SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

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 - 1st Credit
  

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

And so the harassment starts from 1st Credit with a text to my mobile number and a telephone call via my employers switchboard. So much for 'removing your telephone numbers from our systems' by the OC and Capquest - obviously it was not.

I think I will send the same letter I sent to First Source Solutions - it made them back off quickly enough and I'm sure it will have the same effect with 1st Credit.

SnV

[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 - Defaulted but no DN received. No CRA record.
  
  
• Account owner - ArcEurope
  

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2010 - Payment arrangement offer sent
18/8/2010 - Payment arrangement accepted
8/2/2012 - Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
8/2/2012 - Email to QQ questioning threats as on payment arrangement
8/2/2012 - Email from QQ - Apologizing email sent in error
17/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
17/2/2012 - Another Email to QQ questioning threats as on payment arrangement
17/2/2012 - Response from QQ that their records indicate payment not made in over 70 days
17/2/2012 - Email to QQ providing evidence payments made (recorded delivery)
17/2/2012 - Response from QQ that their records indicate payment not made since Nov 2011 and its up to me to find where they have gone!
17/2/2012 - Further Email to QQ providing evidence payments made (recorded delivery and cashed Postal Order numbers)
17/2/2012 - Response from QQ that being investigated and will be updated in 3-7 working days
18/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/2/2012 - Another email from QQ saying thankyou for contacting to pay by cheque and enclosing cheque instructions!
24/2/2012 - Another email from QQ refusing continued agreed payments and demanding balance over 12 months
27/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
28/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
28/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
3/3/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/6/2012 - Response back to QQ - restating payment plan and requesting they accept it
23/6/2012 - Response from QQ - Collection activity will continue unless acceptable payment arrangement made
23/6/2012 - Further email from QQ offering to accept payments over 9 months
23/6/2012 - Further Response back to QQ - enclosed I/E showing what I can afford and disputing balance due to lost payments
25/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
25/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
5/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
5/7/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
6/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
13/7/2012 - Email from QQ notice of deferral to 3rd party debt collectors
17/7/2012 - Letter received from ArcEurope Limited threatening pay up in 10 days or we will take you to court.
25/7/2012 - Email from ArcEurope stating that the account has been transferred to them for collection
4/8/2012 - LBA from Trevor Munn Solicitors giving me 10 days to pay up or they will make an application for CCJ
7/8/2012 - Response back to ArcEurope & Trevor Munn disputing account
7/8/2012 - CCA Request to ArcEurope
9/8/2012 - Letter from ArcEurope, account currently on hold, referred back to their client
24/10/2012 - Letter from ArcEurope, Statement of payments, and Credit Agreement
29/10/2012 - Response back to ArcEurope that account still in dispute
30/10/2012 - CCA sent to Niddy for review
3/11/2012 - Letter from ArcEurope, account currently on hold, referred back to their client
8/11/2013 - Email from QQ - Account 60 days overdue
12/11/2013 - Email from QQ - Account 60 days overdue
14/11/2013 - Email from QQ - Account 60 days overdue
19/11/2013 - Email from QQ - Account 60 days overdue
21/11/2013 - Email from QQ - Account 60 days overdue
25/11/2013 - Email from QQ - Account 60 days overdue
27/11/2013 - Email from QQ - Account 60 days overdue
3/12/2013 - Email from QQ - Account 60 days overdue
5/12/2013 - Email from QQ - Account 60 days overdue

Couple more emails from QQ.....

Having been through this process a few times now over the last 4 years I have got to love how the harassment ramps up as Christmas approaches as the leeches KNOW that people will have been scrimping and saving just to have some sort of nice family time. They seem to think that we're out buying iPads and sports cars, when the reality was a couple of years ago we had less than £50 which just about covered a turkey and trimmings!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

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 - 1st Credit
  

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 10:15 - Phone call from 1st Credit at work

Obviously they won't have received my letter yet but another phone call from 1st Credit at work - refused to answer security questions and requested all correspondence placed in writing.

[cecilia]

Re: The SaltnVinegar UE Diary

I thought they were not allowed to call you at work because of Data protection.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

I thought they were not allowed to call you at work because of Data protection.

It doesn't stop them unfortunately. However they do not have my direct dial so they are calling my employers main reception so they shoot themselves in the foot on a couple of points:

1) Their client has been previously told that I am not to be called at work. I have a letter from them stating that my phone number had been removed from their systems and neither they or their agents would contact me at work again - FAIL

2) They cannot claim they haven't called me at work - as they go via main reception all calls are recorded - FAIL

3) They KNOW they are contacting me at work as they are calling my employers main reception number - therefore they KNOW that by calling me is distracting and potentially detrimental to my employer - FAIL

4) All above contrary to OFT guidelines - FAIL

So my latest letter to them makes it very clear they contact me at work again, and consequently prevent me from carrying out the duties I am employed to do, that I will be starting legal proceedings against them.

Will let you know what the response is

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

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 - 1st Credit
  

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

Oh dear 1st Credit really are digging themselves a hole. I'll give them a few more days for them to read the letter they've been sent.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

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 - 1st Credit
  

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

Even a phone call on a SUNDAY. Well keep going 1st Credit - each phone call when you have been told this will not be discussed with you adds to your conduct of harassment.

[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 - Defaulted but no DN received. No CRA record.
  
  
• Account owner - ArcEurope
  

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2010 - Payment arrangement offer sent
18/8/2010 - Payment arrangement accepted
8/2/2012 - Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
8/2/2012 - Email to QQ questioning threats as on payment arrangement
8/2/2012 - Email from QQ - Apologizing email sent in error
17/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
17/2/2012 - Another Email to QQ questioning threats as on payment arrangement
17/2/2012 - Response from QQ that their records indicate payment not made in over 70 days
17/2/2012 - Email to QQ providing evidence payments made (recorded delivery)
17/2/2012 - Response from QQ that their records indicate payment not made since Nov 2011 and its up to me to find where they have gone!
17/2/2012 - Further Email to QQ providing evidence payments made (recorded delivery and cashed Postal Order numbers)
17/2/2012 - Response from QQ that being investigated and will be updated in 3-7 working days
18/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/2/2012 - Another email from QQ saying thankyou for contacting to pay by cheque and enclosing cheque instructions!
24/2/2012 - Another email from QQ refusing continued agreed payments and demanding balance over 12 months
27/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
28/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
28/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
3/3/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/6/2012 - Response back to QQ - restating payment plan and requesting they accept it
23/6/2012 - Response from QQ - Collection activity will continue unless acceptable payment arrangement made
23/6/2012 - Further email from QQ offering to accept payments over 9 months
23/6/2012 - Further Response back to QQ - enclosed I/E showing what I can afford and disputing balance due to lost payments
25/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
25/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
5/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
5/7/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
6/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
13/7/2012 - Email from QQ notice of deferral to 3rd party debt collectors
17/7/2012 - Letter received from ArcEurope Limited threatening pay up in 10 days or we will take you to court.
25/7/2012 - Email from ArcEurope stating that the account has been transferred to them for collection
4/8/2012 - LBA from Trevor Munn Solicitors giving me 10 days to pay up or they will make an application for CCJ
7/8/2012 - Response back to ArcEurope & Trevor Munn disputing account
7/8/2012 - CCA Request to ArcEurope
9/8/2012 - Letter from ArcEurope, account currently on hold, referred back to their client
24/10/2012 - Letter from ArcEurope, Statement of payments, and Credit Agreement
29/10/2012 - Response back to ArcEurope that account still in dispute
30/10/2012 - CCA sent to Niddy for review
3/11/2012 - Letter from ArcEurope, account currently on hold, referred back to their client
8/11/2013 - Email from QQ - Account 60 days overdue
12/11/2013 - Email from QQ - Account 60 days overdue
14/11/2013 - Email from QQ - Account 60 days overdue
19/11/2013 - Email from QQ - Account 60 days overdue
21/11/2013 - Email from QQ - Account 60 days overdue
25/11/2013 - Email from QQ - Account 60 days overdue
27/11/2013 - Email from QQ - Account 60 days overdue
3/12/2013 - Email from QQ - Account 60 days overdue
5/12/2013 - Email from QQ - Account 60 days overdue
9/12/2013 - Email from QQ - Account 60 days overdue

Another email

[Never-In-Doubt]

Re: The SaltnVinegar UE Diary

Even a phone call on a SUNDAY. Well keep going 1st Credit - each phone call when you have been told this will not be discussed with you adds to your conduct of harassment.

if you want I could try and get rid of this for you mate..... If so just say

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

if you want I could try and get rid of this for you mate..... If so just say

Thanks matey - lets see how the respond to the letter I sent them last week - been no phone call today so suspect it may have registered

[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 Apex Credit Management (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

Looks like Moorcroft have given up on this one. Received letter today from Lloyds TSB has been sold to Robinson Way. I'll wait until I get their first gem in the post then I'll send them the identical letter I sent to Moorcroft back in May and see what happens!