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  • #496
    Re: The SaltnVinegar UE Diary

    Originally posted by SaltnVinegar View Post
    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
    13/12/2013 - Introduction letter from Robinson Way
    Letter received from Robinson Way - they are collecting the account from behalf of their client (so not actually sold), and will be in touch in the next 7 days to discuss payment proposals (bless isn't that nice).

    Well I'll wait for the next letter and then respond to that one as I'm not going to ruin the surprise for them just yet
    "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

    The consumer is that sleeping giant.!!


    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

    Comment

    • #497
      Re: The SaltnVinegar UE Diary

      Originally posted by SaltnVinegar View Post
      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
      13/12/2013 - Email from QQ - Account 60 days overdue
      And another email........

      I think I am going to set up a rule to send an autoreply back to Quickquid stating that the email address is no longer valid (or something similar).
      "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

      The consumer is that sleeping giant.!!


      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment

      • #498
        Re: The SaltnVinegar UE Diary

        Originally posted by SaltnVinegar View Post
        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
        13/12/2013 - Letter from 1st Credit 'County Court Proceedings Being Considered'
        Well no phone call for a couple of days but received the letter below from 1st Credit. As it was dated Monday I'll give them the benefit of the doubt that letters have crossed in the post but just to sure I'll be sending them http://www.all-about-debt.co.uk/old/...nce-litigation

        Its a poor letter that puts them in breach of civil procedure rules also so am not going to take the threat seriously (not to mention admission from their client that they do not have an agreement).

        County Court Proceedings Being Considered

        "We accept affordable arrangement offers"

        We invite you to contact us to agree repayment terms. Our agents will assess the affordability of your repayment offer over the phone.

        It is important to us that your offer of repayment is reasonable and one that you can comfortably maintain.

        Our policy is that we can work together to support your commitment to repaying this debt.

        Give us a call and one of our agents will run through an affordability assessment with you and agree suitable repayment terms.

        Please call us.

        Gavin Flynn - Head of Collections
        "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

        The consumer is that sleeping giant.!!


        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment

        • #499
          Re: The SaltnVinegar UE Diary

          Ok change of tact - just read the 1st Credit Threat thread:

          http://forums.all-about-debt.co.uk/s...ass-Assignment

          Am going to send off a CCA request tomorrow and treat them as a new creditor.....
          "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

          The consumer is that sleeping giant.!!


          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment

          • #500
            Re: The SaltnVinegar UE Diary

            Originally posted by SaltnVinegar View Post
            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
            13/12/2013 - Letter from 1st Credit 'County Court Proceedings Being Considered'
            13/12/2013 - CCA Request Sent
            No flies on me - CCA request typed up, printed and sent already
            "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

            The consumer is that sleeping giant.!!


            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment

            • #501
              Re: The SaltnVinegar UE Diary

              Probably the best way S&V

              Comment

              • #502
                Re: The SaltnVinegar UE Diary

                Originally posted by vint1954 View Post
                Probably the best way S&V
                Thanks Vint - I've read a couple of horror stories of 1st Credit starting action even when they have been informed the OC does not have the paperwork. I hope I haven't shot myself in the foot by doing this and the CCA request gets to them before the next cog in the machine starts turning. The CCA request should then be a nice spanner
                "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                The consumer is that sleeping giant.!!


                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment

                • #503
                  Re: The SaltnVinegar UE Diary

                  No, I think it is the best way. Start afresh with them

                  Comment

                  • #504
                    Re: The SaltnVinegar UE Diary

                    Originally posted by vint1954 View Post
                    No, I think it is the best way. Start afresh with them
                    Well although its a PITA to send another CCA request the main thought running through my mind is that when they get the CCA request they are going to already know that the OC hasn't been able to find it
                    "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                    The consumer is that sleeping giant.!!


                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #505
                      Re: The SaltnVinegar UE Diary

                      Originally posted by SaltnVinegar View Post
                      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
                      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
                      Letter received from 1st Credit - one liner:

                      "Thank you for your recent correspondence. Your account has been passed to the appropriate department and they shall respond in due course."

                      So this was dated before I sent the CCA request so suspect its in response to my letter of the 5th. Will be interesting to see what the response of the "appropriate department" will be in "due course"
                      "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                      The consumer is that sleeping giant.!!


                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #506
                        Re: The SaltnVinegar UE Diary

                        They will probably agree to stop phoning as long as you respond to their letters

                        Comment

                        • #507
                          Re: The SaltnVinegar UE Diary

                          Originally posted by vint1954 View Post
                          They will probably agree to stop phoning as long as you respond to their letters
                          Hi Vint - well not had a call for over a week now so they certainly have taken note of my letter. If they continue to disrupt me when working then I have a real case against them for harassment and potential loss of earnings so they'd be stupid to ignore that.
                          "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                          The consumer is that sleeping giant.!!


                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment

                          • #508
                            Re: The SaltnVinegar UE Diary

                            Yep, was it Roberts v HSBC

                            Comment

                            • #509
                              Re: The SaltnVinegar UE Diary

                              Originally posted by SaltnVinegar View Post
                              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
                              13/12/2013 - Introduction letter from Robinson Way
                              23/12/2013 - Doorstep Collection Threat from Robinson Way
                              Half hearted threat-o-gram today from Robinson Way. If I do not contact them or repay the balance then they will do one of the following 3 things to me:

                              • Affect my ability to obtain credit (missed the boat on that one chums as its fubar already)
                              • Continue to contact me by letter and/or by phone (oooer)
                              • Ask a local doorstep collector to visit me to agree to an affordable repayment plan (they will have trouble as I do not have a doorstep nor will I agree to anything)


                              Think I will leave it a few days (no point posting anything now before Christmas), and then send them the letter I sent to Moorcroft back in May. See if RW capitulate any more quickly
                              "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                              The consumer is that sleeping giant.!!


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                              Comment

                              • #510
                                Re: The SaltnVinegar UE Diary

                                good plan S&V just a wee last chance mailshot

                                Comment

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