The SaltnVinegar UE Diary

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

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

Result great xx

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

Plan B x

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

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Well some possible good news on the account below

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

Halifax/IF:

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

Key:
Blue - Communication Sent
Red - Communication Received

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

[Pixie]

Re: The SaltnVinegar UE Diary

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

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

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

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

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

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

- - - Updated - - -

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

Don't know but I'll keep you posted

[nanna58]

Re: The SaltnVinegar UE Diary

Everything crossed SnV xx

[IF]

Re: The SaltnVinegar UE Diary

I have my fingers crossed too SnV

[Oct Revolution]

Re: The SaltnVinegar UE Diary

Good news SnV.

I'm in a similar position to you - in the final year (for most accounts) before they become SB.

All quiet at the moment but as you say there may be a flurry of letters/contact from them as they realise time is running out.

Here's to the last stand!!!

[MustGetStraigh]

Re: The SaltnVinegar UE Diary

I'm in a very similar position - about 3 months ahead of you.
I think if they haven't found your agreements over the last 5 years SnV, they are unlikely to be able to find them now
Fingers - and toes - crossed!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Like a lot of others my BC account was sold to Hoist Portfolio Ltd. The Rob Way collection machine has started turning and had letters, phonecalls and email this week.

Not responding at the moment, but will wait and see how the threats escalate..

Seperate thread for this account is here: http://forums.all-about-debt.co.uk/s...Vinegar-v-MKDP

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
25/3/2015 - Letter from MKDP that they will resume collection activities
9/5/2015 - Further complaint letter and LBA response sent to MKDP
16/5/2015 - Letter from MKDP referring to 'Final Response' letter sent in January
13/6/2015 - Letter from MKDP stating account has gone to their 'Pre-Legal' department
16/6/2015 - Missing Prescribed Terms Letter sent to MKDP
25/6/2015 - 'Final Response' from MKDP dismissing complaint
8/7/2015 - Letter sent to MKDP advising they have not responded to issues I was complaining about
4/8/2015 08:46 - Phone call to work mobile from MKRR
4/8/2015 14:24 - Text from Keynes asking me to call them
6/8/2015 - Letter from MKDP stating they will continue to contact me to make a payment arrangement
7/8/2015 - Letter sent to MKDP advising they have not responded to issues I was complaining about
24/8/2015 - Letter from MKDP asking for FOS ref number and stating that they have sent me a CCA
5/10/2015 - NoA from Hoist Portfolio Holding 2 Limited
5/10/2015 - Letter from Robinson Way that they are acting as collection agents for Hoist Portfolio
19/10/2015 - Letter from Robinson Way demanding payment plan set up
28/10/2015 11:14 - Phone call from Robinson Way
29/10/2015 - Email from Robinson Way

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Hi All

Not much to report the last couple of weeks. I've had some more phonecalls to my work mobile from Robinson Way, but I have their numbers blocked so all they can do is leave voicemails (until they call on a different number, which will get added to the blocked list!).

Other than that all quiet, so long may it continue

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

It would appear that Rob Way are starting to respond in kind to the static silence they get when calling my work mobile (I have got a call block facility so all their calls are automatically forwarded to my voicemail).

Today have another call from a number of theirs, but this time instead of the automated BS, I just get 2 minutes of silence. Thinking of the company that got fined for doing this, and the fact all these calls are registered and recorded so I can prove they are doing it, Rob Way need to be careful!

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 - Robinson Way

Key:
Blue - Communication Sent
Red - Communication Received

.............
26/11/2015 08:20 - Phone call from Robinson Way
2/12/2015 08:40 - Phone call from Robinson Way
3/12/2015 08:25 - Silent Phone call from Robinson Way

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

CCA request was sent earlier in the week. Will see what response is received.

Seperate thread for this account is here: http://forums.all-about-debt.co.uk/s...Vinegar-v-MKDP

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
25/3/2015 - Letter from MKDP that they will resume collection activities
9/5/2015 - Further complaint letter and LBA response sent to MKDP
16/5/2015 - Letter from MKDP referring to 'Final Response' letter sent in January
13/6/2015 - Letter from MKDP stating account has gone to their 'Pre-Legal' department
16/6/2015 - Missing Prescribed Terms Letter sent to MKDP
25/6/2015 - 'Final Response' from MKDP dismissing complaint
8/7/2015 - Letter sent to MKDP advising they have not responded to issues I was complaining about
4/8/2015 08:46 - Phone call to work mobile from MKRR
4/8/2015 14:24 - Text from Keynes asking me to call them
6/8/2015 - Letter from MKDP stating they will continue to contact me to make a payment arrangement
7/8/2015 - Letter sent to MKDP advising they have not responded to issues I was complaining about
24/8/2015 - Letter from MKDP asking for FOS ref number and stating that they have sent me a CCA
5/10/2015 - NoA from Hoist Portfolio Holding 2 Limited
5/10/2015 - Letter from Robinson Way that they are acting as collection agents for Hoist Portfolio
19/10/2015 - Letter from Robinson Way demanding payment plan set up
28/10/2015 11:14 - Phone call from Robinson Way
29/10/2015 - Email from Robinson Way
11/11/2015 - Letter from Robinson Way demanding payment plan
17/11/2015 08:51 - Phone call from Robinson Way
19/11/2015 18:45 - Phone call from Robinson Way
26/11/2015 08:20 - Phone call from Robinson Way
2/12/2015 08:40 - Phone call from Robinson Way
3/12/2015 08:25 - Silent Phone call from Robinson Way
4/12/2015 - Phone call from Robinson Way
7/12/2015 - CCA request sent

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Seperate thread for this account is here: http://forums.all-about-debt.co.uk/s...Vinegar-v-MKDP

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

.....................
7/12/2015 - CCA request sent
14/12/2015 - Letter from Robinson Way - account on hold while agreement requested from O/C

Response from Rob Way - they have requested copy of the agreement from the O/C and account is on hold while they await a response.

[nanna58]

Re: The SaltnVinegar UE Diary

Long may it last xxxxx

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Long may it last xxxxx

Thanks Nanna - the longer the better