The SaltnVinegar UE Diary

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Why are you thinking of paying Wetclothes? Is it enforceable?

Thanks FP thats a good point.

I haven't sent a CCA request to this bunch yet so I think thats option e)

That should keep them busy for a little while longer!

Best
SnV

[pepe2008]

Re: The SaltnVinegar UE Diary

Absolutely ! Thats just a 'please give some money' letter in the hope that you DO see it as a Legit offer rather than a last ditch attempt made when they have run out of ammo !

[ken100464]

Re: The SaltnVinegar UE Diary

Hi All


Looks like the DCA's are gearing up for Christmas

Was thinking the exact same thing watching all these posts and threads going through the last couple of days.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Hi All

Sorry for the multiple updates today! I've been away for work for a week and got home to a heap of letters so quite a few updates!

Looks like the DCA's are gearing up for Christmas

[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
  
  
• Account owner - RMA Regain

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

Apologies for the late updates on this one. I was travelling for work last week so have come home to a load of letters!

So a few updates on this one, Amex have transferred my account to 'UCA' whose letter is as follows:

Dear SnV

Out client, American Express, has asked us to get in touch with you to try to avoid unnecessary formal proceedings that unfortunately could be brought against you for non-payment of your account.

Due to the time that has already elapsed the most important thing you should do is to call on receipt of this letter and register your intention to resolve this matter on a voluntary basis. You have our assurance that on receipt of this call we will suspend any further action for a period of time necessary to assess your situation and implement a reasonable repayment plan to bring the matter to a close.

Please call the number below and talk through with one of our account representatives the issues that you have to date to prevent you from paying the balance above.

We will endeavor to help you and explore the many options that are still available to you, some of which you may currently be unaware of.