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  • #1

    The SaltnVinegar UE Diary

    American Express:
    • Type of account - Credit Card

    • Date commenced - Not sure approx Sept 2007

    • Approx balance - Approx £2900

    • Date last full payment - March/April 2010?

    • Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)

    • Status - Default notice received, default registered with CRA Oct 2014

    • Account owner - Firstsource Advantage on behalf of Amex



    Key:
    Blue - Communication Sent
    Red - Communication Received

    16/8/2012 - Letter from RMA offering their 'free' debt management services though I have to phone them
    21/8/2012 - Payment break letter sent
    7/9/2012 - Letter from RMA that account may be passed to 'normal collections'
    6/10/2012 - Letter from RMA stating my account will be passed to mainstream collections
    11/10/2012 - Letter from Amex stating my account is being passed to an external DCA (UCA)
    16/10/2012 - Letter from UCA
    18/10/2012 09:54 - Telephone call from UCA
    29/10/2012 - Payment break letter sent to UCA
    29/10/2012 - CCA Request sent to UCA
    6/11/2012 - Letter from UCA
    11/12/2012 - CCA response from Amex. Will send to Niddy over the next couple of days to see if its UE or not
    6/11/2013 - Letter from Amex that account has been referred to Moorcroft for collection
    6/11/2013 - Letter from Moorcroft - account transferred to them cough up in 7 days
    11/11/2013 - Phone call from Moorcroft - VM message left
    14/11/2013 - Phone call from Moorcroft at 19:48 - VM message left
    15/11/2013 - Phone call from Moorcroft at 14:26 - VM message left
    30/12/2013 - NOA from Amex - account now with Firstsource Advantage LLC
    13/1/2014 - Introduction letter from Firstsource Advantage
    30/1/2014 - Offer letter from Firstsource
    28/3/2014 - Another offer letter from Firstsource (25% discount payable over 12 months)
    29/4/2014 - Letter from Firstsource offering a F&F discount if I call them
    23/5/2014 - Final Demand from Firstsource
    9/10/2014 - Introduction letter from Firstsource Advantage
    27/10/2014 - Offer letter from Firstsource pay balance over 15 months
    15/1/2015 - Offer letter from Firstsource pay reduced balance over 12 months
    26/3/2015 - Final demand from Firstsource
    26/3/2015 - Letter from Firstsource saying account being transferred
    Last edited by SaltnVinegar; 26 March 2015, 12:57. Reason: Update
    "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.
    Tags: account, card, cca, cca request, challenge, charges, claim, con, consumer, court, credit, credit card, dca, dca's, debt, debtors, debts, default, fine, firm, fun, guidelines, hsbc, information, legal, letter, loan, mat, mistake, niddy, oft, overdrafts, paid, santander, size, solicitors, template, threat, ue diary, unenforceable, unfair, usa
  • #2
    Re: The SaltnVinegar UE Diary

    Black Horse:
    • Type of account - Personal Loan

    • Date commenced - Pre April 2007

    • Approx balance - Approx £1200

    • Date last full payment - Feb/March 2010?

    • Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)

    • Status - Can't remember getting a DN. No default registered with CRA's (showing 6 months late payment markers).

    • Account owner - Cabot

    Blue - Communication Sent
    Red - Communication Received

    10/8/2012 - Notice of arrears received
    20/8/2012 - Letter from Nationwide Collection Services Limited stating that I am overdue a payment on my payment arrangement
    21/8/2012 - Payment break letter sent
    29/8/2012 - Letter from Black Horse stating that they will reduce interest on agreement to 0%
    3/9/2012 - Letter from Wescot introducing themselves
    14/9/2012 - Letter from Wescot with I/E form asking me to complete to allow them to assess my ability to pay the debt
    6/10/2012 - Letter from Wescot that they have established I live at my address and they may take further collection activity
    24/10/2012 - Letter from Nelson Guest & Partners Solicitors
    29/10/2012 - CCA Request sent to Wescot
    1/12/2012 - CCA response from Wescot
    3/12/2012 - CCA sent to Niddy

    Word back from Niddy is no prescribed terms so currently:



    19/12/2012 - Missing Prescribed Terms letter sent to Wescot
    5/1/2013 - Letter from Wescot - Account is on hold
    14/2/2013 - Letter from Nelson Guest & Partners Solicitors
    22/2/2013 - Letter from Black Horse stating account has now been passed to Mackenzie Hall
    21/3/2013 - Letter before action from Mackenzie Hall
    21/3/2013 - Double whammy to MH - Missing Prescribed Terms and Sold In Dispute
    30/3/2013 - Letter from Mackenzie Hall - account on hold
    5/4/2013 - Letter from Mackenzie Hall containing CCA but no prescribed terms (same single page Wescot sent back in December '12)
    8/4/2013 - Letter from Mackenzie Hall containing CCA but no prescribed terms (same single page Wescot sent back in December '12)
    15/4/2013 - Missing Prescribed Terms letter sent to Mackenzie Hall
    19/4/2013 - Letter from Mackenzie Hall containing CCA but no prescribed terms (same single page they sent twice earlier this month)
    25/4/2013 - Letter from Mackenzie Hall - account on hold for 40 days
    10/5/2013 - Letter from Mackenzie Hall (I assume), containing exactly the same as had been sent before but this time with a statement of account
    5/8/2013 - NoA from Black Horse that account has been sold to Cabot
    5/8/2013 - Introductory letter from Cabot (in same letter as NoA letter!)
    5/8/2013 - Account Sold In Dispute sent to Cabot
    5/10/2013 - Letter from Cabot - threat-o-gram
    24/2/2014 - Threat-o-gram from Cabot
    24/2/2014 - Account Sold In Dispute sent to Cabot
    17/4/2014 - Letter from Cabot confirming that they cannot find agreement and account is UE
    Last edited by SaltnVinegar; 17 April 2014, 13:28. Reason: Update
    "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

    • #3
      Re: The SaltnVinegar UE Diary

      Capital One:
      • Type of account - Credit Card

      • Date commenced - November 2002

      • Approx balance - Approx £1500

      • Date last full payment - Unknown

      • Are you on arrangement or not paying - Not paying

      • Status - No DN received. Default registered with CRA's Dec 2010

      • Account owner - Cabot





      28/5/2016 - Notice of assignment from Cabot Financial
      6/6/2016 - Letter from Cabot - I owe them money blah blah
      6/7/2016 - Letter from Cabot - We want to help you understand your finances, it must be difficult blah blah
      1/9/2016 - Letter from Cabot - Please contact us as soon as possible, we want you to be free of this debt blah blah
      20/10/2016 - Letter from Cabot - Special offer 50% off balance
      Last edited by SaltnVinegar; 20 October 2016, 12:14. Reason: Removed typo
      "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

      • #4
        Re: The SaltnVinegar UE Diary

        Choice (Shop Direct)
        • Type of account - Catalogue Account

        • Date commenced - Early/Mid 2007 (not sure exactly)

        • Approx balance - Approx £480

        • Date last payment - August 2010?

        • Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)

        • Status - Default notice received. Default registered with CRA Feb 2011

        • Account owner - Lowell





        29/10/2014 - Letter from Lowells
        13/11/2014 - Letter from Lowells
        25/3/2015 - Letter from Lowells
        8/4/2/15 - 30% off balance offer from Lowells
        9/5/15 - 40% off balance offer from Lowells
        9/5/15 - Account in dispute letter sent to Lowells
        9/6/2015 - Letter from Lowells complaint still being investigated
        6/7/2015 - Letter from Lowells complaint still being investigated
        31/7/15 - Letter from Lowells - account closed
        Last edited by SaltnVinegar; 31 July 2015, 16:38. Reason: Edited
        "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

        • #5
          Re: The SaltnVinegar UE Diary

          Empire (Shop Direct)
          • Type of account - Catalogue Account

          • Date commenced - Early/Mid 2007 (not sure exactly)

          • Approx balance - Approx £769

          • Date last full payment - August 2010?

          • Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)

          • Status - Default notice received. Default registered with CRA Feb 2011

          • Account owner - Lowell


          29/10/2014 - NoA from Lowell
          13/11/2014 - Letter from Lowells - offer of pay £1/day
          18/12/2014 - Letter from Lowells - Going to assess my financial circumstances
          24/3/2015 - Letter from Lowells
          8/4/2015 - 30% off balance offer from Lowells
          9/5/2015 - 40% off balance offer from Lowells
          11/12/2015 - Letter from Lowells
          Last edited by SaltnVinegar; 12 December 2015, 11:30. Reason: edited
          "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

          • #6
            Re: The SaltnVinegar UE Diary

            Great Universal (Shop Direct):
            • Type of account - Catalogue Account

            • Date commenced - Early/Mid 2007 (not sure exactly)

            • Approx balance - Approx £300

            • Date last full payment - August 2010?

            • Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)

            • Status - Default notice received. Default registered with CRA Feb 2011.

            • Account owner - Lowell


            20/7/2013 - Introduction letter from Lowell
            3/8/2013 - Threat-o-gram from Lowell
            3/8/2013 - CCA request sent to Lowell
            23/8/2013 - Threat-o-gram from Hampton Legal
            23/8/2013 - SWID letter sent to Lowell
            20/9/2013 - Letter from Lowell - Account on Hold
            1/10/2013 - Letter from Lowell - Account closed!!
            Last edited by SaltnVinegar; 6 February 2014, 14:11. Reason: edited
            "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

            • #7
              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 - 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
              Last edited by SaltnVinegar; 30 September 2015, 12:44. Reason: Update
              "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

              • #8
                Re: The SaltnVinegar UE Diary

                Halifax/IF:
                • Type of account - Current Account/Overdraft

                • Date commenced - Years and years ago!

                • Approx balance - Approx £150

                • Date last full payment - Unknown

                • Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)

                • Status - No DN received. Default registered with CRA August 2009

                • Account owner - Wescot


                14/11/2013 - Letter from IF - account written off - balance £0 - account closed
                Last edited by SaltnVinegar; 14 November 2013, 18:32. Reason: edited
                "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

                • #9
                  Re: The SaltnVinegar UE Diary

                  Littlewoods (Shop Direct):
                  • Type of account - Catalogue Account

                  • Date commenced - Early/Mid 2007 (not sure exactly)

                  • Approx balance - Approx £750

                  • Date last full payment - August 2010?

                  • Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)

                  • Status - Default notice received. Default registered with CRA Feb 2011

                  • Account owner - Fredrickson International

                  Key:
                  Blue - Communication Sent
                  Red - Communication Received

                  13/8/2012 - Letter received from Lowell asking what they can do to help
                  21/8/2012 - Payment break letter sent
                  13/8/2012 - Letter received from Lowell demanding payment in full or £30 a month
                  3/9/2012 - Letter from Lowell suspending collection
                  2/11/2012 - Letter from Lowell asking me to contact them to make a payment arrangement
                  15/11/2012 - Letter from Lowell demanding payment in full
                  11/12/2012 - Letter from Lowell threatening doorstep collection or possible court action
                  17/12/2012 - CCA Request sent
                  17/12/2012 - Made payment to bring balance under £750
                  3/1/2013 - Letter from Lowell confirming CCA request received and waiting on documents from Littlewoods
                  10/1/2013 - Letter from Lowell stating CCA being looked for and demanding full payment
                  17/1/2013 - Letter from Lowell - still looking for the CCA
                  20/2/2013 - Letter from Lowell - Shop Direct cannot find CCA - Account closed
                  4/5/2013 - Letter from Lowell enclosing CCA - account obviously not closed after all!
                  10/5/2013 - Letter from Lowell asking to call them
                  14/5/2013 - Email from Lowell demanding I call them
                  16/5/2013 - Letter from Lowell threatening court action or doorstep collection
                  23/5/2013 - Letter from RED
                  29/5/2013 - Email from RED
                  6/6/2013 - Letter from Lowell stating that I have 7 days to pay or account will be passed to Fredrickson International Ltd
                  1/7/2013 - Letter from Fredrickson International stating unless I pay in full they will refer my account to Bryan Carter solicitors
                  3/7/2012 - SWID letter sent to Freds
                  13/7/2013 - Letter from Fredrickson International - Account on hold
                  11/9/2013 - Letter from Littlewoods stating that they had investigated my complaint of 3/7/2013 and complaint is not upheld
                  Last edited by SaltnVinegar; 6 February 2014, 14:12. Reason: Comms to 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

                  • #10
                    Re: The SaltnVinegar UE Diary

                    Lloyds TSB:
                    • Type of account - Current Account/Overdraft

                    • Date commenced - Early/Mid 2007 (not sure exactly)

                    • Approx balance - Approx £800

                    • Date last full payment - August 2010?

                    • Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)

                    • Status - Default notice received. Default registered with CRA June 2011 but no shows as no entries made since June 2013??

                    • Account owner - Collection with Robinson Way (still owned by Lloyds TSB)

                    Key:
                    Blue - Communication Sent
                    Red - Communication Received

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

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

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

                    16/8/2012 - Letter received from BLS stating that while they control account no interest will be accruing
                    16/8/2012 - Letter received from BLS stating that if I wish to make a payment then could I please contact them by phone
                    24/8/2012 - Letter received from BLS Collections. One liner stating that I must contact them TODAY
                    17/10/2012 - Notice from Lloyds TSB that account has transferred to Apex Credit Management Limited for collection
                    17/10/2012 - Introduction letter from Apex Credit Management
                    3/1/2013 - Letter from HL Solicitors threatening legal action
                    28/1/2013 - Letter from Apex Credit Management
                    4/2/2013 - Home Visit Appointment letter from Apex Credit Management
                    4/2/2013 - Sent OD CCA Request - allaboutFORUMS - View Single Post - Overdrafts - CCA Information combined with doorstep letter template
                    8/2/2013 - Letter from Apex Credit Management asking for £1 fee for CCA request
                    9/2/2013 - Letter from HL Solicitors. It is EXACTLY the same as the letter they sent 3/1/2013 word for word!!
                    12/2/2013 - Sent letter pointing out that request not made under s77-79 of CCA1974 and to comply with my request
                    7/3/2013 - Letter from Apex Credit Management stating that as its a current account no CCA available
                    11/3/2013 - Notice from Lloyds TSB that account has been transferred to Apex Credit Management Limited for collection
                    23/3/2013 - Letter from HL Solicitors. It is EXACTLY the same as the letters they sent 3/1/2013 and 9/2/2013 word for word!!
                    4/4/2013 - Sent letter pointing out that request not made under s77-79 of CCA1974 and to comply with my request
                    19/4/2013 - Letter from Apex Credit Management stating that account on hold and referred back to client
                    19/4/2013 - Letter from Apex Credit Management stating that account on hold and referred back to client
                    22/5/2013 - Letter from Lloyds TSB stating account has been transferred to Moorcroft debt recovery for collection
                    27/5/2013 - Formal complaint made to Moorcroft that Lloyds TSB have yet to comply with my request and that I consider their actions complicit in a conduct of harassment
                    6/6/2013 - Letter from Moorcroft giving me 7 days to pay balance or they may have to consider possible further debt recovery action
                    10/6/2013 - Letter from Moorcroft - account suspended
                    11/12/2013 - Letter from Lloyds TSB - NOA account sold to Robinson Way
                    13/12/2013 - Introduction letter from Robinson Way
                    23/12/2013 - Doorstep Collection Threat from Robinson Way
                    2/1/2014 - Formal complaint made to Robinson Way that Lloyds TSB have yet to comply with my request and that I consider their actions complicit in a conduct of harassment combined with doorstep harassment template
                    13/1/2014 - Account On Hold letter from Robinson Way
                    21/2/2014 - Response from Robinson Way that because account is a current account that CCA does not apply
                    13/3/2014 - Response from Robinson Way - account is on hold pending investigation
                    22/4/2014 - Letter from Lloyds Bank regards complaint and containing copy of complaints process
                    12/12/2014 - NoA from Lloyds that account has been sold to 1st Credit
                    12/12/2014 - NoA from 1st Credit that they have bought the account
                    2/1/2015 - Sent O/D CCA Request to 1st Credit
                    12/1/2016 - Letter from 1st Credit - Court Threat
                    16/1/2015 - Letter from 1st Credit with 2014 statetment
                    21/1/2015 - Letter from 1st Credit - appararently I can get a discount on my balance if I call them
                     21/1/2016 - Letter from 1st Credit showing list of all transactions
                    16/3/2016 - Letter from 1st Credit with list of transactions
                    25/3/2016 - Letter sent to 1st Credit asking them to fulfil my request as they have not done so
                    15/5/2016 - Letter from 1st Credit with list of transactions
                    14/11/2016 - NoA from 1st Credit that they have bought the account
                    Last edited by SaltnVinegar; 15 November 2016, 06:45. Reason: Letter From 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

                    • #11
                      Re: The SaltnVinegar UE Diary

                      Marshall Ward (Shop Direct):
                      • Type of account - Catalogue Account

                      • Date commenced - Early/Mid 2007 (not sure exactly)

                      • Approx balance - Approx £300

                      • Date last full payment - August 2010?

                      • Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)

                      • Status - Default notice received. Default registered with CRA Feb 2011.

                      • Account owner - Lowell

                      Blue - Communication Sent
                      Red - Communication Received

                      26/7/2012 - Email from Lowell reminding me that payment is due
                      29/10/2014 - Letter from Lowells
                      13/11/2014 - Letter from Lowells
                      8/4/2015 - 30% off balance offer from Lowells
                      9/5/2015 - 40% off balance offer from Lowells
                      11/12/2015 - Letter from Lowells
                      Last edited by SaltnVinegar; 12 December 2015, 11:31. Reason: Contact from DCA
                      "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

                      • #12
                        Re: The SaltnVinegar UE Diary

                        Payday Express:
                        • Type of account - Payday Loan

                        • Date commenced - Late 2009/Early 2010 (not sure exactly)

                        • Approx balance - Approx £400

                        • Date last full payment - Unknown

                        • Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)

                        • Status - Defaulted but no DN received. No CRA records.

                        • Account owner - Payday Express


                        Blue - Communication Sent
                        Red - Communication Received

                        26/11/2012 - Email from Payday Express saying its important that they speak to me
                        Last edited by SaltnVinegar; 12 March 2013, 16:09. Reason: Comms from OC
                        "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

                        • #13
                          Re: The SaltnVinegar UE Diary

                          Payday UK:
                          • Type of account - Payday Loan

                          • Date commenced - Late 2009/Early 2010 (not sure exactly)

                          • Approx balance - Approx £450

                          • Date last full payment - Unknown

                          • Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)

                          • Status - Defaulted but no DN received. CRA records show 6 months late payment markers.

                          • Account owner - Payday UK



                          18/12/2014 - CRA (Noddle) - Payday UK have removed the credit entry on my credit file
                          23/1/2017 - NoA from PDUK to PRAC Financial/BW Legal
                          Last edited by SaltnVinegar; 24 January 2017, 09:41. Reason: edited
                          "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

                          • #14
                            Re: The SaltnVinegar UE Diary

                            Quick Quid:
                            • Type of account - Payday Loan

                            • Date commenced - Late 2009/Early 2010 (not sure exactly)

                            • Approx balance - Approx £750

                            • Date last full payment - Unknown

                            • Are you on arrangement or not paying - Not paying

                            • Status - Default recorded with CRA's but no DN received.

                            • Account owner - Quickquid


                            Key:
                            Blue - Communication Sent
                            Red - Communication Received

                            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
                            17/12/2013 - Email from QQ - Account 60 days overdue
                            20/12/2013 - Email from QQ - Account 60 days overdue
                            24/12/2013 - Email from QQ - Account 60 days overdue
                            31/12/2013 - Email from QQ - Account 60 days overdue
                            3/1/2014 - Email from QQ - Account 60 days overdue
                            6/1/2014 - Email from QQ - Account 60 days overdue
                            9/1/2014 - Email from QQ - Account 60 days overdue
                            14/1/2014 - Email from QQ - Account 60 days overdue
                            17/1/2014 - Email from QQ - Account 60 days overdue
                            21/1/2014 - Email from QQ - Account 60 days overdue
                            24/1/2014 - Email from QQ - Account 60 days overdue
                            28/1/2014 - Email from QQ - Account 60 days overdue
                            31/1/2014 - Email from QQ - Account 60 days overdue
                            4/2/2014 - Email from QQ - Account 60 days overdue
                            7/2/2014 - Email from QQ - Account 60 days overdue
                            11/2/2014 - Email from QQ - Account 60 days overdue
                            14/2/2014 - Email from QQ - Account 60 days overdue
                            17/2/2014 - Email from QQ - Account 60 days overdue
                            21/2/2014 - Email from QQ - Account 60 days overdue
                            25/2/2014 - Email from QQ - Account 60 days overdue
                            28/2/2014 - Email from QQ - Account 60 days overdue
                            5/3/2014 - Email from QQ - Account 60 days overdue
                            7/3/2014 - Email from QQ - Account 60 days overdue
                            11/3/2014 - Email from QQ - Account 60 days overdue
                            14/3/2014 - Email from QQ - Account 60 days overdue
                            18/3/2014 - Email from QQ - Account 60 days overdue
                            21/3/2014 - Email from QQ - Account 60 days overdue
                            25/3/2014 - Email from QQ - Account 60 days overdue
                            28/3/2014 - Email from QQ - Account 60 days overdue
                            1                            /4/2014 - Email from QQ - Account 60 days overdue
                            4/4/2014 - Email from QQ - Account 60 days overdue
                            8/4/2014 - Email from QQ - Account 60 days overdue
                            11/4/2014 - Email from QQ - Account 60 days overdue
                            15/4/2014 - Email from QQ - Account 60 days overdue
                            25/4/2014 - Email from QQ - Account sold to BCW/Gothia Group
                            16/5/2014 - NoA from bcwgroup
                            20/5/2014 - Email from Gothia with an 'online offer'
                            23/5/2014 - Email from Gothia with an 'online offer'
                            27/5/2014 - Email from Gothia with an 'online offer'
                            29/5/2014 - Email from Gothia with an 'online offer'
                            11/6/2014 - Letter from BCW Group
                            16/6/2014 - Email from Gothia advising they have sent me a letter and I have already missed some great offer
                            18/8/2014 - Letter from Red Castle Recoveries with payment plan offer
                            18/9/2014 - Letter from BCWgroup/Red Castle threatening notice of intended visit
                            10/12/2014 - Fishing Letter from Buchanan Clark & Wells
                            17/12/2014 - Letter from BCW
                            25/1/2015 - Text from Red Castle Recoveries saying its urgent they speak to me
                            26/1/2015 - Offer letter from BCW offering 40% discount
                            9/5/2015 - Email from Red Castle statement of account and demand for payment
                            Last edited by SaltnVinegar; 11 June 2015, 17:06. Reason: Update
                            "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

                            • #15
                              Re: The SaltnVinegar UE Diary

                              Santander:
                              • Type of account - Current Account/Overdraft

                              • Date commenced - Years ago (something like 2000)

                              • Approx balance - Approx £3300

                              • Date last full payment - August/September 2010

                              • Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)

                              • Status - Default notice received. Default registered with CRA May 2011

                              • Account owner - Wescot

                              Key:
                              Blue - Communication Sent
                              Red - Communication Received

                              21/7/2012 - Letter received from Wescot, failed to maintain payment plan arrangement
                              2/8/2012 - Letter received from Wescot. Pretty much same as letter of 21/7/2012
                              20/8/2012 - Letter received from Wescot threatening doorstep collection visit
                              21/8/2012 -                               Sent OD CCA Request - allaboutFORUMS - View Single Post - Overdrafts - CCA Information
                              21/8/2012 - Doorstep threat response letter sent
                              14/9/2012 - Letter received from Wescot. Account suspended pending investigations
                              18/7/2016 - Letter received from Santander with cheque for refund of 'interest & charges'
                              Last edited by SaltnVinegar; 19 July 2016, 09:51. Reason: Comms to 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

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