The SaltnVinegar UE Diary

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Hi All

Pretty quiet this month - just two letters:

1) Rob Way informing me that they still haven't heard anything from Barclaycard and the account is on hold - long may that continue!
2) Cabot offering me a 50% discount off the balance. Well as this is SB then they'll be getting 50% of nothing!

Hope all is well with you all in UE journey land!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Not much to report this month. Rob Way still haven't got a credit agreement back from Barclaycard (and long may that continue).

Cabot want me to be free of my Capital One debt - shame they don't seem to understand that I'm free of it already as its SB!

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

[Pixie]

Re: The SaltnVinegar UE Diary

Hopefully it'll soon pass without any hitches.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

It won't be SB already SnV because you were making payments in your DMP until July 2012 so, as Susie says, still another 24 months to go.

Argh bugger! Yes just noticed that I was paying into the DMP on this one!

That'll teach me for getting ahead of myself!

[nanna58]

Re: The SaltnVinegar UE Diary

24months ? Easy peasy x

[Pixie]

Re: The SaltnVinegar UE Diary

It won't be SB already SnV because you were making payments in your DMP until July 2012 so, as Susie says, still another 24 months to go.

[Susie]

Re: The SaltnVinegar UE Diary

With only 24 months (I think if its from the last DMP payment date), they should be holdoffable, good luck

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Additions (Shop Direct):

• Type of account - Catalogue Account
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - Unknown, no statement received in 2 years
  
  
• 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 - Capquest

Key:
Blue - Communication Sent
Red - Communication Received

31/8/2010 - Arrears letter from Shop Direct
17/9/2010 - Arrears letter from Shop Direct
27/9/2010 - Arrears letter from Shop Direct
22/11/2010 - Letter from NDR
2/12/2010 - Offer letter from Shop Direct
7/12/2010 - Letter from NDR
20/12/2010 - Warning from NDR Default Notice will be issued
17/1/2011 - Default Notice received
22/2/2011 - NoA from Shop Direct to Capquest
14/9/2012 - Letter received from Scotcall
3/10/2012 - Doorstep Collection Letter received from Scotcall
8/10/2012 - Template letter sent for Doorstep Collections
10/10/2012 - Response from Scotcall regards doorstep template
14/2/2013 - Letter from Scotcall full of complete drivel
28/10/2014 - Statement from Capquest for last 3 years
8/8/2016 - Intro letter from Capquest

So Capquest appear to have woken up to the fact that this account is about to become SB(if it hasn't already). As they have only sent their 'introduction' template I'll ignore this one until the legal threats start, hopefully I can then play this out with CCA requests and keeping them busy until its definately SB

[Enforcer]

Re: The SaltnVinegar UE Diary

Agree with last post, my wife also had a credit to her account for errors in interest payments. Nothing sinister Santander cocked up and had to refund.

[oscar]

Re: The SaltnVinegar UE Diary

Don't know if this makes a difference to your opinion or not - mum had a refund for the same, but as she still has an account, it went in as a direct credit.

I would personally cash it - you still haven't paid money into the account, but that's just me!

I cant see it causing issues with SB dates given its a compensatory payment.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

That's the problem , accepting it may point to acknowledgement , head scratching !!!!!

Yes and my ultra paranoid self considers they may be able to trace the bank account it was cashed to and use that info in some underhand way (fortunately bank accounts are no connected so no right to offset)

Right the cheque is valid for 6 months from its date!
In other words you can sit on that cheque!!
Do nothing for the moment!

That leaves them still outstanding on that s.78

s.78 doesn't work for o/d's as such, but admiting other breaches could be a problem for them. As I had over £2.5k of charges added to my o/d in 12 months I think I could successfully argue on the unfair relationship provisions.

My thought was that by accepting that cheque I may be accepting that as some sort of compensation which could disadvantage me during a court claim.

They've also sent this letter to my old address (received due to redirect), so I'm wondering if its also a possible tracing tactic.

Or maybe I'm just giving them too much credit (excuse the pun!)

[Roger]

Re: The SaltnVinegar UE Diary

Right the cheque is valid for 6 months from its date!
In other words you can sit on that cheque!!
Do nothing for the moment!

That leaves them still outstanding on that s.78

[nanna58]

Re: The SaltnVinegar UE Diary

That's the problem , accepting it may point to acknowledgement , head scratching !!!!!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

I've had ZERO correspondence in 4 years ever since I sent the O/D CCA request to Westcot, and heard nothing since until today.

Like you both I'm a little paranoid and my thought was that by cashing the cheque I either by proxy admit liability to the debt, or at the very least encourage them to restart the collections process.

Interesting

No idea, but I would also be suspicious especially as you stopped payments in July and also received the cheque in July. Will be interesting to hear the views of others as being a worryguts I would expect it to be their way of trying to restart the SB clock

[Susie]

Re: The SaltnVinegar UE Diary

No idea, but I would also be suspicious especially as you stopped payments in July and also received the cheque in July. Will be interesting to hear the views of others as being a worryguts I would expect it to be their way of trying to restart the SB clock