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  • #16
    Re: The SaltnVinegar UE Diary

    Very (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


    13/11/2014 - Letter from Lowells
    24/3/2015 - Letter from Lowells
    8/4/2015 - 30% off offer from Lowells
    9/5/2015 - 40% off offer from Lowells
    11/12/2015 - Letter from Lowells
    Last edited by SaltnVinegar; 12 December 2015, 11:31. 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

    • #17
      Re: The SaltnVinegar UE Diary

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

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

      • Approx balance - £376

      • 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

      21/7/2012 - Letter received from Capquest, threatening litigation, but also making a 25% payment offer
      31/8/2012 - Letter received from Capquest, Account On Hold for 30 Days
      17/4/2013 - Letter before Action from Capquest
      17/4/2013 - LBA response and 2nd CCA request sent to Capquest
      1/5/2013 - Letter from Capquest offering me a 'one time solution' to settle the account
      4/5/2013 - Letter from Capquest. Requested copy agreement from Shop Direct
      24/12/2013 - Telephone call from Capquest at work
      30/12/2013 - Letter from Capquest threat to continue calling me
      30/12/2013 - Telephone harassment template letter sent with 'Paul special' paragraph included
      13/12/2013 - Letter from Capquest investigating complaint
      21/2/2014 - Letter from Capquest rejecting complaint and stating they have done nothing wrong
      28/10/2014 - Statement from Capquest for last 3 years
      Last edited by SaltnVinegar; 10 November 2014, 09:17. Reason: Comms from Capquest
      "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

      • #18
        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
        21/8/2016 - Letter from Capquest
        Last edited by SaltnVinegar; 23 August 2016, 15:45. 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

        • #19
          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 - Do not recognize alleged debt so in dispute
          • Account owner - Robinson Way



          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
          14/12/2015 - Letter from Robinson Way - account on hold while agreement requested from O/C
          13/1/2016 - Letter from Robinson Way asking for CCA request to be put in writing
          13/1/2016 - Letter to Rob Way that they already have received a CCA request in writing
          14/3/2016 - Letter from Rob Way - still waiting for response back from OC
          21/4/2016 - Letter from Rob Way - still waiting for response back from OC
          14/6/2016 - Letter from Rob Way - still waiting for response back from OC
          31/8/2016 - Letter from Rob Way - still waiting for response back from OC
          20/10/2016 - Letter from Rob Way - still waiting for response back from OC
          24/11/2016 - CCA response received from Robinson Way
          19/12/2016 - Phone call from Robinson Way
          20/12/2016 - MPT letter sent to Robinson Way
          6/1/2017 - Letter from Robinson Way asking me to call them to confirm my address
          9/2017 - Letter from Robinson Way offering me a 87% discount
          5/9/2017 - This is now SB!
          Last edited by SaltnVinegar; 5 September 2017, 09:44.
          "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

          • #20
            Re: The SaltnVinegar UE Diary

            Hi SnV, all the best on your UE joruney from me too
            "If wishes were horses, beggars would ride"

            Comment

            • #21
              Re: The SaltnVinegar UE Diary

              Originally posted by IF View Post
              Hi SnV, all the best on your UE joruney from me too
              Yep good luck from me too hope it all works out for you.

              Comment

              • #22
                Re: The SaltnVinegar UE Diary

                good luck from me to
                at the start of this journey i owed
                £52000.00 UNSECURED £5000.00 SECURED
                £0000.00 secured debt as of 17/12/2010 fingers crossed
                on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
                as of 17/03/13 its now £26K AND £15K UE
                ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFE

                Comment

                • #23
                  Re: The SaltnVinegar UE Diary

                  yes hope it all goes well , your starting this UE route the same time as me and my hubby , hopefully we have positive results.
                  Here's to the future
                  _______________________________________



                  Comment

                  • #24
                    Re: The SaltnVinegar UE Diary

                    Hi Everyone

                    Thanks for the support, I'm looking forward the next steps. I don't think for a second that its going to be easy, but we shall see!

                    Best
                    SnV
                    "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

                    • #25
                      Re: The SaltnVinegar UE Diary

                      Originally posted by Flowerpower
                      It gets easier as time goes by! You get less and less communication from creditors as they concentrate on those who have just stopped paying. In the beginning I was bombarded with letters, phone calls and txts. Calls and txts stopped completely after a few months and letters became less and less frequent.

                      Onwards and upwards SnV!
                      Hi Flower

                      Well I'll be stopping paying so I expect I'll get a few letters to start with!

                      None of my creditors have my phone number, though Capquest somehow got hold of my work number at one point so I expect I'll get a call from them. I know how to deal with this lot though so I'm not worried about that.

                      I will start a template letters section as and when I receive them too so everyone can see the standard fluff that the DCA's send out.

                      Onwards and upwards indeed!

                      Best
                      SnV
                      "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

                      • #26
                        Re: The SaltnVinegar UE Diary

                        Just popped in to say good luck SnV
                        Cheers
                        What2do

                        Comment

                        • #27
                          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 paid - Unknown

                          • Are you on arrangement or not paying - Not paying

                          • Status - Defaulted but no DN received

                          • Account owner - Waiting on DCA

                          Key:
                          Blue - Communication Sent
                          Red - Communication Received

                          17/7/2012 - Letter received from ArcEurope Limited threatening pay up in 10 days or we will take you to court.
                          Hi All

                          So the fun and games has started already! Had a letter today stating the following:

                          "This account has been passed to us as a bad debt as our client has been unable to obtain payment from you.

                          We wish to make it quite clear that unless the full balance is paid to us within the next 10 days, we will pass your account to our Solicitors, with instructions to issue court proceedings"

                          So, I'm not a solicitor, but as far as I was aware, if this DCA are referring to their 'client', and depending on the type of assignment of the debt, then only their client can take me to court, not the DCA.

                          Do I understand this correctly or am I mistaken?

                          The account is in dispute anyway, so they will be getting a response to this effect but was wondering on peoples thoughts as to the wording above.

                          Best
                          SnV
                          "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

                          • #28
                            Re: The SaltnVinegar UE Diary

                            Originally posted by SaltnVinegar View Post
                            Hi All

                            So the fun and games has started already! Had a letter today stating the following:

                            "This account has been passed to us as a bad debt as our client has been unable to obtain payment from you.

                            We wish to make it quite clear that unless the full balance is paid to us within the next 10 days, we will pass your account to our Solicitors, with instructions to issue court proceedings"

                            So, I'm not a solicitor, but as far as I was aware, if this DCA are referring to their 'client', and depending on the type of assignment of the debt, then only their client can take me to court, not the DCA.

                            Do I understand this correctly or am I mistaken?

                            The account is in dispute anyway, so they will be getting a response to this effect but was wondering on peoples thoughts as to the wording above.

                            Best
                            SnV
                            you understand it perfectly well mate but they won't do anything, they never do! I'd not worry, I wrote back to the same guys and simply returned their letter with "unknown" - they then went away!
                            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                            Comment

                            • #29
                              Re: The SaltnVinegar UE Diary

                              :niddy is proud that after 2 years we eventually got the walkers crisps scoffer onto UE
                              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                              Comment

                              • #30
                                Re: The SaltnVinegar UE Diary

                                Originally posted by Never-In-Doubt View Post
                                you understand it perfectly well mate but they won't do anything, they never do! I'd not worry, I wrote back to the same guys and simply returned their letter with "unknown" - they then went away!
                                Coolio, though their pet solicitor Trevor Munn I understand has been known to ignore CPR and try to issue claims through Northampton Bulk Claims.

                                So far though:

                                'Notice of Assignment' sent by email, no letter.

                                No Default Notice received (though they sent me an email claiming one had been sent).

                                One step at a time with this lot though!

                                SnV
                                "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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