The SaltnVinegar UE Diary

[MrsD]

Re: The SaltnVinegar UE Diary

S&N

Your giving them an awful lot of information there, I don't think I would be generous, a one liner saying it's in dispute would be what I'd do. Hang fire and see what Niddy thinks.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

S&N

Your giving them an awful lot of information there, I don't think I would be generous, a one liner saying it's in dispute would be what I'd do. Hang fire and see what Niddy thinks.

You may be right, I was thinking that by giving them that much to think about that they would just pass it back and move on to 'easier' prey!

[Pixie]

Re: The SaltnVinegar UE Diary

I agree with Dopes...don't give them any more than you need to. Save that letter in case they come on heavy.

[SaltnVinegar]

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 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.
25/7/2012 - Email from ArcEurope stating that the account has been transferred to them for collection

Hiya

So email from ArcEurope today:

Your account with QuickQuid has now been transferred to ARC (Europe) Ltd for collection.

You must now make arrangements to pay the outstanding balance to ARC (Europe) Ltd quoting the reference number xxxxxx. Payment may be made by card securely online at http://[URL="http://www.arceuropeltd.co.uk/"]www.arceuropeltd.co.uk[/URL] using your reference number.

Alternatively, please call me as soon as you can on 01932 251000 to discuss your repayment options.

So I'm unsure what to do here.

Do I ignore?

Or do I respond something along the lines of 'account is in serious dispute due to your clients numerous breaches of the CCA 1974' and leave it at that without giving the detail of my previous draft letter.

I don't want them issuing something through bulk claims and then having to defend so would rather get this lot to fall at the first hurdle and hand the account back.

Cheers
SnV

[pepe2008]

Re: The SaltnVinegar UE Diary

I personally would hit them with your previously posted letter but pad it out with as much other stuff as possible ( however 'correct' it is.

£750 isn't a lot to argue over, but many do. As the saying goes 'If you can't dazzle them with diamonds, baffle them with bullshit'

edit; adding a phrase such as 'attempting to force this issue through a Court would be very time consuming and expensive in both time and money for the Court so it would be in your interest to address the points raised NOW' puts the onus on them. I was taken to Court several years ago over a £170 debt, used this phrase and the Court agreed a £1 per month and hit THEM with costs of over £150 .

[Pixie]

Re: The SaltnVinegar UE Diary

As the saying goes 'If you can't dazzle them with diamonds, baffle them with bullshit'

Haven't heard this saying before but I like it!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

I personally would hit them with your previously posted letter but pad it out with as much other stuff as possible ( however 'correct' it is.

£750 isn't a lot to argue over, but many do. As the saying goes 'If you can't dazzle them with diamonds, baffle them with bullshit'

edit; adding a phrase such as 'attempting to force this issue through a Court would be very time consuming and expensive in both time and money for the Court so it would be in your interest to address the points raised NOW' puts the onus on them. I was taken to Court several years ago over a £170 debt, used this phrase and the Court agreed a £1 per month and hit THEM with costs of over £150 .

Well the 10 days have come and gone, so I guess I'm going to wait for the next letter before I make a response.

Its a question of 'know your enemy'. I've done a bit of research and ArcEurope are a bit like Bryan Carter, and fire off lots of claims to the bulk processing centre at Northampton.

I'd prefer to head that off by being more trouble than I'm worth (whatever commission they're going to make on a £750 debt) but as previously said, I'm not sure I want to give them my skeleton defense up front!

[SaltnVinegar]

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 paid - August 2010?
  
  
• Are you on arrangement or not paying - Arrangement (just stopped)
  
  
• Status - Default notice received
  
  
• Account owner - BLS Collections (In House LTSB DCA)

Key:
Blue - Communication Sent
Red - Communication Received

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

Letter received today from BLS. I have to contact them today apparently. Hmmmm let me think.....

[SaltnVinegar]

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 paid - August 2010?
  
  
• Are you on arrangement or not paying - Arrangement (just stopped)
  
  
• Status - Default notice received
  
  
• Account owner - Lowell

Blue - Communication Sent
Red - Communication Received

26/7/2012 - Email from Lowell reminding me that payment is due

Email from Lowell - bunch of lazy @holes. I have never responded to them by email, they could be emailing anyone for all they know. So much for DPA!

[SaltnVinegar]

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 paid - August 2010?
  
  
• Are you on arrangement or not paying - Arrangement (just stopped)
  
  
• Status - Default notice received
  
  
• Account owner - BLS Collections (In House LTSB DCA)

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.

Another letter received from BLS collections. Not sure what letter to send this lot at the moment. I don't know whether to try an O/D 'CCA Request' or a 'I can't pay anything at the moment please put my account on hold for 6 months' type letter...........

[SaltnVinegar]

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 paid - August/September 2010
  
  
• Are you on arrangement or not paying - Arrangement (just stopped)
  
  
• Status - Defaulted
  
  
• 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

Hi All

So another letter from Wescot. I've been threatened with having my doorstep collected again.

So quick opinion poll........

Do I send this:

Our Templates | General Debt Templates | Ask your Creditor to Cancel Payments for 6 Months

Or this:

allaboutFORUMS - View Single Post - Overdrafts - CCA Information

What do you think?

Cheers
SnV

[Deepie]

Re: The SaltnVinegar UE Diary

I would send this if it were me--------> allaboutFORUMS - View Single Post - Overdrafts - CCA Information

[MrsD]

Re: The SaltnVinegar UE Diary

if you can get them to stop payments for 6 months, you could save enough to do a F&F therefore getting rid of this mob

if you query it with a CCA you could again spin it for a quite a time, it might just go away or again you can you could save enough to have a f&f tucked away should you ever need to use it.................

bearing in mind if you don't pay for a time, then offer a cheeky f&f, they'll probably take your hand off...................

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Thanks for the votes!

We have a tie, so I think I'm going to send both! This should keep them busy for a little while thinking how they are going to respond to that!

I'll keep you posted!

Best
SnV

I would send this if it were me--------> allaboutFORUMS - View Single Post - Overdrafts - CCA Information

if you can get them to stop payments for 6 months, you could save enough to do a F&F therefore getting rid of this mob

if you query it with a CCA you could again spin it for a quite a time, it might just go away or again you can you could save enough to have a f&f tucked away should you ever need to use it.................

bearing in mind if you don't pay for a time, then offer a cheeky f&f, they'll probably take your hand off...................

[Never-In-Doubt]

Re: The SaltnVinegar UE Diary

Or this:

allaboutFORUMS - View Single Post - Overdrafts - CCA Information

What do you think?

Cheers
SnV

deffo the above mate