The SaltnVinegar UE Diary

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Good result though, made them sit up and take notice for once

Thanks Elsa

Not a bad start for now!

[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.

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

Hmmmm so I'm not sure if the letters crossed in the post, but the tone of the letters received today from BLS are definately not as aggressive as the ones before I sent the O/D CCA request!

However as I do not wish to make a payment at this point I won't be contacting them (as if I would contact them by phone anyway!)

I think my O/D CCA letter has placed them on the back foot a little........

Best
SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

American Express:

• Type of account - Credit Card
  
  
• Date commenced - Not sure approx Sept 2007
  
  
• Approx balance - Approx £2900
  
  
• Date last paid - March/April 2010?
  
  
• Are you on arrangement or not paying - Arrangement (just stopped)
  
  
• Status - Default notice received
  
  
• Account owner - RMA Regain

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2012 - Letter from RMA offering their 'free' debt management services though I have to phone them

So letter from RMA as follows:

Our client, American Express, has informed us that you are currently experiencing financial difficulties.

We are a free service available to American Express customers, offering you support and assistance in order for you to regain control of your financial situation and therefore manage your finances more effectively.

Our aim is to help you improve your financial situation over the shortest time possible.

We do not charge you for our assistance, either upfront or on a monthly basis unlike some debt management companies. If you are considering a fee charging debt management company please consider that this will prolong the length of time you are in your current financial situation.

Please contact our team of representatives on <blah> in order that we can initiate this and tailor a payment plan to suit your circumstances.

If you do not call us, we will assume that you are no longer experiencing financial difficulty and we will advise our client to refer your account back to American Express to recover the balance in full which may incur further charges.

Our team may also be contacting you on numbers what we have on record for you to discuss your account. If you have previously provided your mobile number we may call and/or text messages on this number. We therefore request that you keep your mobile number secure.

We look forward to speaking to you

Hmm so NO I won't be calling RMA - good luck to them calling me on the numbers they have on record. I changed those over 2 years ago!

I also think that a DCA has a distinct conflict of interest then setting themselves up as a DMC!

I think I will send them this http://www.all-about-debt.co.uk/temp...general/t5.php and see what they say.

Best
SnV

[MrsD]

Re: The SaltnVinegar UE Diary

worth sending a CCA?

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

worth sending a CCA?

I think I'll keep that one in the bag for now, especially as I'm not sure on the date the account was taken out. I know it was definately in 2007, just not sure which month.......

If I get a negative/aggressive response to my 6 month payment break letter then for sure CCA request would be next.

Cheers
SnV

[MrsD]

Re: The SaltnVinegar UE Diary

just remember by asking for a payment break you are admitting the debt, so no SB...............

[vint1954]

Re: The SaltnVinegar UE Diary

Good point MrsD.

Not a wise move.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

just remember by asking for a payment break you are admitting the debt, so no SB...............

Good point MrsD.

Not a wise move.

Yes this is very true. However my last payment was only a couple of months ago so SB isn't the end goal (yet) as theres no significant time elapsed. I'm looking to get to F&F offer if I can't UE.

If they reject all this then I will have to see if I can weather the 6 year storm. I know Amex are quite litigious though so doubt it will get that far. I am happy to try though

Best
SnV

[vint1954]

Re: The SaltnVinegar UE Diary

When was the last payment made - even if it was just a token or a DMP payment? That's when the SB clock would start.

For the sake of a £1 + postage, I'd say it's worth sending a CCA request, at least you'll find out whether it's pre- or post- April 2007 and even if it's later than that, you could still blag it... I would...

It's worth a try S&V

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

It's worth a try S&V

Yes for sure - I don't disagree

What I like to do is give the DCA's enough rope to hang themselves with and then hit them with the 'big guns'.

I've already had 20% of the debt reduced as a 'goodwill gesture' from Amex due to harrassment from their DCA's (I was able to prove they were making threats that they couldn't legally carry out at the time), so unless they're really stupid they are going to be cautious dealing with me!

Likewise I'll be cautious with them as I'm sure they'd be itching to get me a CCJ

Best
SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

When was the last payment made - even if it was just a token or a DMP payment? That's when the SB clock would start.

Unfortunately it was only July.......

For the sake of a £1 + postage, I'd say it's worth sending a CCA request, at least you'll find out whether it's pre- or post- April 2007 and even if it's later than that, you could still blag it... I would...

Yes I agree - I just want to save this one in the bag for a little bit. If I can get them to agree to a 6 month break this would be just as good as I'm looking to make F&F offers in a year or so.

But I suspect that they won't go for that so I will be issuing a CCA request very soon!

Best
SnV

[SaltnVinegar]

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

Content of letter as follows:

As you will be aware we have communicated with you over a period of time to resolve this without the need for legal action. Costs incurred as a result of any litigation will be added to your balance, if we succeed in obtaining a judgement against you.

My name is Marcus Butterworth and I have been appointed as your case handling supervisor.

Together with my team, it is my responsibility to progress your account through the litigation process, but also to assist and inform you on any query or question you may have.

Your case may be processed and passed to our solicitors on or around 29th August 2012, a process you can stop by telephoning us to discuss your account and reaching an amicable solution.

I will not be demanding payment in full. I will be open to suggestions from you on how this account can be settled.

If you contact us before 29th August 2012, I can offer you a settlement figure on your outstanding balance. That means you only have to pay xxx to clear this account with us, and if required you can pay this over a 4 month period.

You still have the opportunity to stop legal action and the possibility of settling your account over a period of time and by a method that is suitable to you.

I trust that you will take this opportunity to contact us and save yourself the possible expense of litigation and the problems that any litigation in which we were successful would possibly cause to your credit file.

We look forward to hearing from you.

Awwww bless. Isn't that nice of them?

[The Tech Clerk]

Re: The SaltnVinegar UE Diary

Content of letter as follows:

As you will be aware we have communicated with you over a period of time to resolve this without the need for legal action. Costs incurred as a result of any litigation will be added to your balance, if we succeed in obtaining a judgement against you.

My name is Marcus Butterworth and I have been appointed as your case handling supervisor.

Together with my team, it is my responsibility to progress your account through the litigation process, but also to assist and inform you on any query or question you may have.

Your case may be processed and passed to our solicitors on or around 29th August 2012, a process you can stop by telephoning us to discuss your account and reaching an amicable solution.

I will not be demanding payment in full. I will be open to suggestions from you on how this account can be settled.

If you contact us before 29th August 2012, I can offer you a settlement figure on your outstanding balance. That means you only have to pay xxx to clear this account with us, and if required you can pay this over a 4 month period.

You still have the opportunity to stop legal action and the possibility of settling your account over a period of time and by a method that is suitable to you.

I trust that you will take this opportunity to contact us and save yourself the possible expense of litigation and the problems that any litigation in which we were successful would possibly cause to your credit file.

We look forward to hearing from you.

Awwww bless. Isn't that nice of them?

Caw aint it a nice letter, cry cry cry

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Caw aint it a nice letter, cry cry cry

Yes its lovely isn't it! I'm sure they won't be as nice when I send a CCA request, and also possibly SAR them as I know a lot of the charges that were applied by SD I should be able to challenge!

[The Tech Clerk]

Re: The SaltnVinegar UE Diary

Yes its lovely isn't it! I'm sure they won't be as nice when I send a CCA request, and also possibly SAR them as I know a lot of the charges that were applied by SD I should be able to challenge!

Oh! you are awful, like to be a fly on their wall when you do. lol