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The SaltnVinegar UE Diary

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  • #121
    Re: The SaltnVinegar UE Diary

    Originally posted by GANGSHIELD View Post
    Oh! you are awful, like to be a fly on their wall when you do. lol
    I was nice once upon a time, then I got fed of up trying to deal with my creditors reasonably, while they broke every rule, regulation and guidelines in the book.

    The thing with this particular account is that I'm sure at least 50% of the balance is due to charges applied by SD before they sold it (as is the case for all my SD accounts).

    How anyone can charge because they were unable to contact you by telephone is unreal, but this is the sort of charge that they applied to my account!

    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

    • #122
      Re: The SaltnVinegar UE Diary

      Originally posted by SaltnVinegar View Post
      I was nice once upon a time, then I got fed of up trying to deal with my creditors reasonably, while they broke every rule, regulation and guidelines in the book.

      The thing with this particular account is that I'm sure at least 50% of the balance is due to charges applied by SD before they sold it (as is the case for all my SD accounts).

      How anyone can charge because they were unable to contact you by telephone is unreal, but this is the sort of charge that they applied to my account!

      Best
      SnV
      Imature goons they are. that is being too nice.
      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

      • #123
        Re: The SaltnVinegar UE Diary

        Originally posted by SaltnVinegar View Post
        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
        20/8/2012 - Letter received from Wescot threatening doorstep collection visit
        Hi All

        Letter from Wescot received today. You're going to love this, pay particular attention to the arrears value. They actually sent me this (where they printed in bold I have also - just so you can see the dramatic effect!

        Dear Mr SnV

        We have written to you on a number of occasions regarding the arrears now outstanding on the agreed repayment plan and you have failed to respond. The arrears value is currently         £0.00 and has reached a stage where additional action is now required.

        As a final attempt to avoid a doorstep visit we are prepared to offer you a discount to settle your account.

        This matter cannot remain outstanding any longer. This is your final opportunity to avoid referral to a Door Step Collection Agent.

        Contact us immediately in order to stop your debt going to a Door Step Collection Agent and to discuss your available options:

        1) Agree a discounted settlement
        2) Clear the arrears on your current repayment plan
        3) Agree an alternative repayment plan

        To prevent further action please call us on 0844 251 1050
        Last edited by SaltnVinegar; 20 August 2012, 13:15. 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

        • #124
          Re: The SaltnVinegar UE Diary

          Originally posted by SaltnVinegar View Post
          Hi All

          Letter from Wescot received today. You're going to love this, pay particular attention to the arrears value. They actually sent me this (where they printed in bold I have also - just so you can see the dramatic effect!

          Dear Mr SnV

          We have written to you on a number of occasions regarding the arrears now outstanding on the agreed repayment plan and you have failed to respond. The arrears value is currently           £0.00 and has reached a stage where additional action is now required.

          As a final attempt to avoid a doorstep visit we are prepared to offer you a discount to settle your account.

          This matter cannot remain outstanding any longer. This is your final opportunity to avoid referral to a Door Step Collection Agent.

          Contact us immediately in order to stop your debt going to a Door Step Collection Agent and to discuss your available options:

          1) Agree a discounted settlement
          2) Clear the arrears on your current repayment plan
          3) Agree an alternative repayment plan

          To prevent further action please call us on 0844 251 1050


          Quality!

          According to Wescot my arrears value is currently zilch!

          I will therefore select option 2) from their generous list of options!

          "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

          • #125
            Re: The SaltnVinegar UE Diary

            Send them a cheque for £0.00.

            The idiots.

            Comment

            • #126
              Re: The SaltnVinegar UE Diary

              Originally posted by vint1954 View Post
              Send them a cheque for £0.00.

              The idiots.
              You know they'd still try to cash this too!
              "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

              • #127
                Re: The SaltnVinegar UE Diary

                Originally posted by Flowerpower
                Hull Heroes Wetclothes couldn't be more useless if they tried hard!

                I'd also be tempted to send a cheque for £0.00...

                ...however, I'd be concerned about acknowledging the debt, not with the non-payment but by writing something like "please find attached cheque to clear the arrears as per your letter..."
                Very true

                Comment

                • #128
                  Re: The SaltnVinegar UE Diary

                  Originally posted by SaltnVinegar View Post
                  You know they'd still try to cash this too!
                  Thats the idea, they probably would then it cost the 64p +
                  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

                  • #129
                    Re: The SaltnVinegar UE Diary

                    Hi All

                    Big week this week, several responses to creditors. Most have been of the 'please accept a 6 month payment break' format, but I gave Wescot a doorstep response letter and one of Niddys overdraft CCA specials so will be interesting to see what they make of that.

                    Wescot have come straight out the gate offering yet another 'settlement figure' so depending on how things go I'll start with a 5% offer and take things from there on trying to get a F&F settlement.

                    Will keep you all posted!

                    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

                    • #130
                      Re: The SaltnVinegar UE Diary

                      Originally posted by Flowerpower
                      If you haven't paid this since 2010, making ANY kind of offer would be acknowledging the debt and resetting the SB clock!
                      Indeed, don't make offers at this stage.

                      Comment

                      • #131
                        Re: The SaltnVinegar UE Diary

                        Originally posted by Flowerpower
                        If you haven't paid this since 2010, making ANY kind of offer would be acknowledging the debt and resetting the SB clock!
                        Hi FP

                        Sorry perhaps I have interpreted the last payment thing - I thought this was the last 'contractual' payment as opposed to last DMP payment (which is less than the contractual amounts).

                        I think I will update my diary to make this clearer

                        But last payment was only a couple of months ago so SB clock isn't an issue here but thanks for the warning!

                        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

                        • #132
                          Re: The SaltnVinegar UE Diary

                          Originally posted by Flowerpower
                          Sorry, I read it was 2010, must have been your last FULL payment, I'm not used to DMPs myself
                          But yes, even a £1 payment would reset the clock.
                          Yes 2010 was my last full payment, that was after I had struggled for over a year robbing Peter to pay Paul and getting myself deeper and deeper into the mire until I decided enough was enough.

                          I started my DMP in August 2010 but have decided after 2 years of hassle, interest and charges still being applied, threats of my doorstep being collected because I didn't increase payments on review, increasing costs such as food, fuel, insurance costs, it was getting to a point where I was prioritizing my DMP payment over my mortgage.

                          So I have decided on trying the UE journey with the goal to getting as many accounts as UE as possible, or getting creditors to accept F&F offers.

                          At least thats the plan

                          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

                          • #133
                            Re: The SaltnVinegar UE Diary

                            Originally posted by SaltnVinegar View Post
                            So I have decided on trying the UE journey with the goal to getting as many accounts as UE as possible, or getting creditors to accept F&F offers.
                            At least thats the plan
                            That makes the two of us mate! Good luck, fingers crossed!
                            When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                            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

                            • #134
                              Re: The SaltnVinegar UE Diary

                              Originally posted by SaltnVinegar View Post
                              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
                              24/8/2012 - Letter received from BLS Collections. One liner stating that I must contact them TODAY
                              *Sigh* - the polite letters didn't last long! Apparently I must telephone them TODAY.

                              But as today is not the date on their letter I'm not sure how I am going to do that and as they have not responded to my letter of the 7th I won't be discussing anything with them until they do!
                              "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

                              • #135
                                Re: The SaltnVinegar UE Diary

                                Originally posted by missy View Post
                                That makes the two of us mate! Good luck, fingers crossed!
                                Thanks Missy! Good luck to you too!
                                "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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