The SaltnVinegar UE Diary

[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 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 June 2011 but no shows as no entries made since June 2013??
  
  
• Account owner - Collection with Apex Credit Management (still owned by Lloyds TSB)
  

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
17/10/2012 - Notice from Lloyds TSB that account has transferred to Apex Credit Management Limited for collection
17/10/2012 - Introduction letter from Apex Credit Management
3/1/2013 - Letter from HL Solicitors threatening legal action
28/1/2013 - Letter from Apex Credit Management
4/2/2013 - Home Visit Appointment letter from Apex Credit Management
4/2/2013 - Sent OD CCA Request - allaboutFORUMS - View Single Post - Overdrafts - CCA Information combined with doorstep letter template
8/2/2013 - Letter from Apex Credit Management asking for £1 fee for CCA request
9/2/2013 - Letter from HL Solicitors. It is EXACTLY the same as the letter they sent 3/1/2013 word for word!!
12/2/2013 - Sent letter pointing out that request not made under s77-79 of CCA1974 and to comply with my request
7/3/2013 - Letter from Apex Credit Management stating that as its a current account no CCA available
11/3/2013 - Notice from Lloyds TSB that account has been transferred to Apex Credit Management Limited for collection
23/3/2013 - Letter from HL Solicitors. It is EXACTLY the same as the letters they sent 3/1/2013 and 9/2/2013 word for word!!
4/4/2013 - Sent letter pointing out that request not made under s77-79 of CCA1974 and to comply with my request
19/4/2013 - Letter from Apex Credit Management stating that account on hold and referred back to client
19/4/2013 - Letter from Apex Credit Management stating that account on hold and referred back to client
22/5/2013 - Letter from Lloyds TSB stating account has been transferred to Moorcroft debt recovery for collection
27/5/2013 - Formal complaint made to Moorcroft that Lloyds TSB have yet to comply with my request and that I consider their actions complicit in a conduct of harassment
6/6/2013 - Letter from Moorcroft giving me 7 days to pay balance or they may have to consider possible further debt recovery action
10/6/2013 - Letter from Moorcroft - account suspended
11/12/2013 - Letter from Lloyds TSB - NOA account sold to Robinson Way
13/12/2013 - Introduction letter from Robinson Way
23/12/2013 - Doorstep Collection Threat from Robinson Way
2/1/2014 - Formal complaint made to Robinson Way that Lloyds TSB have yet to comply with my request and that I consider their actions complicit in a conduct of harassment combined with doorstep harassment template

Just an update on above - letter sent off to Robbers Way today so will see what they make of that. Suspect they will drop it as quickly as Moorcroft did

[Bricktop]

Re: The SaltnVinegar UE Diary

Just popped in to check if you had the same as I did.

Thought so....

[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 full payment - March/April 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received but no default registered with CRA (just showing 6 months late payment markers)
  

• Account owner - Firstsource Advantage on behalf of Amex

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
21/8/2012 - Payment break letter sent
7/9/2012 - Letter from RMA that account may be passed to 'normal collections'
6/10/2012 - Letter from RMA stating my account will be passed to mainstream collections
11/10/2012 - Letter from Amex stating my account is being passed to an external DCA (UCA)
16/10/2012 - Letter from UCA
18/10/2012 09:54 - Telephone call from UCA
29/10/2012 - Payment break letter sent to UCA
29/10/2012 - CCA Request sent to UCA
6/11/2012 - Letter from UCA
11/12/2012 - CCA response from Amex. Will send to Niddy over the next couple of days to see if its UE or not
6/11/2013 - Letter from Amex that account has been referred to Moorcroft for collection
6/11/2013 - Letter from Moorcroft - account transferred to them cough up in 7 days
11/11/2013 - Phone call from Moorcroft - VM message left
14/11/2013 - Phone call from Moorcroft at 19:48 - VM message left
15/11/2013 - Phone call from Moorcroft at 14:26 - VM message left
30/12/2013 - NOA from Amex - account now with Firstsource Advantage LLC

Another nice Xmas prezzie from Amex - NOA that account has been passed to Firstsource Advantage LLC. Last time I dealt with this lot they were pretty easy to get rid of. Will see how quickly I can get them to ditch the account this time

[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 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

Well a little bit of Christmas cheer being spread by Capquest - at least I know what account they are calling about

I've sent them one of 'Pauls specials' regards telephone harassment so will see what the next response is........

[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 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

Its been a while since I've been called from these muppets so obviously with the Christmas timing its deliberately done to harass but got a call from Capquest this morning direct to my work mobile.

Not sure which account they were calling about (I have two so updated the most likely one above) as I didn't give them an opportunity as didn't answer security questions. I have sent them the telephone harassment letter before (but for different account). I think I may have to just send a 'generic' letter covering all accounts

I don't usually lose my temper but as I had literally just switched the phone on and was about to make a call to a work colleague lets just say that I didn't spread the festive cheer and the phone monkey was left in no uncertain terms that they weren't to call again.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

good plan S&V just a wee last chance mailshot

Oh for sure - the DCA's always ramp things up before Xmas because they think they may have a sniff at any 'spare' cash. Its really cynical and obvious to anyone thats been in the 'threat-o-gram' cycle for a few years and should be stopped.

[MrsD]

Re: The SaltnVinegar UE Diary

good plan S&V just a wee last chance mailshot

[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 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 June 2011 but no shows as no entries made since June 2013??
  
  
• Account owner - Collection with Apex Credit Management (still owned by Lloyds TSB)
  

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
17/10/2012 - Notice from Lloyds TSB that account has transferred to Apex Credit Management Limited for collection
17/10/2012 - Introduction letter from Apex Credit Management
3/1/2013 - Letter from HL Solicitors threatening legal action
28/1/2013 - Letter from Apex Credit Management
4/2/2013 - Home Visit Appointment letter from Apex Credit Management
4/2/2013 - Sent OD CCA Request - allaboutFORUMS - View Single Post - Overdrafts - CCA Information combined with doorstep letter template
8/2/2013 - Letter from Apex Credit Management asking for £1 fee for CCA request
9/2/2013 - Letter from HL Solicitors. It is EXACTLY the same as the letter they sent 3/1/2013 word for word!!
12/2/2013 - Sent letter pointing out that request not made under s77-79 of CCA1974 and to comply with my request
7/3/2013 - Letter from Apex Credit Management stating that as its a current account no CCA available
11/3/2013 - Notice from Lloyds TSB that account has been transferred to Apex Credit Management Limited for collection
23/3/2013 - Letter from HL Solicitors. It is EXACTLY the same as the letters they sent 3/1/2013 and 9/2/2013 word for word!!
4/4/2013 - Sent letter pointing out that request not made under s77-79 of CCA1974 and to comply with my request
19/4/2013 - Letter from Apex Credit Management stating that account on hold and referred back to client
19/4/2013 - Letter from Apex Credit Management stating that account on hold and referred back to client
22/5/2013 - Letter from Lloyds TSB stating account has been transferred to Moorcroft debt recovery for collection
27/5/2013 - Formal complaint made to Moorcroft that Lloyds TSB have yet to comply with my request and that I consider their actions complicit in a conduct of harassment
6/6/2013 - Letter from Moorcroft giving me 7 days to pay balance or they may have to consider possible further debt recovery action
10/6/2013 - Letter from Moorcroft - account suspended
11/12/2013 - Letter from Lloyds TSB - NOA account sold to Robinson Way
13/12/2013 - Introduction letter from Robinson Way
23/12/2013 - Doorstep Collection Threat from Robinson Way

Half hearted threat-o-gram today from Robinson Way. If I do not contact them or repay the balance then they will do one of the following 3 things to me:

• Affect my ability to obtain credit (missed the boat on that one chums as its fubar already)
• Continue to contact me by letter and/or by phone (oooer)
• Ask a local doorstep collector to visit me to agree to an affordable repayment plan (they will have trouble as I do not have a doorstep nor will I agree to anything)

Think I will leave it a few days (no point posting anything now before Christmas), and then send them the letter I sent to Moorcroft back in May. See if RW capitulate any more quickly

[vint1954]

Re: The SaltnVinegar UE Diary

Yep, was it Roberts v HSBC

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

They will probably agree to stop phoning as long as you respond to their letters

Hi Vint - well not had a call for over a week now so they certainly have taken note of my letter. If they continue to disrupt me when working then I have a real case against them for harassment and potential loss of earnings so they'd be stupid to ignore that.

[vint1954]

Re: The SaltnVinegar UE Diary

They will probably agree to stop phoning as long as you respond to their letters

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Halifax/IF:

• Type of account - Credit Card
  
  
• Date commenced - Years and years ago!
  
  
• Approx balance - Approx £800
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying (already established UE)
  
  
• Status - No DN received. Default issued with CRA May 2012
  
  
• Account owner - 1st Credit
  

Key:
Blue - Communication Sent
Red - Communication Received

2/5/2012 - CCA Request Sent
7/6/2012 - Letter from Halifax/If stating that they cannot find my credit agreement and will not try to enforce the agreement while they try to find it
June 2012 - Numerous letters from Wescot making threats
2/7/2012 - Letter to Wescot - Account Sold While In Dispute
7/10/2012 - Letter from Halifax/If stating account transferred to Capquest
19/10/2012 11:05 - Telephone call from Capquest
25/10/2012 - Introduction letter from Capquest
26/10/2012 - Letter to Capquest - Account Sold While In Dispute
26/10/2012 08:50 - Telephone call from Capquest
29/10/2012 - Letter to Capquest - Telephone harassment at work letter
2/11/2012 - Letter from Capquest asking for £1 for CCA request!
13/11/2012 14:38 - Telephone call from Capquest
17/11/2012 - Threat-O-Gram from Capquest
21/11/2012 - Letter to Capquest - Our Templates | Unenforceability Templates | Final Response - Unenforceability (No CCA Received)
1/12/2012 - Letter from Howard Cohen Solicitors stating that court action may be taken
10/12/2012 - Another Letter to Capquest - Our Templates | Unenforceability Templates | Final Response - Unenforceability (No CCA Received)
17/12/2012 - Letter from Capquest acknowledging complaint and stating account is on hold
17/12/2012 - Letter from Capquest offering reduced settlement figure
5/1/2013 - Letter from Capquest responding to complaint
23/1/2013 - Letter from IF rejecting complaint
23/2/2013 - Letter from Halifax/IF giving NOA to First Source Solutions
28/2/2013 - Called at work by First Source Solutions
28/3/2013 - Called at work by First Source Solutions
4/4/2013 - Letter to First Source Solutions combining harassment at work template and Final Response - Unenforceability (No CCA Received)
9/4/2013 - Called at work by First Source Solutions
12/4/2013 - Letter from First Source Solutions - account on hold
11/10/2013 - Letter from Halifax/IF rejecting complaint
4/12/2013 - Letter from BoS informing me account has been assigned to 1st Credit
4/12/2013 - Introduction Letter from 1st Credit
5/12/2013 - Text from 1st Credit
5/12/2013 - Phone call from 1st Credit at work
5/12/2013 - Letter to 1st Credit combining harassment at work template and Final Response - Unenforceability (No CCA Received)
6/12/2013 - Phone call from 1st Credit at work
7/12/2013 - Phone call from 1st Credit to work mobile
8/12/2013 - Phone call from 1st Credit to work mobile
9/12/2013 - Phone call from 1st Credit to work mobile
13/12/2013 - Letter from 1st Credit 'County Court Proceedings Being Considered'
13/12/2013 - CCA Request Sent
18/12/2013 - Letter from 1st Credit

Letter received from 1st Credit - one liner:

"Thank you for your recent correspondence. Your account has been passed to the appropriate department and they shall respond in due course."

So this was dated before I sent the CCA request so suspect its in response to my letter of the 5th. Will be interesting to see what the response of the "appropriate department" will be in "due course"

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

No, I think it is the best way. Start afresh with them

Well although its a PITA to send another CCA request the main thought running through my mind is that when they get the CCA request they are going to already know that the OC hasn't been able to find it

[vint1954]

Re: The SaltnVinegar UE Diary

No, I think it is the best way. Start afresh with them

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Probably the best way S&V

Thanks Vint - I've read a couple of horror stories of 1st Credit starting action even when they have been informed the OC does not have the paperwork. I hope I haven't shot myself in the foot by doing this and the CCA request gets to them before the next cog in the machine starts turning. The CCA request should then be a nice spanner