The SaltnVinegar UE Diary

[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 - Defaulted though no DN received
  
  
• Account owner - Wescot

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
7/6/2012 - Letter from Halifax/If stating account transferred to Capquest

Letter received today from Halifax stating they have transferred the account to Capquest.

So I am on to my 3rd DCA for this account. First Albion Collections, then Wescot, now Capquest. May explain why they are trying to contact me via work.

Ah well, as I have a letter from their client stating they cannot find the agreement, and will not pursue enforcement while they try to find it Capquest can go whistle!

[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
  
  
• 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
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

Apologies for the late updates on this one. I was travelling for work last week so have come home to a load of letters!

So a few updates on this one, Amex have transferred my account to 'UCA' whose letter is as follows:

Dear SnV

Out client, American Express, has asked us to get in touch with you to try to avoid unnecessary formal proceedings that unfortunately could be brought against you for non-payment of your account.

Due to the time that has already elapsed the most important thing you should do is to call on receipt of this letter and register your intention to resolve this matter on a voluntary basis. You have our assurance that on receipt of this call we will suspend any further action for a period of time necessary to assess your situation and implement a reasonable repayment plan to bring the matter to a close.

Please call the number below and talk through with one of our account representatives the issues that you have to date to prevent you from paying the balance above.

We will endeavor to help you and explore the many options that are still available to you, some of which you may currently be unaware of.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Hi All

Sorry for the multiple updates today! I've been away for work for a week and got home to a heap of letters so quite a few updates!

Looks like the DCA's are gearing up for Christmas

[ken100464]

Re: The SaltnVinegar UE Diary

Hi All


Looks like the DCA's are gearing up for Christmas

Was thinking the exact same thing watching all these posts and threads going through the last couple of days.

[pepe2008]

Re: The SaltnVinegar UE Diary

Absolutely ! Thats just a 'please give some money' letter in the hope that you DO see it as a Legit offer rather than a last ditch attempt made when they have run out of ammo !

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Why are you thinking of paying Wetclothes? Is it enforceable?

Thanks FP thats a good point.

I haven't sent a CCA request to this bunch yet so I think thats option e)

That should keep them busy for a little while longer!

Best
SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Crapquest probably have no idea about the lack of agreement so they'd need to be told ---> Our Templates | Unenforceability Templates | CCA Query - Letter Previously Confirming No CCA

No neither did Albion or Wescot.

I'm not sure what they're trying to achieve by doing the DCA merry-go-round when they have already written stating that they can't find the agreement as it makes them even more impotent than they already are

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Hi All

Letter from Arc Europe received today. Enclosed the following:

List of payments they claim I have made
Copies of credit agreements

Looking through the list of payments they claim to have have received they are a huge mess, and only one of the disputed payments I have made appears on the statement.

• Therefore the balance is still incorrect.
• I still have yet to receive a default notice either.
• Credit Agreement will be scanned and sent to Niddy asap.

So onto the interesting bit and I'd really like some feedback on this as I think its crucial and could also close Quickquid down..........

The "Lender" on the credit agreement is given as:

CashEuroNet UK LLC
Company House Registration Number: FC027527

Looking on companies house website this company was converted/closed on 18/5/2010 and has not submitted any accounts since 2008.

However their CCL is still "Current"

So my question is can they legally supply loans if their CCL is registered to a company that has not filed accounts in 4 years and has a status of converted/closed?

Should this go to court I am wondering if this could be part of my defense?

I'm wondering what should be my next response?

Best
SnV

Anyone have any thoughts on this one?

I'm just thinking standard account in dispute letter?

[MrsD]

Re: The SaltnVinegar UE Diary

send off the sold in dispute Salt n Vinegar

then update this one on a page so that we can see where we are with it, when did you send the CCA?
what did you get back?

Have you still others that you haven't CCAed? It's a big part of your protection ftom a quick trot to court so if I were you I'd get them all off, if you have a letter saying they have no paperwork, get it off to them toutsuite, they will drop you and it will be on to the next crowd of diddie, some of ours are on their 7/8th DCAs

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

send off the sold in dispute Salt n Vinegar

then update this one on a page so that we can see where we are with it, when did you send the CCA?
what did you get back?

Have you still others that you haven't CCAed? It's a big part of your protection ftom a quick trot to court so if I were you I'd get them all off, if you have a letter saying they have no paperwork, get it off to them toutsuite, they will drop you and it will be on to the next crowd of diddie, some of ours are on their 7/8th DCAs

Thanks Mrs D

Theres a few that I haven't CCA's, mainly the Shop Direct as they were post 2007 and the Payday Loans.

Main reason is I have been waiting for them to start the correspondence, and have left sleeping dogs alone!

Best
SnV

[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 - Defaulted though no DN received
  
  
• Account owner - Wescot

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
25/10/2012 - Introduction letter from Capquest
26/10/2012 - Letter to Capquest - Account Sold While In Dispute

Account sold in dispute letter going to be sent to Capquest tomorrow morning. Already printed out and ready to go.

Let them chew on that

[MrsD]

Re: The SaltnVinegar UE Diary

that's my boy!!!

[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 - Defaulted though no DN received
  
  
• Account owner - Wescot

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
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.

Another phone call at work from Crapquest

Sooner they get that letter the better!

[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
  
  
• 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
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

2 pronged attack today, reminding UCA that I have asked for a payment break and seeking debt advice, and also a CCA request which should keep them busy for a little while

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Black Horse:

• Type of account - Personal Loan
  
  
• Date commenced - Pre April 2007
  
  
• Approx balance - Approx £1200
  
  
• Date last full payment - Feb/March 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Defaulted, but can't remember getting a DN
  
  
• Account owner - Nationwide (Blackhorse inhouse DCA?)

Blue - Communication Sent
Red - Communication Received

10/8/2012 - Notice of arrears received
20/8/2012 - Letter from Nationwide Collection Services Limited stating that I am overdue a payment on my payment arrangement
21/8/2012 - Payment break letter sent
29/8/2012 - Letter from Black Horse stating that they will reduce interest on agreement to 0%
3/9/2012 - Letter from Wescot introducing themselves
14/9/2012 - Letter from Wescot with I/E form asking me to complete to allow them to assess my ability to pay the debt
6/10/2012 - Letter from Wescot that they have established I live at my address and they may take further collection activity
24/10/2012 - Letter from Nelson Guest & Partners Solicitors
29/10/2012 - CCA Request sent to Wescot

CCA request sent to Wescot today. That should give the something to think about for a little while!