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
7/10/2012 - 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

Just sent the telephone harassment at work letter today, just to put the back in their place a little more!

[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 full payment - 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
4/8/2012 - LBA from Trevor Munn Solicitors giving me 10 days to pay up or they will make an application for CCJ
7/8/2012 - Response back to ArcEurope & Trevor Munn disputing account
7/8/2012 - CCA Request to ArcEurope
9/8/2012 - Letter from ArcEurope, account currently on hold, referred back to their client
24/10/2012 - Letter from ArcEurope, Statement of payments, and Credit Agreement
29/10/2012 - Response back to ArcEurope that account still in dispute

Letter back to Arc Europe today stating that the account is still in dispute and they have done nothing to address the points of my complaint from August.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Well bit of a letter frenzy today - several letters sent off

What I like is the ridiculously short timeframes that these companies demand you contact them in (e.g. 7 days) which is totally insufficient when taking into consideration postage times etc.

I spoke to a solicitor a couple of weeks ago and they are now recommending to clients in disputes to allow 21 days when requesting a response as a couple of recent court cases had ruled that 14 days had been insufficient time.

Not sure how relevant that is to consumer credit disputes but does give food for thought.......

[ken100464]

Re: The SaltnVinegar UE Diary

Think its a method of getting the unwary to forget the rules and reach for the phone in a moment of panic that you have a deadline to meet.

Which of course any normal rational human being would realise you would not meet.

They are having to be much more clever now they know we can request contact only by letter and hence a full audit trail.

We had Apex write a good one where the complaint was about phone harrasment and us wanting it all in writing.

At the bottom of the letter saying they would stop phoning they put something along the lines phone us in order to set up a repayment shedule.

All nice and fluffy to the unwary but just a method to get you back onto the phone threat cycle.

[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 full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying
  
  
• Status - Defaulted but no DN received
  
  
• Account owner - ArcEurope
  

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
4/8/2012 - LBA from Trevor Munn Solicitors giving me 10 days to pay up or they will make an application for CCJ
7/8/2012 - Response back to ArcEurope & Trevor Munn disputing account
7/8/2012 - CCA Request to ArcEurope
9/8/2012 - Letter from ArcEurope, account currently on hold, referred back to their client
24/10/2012 - Letter from ArcEurope, Statement of payments, and Credit Agreement
29/10/2012 - Response back to ArcEurope that account still in dispute
30/10/2012 - CCA sent to Niddy for review

Just sent the CCA for this account to Niddy to get his views on it. Agreement to my laymans eyes seems a bit different to a standard credit card agreement, so I'm hoping that some expert eyes will see serious flaws in how its been put together.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

If it was a PDL it would be very different. A credit card is a revolving credit facility whilst a PDL is a lump sum, short-term loan. PDLs wouldn't really be UE in the same sense as a card or standard loan, having said that, they don't seem to go legal very often, one wonders why...

Thanks Flower

This is why I thought it would be useful for Niddy to have a look and see what he thought of the agreement.

If he can find something that we can use to challenge these agreements I'm hoping that the PDL industry could be blown out the water until they get their acts together.

[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 - Capquest
  

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!

Could Capquest be more incompetent!

They seem to have confused my letter of 26th for a CCA request and are asking for the £1 fee!

Despite the fact that it clearly states that Halifax are in breach of the CCA request sent to them and it included a copy of the letter from Halifax stating they cannot find the agreement!

I think I will ignore this letter for now and see what garbage Capquest send next.

[vint1954]

Re: The SaltnVinegar UE Diary

Could Capquest be more incompetent!

They seem to have confused my letter of 26th for a CCA request and are asking for the £1 fee!

Despite the fact that it clearly states that Halifax are in breach of the CCA request sent to them and it included a copy of the letter from Halifax stating they cannot find the agreement!

I think I will ignore this letter for now and see what garbage Capquest send next.

Either ignore S&V or just send a one liner pointing them to the fact that it was not a CCA request, but a reminder that their client had not responded to an earlier one.

[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 full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying
  
  
• Status - Defaulted but no DN received
  
  
• Account owner - ArcEurope
  

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
4/8/2012 - LBA from Trevor Munn Solicitors giving me 10 days to pay up or they will make an application for CCJ
7/8/2012 - Response back to ArcEurope & Trevor Munn disputing account
7/8/2012 - CCA Request to ArcEurope
9/8/2012 - Letter from ArcEurope, account currently on hold, referred back to their client
24/10/2012 - Letter from ArcEurope, Statement of payments, and Credit Agreement
29/10/2012 - Response back to ArcEurope that account still in dispute
30/10/2012 - CCA sent to Niddy for review
3/11/2012 - Letter from ArcEurope, account currently on hold, referred back to their client

Looks like my letter back to ArcEurope has had the desired effect as they have placed the account on hold and are waiting on instructions from Quickquid.

Quickquid are in a couple of breaches of the CCA, but I have not told them exactly what it is they have done wrong.

I'd like them to ask me - because I will charge them a consultancy fee for telling them what they are doing wrong!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Either ignore S&V or just send a one liner pointing them to the fact that it was not a CCA request, but a reminder that their client had not responded to an earlier one.

Thanks Vint - I think I will ignore. They have obviously not read the letter correctly, or alternatively they have a limited amount of keys on the threat-o-matic response machine so do not know how to handle it and have sent me the closest one that suits!

[SXGuy]

Re: The SaltnVinegar UE Diary

I would ignore also, i never feel the need to reply to letters that miss the point, maybe its just cos i cant be bothered lol

[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 - UCA (Another 'face' of American Express)
  

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

Letter received yesterday from UCA. Its possible that they crossed in the post with my CCA request as they were dated 30th October.

Basically content of the letter goes along the lines of:

We are disappointed you have not responded to our repeated correspondence blah blah (1 phone call & 1 letter is repeated correspondence?!!!)

We may have to refer the account back to our client

We will recommend to our client that they commence legal action

blah blah

I expect Amex will farm this out to an external DCA shortly.

[MrsD]

Re: The SaltnVinegar UE Diary

I would think so

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

I would think so

Shall we get a little book going with odds on which one it will be?

Newmans?
Moorcroft?
Capquest?
Allied International Credit?

[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 full payment - August/September 2010
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• 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
21/8/2012 - Sent OD CCA Request - allaboutFORUMS - View Single Post - Overdrafts - CCA Information
21/8/2012 - Doorstep threat response letter sent
14/9/2012 - Letter received from Wescot. Account suspended pending investigations

Now I know for many this is old news but I have only just read this post from Niddy regards O/D's:

allaboutFORUMS - View Single Post - Overdrafts - CCA Information

This is really interesting (excuse the pun) as my O/D was well over its limit, having been placed that way by Santanders own charges.

Now that would be a little poetic justice if their own charges mean normal rules will now apply!