The SaltnVinegar UE Diary

[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. No CRA record.
  
  
• Account owner - ArcEurope
  

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2010 - Payment arrangement offer sent
18/8/2010 - Payment arrangement accepted
8/2/2012 - Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
8/2/2012 - Email to QQ questioning threats as on payment arrangement
8/2/2012 - Email from QQ - Apologizing email sent in error
17/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
17/2/2012 - Another Email to QQ questioning threats as on payment arrangement
17/2/2012 - Response from QQ that their records indicate payment not made in over 70 days
17/2/2012 - Email to QQ providing evidence payments made (recorded delivery)
17/2/2012 - Response from QQ that their records indicate payment not made since Nov 2011 and its up to me to find where they have gone!
17/2/2012 - Further Email to QQ providing evidence payments made (recorded delivery and cashed Postal Order numbers)
17/2/2012 - Response from QQ that being investigated and will be updated in 3-7 working days
18/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/2/2012 - Another email from QQ saying thankyou for contacting to pay by cheque and enclosing cheque instructions!
24/2/2012 - Another email from QQ refusing continued agreed payments and demanding balance over 12 months
27/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
28/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
28/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
3/3/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/6/2012 - Response back to QQ - restating payment plan and requesting they accept it
23/6/2012 - Response from QQ - Collection activity will continue unless acceptable payment arrangement made
23/6/2012 - Further email from QQ offering to accept payments over 9 months
23/6/2012 - Further Response back to QQ - enclosed I/E showing what I can afford and disputing balance due to lost payments
25/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
25/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
5/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
5/7/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
6/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
13/7/2012 - Email from QQ notice of deferral to 3rd party debt collectors
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
8/11/2013 - Email from QQ - Account 60 days overdue
12/11/2013 - Email from QQ - Account 60 days overdue
14/11/2013 - Email from QQ - Account 60 days overdue
19/11/2013 - Email from QQ - Account 60 days overdue
21/11/2013 - Email from QQ - Account 60 days overdue
25/11/2013 - Email from QQ - Account 60 days overdue
27/11/2013 - Email from QQ - Account 60 days overdue
3/12/2013 - Email from QQ - Account 60 days overdue
5/12/2013 - Email from QQ - Account 60 days overdue

Couple more emails from QQ.....

Having been through this process a few times now over the last 4 years I have got to love how the harassment ramps up as Christmas approaches as the leeches KNOW that people will have been scrimping and saving just to have some sort of nice family time. They seem to think that we're out buying iPads and sports cars, when the reality was a couple of years ago we had less than £50 which just about covered a turkey and trimmings!

[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

And so the harassment starts from 1st Credit with a text to my mobile number and a telephone call via my employers switchboard. So much for 'removing your telephone numbers from our systems' by the OC and Capquest - obviously it was not.

I think I will send the same letter I sent to First Source Solutions - it made them back off quickly enough and I'm sure it will have the same effect with 1st Credit.

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 - 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
4/12/2103 - Introduction Letter from 1st Credit

Hi All

Well looks like BoS have given up on this one.

Today get a letter stating account has been sold to 1st Credit - "assigned all of its respective rights, title and interest in respect of the above referenced account (including outstanding balance). Under the terms of this assignment and as defined in the Data Protection Act 1998, 1st Credit Limited is not the Data Controller of your Personal Data contained in the records of this account."

Unfortunately for 1st Credit they have bought a pup as I have a letter from BoS admitting that they cannot find the agreement and hence being UE (though a debt still remains and should be paid blah blah).

So looks like a Final Response letter will be off in the post to 1st Credit along with copy of the letter from BoS admitting they cannot find the agreement.

SnV

[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. No CRA record.
  
  
• Account owner - ArcEurope
  

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2010 - Payment arrangement offer sent
18/8/2010 - Payment arrangement accepted
8/2/2012 - Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
8/2/2012 - Email to QQ questioning threats as on payment arrangement
8/2/2012 - Email from QQ - Apologizing email sent in error
17/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
17/2/2012 - Another Email to QQ questioning threats as on payment arrangement
17/2/2012 - Response from QQ that their records indicate payment not made in over 70 days
17/2/2012 - Email to QQ providing evidence payments made (recorded delivery)
17/2/2012 - Response from QQ that their records indicate payment not made since Nov 2011 and its up to me to find where they have gone!
17/2/2012 - Further Email to QQ providing evidence payments made (recorded delivery and cashed Postal Order numbers)
17/2/2012 - Response from QQ that being investigated and will be updated in 3-7 working days
18/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/2/2012 - Another email from QQ saying thankyou for contacting to pay by cheque and enclosing cheque instructions!
24/2/2012 - Another email from QQ refusing continued agreed payments and demanding balance over 12 months
27/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
28/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
28/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
3/3/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/6/2012 - Response back to QQ - restating payment plan and requesting they accept it
23/6/2012 - Response from QQ - Collection activity will continue unless acceptable payment arrangement made
23/6/2012 - Further email from QQ offering to accept payments over 9 months
23/6/2012 - Further Response back to QQ - enclosed I/E showing what I can afford and disputing balance due to lost payments
25/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
25/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
5/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
5/7/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
6/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
13/7/2012 - Email from QQ notice of deferral to 3rd party debt collectors
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
8/11/2013 - Email from QQ - Account 60 days overdue
12/11/2013 - Email from QQ - Account 60 days overdue
14/11/2013 - Email from QQ - Account 60 days overdue
19/11/2013 - Email from QQ - Account 60 days overdue
21/11/2013 - Email from QQ - Account 60 days overdue
25/11/2013 - Email from QQ - Account 60 days overdue
27/11/2013 - Email from QQ - Account 60 days overdue

Just a quick update - couple more emails but nothing more.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Bless them! Obviously time stood still for them if you were 60 days overdue on 3/11 through to 19/11..

Yeah they are a bit dim like that! I am expecting this to go through the cycle and go to Trevor Munn again!

[Undercover Elsa]

Re: The SaltnVinegar UE Diary

Bless them! Obviously time stood still for them if you were 60 days overdue on 3/11 through to 19/11..

[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. No CRA record.
  
  
• Account owner - ArcEurope
  

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2010 - Payment arrangement offer sent
18/8/2010 - Payment arrangement accepted
8/2/2012 - Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
8/2/2012 - Email to QQ questioning threats as on payment arrangement
8/2/2012 - Email from QQ - Apologizing email sent in error
17/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
17/2/2012 - Another Email to QQ questioning threats as on payment arrangement
17/2/2012 - Response from QQ that their records indicate payment not made in over 70 days
17/2/2012 - Email to QQ providing evidence payments made (recorded delivery)
17/2/2012 - Response from QQ that their records indicate payment not made since Nov 2011 and its up to me to find where they have gone!
17/2/2012 - Further Email to QQ providing evidence payments made (recorded delivery and cashed Postal Order numbers)
17/2/2012 - Response from QQ that being investigated and will be updated in 3-7 working days
18/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/2/2012 - Another email from QQ saying thankyou for contacting to pay by cheque and enclosing cheque instructions!
24/2/2012 - Another email from QQ refusing continued agreed payments and demanding balance over 12 months
27/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
28/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
28/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
3/3/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/6/2012 - Response back to QQ - restating payment plan and requesting they accept it
23/6/2012 - Response from QQ - Collection activity will continue unless acceptable payment arrangement made
23/6/2012 - Further email from QQ offering to accept payments over 9 months
23/6/2012 - Further Response back to QQ - enclosed I/E showing what I can afford and disputing balance due to lost payments
25/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
25/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
5/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
5/7/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
6/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
13/7/2012 - Email from QQ notice of deferral to 3rd party debt collectors
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
8/11/2013 - Email from QQ - Account 60 days overdue
12/11/2013 - Email from QQ - Account 60 days overdue
14/11/2013 - Email from QQ - Account 60 days overdue
19/11/2013 - Email from QQ - Account 60 days overdue

Ah bless - another QQ email

[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 - Moorcroft 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

Bless their little cotton socks - they're still trying to call even though their number is being blocked!

[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. No CRA record.
  
  
• Account owner - ArcEurope
  

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2010 - Payment arrangement offer sent
18/8/2010 - Payment arrangement accepted
8/2/2012 - Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
8/2/2012 - Email to QQ questioning threats as on payment arrangement
8/2/2012 - Email from QQ - Apologizing email sent in error
17/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
17/2/2012 - Another Email to QQ questioning threats as on payment arrangement
17/2/2012 - Response from QQ that their records indicate payment not made in over 70 days
17/2/2012 - Email to QQ providing evidence payments made (recorded delivery)
17/2/2012 - Response from QQ that their records indicate payment not made since Nov 2011 and its up to me to find where they have gone!
17/2/2012 - Further Email to QQ providing evidence payments made (recorded delivery and cashed Postal Order numbers)
17/2/2012 - Response from QQ that being investigated and will be updated in 3-7 working days
18/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/2/2012 - Another email from QQ saying thankyou for contacting to pay by cheque and enclosing cheque instructions!
24/2/2012 - Another email from QQ refusing continued agreed payments and demanding balance over 12 months
27/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
28/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
28/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
3/3/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/6/2012 - Response back to QQ - restating payment plan and requesting they accept it
23/6/2012 - Response from QQ - Collection activity will continue unless acceptable payment arrangement made
23/6/2012 - Further email from QQ offering to accept payments over 9 months
23/6/2012 - Further Response back to QQ - enclosed I/E showing what I can afford and disputing balance due to lost payments
25/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
25/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
5/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
5/7/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
6/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
13/7/2012 - Email from QQ notice of deferral to 3rd party debt collectors
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
8/11/2013 - Email from QQ - Account 60 days overdue
12/11/2013 - Email from QQ - Account 60 days overdue
14/11/2013 - Email from QQ - Account 60 days overdue

*Sigh*

Another email from Quickquid. It would appear that my account has been recycled back into the automated email mixing pot. I've found the time to update the thread with the previous email history so am expecting soon to get an email from their 'final resolution team'!

I guess a year of silence isn't too bad, though they've done nothing to address the issues in the complaint (other than ignore it), so they're not off to a good start!

Best
SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Nice one......

Well done SnV

A nice small Christmas present.

Thanks everyone! - A nice small Christmas present indeed! With my other IF account being confirmed UE by them also my 'relationship' with them is at an end (shame!)

I don't spend £ 150 on presents......

LOL - I think IF have a little bit more than that though!

[Deepie]

Re: The SaltnVinegar UE Diary

A nice small Christmas present.

I don't spend £ 150 on presents......

[cymruambyth]

Re: The SaltnVinegar UE Diary

A nice small Christmas present.

[IF]

Re: The SaltnVinegar UE Diary

Well done SnV

[Deepie]

Re: The SaltnVinegar UE Diary

Nice one......

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Halifax/IF:

• Type of account - Current Account/Overdraft
  
  
• Date commenced - Years and years ago!
  
  
• Approx balance - Approx £150
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - No DN received. Default registered with CRA August 2009
  
  
• Account owner - Wescot

14/11/2013 - Letter from IF - account written off - balance £0 - account closed

So first and last update on this account. Received a letter today from IF that the account has been written off and that the balance is now £0!

Only a small balance I know, but a small victory and some welcome news which makes a change from the usual increase in harassment this time of year!