The SaltnVinegar UE Diary

[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

Not had opportunity yet to get to P.O. to send off the harassment and SWID letters yet, but Moorcroft have managed to sneak another phone call in, which although was blocked, they still were able to leave a voicemail message. Still thats fine - if they then want to deny they've ever called me (as did Capquest!) I have the evidence to prove otherwise.

[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

Grrrrrrrrr

Call to my mobile last night - I didn't hear it but a voice message was left and it was a very stern sounding lady calling from MDR which we all know is Moorcroft.

Now I sent a letter many moons ago (before my UE diary days) asking for all phone numbers to be removed and not to call me so they have obviously not done this. I currently have 3 accounts with these scumbags but this is the only account where the OC had obtained my mobile number so assuming its this account.

I'm not worried about the phone calls, I can deal with them fine (and I have the ability to block their number also which I've already done, but no doubt they will call from several), but I am going to nip this in the bud asap.

Am going to send Pauls telephone harassment special letter along with a SWID letter just to rub it in a little more.

Best
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

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 90 days overdue
12/11/2013 - Email from QQ - Account 90 days overdue

Another email from QQ - you can tell that Xmas is just round the corner - obviously increasing their activity!

[Bricktop]

Re: The SaltnVinegar UE Diary

Yeah but I am basing it on how long it took me to get rid of them the last time.

They are like a dog humping your leg, no matter how much you try and shake them off the little blighters hang on in there for as long as possible

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

You noticed that we both had the same letters from Moorcroft for Amex on the same day, I was just reviewing my own diary when I saw a post from you in there from October last year where the UCA ones hit us both at the same time as well.

Shall we say a virtual pint is the wager on who gets to bin Moorcroft off first and gets the next set of bottom feeders ?

My estimate is that it will take me 5 months to get rid of these and for the next crowd to come out from whatever rock they are under, do you think you can do better ?

it is!

I think you're being pessimistic with 5 months - I was hoping to get them to drop the account a LOT quicker than that!

[Bricktop]

Re: The SaltnVinegar UE Diary

You noticed that we both had the same letters from Moorcroft for Amex on the same day, I was just reviewing my own diary when I saw a post from you in there from October last year where the UCA ones hit us both at the same time as well.

Shall we say a virtual pint is the wager on who gets to bin Moorcroft off first and gets the next set of bottom feeders ?

My estimate is that it will take me 5 months to get rid of these and for the next crowd to come out from whatever rock they are under, do you think you can do better ?

[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

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 90 days overdue

Ooooer QQ have sent me an email:

"This email is to remind you of your severely overdue loan with QuickQuid.

Payment on this loan needs to be made immediately.

If we do not receive a response, we will take that as a refusal to pay and will take appropriate collections measures which include, but are not limited to, the use of a third party collections agency.

We value you as a customer and would like to help you resolve this matter.

Currently, your balance is £xxxxx and FULL PAYMENT MUST BE MADE IMMEDIATELY as your account is over 90 days past due.

Please understand that this message is very urgent and requires immediate attention. Please contact us immediately to resolve this matter.

We have already sent you in the post a statutory default notice and Office of Fair Trade leaflet as required by the Consumer Credit Act 1974."

I just love the blatant lies - at no point have I received a DN, and infact the letters sent to Arc Europe and Trevor Munn requesting they demonstrate such was met with stonewall silence which says everything.

As their last 3rd party collections agency dropped the account and I haven't heard from them for a year I am assuming this is the usual end of year chase up. They are going to be met with silence until I get something in the post.

Best
SnV

[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

And the usual bovine excrement from Moorcroft has arrived. 7 days to pay in full, may recommend to client to consider further recovery action blah blah

[SA Gold]

Re: The SaltnVinegar UE Diary

My experience of Moorcroft is they are completely incompetent and will go running at the first sign of UE so looking forward to their introduction letter.

My understanding of Moorcroft is most of their staff are sourced from a Circus

Get the popcorn ready and as you say let the entertainment commence!

[Pixie]

Re: The SaltnVinegar UE Diary

First update on my diary for a while!

Letter today from Amex saying my account has been referred to Moorcroft. My experience of Moorcroft is they are completely incompetent and will go running at the first sign of UE so looking forward to their introduction letter.

Let the games begin!

Yes, they've run away pretty quickly on a couple of mine.

[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

First update on my diary for a while!

Letter today from Amex saying my account has been referred to Moorcroft. My experience of Moorcroft is they are completely incompetent and will go running at the first sign of UE so looking forward to their introduction letter.

Let the games begin!

[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 - FirstSource Solutions
  

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

Letter today from IF rejecting my complaint, although confirming that they have asked Capquest to remove my telephone number from their systems (though not First Source I noticed).

So putting aside the fact its taken them 6 months to respond to my last letter, they have completely missed the point that they have sent me a letter admitting they don't have a CCA, and that they cannot enforce!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

It's great how many illiterate people are employed by Cabot

Oh yes - I can imagine the mad panic that set in after the SWID letter was received, so they thought "lets wait two months and then send a threat-o-gram pretending we never received it".

[Still Waving]

Re: The SaltnVinegar UE Diary

Letter received from Cabot - disappointed I haven't contacted them (despite letter of 5/8 been sent recorded delivery so I can prove I have), need to contact them urgently to discuss the account, failure to do so will result in further collection activity blah blah blah.

I think I'll respond with a simple one liner referring them to the SWID letter.

That's what I would do too.

[cymruambyth]

Re: The SaltnVinegar UE Diary

It's great how many illiterate people are employed by Cabot