The SaltnVinegar UE Diary

[MrsD]

Re: The SaltnVinegar UE Diary

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

Newmans?
Moorcroft?
Capquest?
Allied International Credit?

mine went to Moorcroft who promptly admitted there was no paperwork and closed the file! So you can hope.................

[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!
13/11/2012 14:38 - Telephone call from Capquest

So despite getting the telephone harassment at work letter I have a missed call from Capquest today.

I think I will wait and see if I get another one, then I will send the slightly more heavily worded template letter.

Stupid idiots cannot deny calling either as they are going through my employers main reception number

[vint1954]

Re: The SaltnVinegar UE Diary

So despite getting the telephone harassment at work letter I have a missed call from Capquest today.

I think I will wait and see if I get another one, then I will send the slightly more heavily worded template letter.

Stupid idiots cannot deny calling either as they are going through my employers main reception number

Niddy will beef one up for you, or complain to the OFT

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Niddy will beef one up for you, or complain to the OFT

Hi Vint

As Capquest are calling my work number, and so consequently preventing me from carrying out my duties while at work, I am considering framing a letter along the lines of the next time they call me at work they will incur a charge of £20. If the person calling me claims that they have received no correspondence requesting they do not call me at work this will incur an additional £10 charge.

I think I could justify this on the basis of preventing me from carrying out my duties, the considerable effort in answering their calls when they have been asked to put all correspondence in writing etc.

I'll then invoice them for their calls, and when they don't pay I will start court proceedings against them.

At least thats my thought atm!

[Deepie]

Re: The SaltnVinegar UE Diary

Hi Vint

As Capquest are calling my work number, and so consequently preventing me from carrying out my duties while at work, I am considering framing a letter along the lines of the next time they call me at work they will incur a charge of £20. If the person calling me claims that they have received no correspondence requesting they do not call me at work this will incur an additional £10 charge.

I think I could justify this on the basis of preventing me from carrying out my duties, the considerable effort in answering their calls when they have been asked to put all correspondence in writing etc.

I'll then invoice them for their calls, and when they don't pay I will start court proceedings against them.

At least thats my thought atm!

Have you seen this-----> Harassment by Telephone - Threat of Legal Action

[The Tech Clerk]

Re: The SaltnVinegar UE Diary

Send any correspondence to the C.E.O. Mark Brunault @ Capquest, and a copy to Ms A. SIMMS, Quality & Control Officer.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Have you seen this-----> Harassment by Telephone - Threat of Legal Action

Thanks I2D I hadn't. I will send that off.

I liked the idea of Capquest having to pay me money and the roles reversed, as a result of their harassment. Sort of poetic justice

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Littlewoods (Shop Direct):

• Type of account - Catalogue Account
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - Approx £750
  
  
• Date last full payment - August 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received
  
  
• Account owner - Lowell

Key:
Blue - Communication Sent
Red - Communication Received

13/8/2012 - Letter received from Lowell asking what they can do to help
21/8/2012 - Payment break letter sent
13/8/2012 - Letter received from Lowell demanding payment in full or £30 a month
3/9/2012 - Letter from Lowell suspending collection
2/11/2012 - Letter from Lowell asking me to contact them to make a payment arrangement
15/11/2012 - Letter from Lowell demanding payment in full

Letter from Lowell saying as they have not heard from me they may have to search files with the CRA's to assess their next course of action which may be to send my account to a doorstep collector or court.

Good luck to them searching my credit file!

I think this one is likely to not be UE, so think I need to tackle this from an unlawful/unreasonable charges and try to get the balance reduced and go for a F&F (£12 for not being able to contact me by phone for example. I don't recall anything being said that Shop Direct had to be able to contact me by phone, and if they couldn't they could charge me!)

[MrsD]

Re: The SaltnVinegar UE Diary

Have you sent a CCA

Shop Direct are not exactly great at recordkeeping, paperwork, rules, guidelines, decent business practice........................

[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!
13/11/2012 14:38 - Telephone call from Capquest
17/11/2012 - Threat-O-Gram from Capquest

Received the following from Capquest today:

Prior to the start of legal proceedings various checks and validations are undertaken to establish facts around your current circumstances.

During this process it has been established that there are no outstanding County Court Judgements (CCJ's) registered against you at the above address.

We are highlighting this to you as a matter of urgency. If we need to start the legal process and a Judgement is awarded against you, this may have a damaging affect on your ability to obtain credit, both now and in the future, as a Judgement will remain on your file for six years and may affect your credit score.

A Judgement may have a damaging affect on your ability to obtain credit, both now and in the future and may result in you being refused simple credit agreements, such as a mobile phone contract. A more serious consequence may be when applying for mortgages, credit cards or loans with acceptable interest rates, a CCJ registered against you will restrict the opportunities to get the most cost effective option available.

We are not seeking an immediate payment in full; we can offer many repayment methods that can be designed around your current circumstances, which may include possible settlements that will save you money. All we ask is that you make contact on 0844 249 9495 before xx/xx/xx. No contact by this date will result in your account moving forward to litigation.

Lets work on this together.

No seriously - their letter really did say 'lets work on this together'.

So considering this account is UE, and has been confirmed as such by the OC, what would be the best response to this. Bear in mind that Capquest were informed of this on 26/10/12, and were also sent a copy of the letter from the OC confirming that they do not have a copy of the CCA and will not be seeking enforcement.

I was thinking the following from the Template library:

Our Templates | Unenforceability Templates | Final Response - Unenforceability (No CCA Received)

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Have you sent a CCA

Shop Direct are not exactly great at recordkeeping, paperwork, rules, guidelines, decent business practice........................

Hi Mrs D

I haven't yet, so guess thats the next thing to do.

I suspect though that it will come back but you're right, if I don't send off a CCA request I will never know.

[Deepie]

Re: The SaltnVinegar UE Diary

Received the following from Capquest today:

Prior to the start of legal proceedings various checks and validations are undertaken to establish facts around your current circumstances.

During this process it has been established that there are no outstanding County Court Judgements (CCJ's) registered against you at the above address.

We are highlighting this to you as a matter of urgency. If we need to start the legal process and a Judgement is awarded against you, this may have a damaging affect on your ability to obtain credit, both now and in the future, as a Judgement will remain on your file for six years and may affect your credit score.

A Judgement may have a damaging affect on your ability to obtain credit, both now and in the future and may result in you being refused simple credit agreements, such as a mobile phone contract. A more serious consequence may be when applying for mortgages, credit cards or loans with acceptable interest rates, a CCJ registered against you will restrict the opportunities to get the most cost effective option available.

We are not seeking an immediate payment in full; we can offer many repayment methods that can be designed around your current circumstances, which may include possible settlements that will save you money. All we ask is that you make contact on 0844 249 9495 before xx/xx/xx. No contact by this date will result in your account moving forward to litigation.

Lets work on this together.

No seriously - their letter really did say 'lets work on this together'.

So considering this account is UE, and has been confirmed as such by the OC, what would be the best response to this. Bear in mind that Capquest were informed of this on 26/10/12, and were also sent a copy of the letter from the OC confirming that they do not have a copy of the CCA and will not be seeking enforcement.

I was thinking the following from the Template library:

Our Templates | Unenforceability Templates | Final Response - Unenforceability (No CCA Received)

That's what I would send............

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

That's what I would send............

Thanks I2D - Will print it off and get it sent on Monday.

I think Cwapquest are just clutching at straws tbh. The OC has broadsided them by admitting the account is UE and have left them to try to salvage something out of it.

If Cwapquest had really paid attention to my credit file, then they would have seen that its completely trashed already and should have come to a conclusion that credit is something I am not likely to obtain, or apply for, in the next 6 years CCJ or not! The number of defaults would have told them that

[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

Amex/UCA now in default of my CCA request.........

[vint1954]

Re: The SaltnVinegar UE Diary

Amex/UCA now in default of my CCA request.........

This is the next one to send in a little while.

http://www.all-about-debt.co.uk/temp...lity/s1-t2.php

You will need to edit the last para as you have already stopped paying.