The SaltnVinegar UE Diary

[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 - Can't remember getting a DN. No default registered with CRA's (showing 6 months late payment markers).
  
  
• Account owner - Wescot

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
1/12/2012 - CCA response from Wescot
3/12/2012 - CCA sent to Niddy

Word back from Niddy is no prescribed terms so currently:



19/12/2012 - Missing Prescribed Terms letter sent to Wescot
5/1/2013 - Letter from Wescot - Account is on hold
14/2/2013 - Letter from Nelson Guest & Partners Solicitors
22/2/2013 - Letter from Black Horse stating account has now been passed to Mackenzie Hall
21/3/2013 - Letter before action from Mackenzie Hall
21/3/2013 - Double whammy to MH - Missing Prescribed Terms and Sold In Dispute
30/3/2013 - Letter from Mackenzie Hall - account on hold
5/4/2013 - Letter from Mackenzie Hall containing CCA but no prescribed terms (same single page Wescot sent back in December '12)
8/4/2013 - Letter from Mackenzie Hall containing CCA but no prescribed terms (same single page Wescot sent back in December '12)
15/4/2013 - Missing Prescribed Terms letter sent to Mackenzie Hall
19/4/2013 - Letter from Mackenzie Hall containing CCA but no prescribed terms (same single page they sent twice earlier this month)
25/4/2013 - Letter from Mackenzie Hall - account on hold for 40 days
10/5/2013 - Letter from Mackenzie Hall (I assume), containing exactly the same as had been sent before but this time with a statement of account
5/8/2013 - NoA from Black Horse that account has been sold to Cabot
5/8/2013 - Introductory letter from Cabot (in same letter as NoA letter!)
5/8/2013 - Account Sold In Dispute sent to Cabot
5/10/2013 - Letter from Cabot - threat-o-gram

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.

[xenaphon1970]

Re: The SaltnVinegar UE Diary

Read this tonight SnV, never laughed so much for a while, I have a load of UE accounts which have gone quiet, I was lucky all mine seemed to have got sold to Crabot, me and them have a lovely relationship, my letters always start with, now to stop wasting your time and mine here is the letter confirming that OC cannot/ have not got / CCA. Then they come back with there template yes we can't enforce but you remain liable for the debt please make us an offer. My final response, I have passed your letter to my pet West Highland Terrier in my legal desk to the right of mine and she say's to offer £0.00.

Unlike you SnV I came straight on to the web sites to just brush up on consumer law. I worked for many years in the Financial Services investigating the miss-selling of pensions and endowments, what a blooming scandal mate, there was very few I could not uphold. Years of studying for qualifications and then when on the job I was so demoralized seeing such skulduggery one that comes to mind and never leaves me is that of Financial Adviser selling a term assurance policy to pay back a interest only loan. Yes it happened, glad to say even my bosses did not want to argue that one, paid the outstanding mortgage for the old couple straight away. Think they wanted to keep out of the public light. Went back into the NHS and have not looked back since. As for my debts after splitting from ex, I went straight for the UE if the OC sold them off or played hardball. Now I have a couple that I have CCA this week, like you I miss my sparring with the DCA's. So we shall see what Crap 1 and Mint come back with. Both pre-2007, so will get them off to Niddy as soon as they come.
Good read mate and your diary will give people the incentive to take on these barstewards.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Great Result.

nice one SnV - virtual beer coming over to you now.

Well done SnV

Great news, carry on fighting!

I do love good news on here, it makes my day. Well done SnV

Thanks everyone - was certainly a change to the usual threat-o-grams.

[IF]

Re: The SaltnVinegar UE Diary

I do love good news on here, it makes my day. Well done SnV

[cymruambyth]

Re: The SaltnVinegar UE Diary

Great news, carry on fighting!

[Pixie]

Re: The SaltnVinegar UE Diary

Well done SnV

[SA Gold]

Re: The SaltnVinegar UE Diary

nice one SnV - virtual beer coming over to you now.

[Still Waving]

Re: The SaltnVinegar UE Diary

Great Result.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Great news....

Thanks Deepie - certainly is! It'll be better news if I can make this a precedent and open up another tin of worms for Lowell to deal with

[Deepie]

Re: The SaltnVinegar UE Diary

Great news....

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Great Universal (Shop Direct):

• Type of account - Catalogue Account
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - Approx £300
  
  
• Date last full payment - August 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received. Default registered with CRA Feb 2011.
  
  
• Account owner - Lowell

20/7/2013 - Introduction letter from Lowell
3/8/2013 - Threat-o-gram from Lowell
3/8/2013 - CCA request sent to Lowell
23/8/2013 - Threat-o-gram from Hampton Legal
23/8/2013 - SWID letter sent to Lowell
20/9/2013 - Letter from Lowell - Account on Hold
1/10/2013 - Letter from Lowell - Account closed!!

Morning AAd'ers!

Some good news from Lowells today! This was my test case on challenging the charges that Shop Direct apply to accounts before selling them off to people like Lowells. As some of you who have followed my posts here on AAD may know I have queried the lawfulness of applying certain charges such as 'being unable to speak to you via telephone'.

So this was a 'test case' because I challenged these charges with Lowell, as well as mixing it in with a SWID template letter. A bit of a one off special to test the water and it has had a result!

Today I have received a letter from Lowell stating that while they believe that a debt may exist and is due, I quote:

"In view of your comments we are closing your account with immediate effect and all information recorded with credit reference agencies will be removed"



Now if you thought a debt 'may' exist and is due why would you go to the additional effort of removing CRA entries?........

So I think I will also challenge the lawfulness of the charges applied to the other Shop Direct accounts I have. Fortunately they were stupid enough to send me letters for each account informing me they were applying charges because they could not contact me by telephone.

Watch this space........

SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Great Universal (Shop Direct):

• Type of account - Catalogue Account
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - Approx £300
  
  
• Date last full payment - August 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received. Default registered with CRA Feb 2011.
  
  
• Account owner - Lowell

20/7/2013 - Introduction letter from Lowell
3/8/2013 - Threat-o-gram from Lowell
3/8/2013 - CCA request sent to Lowell
23/8/2013 - Threat-o-gram from Hampton Legal
23/8/2013 - SWID letter sent to Lowell
20/9/2013 - Letter from Lowell - Account on Hold

Brief update on this - account on hold by Lowell.

I find it funny also that in their letter they state that they enclose a copy of the complaints procedure (which of course there is no such copy). I guess this shows what they think of their complaints procedure!

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

Seems its on an Arrangement - or that's the PDL's way of keeping harmful data longer than necessary. It should be a D within 6 months of non payment. I'd complain to the CRA and tell then you're in no arrangement, you're not paying and havent in over 2 years and then accuse the data controller (PDL) of fiddling the entry to cause harm and demand the data processor (the CRA) sorts the error.

Hello mate - just copying a response you put in another thread rather than hijacking that one. I have a similar issue with Amex (see CRA entries below). I stopped making payments in June 2012. You can see that since then they have been recording payments as 4 months late for the last 15 months. Its an obvious attempt at keeping harmful data on my record.



Only concern I have is should I raise the issue with the CRA then would this then flag anything with Amex?

I guess the issue is that even if they stay quiet for the next 2 years, as long as they haven't issued a default with the CRA then its of no benefit to me (apart from being SB?)

So should I wait for the debt to become SB and then challenge the CRA data? Or is it worth challenging it now?

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Good idea.

Thanks matey - I'm not going to remind them I'm still here!

But I also have had fun with Freds and Farter Carter before - litte bit older/wiser now so won't be so much of a pushover this time (e.g. allowing Mr Carter to make 2 claims on a debt, one for his charges, and then the other for outstanding balance).

[Never-In-Doubt]

Re: The SaltnVinegar UE Diary

Good idea.