The SaltnVinegar UE Diary

[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. Default registered with CRA Feb 2011
  
  
• 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
11/12/2012 - Letter from Lowell threatening doorstep collection or possible court action
17/12/2012 - CCA Request sent
17/12/2012 - Made payment to bring balance under £750
3/1/2013 - Letter from Lowell confirming CCA request received and waiting on documents from Littlewoods
10/1/2013 - Letter from Lowell stating CCA being looked for and demanding full payment
17/1/2013 - Letter from Lowell - still looking for the CCA
20/2/2013 - Letter from Lowell - Shop Direct cannot find CCA - Account closed
4/5/2013 - Letter from Lowell enclosing CCA - account obviously not closed after all!
10/5/2013 - Letter from Lowell asking to call them
14/5/2013 - Email from Lowell demanding I call them
16/5/2013 - Letter from Lowell threatening court action or doorstep collection
23/5/2013 - Letter from RED
29/5/2013 - Email from RED
6/6/2013 - Letter from Lowell stating that I have 7 days to pay or account will be passed to Fredrickson International Ltd
1/7/2013 - Letter from Fredrickson International stating unless I pay in full they will refer my account to Bryan Carter solicitors
3/7/2012 - SWID letter sent to Freds
13/7/2013 - Letter from Fredrickson International - Account on hold
11/9/2013 - Letter from Littlewoods stating that they had investigated my complaint of 3/7/2013 and complaint is not upheld

Quick update on this - received letter from Littlewoods in response to the SWID letter to Freds. Basically saying that they consider their charges fair and that they will not offer any refund of charges.

Well considering they inflated the balance of the account by almost £300 in charges before selling the account to Lowells I think I will dispute that one.

Account has been on hold with Freds since July so I will wait until I get the next letter from them before considering my next response.

SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

I'm not sure if theres anything I can do about this as its just a way of creditors screwing you over...........

My credit report is now looking 'hunky dory' in that I have lots of defaults registered over the last couple of years. Only fly in the ointment is that I have got two creditors who seem to be playing the game and have not defaulted me to the CRA's (despite having had a DN from one of them).

So you know they are going to register a default with the CRA's at 5 years 11 months screwing me over for another 2-3 years at least.

I'm not overly bothered, but as I'd like to remortgage at some point in the next 3-4 years this is likely to make it difficult so I'm just having a rant. Just another example of creditors abusing the system to their advantage and not in the way it was intended.

SnV

[garlok]

Re: The SaltnVinegar UE Diary

Does that "Jill Senior" also clean the toilets and make the tea? That name seems to pop up everywhere and anywhere to do with the Leeds Losers.

regards
G

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

If it were me I'd be sending my own Threat o gram -----> Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks deepie - already being printed

[Deepie]

Re: The SaltnVinegar UE Diary

Threat-o-gram from Hampton Legal (inhouse Lowell) today:

[ATTACH=CONFIG]9960[/ATTACH]

If it were me I'd be sending my own Threat o gram -----> Threat by Creditor - Threat-o-Gram Letter Before Action

[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

Threat-o-gram from Hampton Legal (inhouse Lowell) today:

[Bricktop]

Re: The SaltnVinegar UE Diary

Have sent 'account sold while in dispute' letter just to set things rolling!

My favorite letter to send out to a new DCA.

Always gets the juices flowing imagining the look on the face of the drone that opens the letter to find out they have bought a pup.

[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

Well it looks like I am about to join the Cabot fan club!! NoA received today from Black Horse that account has been sold to Cabot.

Well as account is UE looks like they have bought a dud 'un!

Have sent 'account sold while in dispute' letter just to set things rolling!

SnV

[The Tech Clerk]

Re: The SaltnVinegar UE Diary

Hey mate very big lump in the cheek where tongue is residing whilst this comment was made

You have obviously read that my favourite name for this irregular guerilla (gorilla?) offshoot of the 7th Cavalry is "The Lowlifes of Leeds" Mind my NoAs all came originally from a Bristol address (not on letters) but the postmarks were Bristol.

regards
G

Distribution centre in Bristol used by a lot of companies.

[garlok]

Re: The SaltnVinegar UE Diary

reputable company ====================== WHEN???????????????????????????

Hey mate very big lump in the cheek where tongue is residing whilst this comment was made

You have obviously read that my favourite name for this irregular guerilla (gorilla?) offshoot of the 7th Cavalry is "The Lowlifes of Leeds" Mind my NoAs all came originally from a Bristol address (not on letters) but the postmarks were Bristol.

regards
G

[The Tech Clerk]

Re: The SaltnVinegar UE Diary

reputable company ====================== WHEN???????????????????????????

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Well done SnV. The Lowlifes of Leeds can be a real joke. If you remember they ran away after a couple of bits of correspondence after I sent them a s78 request and BC told them that the document no longer exists due to its age. But this threatogram really is laughable from a supposedly reputable company. l l

regards
G

Yeah they really shouldn't even be mentioning insolvency for any debt lower than £750. I know theres caveats in there, but its a breach of OFT guidelines plus their own CSA member guidelines on how letters should be written. Stupid fools! Digging a hole for themselves with this one!

[garlok]

Re: The SaltnVinegar UE Diary

Well done SnV. The Lowlifes of Leeds can be a real joke. If you remember they ran away after a couple of bits of correspondence after I sent them a s78 request and BC told them that the document no longer exists due to its age. But this threatogram really is laughable from a supposedly reputable company. l l

regards
G

[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

Threat-o-gram received today from Lowells. I've attached it below for your amusement. No prizes are being awarded, but see if anyone can spot the serious flaws in their threats!

[Tinkers78]

Re: The SaltnVinegar UE Diary

Congrats SaltnVinegar