The SaltnVinegar UE Diary

[Enforcer]

Re: The SaltnVinegar UE Diary

Congratulations, now past the 3 year mark with LLoyds TSB and Crapital One.

[greymatter]

Re: The SaltnVinegar UE Diary

Light at the end of the tunnel

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Happy Birthday dear diary and SnV here's definitely to another 12 months

Thanks IF!

[IF]

Re: The SaltnVinegar UE Diary

Happy Birthday dear diary and SnV here's definitely to another 12 months

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

HAPPY BIRTHDAY TO YOU.....
HAPPY BIRTHDAY TO YOU.....
HAPPY BIIIRTHDAAAAY DEAAAAAR UE DIAAARY!
HAPPY BIRTHDAY TO YOU!!!!!



One year ago last month, after getting fed up with continuous harassment despite being on a DMP and having payment agreements with all my creditors, I decided to cease all payments.

One year today I started recording this journey on this UE diary.

For anyone that's considering this - after the initial flurry of letters, I have received LESS harassment from creditors than when I was on my DMP.

You only have to look at the 1st page and the colored updates to see the communication I have had (or not) from creditors since I have taken the UE route.

I know there is a long way to go still but I am much happier and feel in more control of the situation.

Many thanks to Niddy and crew, and all the forum members who are in this together and sharing their experiences.

Heres to another 12 UE months!

Best
SnV

[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

Update - as above. Freds have put the account on hold while they wait instructions from their client.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Thanks everyone - SWID it is

[SXGuy]

Re: The SaltnVinegar UE Diary

Sorry, hadnt followed the past history, yes send the SWID letter save the LBA for BC.

[MrsD]

Re: The SaltnVinegar UE Diary

Is this the first time Fred's have wrtten, if so the send of the sold in dispute, Niddy has put a lot of thought into the templates so easiest to follow the pattern. The numpties at Fred's don't know this is in dispute, they just come in hard to try and frighten you, so just tell em it's in dispute and we'll go from there.

[Pixie]

Re: The SaltnVinegar UE Diary

If it were me, I would send SWID.

Bryan Carter can be trigger-happy but I've seen them off on a couple of occasions.

[Still Waving]

Re: The SaltnVinegar UE Diary

Not the SWID letter, thus saving the LBA response for BC if they subsequently write ??

[SXGuy]

Re: The SaltnVinegar UE Diary

Id send the LBA if it were me.

[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

Hi All

Lowell ramping up the pressure a little. I have the following today from Fredrickson International.

I've been a bit lax in responding to this one, so not sure which response to give them. I could assume this as a LBA and use the 'defective LBA' template.

Or perhaps sold in dispute?

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

I'm having a similar experience with LTSB. CCA request sent last August, and we are going around in circles. Their latest agent (Moorcroft) suspended the account 27/02 to liaise with client, and so far I have heard nothing since.

Hi DnW

Thats really useful info thanks! It seems to be causing them some difficulty in how to deal with the request - they only have to read the relevant section of the CCA and they 'should' know what to send - but of course they don't have anything to send so probably don't want to risk opening a can of worms!

Best
SnV

[Still Waving]

Re: The SaltnVinegar UE Diary

Hi All

Moorcroft have suspended the account while they liaise with Lloyds TSB.

Funny thing about this is that they have not made a single attempt to try to comply with the request in my letter.

This suggests that either they are totally confused as to what it is they should be sending, or, they realise that this could open up another tin of works similar to PPI so they don't want to comply.

I'm having a similar experience with LTSB. CCA request sent last August, and we are going around in circles. Their latest agent (Moorcroft) suspended the account 27/02 to liaise with client, and so far I have heard nothing since.