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
21/3/2012 - 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

Update on above. Today I have a letter which I assume is from Muck Hall. I say assume as there is no covering letter enclosed to say who it is from!

What I have received is part of a CCA missing prescribed terms exactly the same as they have sent at least three times before.

The only thing that is different is that this time they have enclosed a 'statement of account' which shows some payments.

What is VERY naughty is that I have noticed that they have used the payment made for the CCA request as a payment to the account.

So I need two letters:

1) How do I inform these idiots that they haven't complied with my request (again), or shall I jut send the final response letter?:

Final Response - UE (No CCA Received) - allaboutDEBT UK

2) A letter demanding that they remove the payment made for the CCA request from the account?

Best
SnV

[Paul.]

Re: The SaltnVinegar UE Diary

LOL thanks Paul I don't think I will be consenting to allowing them to change the terms of the original contract

Will be reading through it with fine tooth comb next couple of days to see exactly what it states in terms of charges.

Best
SnV

It will be interesting to see what the contract says indeed.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

the only way around that is by consent and id suggest you do not consent to nowt

LOL thanks Paul I don't think I will be consenting to allowing them to change the terms of the original contract

Will be reading through it with fine tooth comb next couple of days to see exactly what it states in terms of charges.

Best
SnV

[Paul.]

Re: The SaltnVinegar UE Diary

Yes may do that anyway as I cannot see anything in the agreement that allows them to add a charge to my account because they couldn't contact me via telephone!

Best
SnV

The terms of the original contract govern how it progresses, so they cannot add charges if the original didnt allow it, nor can they vary the terms without the contract allowing them to or add new terms etc

the only way around that is by consent and id suggest you do not consent to nowt

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

If it were me option 2....... And see what they send next.

Yes may do that anyway as I cannot see anything in the agreement that allows them to add a charge to my account because they couldn't contact me via telephone!

Best
SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

if the debts over £750, knowing lowells it will be a statutory demand via their process server

they are quite aggressive but are also fairly easily beaten too

Hi Paul

I made a payment just before Xmas so its literally a few pennies under £750 to prevent that from happening.

I guess theres nothing stopping them adding some spurious charges to push it back over the BR threshold though.

Cheers
SnV

[Paul.]

Re: The SaltnVinegar UE Diary

if the debts over £750, knowing lowells it will be a statutory demand via their process server

they are quite aggressive but are also fairly easily beaten too

[Deepie]

Re: The SaltnVinegar UE Diary

BUGGER!!!!!!

So after stating that SD couldn't find an agreement and the account was closed today Lowell have sent me a copy agreement.



Next bit of bad news is its post April 2007 too

So just thinking of my options:

1) Wait for Lowells next move (or threat-o-gram)
2) Continue playing the UE game and send a missing PT letter
3) Argue the unlawful charges (at least 50%)
4) F&F offer

If it were me option 2....... And see what they send next.

[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!

BUGGER!!!!!!

So after stating that SD couldn't find an agreement and the account was closed today Lowell have sent me a copy agreement.



Next bit of bad news is its post April 2007 too

So just thinking of my options:

1) Wait for Lowells next move (or threat-o-gram)
2) Continue playing the UE game and send a missing PT letter
3) Argue the unlawful charges (at least 50%)
4) F&F offer

[Never-In-Doubt]

Re: The SaltnVinegar UE Diary

Sounds about right for these plebs mate

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Seems like a plan

I hope so

Their last letter said that I would be issued court papers with no further communication from them.

That didn't happen so looks like they know they are on a losing battle........

[Never-In-Doubt]

Re: The SaltnVinegar UE Diary

I may also remind them that as they are still threatening legal action I am requesting the CCA under CPR protocols as they would have to rely on this document in court.

Best
SnV

Seems like a plan

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Kays (Shop Direct):

• Type of account - Catalogue Account
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - £376
  
  
• 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 - Capquest

Key:
Blue - Communication Sent
Red - Communication Received

21/7/2012 - Letter received from Capquest, threatening litigation, but also making a 25% payment offer
31/8/2012 - Letter received from Capquest, Account On Hold for 30 Days
17/4/2013 - Letter before Action from Capquest
17/4/2013 - LBA response and 2nd CCA request sent to Capquest
1/5/2013 - Letter from Capquest offering me a 'one time solution' to settle the account

Well the LBA response I sent to Capquest seems to have made them back off a little. Got another template threat-o-gram offering me a 'one time solution' to settle the account and a payment plan.

Still no CCA response from them so think I may send the following but tweaked as I have not paid them anything anyway!

CCA Reminder - Unenforceability Threat - allaboutDEBT UK

I may also remind them that as they are still threatening legal action I am requesting the CCA under CPR protocols as they would have to rely on this document in court.

Best
SnV

[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
21/3/2012 - 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

Looks like my letter of 15/4 and theirs of the 19/4 crossed in the mailroom as today get a letter from Muck Hall stating account is on hold for 40 days while their client looks for the credit agreement.

As they've had 4 bites of the cherry I won't give them much hope of getting this, but will wait and see.......

Best
SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

I would...

You could always make a poker deck of appo forms. You'd have four of a kind and a bloody good chance of winning.

It honestly doesn't matter what you send, because they will just completely ignore it anyway. This is Muck Hall, the bottom of the DCA sewer.

If it was me, I'd just save the postage and wait for the next clownogram, but you could send either the template you mention, or just a one liner referring them back to the Missing PT letter.

SH

I agree, they will keep on trying. Very unlikely to do anything other than threaten. It's a game that they cannot win. Learn to play the game.

Thanks all. I'll sleep on it and see whether I can be bother to waste the ink and postage on a response. As I have '10 days' to respond (as per usual) think I'll make them sweat on it a bit!