The SaltnVinegar UE Diary

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Haha Apex strike again.

They are total loonies!

[Enforcer]

Re: The SaltnVinegar UE Diary

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.

[ken100464]

Re: The SaltnVinegar UE Diary

No you're not seeing double. The nutters at Apex have sent me the same letter twice today!

Good new though - they're referred the matter back to Lloyds TSB so will see what happens next........

Haha Apex strike again.

[ScabHunter]

Re: The SaltnVinegar UE Diary

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

[Pixie]

Re: The SaltnVinegar UE Diary

So Muck Hall simply do not seem to get it. I've now been sent a one pager on 4 separate occasions now. How many times do I keep sending the missing PT letter?!

Shall I send the UE - final response template?

I would...

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Lloyds TSB:

• Type of account - Current Account/Overdraft
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - Approx £800
  
  
• 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 June 2011
  
  
• Account owner - Collection with Apex Credit Management (still owned by Lloyds TSB)
  

Key:
Blue - Communication Sent
Red - Communication Received

26/7/2012 - Letter received from BLS Collections. One liner stating that I must contact them TODAY

1/8/2012 - Letter received from BLS Collections. I appear to be in arrears on my payment arrangement. Unless I bring my arrangement back on track within 10 days they may take further action to collect the full balance.

7/8/2012 - Sent OD CCA Request - allaboutFORUMS - View Single Post - Overdrafts - CCA Information

16/8/2012 - Letter received from BLS stating that while they control account no interest will be accruing
16/8/2012 - Letter received from BLS stating that if I wish to make a payment then could I please contact them by phone
24/8/2012 - Letter received from BLS Collections. One liner stating that I must contact them TODAY
17/10/2012 - Notice from Lloyds TSB that account has transferred to Apex Credit Management Limited for collection
17/10/2012 - Introduction letter from Apex Credit Management
3/1/2013 - Letter from HL Solicitors threatening legal action
28/1/2013 - Letter from Apex Credit Management
4/2/2013 - Home Visit Appointment letter from Apex Credit Management
4/2/2013 - Sent OD CCA Request - allaboutFORUMS - View Single Post - Overdrafts - CCA Information combined with doorstep letter template
8/2/2013 - Letter from Apex Credit Management asking for £1 fee for CCA request
9/2/2013 - Letter from HL Solicitors. It is EXACTLY the same as the letter they sent 3/1/2013 word for word!!
12/2/2013 - Sent letter pointing out that request not made under s77-79 of CCA1974 and to comply with my request
7/3/2013 - Letter from Apex Credit Management stating that as its a current account no CCA available
11/3/2013 - Notice from Lloyds TSB that account has been transferred to Apex Credit Management Limited for collection
23/3/2013 - Letter from HL Solicitors. It is EXACTLY the same as the letters they sent 3/1/2013 and 9/2/2013 word for word!!
4/4/2013 - Sent letter pointing out that request not made under s77-79 of CCA1974 and to comply with my request
19/4/2013 - Letter from Apex Credit Management stating that account on hold and referred back to client
19/4/2013 - Letter from Apex Credit Management stating that account on hold and referred back to client

No you're not seeing double. The nutters at Apex have sent me the same letter twice today!

Good new though - they're referred the matter back to Lloyds TSB so will see what happens next........

[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)

So Muck Hall simply do not seem to get it. I've now been sent a one pager on 4 separate occasions now. How many times do I keep sending the missing PT letter?!

Shall I send the UE - final response template?

[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

Well not going to hang about with this one. Response sent off to Capquest recorded delivery.

Let the game commence!

Best
SnV

[SA Gold]

Re: The SaltnVinegar UE Diary

Thats the one thanks!

No worries mate

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

You looking for this mate?

Thats the one thanks!

[SA Gold]

Re: The SaltnVinegar UE Diary

Thanks Deepie, thats not the one I was looking for (though the links really helpful). Paul did a template letter to respond to a threat of legal action that I've seen a couple of times. I had it in my favourites but typically removed it!

Cheers
SnV

You looking for this mate?

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

--------> http://forums.all-about-debt.co.uk/s...56&postcount=1

Thanks Deepie, thats not the one I was looking for (though the links really helpful). Paul did a template letter to respond to a threat of legal action that I've seen a couple of times. I had it in my favourites but typically removed it!

Cheers
SnV

[Deepie]

Re: The SaltnVinegar UE Diary

Thanks SH

I was also looking for that replay that Paul did in responding to letters before action quoting CPR and the correspondence that they will be relying upon in court.

Don't suppose you have a handy link to it do you?!

Cheers
SnV

--------> http://forums.all-about-debt.co.uk/s...56&postcount=1

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Further to the above post, I would also send a response to that letter of claim, which would incorporate a formal complaint and a request for information pursuant to the Consumer Protection from Unfair Trading Regulations 2008.

Although ss. 77-79 are important in that enforcement is prohibited while the alleged creditor remains in default of them, it is ss. 61(1)(a) and 127(3) which are the most significant (assuming that this account was opened prior to 6th April 2007 when s. 127(3) was repealed). If this is an old catalogue, it is almost certain that the paperwork will not comply, and if they claim that it does in response to CPUTR they will potentially be making a lot of trouble for themselves.

This tactic has a proven history of keeping cases out of court, and now is the obvious time to be using it. Unlike the CCA request, there is no hurry to get this letter sent. So, I would send the CCA request immediately, and then take a day or two to compose the best letter you can in response to their letter of claim.

SH

Thanks SH

I was also looking for that replay that Paul did in responding to letters before action quoting CPR and the correspondence that they will be relying upon in court.

Don't suppose you have a handy link to it do you?!

Cheers
SnV

[ScabHunter]

Re: The SaltnVinegar UE Diary

Further to the above post, I would also send a response to that letter of claim, which would incorporate a formal complaint and a request for information pursuant to the Consumer Protection from Unfair Trading Regulations 2008.

Although ss. 77-79 are important in that enforcement is prohibited while the alleged creditor remains in default of them, it is ss. 61(1)(a) and 127(3) which are the most significant (assuming that this account was opened prior to 6th April 2007 when s. 127(3) was repealed). If this is an old catalogue, it is almost certain that the paperwork will not comply, and if they claim that it does in response to CPUTR they will potentially be making a lot of trouble for themselves.

This tactic has a proven history of keeping cases out of court, and now is the obvious time to be using it. Unlike the CCA request, there is no hurry to get this letter sent. So, I would send the CCA request immediately, and then take a day or two to compose the best letter you can in response to their letter of claim.

SH