The SaltnVinegar UE Diary

[Still Waving]

Re: The SaltnVinegar UE Diary

If it was me in this situation I would not pay them £1. Firstly, it is not appropriate for the type of request you are making, and may just give them an excuse to claim that you were requesting information under Sections 77-79 which do not apply. Also, if this case was ever to end up in a court, you would have to explain why you had sent a fee which did not apply. It is much better to stick to the exact letter of the law.
SH

Not only that, Apex would be just as likely to apply your £1 to the account, as they did with me, as the OC claims that the account doesn't fall under CCA 74. Still trying to get my £1 off the account.

[ScabHunter]

Re: The SaltnVinegar UE Diary

Not only that, Apex would be just as likely to apply your £1 to the account, as they did with me, as the OC claims that the account doesn't fall under CCA 74. Still trying to get my £1 off the account.

Yes, EXCELLENT point, and one which I had completely overlooked. While the risk is minimal, as it is easy to prove that the funds were submitted as a statutory fee, it is still aggravation you can well do without.

SH

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Not only that, Apex would be just as likely to apply your £1 to the account, as they did with me, as the OC claims that the account doesn't fall under CCA 74. Still trying to get my £1 off the account.

Yes, EXCELLENT point, and one which I had completely overlooked. While the risk is minimal, as it is easy to prove that the funds were submitted as a statutory fee, it is still aggravation you can well do without.

Thanks both - don't worry they won't be getting any £ off me just yet!

I am in the process of putting all my paperwork in order and have come across some old correspondence.

Once they have picked themselves up off the floor with this one I am going to hit them with an unfair charges dispute which I have been adding up come to over half the alleged balance.

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 - Defaulted, but can't remember getting a DN
  
  
• 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

Letter from Nelson Pest today - identical to the one received last October!

I am wondering, if things did ever go to court, could producing the generic template threat letters being sent a few months apart be used against them to show them that they were not actually addressing the elements of my complaint?

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Additions (Shop Direct):

• Type of account - Catalogue Account
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - Unknown, no statement received in 2 years
  
  
• Date last full payment - August 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received
  
  
• Account owner - Capquest

Key:
Blue - Communication Sent
Red - Communication Received

14/9/2012 - Letter received from Scotcall
3/10/2012 - Doorstep Collection Letter received from Scotcall
8/10/2012 - Template letter sent for Doorstep Collections
10/10/2012 - Response from Scotcall regards doorstep template
14/2/2014 - Letter from Scotcall full of complete drivel

Letter from Scotcall pretty much begging me to call them because they're caring fluffy people who will be sympathetic to any financial difficulty I may be in.

I'm going to hit them with a CCA request and the complaint regards the charges applied to the account.

Should keep them busy for a little while.

Best
SnV

[nanna58]

Re: The SaltnVinegar UE Diary

Good luck my shop direct said they could not privide a cca not heard since, xx

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Good luck my shop direct said they could not privide a cca not heard since, xx

Thanks Nanna

6 weeks and counting since I sent a CCA request for Littlewoods. I am hoping this one is going to be the same.

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
  
  
• 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

Morning all - great letter and news from Lowells today! (but not for them ) as follows:

Dear SnV

We refer to your recent request for a copy of the original credit agreement for this account.

After liaising with Shop Direct in an effort to obtain this document we have been advised that it is no longer available due to the length of time since this account was opened with you.

We are closing your account.

At this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy of the agreement is received at some point in the future from Shop Direct.

So result for me! Currently the account is



This is a letter I will be keeping very safe!

What do you think the odds are that Shop Direct will come back with a copy of the agreement? I'd also suggest that the amount of money that Lowell paid for the debt they have probably broken even with the payments they received while I was on my DMP so I'm hoping that they have decided to cut their losses and not bother chasing a lost cause.

Thanks to everyone for the support so far through my UE journey, another UE account has bitten the dust

Best
SnV

[tastyjane]

Re: The SaltnVinegar UE Diary

Great news - that name makes my blood run cold at the moment so particularly delighted for you

By the way; your user name makes me think of chipsticks and I'm so hungry.

Jane x

[SA Gold]

Re: The SaltnVinegar UE Diary

Nice one SnV, result!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Great news - that name makes my blood run cold at the moment so particularly delighted for you

By the way; your user name makes me think of chipsticks and I'm so hungry.

Jane x

Nice one SnV, result!

Thanks both - its great to kick another account into touch.

Jane - you've found a great forum here, stick with things and you'll start getting results too (as you've found ).

[IF]

Re: The SaltnVinegar UE Diary

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

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

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

Thanks IF.

This bodes well for the other Shop Direct accounts too I'm hoping. I'm going to get a CCA request off for the account that Scotcall are chasing and see if that comes back with the same result.

[greymatter]

Re: The SaltnVinegar UE Diary

Good news SnV
GM

[vint1954]

Re: The SaltnVinegar UE Diary

Well done S&V