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 - 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
22/2/2013 - Letter from Black Horse stating account has now been passed to Mackenzie Hall

Well looks like Wescot have thrown in the towel on this one

Letter today from Black Horse:

Your agreement has now been referred to Mackenzie Hall Ltd to act on our behalf for collection of the overdue amount. Any further payment or contact regarding your agreement should now be made to:

Mackenzie Hall Ltd
Unit 1a
58 Portland Street
Kilmarnock
KA1 1JG

Well I don't see Mackenzie Hall getting any further than Wescot did!

I've not had dealings with this bunch before (though have read plenty about them), so considering that Black Horse have already stated "to act on our behalf" I'll be interested to see if they misrepresent their legal position when it comes to threatening court action!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

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

Good news SnV
GM

Well done S&V

Thanks All

It was great to get that letter as SD probably were one of the most cynical of creditors when it came to bumping up the charges and balance over a long period despite knowing I was in financial difficulty.

Irony is that if they had played ball and been reasonable when I contacted them it would never have come to this and the balance would probably have been paid off by now.

Best
SnV

[oldyboy]

Re: The SaltnVinegar UE Diary

Thanks All

It was great to get that letter as SD probably were one of the most cynical of creditors when it came to bumping up the charges and balance over a long period despite knowing I was in financial difficulty.

Irony is that if they had played ball and been reasonable when I contacted them it would never have come to this and the balance would probably have been paid off by now.

Best
SnV

That's what I find so weird too- if creditors were more flexible they'd probably still get paid off, albeit a bit late, as opposed to upsetting us with their tactics and so get sod all!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Halifax/IF:

• Type of account - Credit Card
  
  
• Date commenced - Years and years ago!
  
  
• Approx balance - Approx £800
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying (already established UE)
  
  
• Status - Defaulted though no DN received
  
  
• Account owner - Firstsource Solutions UK Limited
  

Key:
Blue - Communication Sent
Red - Communication Received

2/5/2012 - CCA Request Sent
7/6/2012 - Letter from Halifax/If stating that they cannot find my credit agreement and will not try to enforce the agreement while they try to find it
June 2012 - Numerous letters from Wescot making threats
2/7/2012 - Letter to Wescot - Account Sold While In Dispute
7/10/2012 - Letter from Halifax/If stating account transferred to Capquest
19/10/2012 11:05 - Telephone call from Capquest
25/10/2012 - Introduction letter from Capquest
26/10/2012 - Letter to Capquest - Account Sold While In Dispute
26/10/2012 08:50 - Telephone call from Capquest
29/10/2012 - Letter to Capquest - Telephone harassment at work letter
2/11/2012 - Letter from Capquest asking for £1 for CCA request!
13/11/2012 14:38 - Telephone call from Capquest
17/11/2012 - Threat-O-Gram from Capquest
21/11/2012 - Letter to Capquest - Our Templates | Unenforceability Templates | Final Response - Unenforceability (No CCA Received)
1/12/2012 - Letter from Howard Cohen Solicitors stating that court action may be taken
10/12/2012 - Another Letter to Capquest - Our Templates | Unenforceability Templates | Final Response - Unenforceability (No CCA Received)
17/12/2012 - Letter from Capquest acknowledging complaint and stating account is on hold
17/12/2012 - Letter from Capquest offering reduced settlement figure
5/1/2013 - Letter from Capquest responding to complaint
23/1/2013 - Letter from IF rejecting complaint
23/2/2013 - Letter from Halifax/IF giving NOA

Hi All

Looks like Capquest have thrown in the towel on this one as I have received a NOA from Halifax:

Dear SnV

As we haven't been able to agree a suitable repayment plan, we've transferred your IF Credit Card to a debt collection agency (DCA). We've instructed Firstsource Solutions UK Limited to arrange collection of the outstanding amount.

Also included in the envelope was an introduction letter from Firstsource Solutions.

Well as I have a letter from IF confirming they cannot find the agreement they are going to get short shrift from me!

I'll be sending them the 'Letter previously confirming no CCA' and let them suck on that:

Our Templates | Unenforceability Templates | CCA Query - Letter Previously Confirming No CCA

I've never even heard of 'Firstsource Solutions UK Limited'. There certainly seems to be very little on the usual forums after doing a quick google search so looks like a new 'player' is trying to enter the market.

Will be interesting to see what BS they try on..........

Best
SnV

[The Tech Clerk]

Re: The SaltnVinegar UE Diary

Firstsource Solutions UK Ltd

Services: Consumer Debt Collection

Contact: Mr Rob Rome

Email: rob.rome@firstsource.com

Website: Firstsource – Business Process Outsourcing | Global BPO Services


Telephone: 0208 237 4500

Address: Space One, 1 Beadon Road, London, W6 0EA

[ken100464]

Re: The SaltnVinegar UE Diary

S&V

There are a couple of members on here who have heard from them. Think in relation to Lloyds OD's. But for the life of me cant remember which members it was.

We were looking for these guys back in December so as you say seem quite new. Belfast address I think we concluded and they are a global outsourcing outfit with debt collection just a small pat of their interests.

Dont recall much more than the assignment notice tbh. So same boat as you.

[ken100464]

Re: The SaltnVinegar UE Diary

Mrs Scarednshakin and Malumates are the two.

The search bar on here pulls up the threads.

As I thought Lloyds OD's and Belfast.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Thanks everyone. Looks like they have fingers in lots of pies. Well they're not going to get much traction if they're going after accounts that are UE where a creditor has admitted they can't find the CCA!

Firstsource Solutions UK Ltd

Services: Consumer Debt Collection

Contact: Mr Rob Rome

Email: rob.rome@firstsource.com

Website: Firstsource – Business Process Outsourcing | Global BPO Services


Telephone: 0208 237 4500

Address: Space One, 1 Beadon Road, London, W6 0EA

S&V

There are a couple of members on here who have heard from them. Think in relation to Lloyds OD's. But for the life of me cant remember which members it was.

We were looking for these guys back in December so as you say seem quite new. Belfast address I think we concluded and they are a global outsourcing outfit with debt collection just a small pat of their interests.

Dont recall much more than the assignment notice tbh. So same boat as you.

Mrs Scarednshakin and Malumates are the two.

The search bar on here pulls up the threads.

As I thought Lloyds OD's and Belfast.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Halifax/IF:

• Type of account - Credit Card
  
  
• Date commenced - Years and years ago!
  
  
• Approx balance - Approx £800
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying (already established UE)
  
  
• Status - Defaulted though no DN received
  
  
• Account owner - Capquest
  

Key:
Blue - Communication Sent
Red - Communication Received

2/5/2012 - CCA Request Sent
7/6/2012 - Letter from Halifax/If stating that they cannot find my credit agreement and will not try to enforce the agreement while they try to find it
June 2012 - Numerous letters from Wescot making threats
2/7/2012 - Letter to Wescot - Account Sold While In Dispute
7/10/2012 - Letter from Halifax/If stating account transferred to Capquest
19/10/2012 11:05 - Telephone call from Capquest
25/10/2012 - Introduction letter from Capquest
26/10/2012 - Letter to Capquest - Account Sold While In Dispute
26/10/2012 08:50 - Telephone call from Capquest
29/10/2012 - Letter to Capquest - Telephone harassment at work letter
2/11/2012 - Letter from Capquest asking for £1 for CCA request!
13/11/2012 14:38 - Telephone call from Capquest
17/11/2012 - Threat-O-Gram from Capquest
21/11/2012 - Letter to Capquest - Our Templates | Unenforceability Templates | Final Response - Unenforceability (No CCA Received)
1/12/2012 - Letter from Howard Cohen Solicitors stating that court action may be taken
10/12/2012 - Another Letter to Capquest - Our Templates | Unenforceability Templates | Final Response - Unenforceability (No CCA Received)
17/12/2012 - Letter from Capquest acknowledging complaint and stating account is on hold
17/12/2012 - Letter from Capquest offering reduced settlement figure
5/1/2013 - Letter from Capquest responding to complaint
23/1/2013 - Letter from IF rejecting complaint
23/2/2013 - Letter from Halifax/IF giving NOA to First Source Solutions
28/2/2013 - Called at work by First Source Solutions

Well looks like I will have to send the harassment at work letter, and no CCA received letter off to First Source Solutions asap.

Had a phone call from them today at my place of work bunch of numpties. Looks like Capquest have not passed on my letter to them of 29/10/2012.

[vint1954]

Re: The SaltnVinegar UE Diary

Well looks like I will have to send the harassment at work letter, and no CCA received letter off to First Source Solutions asap.

Had a phone call from them today at my place of work bunch of numpties. Looks like Capquest have not passed on my letter to them of 29/10/2012.

That's what I would do S&V.

Advise them that you are not allowed personal calls at work and insist that the number is removed. Mention the OFT guidance.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

That's what I would do S&V.

Advise them that you are not allowed personal calls at work and insist that the number is removed. Mention the OFT guidance.

Thanks Vint

They are being as stupid as Capquest really as they are calling through the main reception and asking to be put through to me so their calls are recorded (Capquest tried to deny that they had ever called me!).

Once they get the UE letter though then hopefully that will be enough to make them realize they are on a lost cause anyway

[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
  
  
• 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

Letter received from Apex below. It appears that both Apex and Lloyds TSB are incapable of understanding plain english as I made it clear I was not asking for a copy of a CCA.

I think I will write back to them making it clear that I am asking for their client to fulfill their obligations under s.74 of the CCA1974 and also the Consumer Credit Regulation 2010.

I'll also state that if their client continues to mistake my legitimate request for a s77-79 CCA request then I will consider this a deliberate act of ignoring their obligations and no further correspondence will be entered into until they provide the information requested.

What does everyone think?

Best
SnV

Dear SnV

Thank you for your recent correspondence regarding the above account the contents of which are duly noted.

We have recently referred your account to our clients and we have received the following response:

Please be advised the above outstanding balance is for a current account and therefore there is no Consumer Credit Act (CCA) Agreement available.

If you wish to discuss this matter further please contact our offices on xxxxxxxx

[ScabHunter]

Re: The SaltnVinegar UE Diary

I think I will write back to them making it clear that I am asking for their client to fulfill their obligations under s.74 of the CCA1974 and also the Consumer Credit Regulation 2010.

I'll also state that if their client continues to mistake my legitimate request for a s77-79 CCA request then I will consider this a deliberate act of ignoring their obligations and no further correspondence will be entered into until they provide the information requested.

What does everyone think?

Best
SnV

That seems an eminently reasonable course of action to me, SnV.

SH

[vint1954]

Re: The SaltnVinegar UE Diary

Just point them solidly to the fact that it is not an s78 request.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

That seems an eminently reasonable course of action to me, SnV.

SH

Just point them solidly to the fact that it is not an s78 request.

Thanks both

My last letter was very clear I was not making a s78 request. In fact I actually stated "This is not a request under s77-79 CCA, please do not mistake it as such".

I guess I was expecting too much of a DCA to read plain english

I'll re-iterate my last letter but in simpler english (one syllable)