The SaltnVinegar UE Diary

[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
11/3/2013 - Notice from Lloyds TSB that account has been transferred to Apex Credit Management Limited for collection

How utterly bizarre!!

Get a letter today from Lloyds TSB stating that my account has been passed to Apex Credit Management for collection.

Contained in the same letter is the introduction letter from Apex.

This is EXACTLY the same as the letter they sent on 17th October last year so not really sure what it is they are trying to achieve here!!

[ken100464]

Re: The SaltnVinegar UE Diary

Its Apex mate.

A totally bizarre DCA. Some of the codswhallop coming out of Stratford beggers belief.

I read where one poor guy just got an envelope. Nothing in it. Bizarre behaviour.

And that was all he got in a year. One envelope no correspondence. Thats really gonna make you cack yourself.

No wonder they got taken over by Cabot but suspect some of the less clever monkeys were kept on.

[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

Hi All

Had a 'letter before action' from Mackenzie Hall today. This is the first communication I've received from them. I've attached the letter below as it seems to have some real intent about it although I've noticed the following:

1) They are not the creditor - Black Horse is

2) They have only allowed 7 days between the date on their letter and the date they have given me to pay. With time its taken to arrive in the post this has gives me 2 days to pay I don't think could be considered reasonable

3) They state that 'may' lead to legal action

4) There is the presumption that judgement will be granted, not may be granted

5) There is presumption that once judgement is granted that they can go on to enforce attachments of earnings etc.

All in all its a letter that breaches quite a few guidelines!

I was thinking of responding with the 'sold in dispute' template as the agreement BH have sent it still missing prescribed terms.

Best
SnV

[MrsD]

Re: The SaltnVinegar UE Diary

if this is the first you've heard from these muppets, send off a sold in dispute, you might have to send them a oneliner next week with another copy, as they seem a bit slooooowwwwwwwwwww

[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

As above - sent MH a response with a double whammy of template letters. Will wait to see how they respond.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

if this is the first you've heard from these muppets, send off a sold in dispute, you might have to send them a oneliner next week with another copy, as they seem a bit slooooowwwwwwwwwww

Thanks Mrs D

Have already been to the PO and sent it recorded delivery

No flies landing here!!

SnV

edit - btw this is the first time I have dealt with these guys though have heard plenty about them!

[ScabHunter]

Re: The SaltnVinegar UE Diary

edit - btw this is the first time I have dealt with these guys though have heard plenty about them!

They are the absolute dregs of the DCA sewer. They buy statute barred debts and a lot of other rubbish the rest of them won't touch, and then rely on extremely aggressive telephone bullying to wear people down. If they are lower on the food chain than Wasteclot you know they must be bad!

A match for S 'n' V? Errr.....not quite!

SH

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

They are the absolute dregs of the DCA sewer. They buy statute barred debts and a lot of other rubbish the rest of them won't touch, and then rely on extremely aggressive telephone bullying to wear people down. If they are lower on the food chain than Wasteclot you know they must be bad!

A match for S 'n' V? Errr.....not quite!

SH

Thank SH.

I'm looking forward to their response. I can't imagine they can be worse then Wescot (who have backed down on every single account they have had with me, or sent it back to their 'client'!).

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Its Apex mate.

A totally bizarre DCA. Some of the codswhallop coming out of Stratford beggers belief.

I read where one poor guy just got an envelope. Nothing in it. Bizarre behaviour.

And that was all he got in a year. One envelope no correspondence. Thats really gonna make you cack yourself.

No wonder they got taken over by Cabot but suspect some of the less clever monkeys were kept on.

Hi Ken

Sorry just seen your post! So this guy just got an envelope? You mean an envelope with nothing in it or an envelope in the envelope?!!

Thats definately wierd! I look forward to getting that template letter!

SnV

[ken100464]

Re: The SaltnVinegar UE Diary

Yep an empty envelope.

Try and work that one out.

The senior letter stuffer monkey must have thrown a wobbly. Now the junior letter stuffer monkey is in charge

Our latest letter just recieved starts "we are seriously miffed you havnt come to an arrangement on the debt just recently assigned to us."

Trouble is they have had the debt for 4 years. We have been paying now stopped so the letter we got is probably his letter.

And our letter you will probably get lol.

Can never say never with a DCA but this one is barking. Beat the client into submission by making them wonder what reality is the real reality. Is the world mad. Or is it me?

Like I said no wonder Cabot took them over.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Yep an empty envelope.

Try and work that one out.

The senior letter stuffer monkey must have thrown a wobbly. Now the junior letter stuffer monkey is in charge

Our latest letter just recieved starts "we are seriously miffed you havnt come to an arrangement on the debt just recently assigned to us."

Trouble is they have had the debt for 4 years. We have been paying now stopped so the letter we got is probably his letter.

And our letter you will probably get lol.

Can never say never with a DCA but this one is barking. Beat the client into submission by making them wonder what reality is the real reality. Is the world mad. Or is it me?

Like I said no wonder Cabot took them over.

Like it - I'd love to receive one of those. My return letter would be:

Dear Apex

Thanks you for your envelope dated xx/xx/xxxx. In response to your envelope I'd like to make the points below:






Kind Regards
SnV

[Spud]

Re: The SaltnVinegar UE Diary

SnV

I love that letter....Is that what we call a one liner???

Do you think we should ask Niddy to add that to the templates?

I had Apex chasing me for a few months, The same old template letter every time!!

"They have carefully researched and believe that I have the ability to repay this debt" or words to that effect - Not had a letter from them yet that does'nt have that wording

Just ignored them and hav'nt heard a thing for around 5 months

[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!!

Hi All

As above, got a letter from HL Solicitors yesterday. Looks like another 'template for sale' letter as it is exactly the same as the previous two they have sent.

I'll still write to Apex telling them they and their client are ignoring what is being requested of them and to address the contents of my previous letters.

Best
SnV

[The Tech Clerk]

Re: The SaltnVinegar UE Diary

Letters for sale @ 75p per throw, but remember to contact purchaser not H.L?

[Spud]

Re: The SaltnVinegar UE Diary

SnV

I'm sure your not overly worried by the HL Solicitors letters (Letterheads for hire) but just to add some information to ease your mind.....If it did need easing that is ......

I've had 4 letters from them in the past, Prettymuch the same circumstances as with you

Lloyds Tsb overdraft - Apex on the case - Ignored their rubbish template letters and then HL Solicitors letters with the usual reply to Apex not to us

I ignored them completely and never heard a thing. I never acknowledged Apex at all ( Not that I'm reccomending that you do that but thats what I did) and hav'nt heard from either Lloyds or Apex for over 6 months!

Even now that I have stopped making any token payments

So unless these HL letters are threatening anything specific - I'm sure they will be the normal 75p letters that Tech Clerk referred to.

Keep up the good work - Following with interest