The SaltnVinegar UE Diary

[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.

[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

[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

[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

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

[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!

[vint1954]

Re: The SaltnVinegar UE Diary

Well done S&V

[greymatter]

Re: The SaltnVinegar UE Diary

Good news SnV
GM

[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.

[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

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 ).

[SA Gold]

Re: The SaltnVinegar UE Diary

Nice one SnV, result!

[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

[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

[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