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. 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........

[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...

[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

[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.

[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.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Haha Apex strike again.

They are total loonies!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

I would...

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

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.

Thanks all. I'll sleep on it and see whether I can be bother to waste the ink and postage on a response. As I have '10 days' to respond (as per usual) think I'll make them sweat on it a bit!

[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)
25/4/2013 - Letter from Mackenzie Hall - account on hold for 40 days

Looks like my letter of 15/4 and theirs of the 19/4 crossed in the mailroom as today get a letter from Muck Hall stating account is on hold for 40 days while their client looks for the credit agreement.

As they've had 4 bites of the cherry I won't give them much hope of getting this, but will wait and see.......

Best
SnV

[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
1/5/2013 - Letter from Capquest offering me a 'one time solution' to settle the account

Well the LBA response I sent to Capquest seems to have made them back off a little. Got another template threat-o-gram offering me a 'one time solution' to settle the account and a payment plan.

Still no CCA response from them so think I may send the following but tweaked as I have not paid them anything anyway!

CCA Reminder - Unenforceability Threat - allaboutDEBT UK

I may also remind them that as they are still threatening legal action I am requesting the CCA under CPR protocols as they would have to rely on this document in court.

Best
SnV

[Never-In-Doubt]

Re: The SaltnVinegar UE Diary

I may also remind them that as they are still threatening legal action I am requesting the CCA under CPR protocols as they would have to rely on this document in court.

Best
SnV

Seems like a plan

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Seems like a plan

I hope so

Their last letter said that I would be issued court papers with no further communication from them.

That didn't happen so looks like they know they are on a losing battle........

[Never-In-Doubt]

Re: The SaltnVinegar UE Diary

Sounds about right for these plebs mate

[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. Default registered with CRA Feb 2011
  
  
• 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
4/5/2013 - Letter from Lowell enclosing CCA - account obviously not closed after all!

BUGGER!!!!!!

So after stating that SD couldn't find an agreement and the account was closed today Lowell have sent me a copy agreement.



Next bit of bad news is its post April 2007 too

So just thinking of my options:

1) Wait for Lowells next move (or threat-o-gram)
2) Continue playing the UE game and send a missing PT letter
3) Argue the unlawful charges (at least 50%)
4) F&F offer

[Deepie]

Re: The SaltnVinegar UE Diary

BUGGER!!!!!!

So after stating that SD couldn't find an agreement and the account was closed today Lowell have sent me a copy agreement.



Next bit of bad news is its post April 2007 too

So just thinking of my options:

1) Wait for Lowells next move (or threat-o-gram)
2) Continue playing the UE game and send a missing PT letter
3) Argue the unlawful charges (at least 50%)
4) F&F offer

If it were me option 2....... And see what they send next.

[Paul.]

Re: The SaltnVinegar UE Diary

if the debts over £750, knowing lowells it will be a statutory demand via their process server

they are quite aggressive but are also fairly easily beaten too