The SaltnVinegar UE Diary

[SaltnVinegar]

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

Hi Paul

I made a payment just before Xmas so its literally a few pennies under £750 to prevent that from happening.

I guess theres nothing stopping them adding some spurious charges to push it back over the BR threshold though.

Cheers
SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

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

Yes may do that anyway as I cannot see anything in the agreement that allows them to add a charge to my account because they couldn't contact me via telephone!

Best
SnV

[Paul.]

Re: The SaltnVinegar UE Diary

Yes may do that anyway as I cannot see anything in the agreement that allows them to add a charge to my account because they couldn't contact me via telephone!

Best
SnV

The terms of the original contract govern how it progresses, so they cannot add charges if the original didnt allow it, nor can they vary the terms without the contract allowing them to or add new terms etc

the only way around that is by consent and id suggest you do not consent to nowt

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

the only way around that is by consent and id suggest you do not consent to nowt

LOL thanks Paul I don't think I will be consenting to allowing them to change the terms of the original contract

Will be reading through it with fine tooth comb next couple of days to see exactly what it states in terms of charges.

Best
SnV

[Paul.]

Re: The SaltnVinegar UE Diary

LOL thanks Paul I don't think I will be consenting to allowing them to change the terms of the original contract

Will be reading through it with fine tooth comb next couple of days to see exactly what it states in terms of charges.

Best
SnV

It will be interesting to see what the contract says indeed.

[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
10/5/2013 - Letter from Mackenzie Hall (I assume), containing exactly the same as had been sent before but this time with a statement of account

Update on above. Today I have a letter which I assume is from Muck Hall. I say assume as there is no covering letter enclosed to say who it is from!

What I have received is part of a CCA missing prescribed terms exactly the same as they have sent at least three times before.

The only thing that is different is that this time they have enclosed a 'statement of account' which shows some payments.

What is VERY naughty is that I have noticed that they have used the payment made for the CCA request as a payment to the account.

So I need two letters:

1) How do I inform these idiots that they haven't complied with my request (again), or shall I jut send the final response letter?:

Final Response - UE (No CCA Received) - allaboutDEBT UK

2) A letter demanding that they remove the payment made for the CCA request from the account?

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. 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!
10/5/2013 - Letter from Lowell asking to call them
14/5/2013 - Email from Lowell demanding I call them
16/5/2013 - Letter from Lowell threatening court action or doorstep collection

Latest letter from Lowell:

Dear SnV

Despite the fact we have offered you numerous opportunities to resolve the debt it remains outstanding.

Unless we receive payment in full or a part payment with proposed payment plan within the next 5 days we will have no alternative but to instruct our solicitors to look to begin legal action against you. This could result in us applying for the value of the debt to be secured on your property or applying to recover the money you owe by making deductions directly from your earnings along with Court costs and interest.

Alternatively we may arrange for an agent to visit your address to negotiate settlement. You can avoid further action being taken by contacting our collections department now.

So I think this is a standard threat-o-gram.

I think I will now dispute this debt on the basis of unlawful charges that were applied on this account when shop direct knew I was in financial difficulty and refused my payment proposals. I'll update the thread once I've found all the letters I have (had my laptop stolen a couple of years ago so lost a lot of my records)

Best
SnV

[Deepie]

Re: The SaltnVinegar UE Diary

Latest letter from Lowell:

Dear SnV

Despite the fact we have offered you numerous opportunities to resolve the debt it remains outstanding.

Unless we receive payment in full or a part payment with proposed payment plan within the next 5 days we will have no alternative but to instruct our solicitors to look to begin legal action against you. This could result in us applying for the value of the debt to be secured on your property or applying to recover the money you owe by making deductions directly from your earnings along with Court costs and interest.

Alternatively we may arrange for an agent to visit your address to negotiate settlement. You can avoid further action being taken by contacting our collections department now.

So I think this is a standard threat-o-gram.

I think I will now dispute this debt on the basis of unlawful charges that were applied on this account when shop direct knew I was in financial difficulty and refused my payment proposals. I'll update the thread once I've found all the letters I have (had my laptop stolen a couple of years ago so lost a lot of my records)

Best
SnV

Stick this in as well ------->Harassment & Threat of Doorstep-Visit

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Stick this in as well ------->Harassment & Threat of Doorstep-Visit

Thanks Deepie

May as well just to get them frothing at the mouth a little more

SnV

[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
22/5/2013 - Letter from Lloyds TSB stating account has been transferred to Moorcroft debt recovery for collection

Well it looks like Apex have given up on this one! Letter today from Lloyds TSB to inform me that Moorcroft are now dealing with this account.

I'm so looking forward to getting my first letter from them!

Best
SnV

[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
22/5/2013 - Letter from Lloyds TSB stating account has been transferred to Moorcroft debt recovery for collection
23/5/2013 - Letter from Moorcroft

Letter received today from Moorcroft. Bit disappointed with them tbh as I thought they could do better than this.

Ah well - will log a formal complaint as Lloyds TSB seem incapable of carrying out my request. See how quickI can get Moorcroft to drop this!

We have been instructed to collect your overdue debt of xxxx

To prevent our recommending to our client that further debt recovery action be undertaken, it is essential that you settle this debt without delay. Payment must be submitted in full within 7 days or contact made with this office immediately by telephone on 0161 4752830 or by letter with your payment offer.

Both our client and we do not wish to take this action but if agreement cannot be reached by 28/5/13 we may have no alternative.

We would draw to your attention that our client has registered a default against your credit file in relation to this account. The default may affect your ability to obtain credit in the future.

Please contact us today as we will be happy to discuss a repayment programme that you can afford to maintain. All payments must be made payable to Moorcroft Debt Recovery Ltd and forwarded with this letter to the above address.

Do not ignore this letter.

[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!
10/5/2013 - Letter from Lowell asking to call them
14/5/2013 - Email from Lowell demanding I call them
16/5/2013 - Letter from Lowell threatening court action or doorstep collection
23/5/2013 - Letter from RED

Received letter from Red today as follows:

Recovering what you owe
We are Red Debt Collection Services, the debt collection division of Lowell Financial Ltd and we are instructed to collect the money you owe to Lowell.

We specialize in assessing accounts for litigation and will be obtaining a copy of your credit file in order to review your financial circumstances and the information within it will help us determine the best way to recover what you owe.

You can avoid this by calling us on 0844 844 4722 or visiting lowell.co.uk to either:

Pay in full or
To arrange an affordable payment plan

If you do no repay what you owe you could risk legal action being taken. We may decide to apply to the County Court for a Judgement against you (this is known as a CCJ). If we are successful in obtaining a CCJ and you still do not repay, depending on the amount you owe and your circumstances we could then apply to secure the debt against your property or to deduct amounts directly from your earnings.

Alternatively we may ask a court for a bailiff to remove goods from your house to the value of the debt.

We would obviously prefer to avoid such action and settle this amicably so please call us on 0844 844 4722. If you are unable to pay the full balance we will arrange a payment plan that you can afford

[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
22/5/2013 - Letter from Lloyds TSB stating account has been transferred to Moorcroft debt recovery for collection
27/5/2013 - Formal complaint made to Moorcroft that Lloyds TSB have yet to comply with my request and that I consider their actions complicit in a conduct of harassment

Just an update - formal complaint sent to Moorcroft - will see what they make of it.

[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!
10/5/2013 - Letter from Lowell asking to call them
14/5/2013 - Email from Lowell demanding I call them
16/5/2013 - Letter from Lowell threatening court action or doorstep collection
23/5/2013 - Letter from RED
29/5/2013 - Email from RED
6/6/2013 - Letter from Lowell stating that I have 7 days to pay or account will be passed to Fredrickson International Ltd

Hi All

Looks like Lowell are going to hand this to Freds who will then refer the account to solicitors to start legal action.

As Freds won't be the creditor I will be interested to see how the claim proceeds.........

There was a real doozey in the letter from Lowells though as follows:

"We have now reviewed the information contained in your credit file and, based on the way you are conducting your other finances, we believe that you may be in a position to start repaying this account"

That is absolutely hysterical - so the numerous defaulted accounts that they would have seen plus mortgage in arrears obviously leads them to believe this.

I suspect the truth is they have realized they are on to a loser hence why they are going to let Freds take up the strain and costs instead!

Best
SnV

[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
22/5/2013 - Letter from Lloyds TSB stating account has been transferred to Moorcroft debt recovery for collection
27/5/2013 - Formal complaint made to Moorcroft that Lloyds TSB have yet to comply with my request and that I consider their actions complicit in a conduct of harassment
6/6/2013 - Letter from Moorcroft giving me 7 days to pay balance or they may have to consider possible further debt recovery action

Suspect letter from Moorcroft has passed mine in the post as the date on their letter and when it arrived means that the 7 days they have given has passed already! Muppets!