The SaltnVinegar UE Diary

[ScabHunter]

Re: The SaltnVinegar UE Diary

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!

A very common story, indeed. They do this to try and cause panic and frighten people. It seems crude and obvious to us, but sadly it still works on some poor unsuspecting souls.

they may have to consider possible further debt recovery action

Wow! That is one seriously powerful threat. I bet the Sicilians wish they had thought of that one.

SH

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

A very common story, indeed. They do this to try and cause panic and frighten people. It seems crude and obvious to us, but sadly it still works on some poor unsuspecting souls.

they may have to consider possible further debt recovery action

Wow! That is one seriously powerful threat. I bet the Sicilians wish they had thought of that one.

SH

Hi SH

Yes its a quality one from Moorcroft that one! They're disappointing me at the moment these guys. Will be interesting to see what their response to my complaint letter will be!

Best
SnV

[MrsD]

Re: The SaltnVinegar UE Diary

knowing Moorcroft they'll pretend it never happened

[SA Gold]

Re: The SaltnVinegar UE Diary

they may have to consider possible further debt recovery action
Wow! That is one seriously powerful threat. I bet the Sicilians wish they had thought of that one.

SH

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

knowing Moorcroft they'll pretend it never happened

You should see the letter - they have used a font that my 5 year old son would have chosen - not sure if this is meant to 'soften' it and make it less threatening

[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
10/6/2013 - Letter from Moorcroft - account suspended

Hi All

Moorcroft have suspended the account while they liaise with Lloyds TSB.

Funny thing about this is that they have not made a single attempt to try to comply with the request in my letter.

This suggests that either they are totally confused as to what it is they should be sending, or, they realise that this could open up another tin of works similar to PPI so they don't want to comply.

Will keep you posted as their next response!

Best
SnV

[Still Waving]

Re: The SaltnVinegar UE Diary

Hi All

Moorcroft have suspended the account while they liaise with Lloyds TSB.

Funny thing about this is that they have not made a single attempt to try to comply with the request in my letter.

This suggests that either they are totally confused as to what it is they should be sending, or, they realise that this could open up another tin of works similar to PPI so they don't want to comply.

I'm having a similar experience with LTSB. CCA request sent last August, and we are going around in circles. Their latest agent (Moorcroft) suspended the account 27/02 to liaise with client, and so far I have heard nothing since.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

I'm having a similar experience with LTSB. CCA request sent last August, and we are going around in circles. Their latest agent (Moorcroft) suspended the account 27/02 to liaise with client, and so far I have heard nothing since.

Hi DnW

Thats really useful info thanks! It seems to be causing them some difficulty in how to deal with the request - they only have to read the relevant section of the CCA and they 'should' know what to send - but of course they don't have anything to send so probably don't want to risk opening a can of worms!

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
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
1/7/2013 - Letter from Fredrickson International stating unless I pay in full they will refer my account to Bryan Carter solicitors

Hi All

Lowell ramping up the pressure a little. I have the following today from Fredrickson International.

I've been a bit lax in responding to this one, so not sure which response to give them. I could assume this as a LBA and use the 'defective LBA' template.

Or perhaps sold in dispute?

[SXGuy]

Re: The SaltnVinegar UE Diary

Id send the LBA if it were me.

[Still Waving]

Re: The SaltnVinegar UE Diary

Not the SWID letter, thus saving the LBA response for BC if they subsequently write ??

[Pixie]

Re: The SaltnVinegar UE Diary

If it were me, I would send SWID.

Bryan Carter can be trigger-happy but I've seen them off on a couple of occasions.

[MrsD]

Re: The SaltnVinegar UE Diary

Is this the first time Fred's have wrtten, if so the send of the sold in dispute, Niddy has put a lot of thought into the templates so easiest to follow the pattern. The numpties at Fred's don't know this is in dispute, they just come in hard to try and frighten you, so just tell em it's in dispute and we'll go from there.

[SXGuy]

Re: The SaltnVinegar UE Diary

Sorry, hadnt followed the past history, yes send the SWID letter save the LBA for BC.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Thanks everyone - SWID it is