The SaltnVinegar UE Diary

[Paul.]

Re: The SaltnVinegar UE Diary

No thinking about it. You can argue the charges are unfair there mate.

[MrsD]

Re: The SaltnVinegar UE Diary

ha just noticed the wee freudian mistake, did wonder what the hell you were on about Scabs

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

S&N

will you get all of these CCAs sent

you will be

S&N??

What's that? Is it a Scortish version of S&M? Judging by those emoticons, I assume it must be!

I agree, though, that S&V has been a little remiss here in not getting those CCA letters sent off.

SH

Yes I know I've been pretty bad at getting them sent off, just been concentrating on the ones that I've had 'active' communication from.

Lowell are in a bit of trouble with this one though. Over half the balance is made up of charges. When Shop Direct have applied charges because, I quote, "they could not contact me by phone", I think I could argue that these are unfair charges........

But you're both right I have been naughty

I'll get the CCA request sent off asap

Best
SnV

[ScabHunter]

Re: The SaltnVinegar UE Diary

S&N

will you get all of these CCAs sent

you will be

S&N??

What's that? Is it a Scortish version of S&M? Judging by those emoticons, I assume it must be!

I agree, though, that S&V has been a little remiss here in not getting those CCA letters sent off.

SH

[MrsD]

Re: The SaltnVinegar UE Diary

S&N

will you get all of these CCAs sent

you will be

[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

Another letter from Lowell stating that if I do not contact them they may send the account for doorstep collection, or they may take me to court. There is also a mild threat of petitioning for bankruptcy if I 'qualify'. Hmmmmmmmmm.

I've not sent a CCA off for this lot yet, definitely next letter for me!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

American Express:

• Type of account - Credit Card
  
  
• Date commenced - Not sure approx Sept 2007
  
  
• Approx balance - Approx £2900
  
  
• Date last full payment - March/April 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received
  
  
• Account owner - UCA (Another 'face' of American Express)
  

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2012 - Letter from RMA offering their 'free' debt management services though I have to phone them
21/8/2012 - Payment break letter sent
7/9/2012 - Letter from RMA that account may be passed to 'normal collections'
6/10/2012 - Letter from RMA stating my account will be passed to mainstream collections
11/10/2012 - Letter from Amex stating my account is being passed to an external DCA (UCA)
16/10/2012 - Letter from UCA
18/10/2012 09:54 - Telephone call from UCA
29/10/2012 - Payment break letter sent to UCA
29/10/2012 - CCA Request sent to UCA
6/11/2012 - Letter from UCA
11/12/2012 - CCA response from Amex. Will send to Niddy over the next couple of days to see if its UE or not

As above. Have got a copy agreement back from Amex. Will send to Niddy as soon as I get a chance and see where we're at.

Best
SnV

[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 - Capquest
  

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)

So fired this off to Capquest as they have completely missed the point of the previous letter. Have framed it as a formal complaint so will see if this provokes a more sensible response. But I won't hold my breath...............

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

When they crawl back under the rock, just jump on it and squash them!

I was thinking more this.......

[Pixie]

Re: The SaltnVinegar UE Diary

Well hopefully when HC and Capquest realize that their client has already admitted that they cannot enforce the debt, then this should put them back under the rock that they have crawled from.

Best
SnV

When they crawl back under the rock, just jump on it and squash them!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Standard stuff but be careful HC likes to litigate by default. There are quite a few of us victims of him before we found our way here.

I was taken to court by Howard Cohen BUT that was an enforceable debt (too new to be UE) and for a lot more money than yours SnV.

Thanks both. This does seem to the way these people operate, issue a claim and hope to get a default judgement.

Well hopefully when HC and Capquest realize that their client has already admitted that they cannot enforce the debt, then this should put them back under the rock that they have crawled from.

Best
SnV

[Pixie]

Re: The SaltnVinegar UE Diary

I was taken to court by Howard Cohen BUT that was an enforceable debt (too new to be UE) and for a lot more money than yours SnV.

[ken100464]

Re: The SaltnVinegar UE Diary

Hi All

Looks like another standard 'threat-o-gram' to me! I think I'll leave it a few days to respond to this. I have 14 days so will drag this out for a little while before I remind them (again) that their client has already admitted that they cannot enforce this agreement..........

Seems that Capquest haven't got the message yet that their client does not have an enforceable agreement. Letter received over the weekend from Howard Cohen Solicitors (Capitalisation and words in bold as per their letter, just for effect

"Capquest Debt Recovery has appointed us on behalf of Intelligent Finance.

TAKE NOTICE THAT unless this account is paid in full or a satisfactory proposal for settlement is received by xx Dec 12 Court proceedings may be issued against you without further notice.

In the event that proceedings are necessary, the following costs will be added to the debt:

Court Costs: £55
Solicitors Costs £70

In the event that judgement is obtained against you, enforcement action will result in further costs and fees being added.

Your payment must be sent, without delay, to the address shown below. All cheques and postal orders should be made payable to Capquest Debt Recovery Limited. Alternatively you can make a card payment by calling the number shown below or by visiting our clients website.

If you wish to discuss this matter you must contact our client direct.

Court proceedings may involve you paying costs and will make it difficult for you to get credit if judgement is obtained against you."

Standard stuff but be careful HC likes to litigate by default. There are quite a few of us victims of him before we found our way here.

I wouldnt treat as run of your mill rent a head.

[The Tech Clerk]

Re: The SaltnVinegar UE Diary

Double Dutch regulations like the Government = Dizzy on all the Turn Arounds They Do.

[Never-In-Doubt]

Re: The SaltnVinegar UE Diary

They are contradicting themselves.

Nothing changes then eh?