The SaltnVinegar UE Diary

[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
3/7/2012 - SWID letter sent to Freds
13/7/2013 - Letter from Fredrickson International - Account on hold

Update - as above. Freds have put the account on hold while they wait instructions from their client.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

HAPPY BIRTHDAY TO YOU.....
HAPPY BIRTHDAY TO YOU.....
HAPPY BIIIRTHDAAAAY DEAAAAAR UE DIAAARY!
HAPPY BIRTHDAY TO YOU!!!!!



One year ago last month, after getting fed up with continuous harassment despite being on a DMP and having payment agreements with all my creditors, I decided to cease all payments.

One year today I started recording this journey on this UE diary.

For anyone that's considering this - after the initial flurry of letters, I have received LESS harassment from creditors than when I was on my DMP.

You only have to look at the 1st page and the colored updates to see the communication I have had (or not) from creditors since I have taken the UE route.

I know there is a long way to go still but I am much happier and feel in more control of the situation.

Many thanks to Niddy and crew, and all the forum members who are in this together and sharing their experiences.

Heres to another 12 UE months!

Best
SnV

[IF]

Re: The SaltnVinegar UE Diary

Happy Birthday dear diary and SnV here's definitely to another 12 months

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Happy Birthday dear diary and SnV here's definitely to another 12 months

Thanks IF!

[greymatter]

Re: The SaltnVinegar UE Diary

Light at the end of the tunnel

[Enforcer]

Re: The SaltnVinegar UE Diary

Congratulations, now past the 3 year mark with LLoyds TSB and Crapital One.

[Tinkers78]

Re: The SaltnVinegar UE Diary

Congrats SaltnVinegar

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Great Universal (Shop Direct):

• Type of account - Catalogue Account
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - Approx £300
  
  
• 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

20/7/2013 - Introduction letter from Lowell
3/8/2013 - Threat-o-gram from Lowell
3/8/2013 - CCA request sent to Lowell

Threat-o-gram received today from Lowells. I've attached it below for your amusement. No prizes are being awarded, but see if anyone can spot the serious flaws in their threats!

[garlok]

Re: The SaltnVinegar UE Diary

Well done SnV. The Lowlifes of Leeds can be a real joke. If you remember they ran away after a couple of bits of correspondence after I sent them a s78 request and BC told them that the document no longer exists due to its age. But this threatogram really is laughable from a supposedly reputable company. l l

regards
G

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Well done SnV. The Lowlifes of Leeds can be a real joke. If you remember they ran away after a couple of bits of correspondence after I sent them a s78 request and BC told them that the document no longer exists due to its age. But this threatogram really is laughable from a supposedly reputable company. l l

regards
G

Yeah they really shouldn't even be mentioning insolvency for any debt lower than £750. I know theres caveats in there, but its a breach of OFT guidelines plus their own CSA member guidelines on how letters should be written. Stupid fools! Digging a hole for themselves with this one!

[The Tech Clerk]

Re: The SaltnVinegar UE Diary

reputable company ====================== WHEN???????????????????????????

[garlok]

Re: The SaltnVinegar UE Diary

reputable company ====================== WHEN???????????????????????????

Hey mate very big lump in the cheek where tongue is residing whilst this comment was made

You have obviously read that my favourite name for this irregular guerilla (gorilla?) offshoot of the 7th Cavalry is "The Lowlifes of Leeds" Mind my NoAs all came originally from a Bristol address (not on letters) but the postmarks were Bristol.

regards
G

[The Tech Clerk]

Re: The SaltnVinegar UE Diary

Hey mate very big lump in the cheek where tongue is residing whilst this comment was made

You have obviously read that my favourite name for this irregular guerilla (gorilla?) offshoot of the 7th Cavalry is "The Lowlifes of Leeds" Mind my NoAs all came originally from a Bristol address (not on letters) but the postmarks were Bristol.

regards
G

Distribution centre in Bristol used by a lot of companies.

[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
21/3/2013 - 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
5/8/2013 - NoA from Black Horse that account has been sold to Cabot
5/8/2013 - Introductory letter from Cabot (in same letter as NoA letter!)
5/8/2013 - Account Sold In Dispute sent to Cabot

Well it looks like I am about to join the Cabot fan club!! NoA received today from Black Horse that account has been sold to Cabot.

Well as account is UE looks like they have bought a dud 'un!

Have sent 'account sold while in dispute' letter just to set things rolling!

SnV

[Bricktop]

Re: The SaltnVinegar UE Diary

Have sent 'account sold while in dispute' letter just to set things rolling!

My favorite letter to send out to a new DCA.

Always gets the juices flowing imagining the look on the face of the drone that opens the letter to find out they have bought a pup.