The SaltnVinegar UE Diary

[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
23/8/2013 - Threat-o-gram from Hampton Legal

Threat-o-gram from Hampton Legal (inhouse Lowell) today:

[Deepie]

Re: The SaltnVinegar UE Diary

Threat-o-gram from Hampton Legal (inhouse Lowell) today:

[ATTACH=CONFIG]9960[/ATTACH]

If it were me I'd be sending my own Threat o gram -----> Threat by Creditor - Threat-o-Gram Letter Before Action

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

If it were me I'd be sending my own Threat o gram -----> Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks deepie - already being printed

[garlok]

Re: The SaltnVinegar UE Diary

Does that "Jill Senior" also clean the toilets and make the tea? That name seems to pop up everywhere and anywhere to do with the Leeds Losers.

regards
G

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

I'm not sure if theres anything I can do about this as its just a way of creditors screwing you over...........

My credit report is now looking 'hunky dory' in that I have lots of defaults registered over the last couple of years. Only fly in the ointment is that I have got two creditors who seem to be playing the game and have not defaulted me to the CRA's (despite having had a DN from one of them).

So you know they are going to register a default with the CRA's at 5 years 11 months screwing me over for another 2-3 years at least.

I'm not overly bothered, but as I'd like to remortgage at some point in the next 3-4 years this is likely to make it difficult so I'm just having a rant. Just another example of creditors abusing the system to their advantage and not in the way it was intended.

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
3/7/2012 - SWID letter sent to Freds
13/7/2013 - Letter from Fredrickson International - Account on hold
11/9/2013 - Letter from Littlewoods stating that they had investigated my complaint of 3/7/2013 and complaint is not upheld

Quick update on this - received letter from Littlewoods in response to the SWID letter to Freds. Basically saying that they consider their charges fair and that they will not offer any refund of charges.

Well considering they inflated the balance of the account by almost £300 in charges before selling the account to Lowells I think I will dispute that one.

Account has been on hold with Freds since July so I will wait until I get the next letter from them before considering my next response.

SnV

[Never-In-Doubt]

Re: The SaltnVinegar UE Diary

Good idea.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Good idea.

Thanks matey - I'm not going to remind them I'm still here!

But I also have had fun with Freds and Farter Carter before - litte bit older/wiser now so won't be so much of a pushover this time (e.g. allowing Mr Carter to make 2 claims on a debt, one for his charges, and then the other for outstanding balance).

[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 but no default registered with CRA (just showing 6 months late payment markers)
  

• Account owner - UCA (Another 'face' of American Express)

Seems its on an Arrangement - or that's the PDL's way of keeping harmful data longer than necessary. It should be a D within 6 months of non payment. I'd complain to the CRA and tell then you're in no arrangement, you're not paying and havent in over 2 years and then accuse the data controller (PDL) of fiddling the entry to cause harm and demand the data processor (the CRA) sorts the error.

Hello mate - just copying a response you put in another thread rather than hijacking that one. I have a similar issue with Amex (see CRA entries below). I stopped making payments in June 2012. You can see that since then they have been recording payments as 4 months late for the last 15 months. Its an obvious attempt at keeping harmful data on my record.



Only concern I have is should I raise the issue with the CRA then would this then flag anything with Amex?

I guess the issue is that even if they stay quiet for the next 2 years, as long as they haven't issued a default with the CRA then its of no benefit to me (apart from being SB?)

So should I wait for the debt to become SB and then challenge the CRA data? Or is it worth challenging it now?

[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
23/8/2013 - Threat-o-gram from Hampton Legal
23/8/2013 - SWID letter sent to Lowell
20/9/2013 - Letter from Lowell - Account on Hold

Brief update on this - account on hold by Lowell.

I find it funny also that in their letter they state that they enclose a copy of the complaints procedure (which of course there is no such copy). I guess this shows what they think of their complaints procedure!

[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
23/8/2013 - Threat-o-gram from Hampton Legal
23/8/2013 - SWID letter sent to Lowell
20/9/2013 - Letter from Lowell - Account on Hold
1/10/2013 - Letter from Lowell - Account closed!!

Morning AAd'ers!

Some good news from Lowells today! This was my test case on challenging the charges that Shop Direct apply to accounts before selling them off to people like Lowells. As some of you who have followed my posts here on AAD may know I have queried the lawfulness of applying certain charges such as 'being unable to speak to you via telephone'.

So this was a 'test case' because I challenged these charges with Lowell, as well as mixing it in with a SWID template letter. A bit of a one off special to test the water and it has had a result!

Today I have received a letter from Lowell stating that while they believe that a debt may exist and is due, I quote:

"In view of your comments we are closing your account with immediate effect and all information recorded with credit reference agencies will be removed"



Now if you thought a debt 'may' exist and is due why would you go to the additional effort of removing CRA entries?........

So I think I will also challenge the lawfulness of the charges applied to the other Shop Direct accounts I have. Fortunately they were stupid enough to send me letters for each account informing me they were applying charges because they could not contact me by telephone.

Watch this space........

SnV

[Deepie]

Re: The SaltnVinegar UE Diary

Great news....

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Great news....

Thanks Deepie - certainly is! It'll be better news if I can make this a precedent and open up another tin of worms for Lowell to deal with

[Still Waving]

Re: The SaltnVinegar UE Diary

Great Result.

[SA Gold]

Re: The SaltnVinegar UE Diary

nice one SnV - virtual beer coming over to you now.