The SaltnVinegar UE Diary

[Pixie]

Re: The SaltnVinegar UE Diary

Well done SnV

[cymruambyth]

Re: The SaltnVinegar UE Diary

Great news, carry on fighting!

[IF]

Re: The SaltnVinegar UE Diary

I do love good news on here, it makes my day. Well done SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Great Result.

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

Well done SnV

Great news, carry on fighting!

I do love good news on here, it makes my day. Well done SnV

Thanks everyone - was certainly a change to the usual threat-o-grams.

[xenaphon1970]

Re: The SaltnVinegar UE Diary

Read this tonight SnV, never laughed so much for a while, I have a load of UE accounts which have gone quiet, I was lucky all mine seemed to have got sold to Crabot, me and them have a lovely relationship, my letters always start with, now to stop wasting your time and mine here is the letter confirming that OC cannot/ have not got / CCA. Then they come back with there template yes we can't enforce but you remain liable for the debt please make us an offer. My final response, I have passed your letter to my pet West Highland Terrier in my legal desk to the right of mine and she say's to offer £0.00.

Unlike you SnV I came straight on to the web sites to just brush up on consumer law. I worked for many years in the Financial Services investigating the miss-selling of pensions and endowments, what a blooming scandal mate, there was very few I could not uphold. Years of studying for qualifications and then when on the job I was so demoralized seeing such skulduggery one that comes to mind and never leaves me is that of Financial Adviser selling a term assurance policy to pay back a interest only loan. Yes it happened, glad to say even my bosses did not want to argue that one, paid the outstanding mortgage for the old couple straight away. Think they wanted to keep out of the public light. Went back into the NHS and have not looked back since. As for my debts after splitting from ex, I went straight for the UE if the OC sold them off or played hardball. Now I have a couple that I have CCA this week, like you I miss my sparring with the DCA's. So we shall see what Crap 1 and Mint come back with. Both pre-2007, so will get them off to Niddy as soon as they come.
Good read mate and your diary will give people the incentive to take on these barstewards.

[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
5/10/2013 - Letter from Cabot - threat-o-gram

Letter received from Cabot - disappointed I haven't contacted them (despite letter of 5/8 been sent recorded delivery so I can prove I have), need to contact them urgently to discuss the account, failure to do so will result in further collection activity blah blah blah.

I think I'll respond with a simple one liner referring them to the SWID letter.

[cymruambyth]

Re: The SaltnVinegar UE Diary

It's great how many illiterate people are employed by Cabot

[Still Waving]

Re: The SaltnVinegar UE Diary

Letter received from Cabot - disappointed I haven't contacted them (despite letter of 5/8 been sent recorded delivery so I can prove I have), need to contact them urgently to discuss the account, failure to do so will result in further collection activity blah blah blah.

I think I'll respond with a simple one liner referring them to the SWID letter.

That's what I would do too.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

It's great how many illiterate people are employed by Cabot

Oh yes - I can imagine the mad panic that set in after the SWID letter was received, so they thought "lets wait two months and then send a threat-o-gram pretending we never received it".

[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 - No DN received. Default issued with CRA May 2012
  
  
• Account owner - FirstSource Solutions
  

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)
17/12/2012 - Letter from Capquest acknowledging complaint and stating account is on hold
17/12/2012 - Letter from Capquest offering reduced settlement figure
5/1/2013 - Letter from Capquest responding to complaint
23/1/2013 - Letter from IF rejecting complaint
23/2/2013 - Letter from Halifax/IF giving NOA to First Source Solutions
28/2/2013 - Called at work by First Source Solutions
28/3/2013 - Called at work by First Source Solutions
4/4/2013 - Letter to First Source Solutions combining harassment at work template and Final Response - Unenforceability (No CCA Received)
9/4/2013 - Called at work by First Source Solutions
12/4/2013 - Letter from First Source Solutions - account on hold
11/10/2013 - Letter from Halifax/IF rejecting complaint

Letter today from IF rejecting my complaint, although confirming that they have asked Capquest to remove my telephone number from their systems (though not First Source I noticed).

So putting aside the fact its taken them 6 months to respond to my last letter, they have completely missed the point that they have sent me a letter admitting they don't have a CCA, and that they cannot enforce!

[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 - Moorcroft on behalf of Amex

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
6/11/2013 - Letter from Amex that account has been referred to Moorcroft for collection

First update on my diary for a while!

Letter today from Amex saying my account has been referred to Moorcroft. My experience of Moorcroft is they are completely incompetent and will go running at the first sign of UE so looking forward to their introduction letter.

Let the games begin!

[Pixie]

Re: The SaltnVinegar UE Diary

First update on my diary for a while!

Letter today from Amex saying my account has been referred to Moorcroft. My experience of Moorcroft is they are completely incompetent and will go running at the first sign of UE so looking forward to their introduction letter.

Let the games begin!

Yes, they've run away pretty quickly on a couple of mine.

[SA Gold]

Re: The SaltnVinegar UE Diary

My experience of Moorcroft is they are completely incompetent and will go running at the first sign of UE so looking forward to their introduction letter.

My understanding of Moorcroft is most of their staff are sourced from a Circus

Get the popcorn ready and as you say let the entertainment commence!

[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 - Moorcroft on behalf of Amex

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
6/11/2013 - Letter from Amex that account has been referred to Moorcroft for collection
6/11/2013 - Letter from Moorcroft - account transferred to them cough up in 7 days

And the usual bovine excrement from Moorcroft has arrived. 7 days to pay in full, may recommend to client to consider further recovery action blah blah

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Quick Quid:

• Type of account - Payday Loan
  
  
• Date commenced - Late 2009/Early 2010 (not sure exactly)
  
  
• Approx balance - Approx £750
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying
  
  
• Status - Defaulted but no DN received. No CRA record.
  
  
• Account owner - ArcEurope
  

Key:
Blue - Communication Sent
Red - Communication Received

17/7/2012 - Letter received from ArcEurope Limited threatening pay up in 10 days or we will take you to court.
25/7/2012 - Email from ArcEurope stating that the account has been transferred to them for collection
4/8/2012 - LBA from Trevor Munn Solicitors giving me 10 days to pay up or they will make an application for CCJ
7/8/2012 - Response back to ArcEurope & Trevor Munn disputing account
7/8/2012 - CCA Request to ArcEurope
9/8/2012 - Letter from ArcEurope, account currently on hold, referred back to their client
24/10/2012 - Letter from ArcEurope, Statement of payments, and Credit Agreement
29/10/2012 - Response back to ArcEurope that account still in dispute
30/10/2012 - CCA sent to Niddy for review
3/11/2012 - Letter from ArcEurope, account currently on hold, referred back to their client
8/11/2013 - Email from QQ - Account 90 days overdue

Ooooer QQ have sent me an email:

"This email is to remind you of your severely overdue loan with QuickQuid.

Payment on this loan needs to be made immediately.

If we do not receive a response, we will take that as a refusal to pay and will take appropriate collections measures which include, but are not limited to, the use of a third party collections agency.

We value you as a customer and would like to help you resolve this matter.

Currently, your balance is £xxxxx and FULL PAYMENT MUST BE MADE IMMEDIATELY as your account is over 90 days past due.

Please understand that this message is very urgent and requires immediate attention. Please contact us immediately to resolve this matter.

We have already sent you in the post a statutory default notice and Office of Fair Trade leaflet as required by the Consumer Credit Act 1974."

I just love the blatant lies - at no point have I received a DN, and infact the letters sent to Arc Europe and Trevor Munn requesting they demonstrate such was met with stonewall silence which says everything.

As their last 3rd party collections agency dropped the account and I haven't heard from them for a year I am assuming this is the usual end of year chase up. They are going to be met with silence until I get something in the post.

Best
SnV