Tweet
Where did you all go?? You cant escape me...... just checking in here and creating my new log. Not much activity in the last 6 weeks after rightly being told to chill out by NID.
latest updates will be marked in red-ish to make it easier to follow.
1. EGG CC
Approx balance: 10.5k
[size=5]1/07/10 - sent first CCA request
17/07/10 - received docs back (these are new print outs, not a true copy) DOES include the phrase "Approved Limit"
26/07/10 - sent first phone harassment letter. Also awaiting current judgement due September of EGG wording as noted by NID. Following that thread before making my next move.
27/07/10 - first call from Capital Credit Agency. Which is part of EGG, so the debt hasn't gone far yet.
03/09/10 - All phone calls stopped soon after I sent the request. Received letter saying they were allowed to call me, but not a single call for well over a month.
03/09/10 - just got a letter form CCA (part of egg) usual guff but with a new bit - your account "may" be forwarded to our specialist customer contact company - Resolve Call: that "may" request one of their contact managers to visit your home address.... I note they have still to default my account despite all this and months of non payment - come on! get on with it!
07/09/10 - "dont you think about coming to my house, muppets." letter sent.
08/10/10 - Finally! EGG has defaulted me, but it gives me 28 days to pay 1800 arrears before the default is registered with credit ref agencies. It says from 29/10 they will demand full settlement etc, instrunt solicitors or debt collection agency, terminate agreement etc.
07/12/10 - Account now with CDUK (a trading style of Improved Financial Solutions Ltd), they have been auto phoning me for about 6 weeks, with the odd real life person. Have now recieved my first threat-o-gram from them. "our client could take court action" etc and so on.
11/12/10 - sent letter as advised by NIDs - dont threaten me with leagal action etc
16/12/10 - Received phone message disputing my legal response above. Also received letter from Solicitors to a work address that pre-dates my legal letter above by a few days.
05/01/11 - Receive about 2 missed calls from CDUK a week now, no postal contact recently. Yet to make formal complaint about harassment at work, but will do as advised.
16/02/11 - bespoke Niddy letter sent off the Solicitors who have sent two letters to my work place.
17/02/11 - It seems CDUK and their poxy solicitors have given up and returned the account to EGG. First contact from a new DCA, called ARC.
3/11 - new DCA, ACC ltd. I copied the letters sent previous solicitors and DCA to new DCA with a note saying this applies to you too.
13/3/11 - Letter response from new DCA to previous letters
3/11 - Threat of Northampton court from DCA "solicitor" MR Munn. Responded with previous letters.
14/4/11 - DCA have put account on hold while they investigate.
24/5/11- letter from DCA "solicitor" Mr Trev Munn, same old letter, threat of Northampton court.
13/6/11 - letter from DCA offering a settlement for a reduced amount if I get in contact within 14 days.
09/09/11 - not a single call or letter in 3 months.
3/11/14 - account dormant with the usual collector - see other egg threads for details. Currently at 4 yrs default!
2. M&S CC
Approx balance: 6.8k
1/07/10 - sent first CCA request
17/07/10 - received docs back (including original sig)
They have sent what appears to be a true photocopy of my original doc signed and dated by me 7 years ago.
26/07/10 - NID confirms this is enforceable. Darn it ;F- ..... as they have yet to default me (despite a number of threats that they would in 7 days) I am leaving well alone for now and waiting for it to be frozen/sold on etc. before I set up a minimum repayment plan.
03/09/10 - Nothing new really to report, no phone calls, a letter every month saying you need to pay, we are going to default you soon.
04/09/10 - Just to update, they *have* defaulted this account (on the 28/7/10)- I'm just spending Saturday night sorted through my paper work and this was the one letter I hadn't opened. Obviously.
09/09/10 - not very exciting and no action needed, but letter received today - um, another Default notice. Useful.
08/10/10 - a few letters from M&S this week, main one is a final demand - if you dont pay within 48hrs we *may* pass on to debt collection, who may call at your home, we will default your account with credit agencies (they already have, silly threat really).
08/10/10 - "dont you think about coming to my house, you muppets." letter sent.
16/10/10 - Letter received from DG Solicitors asking for entire balance within 14 days, or else they have been instructed to take legal action in county court.
22/10/10 - Stalling legal letter sent to DG Solicitors to buy me a bit more time
(who are an internal department at HSBC)
7/11/10 - court docs received
12/10 - offer made for monthly payment
24/12/10 - cheeky court case in my absence, without my knowledge
04/01/11 - letter requesting redertmination sent
05/01/11 - letter recieved from creditors accepting my offer of monthly payment. I'm now filing this account as delt with, for now. A result of sorts.
10/3/11 - still some loose ends to clear up with courts as DCA hadn't cancelled their action before accepting my offer of monthly payments.
14/4/11 - loose ends cleared up, Court agreed with my payment offer. No more action needed on this account.
3. CAHOOT CC
Approx balance: 6.5k -- *** ACCOUNT closed, balance reduced to zero ***
1/07/10 - sent first CCA request
03/09/10 - no reply yet...... No default issued either yet. Received a phone call about once a month that I ignore from their repayments dept. They seem surprisingly laid back about this so I'm doing the same. I haven't sent a reminder letter, I think current NID thinking is they are in default of my initial request so to leave for now.
08/10/10 - nothing still.
07/12/10 - Not a sausage still. Nada. Nowt. Not even a letter or a phone call for a couple of months. I'm beginging to doubt they *really* love me.
05/01/11 - Not receiving a single contact in any form on this account now. Long may it last.
14/04/11 - It's still lasting!
09/09/11 - threat of default *finally* received on this account - its the first contact on this account in over a year.
2011 to 2014 - tumbleweed.....
3/11/14 - BINGO! letter from lender says my account is to be closed, and the debt written off. No further action needed.
latest updates will be marked in red-ish to make it easier to follow.
1. EGG CC
Approx balance: 10.5k
[size=5]1/07/10 - sent first CCA request
17/07/10 - received docs back (these are new print outs, not a true copy) DOES include the phrase "Approved Limit"
26/07/10 - sent first phone harassment letter. Also awaiting current judgement due September of EGG wording as noted by NID. Following that thread before making my next move.
27/07/10 - first call from Capital Credit Agency. Which is part of EGG, so the debt hasn't gone far yet.
03/09/10 - All phone calls stopped soon after I sent the request. Received letter saying they were allowed to call me, but not a single call for well over a month.
03/09/10 - just got a letter form CCA (part of egg) usual guff but with a new bit - your account "may" be forwarded to our specialist customer contact company - Resolve Call: that "may" request one of their contact managers to visit your home address.... I note they have still to default my account despite all this and months of non payment - come on! get on with it!
07/09/10 - "dont you think about coming to my house, muppets." letter sent.
08/10/10 - Finally! EGG has defaulted me, but it gives me 28 days to pay 1800 arrears before the default is registered with credit ref agencies. It says from 29/10 they will demand full settlement etc, instrunt solicitors or debt collection agency, terminate agreement etc.
07/12/10 - Account now with CDUK (a trading style of Improved Financial Solutions Ltd), they have been auto phoning me for about 6 weeks, with the odd real life person. Have now recieved my first threat-o-gram from them. "our client could take court action" etc and so on.
11/12/10 - sent letter as advised by NIDs - dont threaten me with leagal action etc
16/12/10 - Received phone message disputing my legal response above. Also received letter from Solicitors to a work address that pre-dates my legal letter above by a few days.
05/01/11 - Receive about 2 missed calls from CDUK a week now, no postal contact recently. Yet to make formal complaint about harassment at work, but will do as advised.
16/02/11 - bespoke Niddy letter sent off the Solicitors who have sent two letters to my work place.
17/02/11 - It seems CDUK and their poxy solicitors have given up and returned the account to EGG. First contact from a new DCA, called ARC.
3/11 - new DCA, ACC ltd. I copied the letters sent previous solicitors and DCA to new DCA with a note saying this applies to you too.
13/3/11 - Letter response from new DCA to previous letters
3/11 - Threat of Northampton court from DCA "solicitor" MR Munn. Responded with previous letters.
14/4/11 - DCA have put account on hold while they investigate.
24/5/11- letter from DCA "solicitor" Mr Trev Munn, same old letter, threat of Northampton court.
13/6/11 - letter from DCA offering a settlement for a reduced amount if I get in contact within 14 days.
09/09/11 - not a single call or letter in 3 months.
3/11/14 - account dormant with the usual collector - see other egg threads for details. Currently at 4 yrs default!
2. M&S CC
Approx balance: 6.8k
1/07/10 - sent first CCA request
17/07/10 - received docs back (including original sig)
They have sent what appears to be a true photocopy of my original doc signed and dated by me 7 years ago.
26/07/10 - NID confirms this is enforceable. Darn it ;F- ..... as they have yet to default me (despite a number of threats that they would in 7 days) I am leaving well alone for now and waiting for it to be frozen/sold on etc. before I set up a minimum repayment plan.
03/09/10 - Nothing new really to report, no phone calls, a letter every month saying you need to pay, we are going to default you soon.
04/09/10 - Just to update, they *have* defaulted this account (on the 28/7/10)- I'm just spending Saturday night sorted through my paper work and this was the one letter I hadn't opened. Obviously.
09/09/10 - not very exciting and no action needed, but letter received today - um, another Default notice. Useful.
08/10/10 - a few letters from M&S this week, main one is a final demand - if you dont pay within 48hrs we *may* pass on to debt collection, who may call at your home, we will default your account with credit agencies (they already have, silly threat really).
08/10/10 - "dont you think about coming to my house, you muppets." letter sent.
16/10/10 - Letter received from DG Solicitors asking for entire balance within 14 days, or else they have been instructed to take legal action in county court.
22/10/10 - Stalling legal letter sent to DG Solicitors to buy me a bit more time
(who are an internal department at HSBC)7/11/10 - court docs received
12/10 - offer made for monthly payment
24/12/10 - cheeky court case in my absence, without my knowledge
04/01/11 - letter requesting redertmination sent
05/01/11 - letter recieved from creditors accepting my offer of monthly payment. I'm now filing this account as delt with, for now. A result of sorts.
10/3/11 - still some loose ends to clear up with courts as DCA hadn't cancelled their action before accepting my offer of monthly payments.
14/4/11 - loose ends cleared up, Court agreed with my payment offer. No more action needed on this account.
3. CAHOOT CC
Approx balance: 6.5k -- *** ACCOUNT closed, balance reduced to zero ***
1/07/10 - sent first CCA request
03/09/10 - no reply yet...... No default issued either yet. Received a phone call about once a month that I ignore from their repayments dept. They seem surprisingly laid back about this so I'm doing the same. I haven't sent a reminder letter, I think current NID thinking is they are in default of my initial request so to leave for now.
08/10/10 - nothing still.
07/12/10 - Not a sausage still. Nada. Nowt. Not even a letter or a phone call for a couple of months. I'm beginging to doubt they *really* love me.
05/01/11 - Not receiving a single contact in any form on this account now. Long may it last.
14/04/11 - It's still lasting!
09/09/11 - threat of default *finally* received on this account - its the first contact on this account in over a year.
2011 to 2014 - tumbleweed.....
3/11/14 - BINGO! letter from lender says my account is to be closed, and the debt written off. No further action needed.
2
1
y
Comment