Shoegirl1978 Diary

[garlok]

Re: Shoegirl1978 Diary

Hi shoegirl,

Don't be afraid of these jokers. There is not a lot they can do at this stage. However if you answer the phone, do not go through any security questions, never discuss anything with them on the phone tell them all communications to be in writing only and PUT THE PHONE DOWN.

Keep a log of all phone calls, date, times, accounts, brief description of what was said. This is a useful piece of evidence as in Harrison v Link in our case law database to be used to great effect against them if they decide to get heavy.

regards
Garlok

[shoegirl1978]

Re: Shoegirl1978 Diary

Thank you for responding. I will start to keep a log of all these calls, I've added them to my phonebook on my phone so I know exactly who is calling and when. Let the games begin

[shoegirl1978]

Re: Shoegirl1978 Diary

Type of account: Loan
Date commenced: 2003
Approx balance: 3700
Date Last Paid: Oct 2009
Arrangement: CCA'd back in Nov 2009
Account Owner: Apex Credit Management

Activity:
24.11.11 - Niddy says
24.11.11 - Sent CCA Query - Missing Prescribed Terms

I'm sure all these creditors are out to confuse me! After sending my CCA query letter back to Apex credit management, I have today received a letter from Cabot thanking me for said letter and telling me that they will be in touch with Sainsburys (the original creditor) to get a copy of my CCA!

They say that they aim to provide me with the info within 12 working days.

Shall I just sit tight, knowing that what they will find is unenforceable anyway? Or is there a letter that I should be sending?

Sorry if that all sounds confusing

[Pixie]

Re: Shoegirl1978 Diary

As usual with dcas, the left hand doesn't know what the right hand is doing. Perhaps they do it deliberately?

Apex and Cabot are part of the same group LINK

I'd just ignore for now and see what they send next.

[shoegirl1978]

Re: Shoegirl1978 Diary

Well it's been a quiet month with creditors thankfully, I've received a couple of letter over the last couple of days so I'll update accordingly.

Hope everyone is well.

[shoegirl1978]

Re: Shoegirl1978 Diary

So, here is another one that started to kick off again:

Type of account: Loan
Date commenced: 2004
Approx balance: 2100
Date Last Paid: Jun 2007
Arrangement: Defaulted 2007
Account Owner: Wescot


18.12.11 - Received letter from Arrow global chasing for amount
19.12.11 - Sent account sold in dispute letter
28.12.11 - Received letter from Westcot confirming account on hold while they look into things

[shoegirl1978]

Re: Shoegirl1978 Diary

And one more for luck:

Type of account: Credit Card
Date commenced: 2004
Approx balance: 1100
Date Last Paid: Apr 2007
Arrangement: Default
Account Owner: Metropolitan

12.01.12 - Received letter from Lewis Debt recovery chasing for amount
12.01.12 - Sent account in dispute letter
26.01.12 - Received letter from Howard Cohen & Co Solicitors chasing for amount
31.01.12 - Sent another account in dispute letter!
14.02.12 - Received a letter from Lewis saying account being passed back to client
29.02.12 - Letter saying can't get CCA as account too old. Account placed on hold until they can provide a reconstituted version

[shoegirl1978]

Re: Shoegirl1978 Diary

This morning I received a letter from Lewis debt recovery advising that they are passing my account back to the client. Lets wait and see what happens next!

[Never-In-Doubt]

Re: Shoegirl1978 Diary

Excellent, keep us updated

[shoegirl1978]

Re: Shoegirl1978 Diary

And one more for luck:

Type of account: Credit Card
Date commenced: 2004
Approx balance: 1100
Date Last Paid: Apr 2007
Arrangement: Default
Account Owner: Metropolitan

12.01.12 - Received letter from Lewis Debt recovery chasing for amount
12.01.12 - Sent account in dispute letter
26.01.12 - Received letter from Howard Cohen & Co Solicitors chasing for amount
31.01.12 - Sent another account in dispute letter!
14.02.12 - Received a letter from Lewis saying account being passed back to client

Well this morning I received a letter from Lewis advising me "the client was unable to obtain CCA documents due to the age of the account. They have now requested documentation required to complete a reconstituted agreement but they can not confirm yet if they will be able to obtain this. You account will be on hold until then".

Lovely stuff.

[Pixie]

Re: Shoegirl1978 Diary

Keep a very tight hold of that letter!

[Deepie]

Re: Shoegirl1978 Diary

Well this morning I received a letter from Lewis advising me "the client was unable to obtain CCA documents due to the age of the account. They have now requested documentation required to complete a reconstituted agreement but they can not confirm yet if they will be able to obtain this. You account will be on hold until then".

Lovely stuff.

Well done...........

[Undercover Elsa]

Re: Shoegirl1978 Diary

Nice one! Keep those letters safe!

Well done Shoegirl!!

Shep x

[shoegirl1978]

Re: Shoegirl1978 Diary

Low and behold, I got home Friday night to a letter from Rockwell DCA who are acting on behalf of Arrow. For diary purposes, here are the account details:

Type of account: Credit Card
Date commenced: 2004
Approx balance: 3700
Date Last Paid: 2007 sometime
Arrangement: Defaulted Sept 2007
Account Owner: Arrow


11.03.10 - Sent CCA Request - No reply
05.12.11 - Received letter from Rockwell saying they are acting on behalf of Arrow
05.12.11 - Account sold in dispute letter sent
10.12.11 - Received letter saying "we'll be in touch"
15.12.11 - Telephone harrassment letter sent
03.01.12 - Received letter saying they've deleted my number from their records
03.01.12 - Received letter thanking me for mine and that they will be in touch (again)

So, I guess an "Account sold in dispute" letter is required?

Received a letter from Rockwell this morning as well (lucky me), advising that they are no longer instructed to deal with this matter, therefore their files have been closed. I have to correspond with Arrow in future.