Cecilia PDL diary

[SaltnVinegar]

Re: Cecilia PDL diary

Hi Cecilia

Ok thats good news, you also have 30 days to respond so no rush with this. I recall that you have sent Arc an I/E and list of creditors already (but maybe for the other account)?

Hope all is as well as can be otherwise.

Best
SnV

Received this email from Arc today

RE: Quick Quid FlexCredit
Balance Outstanding: £683.04

Thank you for your email.

We can confirm that we have provisionally accepted your proposal of £24.00 per month on the understanding you provide us a full financial statement showing your financial situation with your incomings, outgoings and list of creditors ensuring your offer is affordable to you. Therefore, please can you complete the attached form and return it to us in the next 30 days with your first payment. In this respect, you may be interested to know, there are a number of Debt Management Companies who are “non fee charging” organisations such as The Citizens Advice Bureau, The StepChange Debt Charity and National Debtline who would be able to assist you. Details of these non fee charging debt management companies can be found on the internet.

You can make a secure payment to ARC 24 hours a day with your debit or credit card by visiting our web site www.arceuropeltd.co.uk or by calling our automated payment hotline on 0845 0268889. Alternatively you can telephone us on 01932 251000 to make a payment by debit or credit card or you can use the following bank details to make payment:-

Bank name: Barclays Bank
Account name: ARC Europe Ltd
Sort Code 20-72-17
Account Number: 40678864
Reference Number: 1909255

If we do not receive your payment and financial statement within the next 30 days, this account will be passed back to our Legal Department for further action.

Please be advised that emails replied to this address will not be answered. All emails must be sent to collections@arceuropeltd.co.uk.

Yours sincerely,

Rachael Wynne
ARC Europe Ltd

[cymruambyth]

Re: Cecilia PDL diary

How are you feeling/coping? They have accepted your offer. That is a step in the right direction (I think)

[cecilia]

Re: Cecilia PDL diary

QuickQuid
Started July 2013
Loan £400
Owed 948.79 inc interest
Monthly payment £125.02, ten payments
Defaulted August 2013
Received email from Quickquid 30th August
Sent email to Quickquid 30th August
Received text from Quickquid 6th September
10th September - Voicemail left by Quickquid about an urgent matter asking me to call them on 0808
11th September-Voicemail left by Quickquid about an urgent matter asking me to call them on 0808
12th September-Voicemail left by Quickquid about an urgent matter asking me to call them on 0808from Nicole
Received email from Quickquid 12th September
Sent email to Quickquid 13th September
Received email from Quickquid 13th September
Received text from Quickquid 13th Septembersaying my account is overdue and to ring to freeze collections.
Received email from Quickquid 16th September
Received email from Quickquid 19th September
Received voicemail from Quickquid 20th September about an urgent matter asking me to call back
received email from Quickquid 23rd September reminder for payment due
Received Voicemail from Quickquid 23rd September about an urgent matter asking me to call them on 0808
Received notice of default sums 27th September
Received voicemail from Quickquid to call back urgently on 0808
Received reminder notice from Quickquid 24th October
Received email reminder notice from Quickquid 28th October
Received text message from Quickquid saying my account is overdue and to call them on 0808 28th October
Received Voicemail from Quickquid to call back urgently on 0808on 30th October
Received Voicemail from Quickquid to call back urgently on 0808 on 31st October
Received Voicemail from Quickquid to call back urgently on 0808 on 5th November
Received Text from Quickquid 7th November
Received Voicemail from Quickquid to call back urgently on 0808 on 8th November
Received Voicemail from Quickquid to call back urgently on 0808 on 12th November
Received Voicemail from Quickquid to call back urgently on 0808 on 14th November
Received Voicemail from Quickquid to call back urgently on 0808 on 15th November
Received Voicemail from Quickquid to call back urgently on 0808 21st November
Received Voicemail from Quickquid to call back urgently on 0808 5th December
Received Voicemail from Quickquid to call back urgently on 0808 6th December
Received Extended Repayment plan available from Quickquid 11th December
Received voicemail from Quickquid to call back urgently on 0808 20th December
Received voicemail from Quickquid to call back urgently on 0808 24th December
Received voicemail from Quickquid to call back urgently on 0808 27th December
Received voicemail from Quickquid to call back urgently on 0808 31st December
Received voicemail from Quickquid to call back urgently on 0808 3rd January
Received voicemail from Quickquid to call back urgently on 0808 8th January
Received voicemail from Quickquid to call back urgently on 0808 13th January
Received voicemail from Quickquid to call back urgently on 0808 20th January
Received voicemail from Quickquid to call back urgently on 0808 22nd January
Received voicemail from Quickquid to call back urgently on 0808 24th January
Received Extended repayment plan email from Final resolution team 24th January
Received voicemail from Quickquid to call back urgently on 0808 28th January
Received Prevent sale to third party collectors email 28th January
Received Notice of Payment 60 days overdue 31st January
Received Notice of Payment 60 days overdue 4th February
Received voicemail from Quickquid to call back urgently on 0808 4th February
Received voicemail from Quickquid to call back urgently on 0808 6th February
Received Notice of Payment 60 days overdue 7th February
Received Notice of Payment 60 days overdue 11th February
Received Extended Repayment plan available 13th February
Received Notice of Payment 60 days overdue 14th February
Received voicemail from Quickquid to call back urgently on 0808 17th February
Received prevent sale to 3rd party collectors extended payment plan 18th February
Received Notice of Payment 60 days overdue 18th February
Received Notice of Payment 60 days overdue 21st February
Received Extended Repayment plan available 25th February
Received Notice of Payment 60 days overdue 25th February
Received Notice of Payment 60 days overdue 28th February
Received Notice of Payment 60 days overdue 4th March
Received Notice of Payment 60 days overdue 7th March
Received Notice of Payment 60 days overdue
Received Notice of Payment 60 days overdue
Received Notice of Payment 60 days overdue 11th March
Received Notice of Payment 60 days overdue 14th March
Received prevent sale to 3rd Party collectors 18th March
Received Notice of Payment 60 days overdue 18th March
Received Notice of Payment 60 days overdue 21st March
Received Extended Repayment plan available 25th March
Received Notice or Payment 60 days overdue 25th March
Received Notice of Payment 60 days overdue 28th March
Received Notice of Payment 60 days overdue 8th April
Received letter from ARC saying the debt had been referred to them 10th April
Received Notice of debt referral from Quickquid 21st April
Received Notice or Payment 60 days overdue
Received Notice or Payment 60 days overdue
Received Notice or Payment 60 days overdue
Received Notice of Payment 60 days overdue
Received Notice of Payment 60 days overdue
Received Notice of Payment 60 days overdue
Received Notice of Payment 60 days overdue
Received letter from ARC 30th April
Received text message from ARC 1st May
Received email from ARC14th May

Received this email from Arc today

RE: Quick Quid FlexCredit
Balance Outstanding: £683.04

Thank you for your email.

We can confirm that we have provisionally accepted your proposal of £24.00 per month on the understanding you provide us a full financial statement showing your financial situation with your incomings, outgoings and list of creditors ensuring your offer is affordable to you. Therefore, please can you complete the attached form and return it to us in the next 30 days with your first payment. In this respect, you may be interested to know, there are a number of Debt Management Companies who are “non fee charging” organisations such as The Citizens Advice Bureau, The StepChange Debt Charity and National Debtline who would be able to assist you. Details of these non fee charging debt management companies can be found on the internet.

You can make a secure payment to ARC 24 hours a day with your debit or credit card by visiting our web site www.arceuropeltd.co.uk or by calling our automated payment hotline on 0845 0268889. Alternatively you can telephone us on 01932 251000 to make a payment by debit or credit card or you can use the following bank details to make payment:-

Bank name: Barclays Bank
Account name: ARC Europe Ltd
Sort Code 20-72-17
Account Number: 40678864
Reference Number: 1909255

If we do not receive your payment and financial statement within the next 30 days, this account will be passed back to our Legal Department for further action.

Please be advised that emails replied to this address will not be answered. All emails must be sent to collections@arceuropeltd.co.uk.

Yours sincerely,

Rachael Wynne
ARC Europe Ltd

[Never-In-Doubt]

Re: Cecilia PDL diary

Ok well you've emailed so now forget it till you're ready to check.

Don't get worried. Sort what you need to sort

[cecilia]

Re: Cecilia PDL diary

If you send me by PM your name, address and account ref im happy to get a reply sent over for you that will stall things to give you time to deal with family issues.

Just let me know.

Thanks Niddy. I have sent them an offer letter. I will let you know if I want you to step in. Their timing is bad.

[cecilia]

Re: Cecilia PDL diary

Ok so thats something you can use.



Just hand tight I'm waiting for further opinion on the letter. I totally feel for you as you have so much on your plate right now but wouldn't want this compounded by a court claim waiting on your mat when you get back because they've rolled the dice.

Do you have enough time to maybe reprint your letter offer adding Arc Europes details instead?

Have just sent Arc the initial offer letter I sent to Quickquid. As I am so stressed, it took a while to find it on the computer. I resent having to do this during this time. It just adds to my stress levels, but as you say maybe when I am finished with the funeral, having a claim in the post will make things worse. It is just that for the next few days I will not be in the right frame of mind to communicate with these goons, and won't be checking emails or post.

[Never-In-Doubt]

Re: Cecilia PDL diary

If you send me by PM your name, address and account ref im happy to get a reply sent over for you that will stall things to give you time to deal with family issues.

Just let me know.

[SaltnVinegar]

Re: Cecilia PDL diary

I am all over the place at the moment with my brothers burial.

Hi Cecilia - I'm not even going to pretend to understand the stress. Lets just say this - you do what you can and what you're able. No-one is going to be critical of you for wanting to focus on what is important today and that is your family and helping each other through this difficult time.

If that means that Arc issue a claim in the meantime then so be it - we'll be here to help you deal with that if that happens.

You have FAR more important things to be worrying about at the moment so concentrate on those.

[SaltnVinegar]

Re: Cecilia PDL diary

Yes that is the letter verbatim. I am still in the same position to make the payment arrangement I had attempted to do before.

Ok so thats something you can use.

It is just that I have so much on today, I am not going to have the time to deal with this until a few weeks time. It sounds like you are saying I need to respond today. I am all over the place at the moment with my brothers burial.

Just hand tight I'm waiting for further opinion on the letter. I totally feel for you as you have so much on your plate right now but wouldn't want this compounded by a court claim waiting on your mat when you get back because they've rolled the dice.

Do you have enough time to maybe reprint your letter offer adding Arc Europes details instead?

[cecilia]

Re: Cecilia PDL diary

Hi Cecilia

Is that the letter verbatim?

Are you still in the same position to make the payment arrangement you attempted to before?

Thanks
SnV

Hi SnV,

Yes that is the letter verbatim.

I am still in the same position to make the payment arrangement I had attempted to do before.

It is just that I have so much on today, I am not going to have the time to deal with this until a few weeks time.

It sounds like you are saying I need to respond today. I am all over the place at the moment with my brothers burial.

[SaltnVinegar]

Re: Cecilia PDL diary

They always seem to know when you are at your lowest when they send these letters. Have you PMd SnV to make sure it's nipped in the bud? I know this isn't a priority but it looks like a LBA and from what I have read you need to reply to cover yourself.

I would certainly treat it as a LBA, although they are in breach of pre-action protocol. In consideration of everything that Cecilia is going through right now I wouldn't want Arc to issue a claim chancing their arm so you're right this definitely requires a response.

[SaltnVinegar]

Re: Cecilia PDL diary

Received this letter from Arc yesterday dated 24th April 2014

Balance £683.04

We are disappointed to note that you have not cleared your balance following our previous letter. On the instructions of our client we can now take steps to prepare a County Court Claim against you for recovery of the above debt.

A court claim will be prepared ten days after the date of this letter, unless we receive either payment in full or a substantial payment and a firm commitment to clear the remaining balance. You may want to seek independent legal advice from a Solicitor, debt counsellor, the Citizens advice bureau or similar organisation on this matter.

If this action is necessary and we pass the Court claim to our solicitor for issue, our client is entitled to claim interest under the County Courts Act 1984 at the rate of 8% per annum together with fixed Court fees and Solicitor cost amounting to a further £130.

Please note that if the Claim is issued and the debt remains unpaid, our client can apply for the formal Court Judgment against you. If the full Judgement Debt is not paid within one month of being entered, the Judgment will be recorded by the Credit reference Agencies for a period of 6 years and this may seriously affect your ability to obtain credit in the future.

To avoid this action, please send a payment today , made payable to ARC Europe Ltd and quoting your reference number on the reverse.

For details of all payment methods please see the back of this letter or alternatively, call us Now on 01932251040 and ask for the Pre Litigation manager, Daniel Ryan.

Yours sincerely

Martin Wicks-Chartered Legal Executive
Legal Manager-Arc

Hi Cecilia

Is that the letter verbatim?

Are you still in the same position to make the payment arrangement you attempted to before?

Thanks
SnV

[cymruambyth]

Re: Cecilia PDL diary

They always seem to know when you are at your lowest when they send these letters. Have you PMd SnV to make sure it's nipped in the bud? I know this isn't a priority but it looks like a LBA and from what I have read you need to reply to cover yourself.

[cecilia]

Re: Cecilia PDL diary

Received this letter from Arc yesterday dated 24th April 2014

Balance £683.04

We are disappointed to note that you have not cleared your balance following our previous letter. On the instructions of our client we can now take steps to prepare a County Court Claim against you for recovery of the above debt.

A court claim will be prepared ten days after the date of this letter, unless we receive either payment in full or a substantial payment and a firm commitment to clear the remaining balance. You may want to seek independent legal advice from a Solicitor, debt counsellor, the Citizens advice bureau or similar organisation on this matter.

If this action is necessary and we pass the Court claim to our solicitor for issue, our client is entitled to claim interest under the County Courts Act 1984 at the rate of 8% per annum together with fixed Court fees and Solicitor cost amounting to a further £130.

Please note that if the Claim is issued and the debt remains unpaid, our client can apply for the formal Court Judgment against you. If the full Judgement Debt is not paid within one month of being entered, the Judgment will be recorded by the Credit reference Agencies for a period of 6 years and this may seriously affect your ability to obtain credit in the future.

To avoid this action, please send a payment today , made payable to ARC Europe Ltd and quoting your reference number on the reverse.

For details of all payment methods please see the back of this letter or alternatively, call us Now on 01932251040 and ask for the Pre Litigation manager, Daniel Ryan.

Yours sincerely

Martin Wicks-Chartered Legal Executive
Legal Manager-Arc

[cymruambyth]

Re: Cecilia PDL diary

PDL stuff can be dealt with at any time. Take care of yourself and your family.