Enough now

[Rosebud]

Type of account : HALIFAX CC
DATE COMMENCED : before July 2008
Approx balance : 4802.73
date paid in full : before July 2008
On DMP SINCE JULY 2008
Status ? No default letter received.
Account owner : Cabot financial

16/03/09: letter sent from myself to Halifax requesting that they stop applying interest charges.
25/03/09: I receive an email from HR advising that Global international are trying to contact me.
31/03/09: letter from global ASKING ME TO NOT IGNORE THIS LETTER.
3/04/2009: sent by me to Halifax making a complaint against Global international ( acting for them ) who contacted my HR department at work , when I contacted this person , he was very threatening, encouraged me to borrow money to pay this debt off.
06/04/09: letter from Blair Scott and Oliver, acknowledging my complaint.
09/04/09: letter revived from Halifax regretting that I had cause to complain.
15/04/09: letter received from Halifax , saying how sorry they where about my complaint. They advised me that I may be aware that they have transferred this account to Blair Scott and Oliver , ( no letter was received).
21/05;09: letter from Financial Ombudsman Services , they advise that they have written to Global Credit and give me their address as being in Ontario.
02/07/09: letter from FOS acknowledging my complaint.
17/07/09: letter received from Blair Scott & Oliver, advising that the debt has been transferred to them !
28/07/10: letter from BS&O thanking me for maintaining payments. £9247.39 outstanding.
15/11/11: letter from BS& O stating that payment hasn’t been received and informing me of amount outstanding.
29/11/11: letter from BS&O advising me that my account is in arrears.
29/03/12 Letter from BS&O, FINAL NOTICE instalment plan remains in arrears. £8142.55.
30/04/12: another letter from BS AND O advising me that account is in arrears. £8077.12.
22/5/12: another letter acknowledging payment plan.
25/11/13: from Halifax informing me that BS and O will change their name to Halifax Retail Recovery.
07/08/14: letter from Halifax accepting payment plan.
29/8/14: another letter from Halifax saying the same as previous letter.
25/09/14: another letter saying the same as above ( I would have just had a dmp review in August ).
6/11/14: letter from Halifax confirming payment arrangements are acceptable.
6/12/14: statement of account received from Halifax £ 6114.83.
23/07/2015: from Halifax to advise that they have assigned all rights to Cabot Credit Management Group.
25/07/15: letter from Cabot to say they have purchased the account. £6027.96.
12/04/16: statement received from Cabot £5914.65
24/12/16: statement received from Cabot £5558.13
24/06/17: statement from Cabot £5331.51
24/12/17: statement received from Cabot £5104.89
24/06/18: statement received from Cabot £4878.27
13/07/18: letter received from Cabot ‘we would like to help you close your account, I could pay £3630.37.
14/09/18: CCA request sent.
24/09/18: response received stating they do not hold the information on file and will request same from Halifax.
24/09/18: letter received from Cabot stating that they have been unable to provide me with the documents, so the debt is unenforceable. They thank me for making payments.

WB 8/10/18: Letter sent to Stepchange cancelling DMP, DD cancelled.

6/11/18: letter received from Cabot advising that they have been unable to get the information required from the original lender, if this information ever becomes available they will complete my request, but until then my Credit agreement is unenforceable.

Update as above, plan , to file letter safely.

[Rosebud]

Apart from the letter above very quite. Had a reply from Stepchange but they advised they have paid the my money on the 4th of October so nothing to return unfortunately, was going to put it away. Never mind will start from next month.
Letters will I presume be sent out advising them all that the dmp has been cancelled, sure that will generate lots of letters.
Absolutely nothing in reply to my CCA request.

[Rosebud]

Type of account : BARCLAYCARD
DATE COMMENCED BEFORE JULY 2008
approx balance : 4928.94
Paid in full : prior to July 2008
OM DMP SINCE JULY 2008
status : I have no default letter
ACCOUNT OWNER : Link Financial

August 2014: letter from Barclaycard acknowledging DMP company.
24/10/16: letter from Barclaycard informing me that they have transferred the account to Asset Link Capital ( No 5) Limited.
Letter from Asset Link .... confirming the above.
30/09/17: statement from Link Financial
31/03/18: further statement from Link
19/10/18: statement received from Link, they have applied the £1 CCA request towards the account reducing it to £4880.63.

Letter received today as above.

[Rosebud]

So now debts , I will complete one entry for each.

Type of account : credit card ( previously MBNA )
date commenced : ? I haven’t got any documentation , but it will be before July 2008.
Approx balance : £2525.48
Date last paid: before July 2008
On DMP , running from July 2008
Status : default
Account owner : Idem servicing

13/10/18 letter received today from MBNA advising me that they should have sent me a Notice of Sum in arrears ,
in AUGUST 2009, as a result of an error that didn’t happen.
So to put things ‘right’ they are advising me now. They also included an ‘arrears’ leaflet.
Not bad really is it only 9 years later than when I should have received it.

Update

[stuckinarut]

they can ask, but untill they find the CCA, you don't have to pay if you don't want to,
just put the money aside incase it is needed at a later date,

I was very naughty and used mine to go to Aruba for my 60th

[The Tech Clerk]

they can ask, but untill they find the CCA, you don't have to pay if you don't want to,
just put the money aside incase it is needed at a later date,

I was very naughty and used mine to go to Aruba for my 60th

Snob lol

[nightwatch]

they can ask, but untill they find the CCA, you don't have to pay if you don't want to,
just put the money aside incase it is needed at a later date,

I was very naughty and used mine to go to Aruba for my 60th

[Rosebud]

TYPE OF ACCOUNT : NatWest cc
DATE COMMENCED : June 2005
approx balance : £3543.55
last paid in full : before July 2008
ON DMP SINCE JULY 2008
status : no default letter received.
Account owner : Cabot financial ( for Westcott).

June 2005, Pre approved application received ! no need to complete long form, just sign and return.

11/7/16: letter from NatWest informing me that they have partnered with Westcott credit services ltd.
20/07/16 : letter from Wescott advising me that NatWest have placed my account with them.
28/7/16: statement received from NatWest.
13/07/17: letter received from NatWest , giving me notice of assignment to Cabot Financial UK on the 3/7/17.
I have found the ‘copy ‘ of the credit agreement.
13/9/17, letter from Cabot Financial, informing me that my account has a new ‘legal owner’.
03/10/17: F& F offer declined by Wescot ( letter was on their headed note paper ).
17/01/18: statement received from Cabot.
04/07/18: statement received from Cabot.
14/09/18: CCA request sent.
24/09/18: letter from Cabot advising they don’t hold the relevant information and have requested a copy from the original lender.
8/10/18: letter received stating that they have been unable to supply CCA the original lender has been contacted.
They remind me that the balance is still outstanding and that I will be contacted by letter or phone to ask me to pay.

They would like like me to set up a personal payment plan.

PLAN : File letter

Update.

[Rosebud]

site is sticking again also at times, posting going into restore or delete

Oh thanks for the update , I have managed to repost mine.

[Rosebud]

Ok this is good,

they have stated that it is unenforceable, so yes they can call and write to ask you to pay, but you don't have to,
this doesn't mean they have closed the account, just that they cannot enforce in court,

so this account is unenforceable, Untill they can supply a Valid CCA,

NW xx

Thank you I am learning loads on here reading lots of diaries so gaining some understanding of processes.
I am not planning to pay them any money, I have requested this months money back from Stepchange so I will start to put this to one side, if ever I need it.

Hope that you have had a lovely day. Xx

[The Tech Clerk]

site is sticking again also at times, posting going into restore or delete

[Rosebud]

not sure if the site is having a glitch but posts are poping up a bit out of time.

don't worry if your having problems, just take your time, every thing will fall into place for you soon

xx

Hi NW , I have redone them hopefully they will read correctly now.
Thank you for your post x

[Rosebud]

TYPE OF ACCOUNT : Lloyds TSB cc
Date commenced : January 2004
approx balance : 8187.90
last paid in full : before July 2008
ON DMP SINCE JULY 2008
status : no default letter received
Account owner : Cabot Financial

8/10/18 : letter received today stating they they are still processing my request , as such the current agreement is unenforceable, the original creditor has been contacted.

They thank me for making payments ( they won’t yet be aware that my DMP has been stopped ).

PLAN : file letter.

8/10/18 : Update as above.

[Rosebud]

TYPE OF ACCOUNT : NatWest cc
DATE COMMENCED : June 2005
approx balance : £3543.55
last paid in full : before July 2008
ON DMP SINCE JULY 2008
status : no default letter received.
Account owner : Cabot financial ( for Westcott).

8/10/18: letter received stating that they have been unable to supply CCA the original lender has been contacted.
They remind me that the balance is still outstanding and that I will be contacted by letter or phone to ask me to pay.

They would like like me to set up a personal payment plan.

PLAN : File letter

Update as above

[Rosebud]

Type of account : MINT CC,
DATE COMMENCED : before July 2008
approx balance : 4375.20
Date last paid , prior to July 2008
On DMP SINCE JULY 2008
status : default
Account owner : Cabot Financial ( for Westcott).



8/10/18 : letter received today stating that my request is still being processed,the original lender has been contacted
as the CCA request remains outstanding the debt is unenforceable.
They thank me for making payments , ( they won’t yet know that the DMP has been cancelled ).

PLAN : file letter

Update as above.