Enough now

[ca71]

April 22 letter received from Cabot stating they have transferred account to bpo ? Shall I send a letter of Some kind ? To who , any support appreciated.

I've had this. You'll get a stream of comms (letters, calls and texts) - I simply ignored.

[The Tech Clerk]

no unless told to do so here

they have just passed it of for someone else to try and persuade you to donate to the next Christmas party.
If BPO did not have a letter in with the one saying they had passed it over to them, then you can expect some calls and sometime a letter of introduction. add to diary.

[Rosebud]

TYPE OF ACCOUNT : NatWest cc
DATE COMMENCED : June 2005
approx balance : £3500
last paid in full : before July 2008
ON DMP SINCE JULY 2008
status : no default letter received.
Account owner : Cabot financial.

June 2005, Pre approved application received

7/16: letter from NatWest informing me that they have partnered with Westcott
07/16 : letter from Wescott
7/16: statement received from NatWest.
07/17: letter received from NatWest , giving me notice of assignment to Cabot Financial UK
I have found the ‘copy ‘ of the credit agreement.
9/17, letter from Cabot Financial
10/17: F& F offer declined by Wescot ( letter was on their headed note paper ).
01/18: statement received from Cabot.
07/18: statement received from Cabot.
09/18: CCA request sent.
09/18: letter from Cabot advising they don’t hold the relevant information and have requested a copy from the original lender.
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

11/18: letter received from Cabot , advising that we have been unable to obtain the information requested from original lender, if this ever becomes available they will complete my request. But until then the account is unenforceable.

11/18: letter received from Westcott , they have requested that I contact them urgently so ‘we’ can agree on how best to proceed.

PLAN : file letters safely

12/2018 : letter received from Westcot requesting urgent contact to discuss repayment plan .....

PLAN : File letter

12/18: letter received from Westcot writing to inform me that I have missed the payment agreed on the account, ‘we need you to make contact to discuss this account ‘......

PLAN : file letter

1/19: statement received

02/2019: letter received from Cabot advising that they have requested that the account is returned to them , ‘ we have decided that we would like to work with you directly ‘ .......
PLAN : File


Feb 19: harassment letter sent today recorded delivery Due to multiple voicemail messages left on my work
Feb 19, letter received from Cabot advising account returned to them and that they are still waiting to hear from me . PLAN : FILE

1st March recorded delivery letter signed for by an employee called Cabot.

April 22 letter received from Cabot stating they have transferred account to bpo ? Shall I send a letter of Some kind ? To who , any support appreciated.

[JLC]

Very good news but keep an eye on hoist. I stopped them twice from taking court action but unfortunately they started proceedings in October (alleged account is SB now). Just waiting for it to go to court so Joanna Connolly can kick them into touch. Not long now and it should be done and dusted) but been a long 4 month battle.

[Rosebud]

[QUOTE=Rosebud;n1514954]
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 : £2500.00
Date last paid: before July 2008
On DMP , running from July 2008
Status : default
Account owner : Idem servicing

06/09: letter from MBNA re my ‘financial difficulties ‘.
10/11: letter from MBNA re my ‘financial difficulties ‘.
10/11: Default notice, to remedy this ‘breach’ need a payment of £5402.44
11/11: letter from MBNA informing me that my account has been terminated £7366.05 outstanding.
01/12: welcome letter from Idem
01/13: statement
01/14: statement
01/15: statement

10/17: letter sent to Idem offer F&F
10/17: letter from Idem stating they are unable to accept F&F offer.

01/18: statement
09/18: letter from Idem thanking me for my recent CCA request.
10/18: letter from Idem stating they are unable to supply me with a copy of CCA so UNENFORCEABLE, SAFELY FILED.

10/18 letter received today from MBNA advising me that they should have sent me a Notice of Sum in arrears ,
in 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.

12/2018: letter from Idem servicing advising that there is no agreed payment plan in place for my account. Unless we are able to rectify this within the next 7 days my account will be reviewed for further action...

PLAN: file letter

Letter dated 1/19 from Idem stating that the full balance is now due, it is essential that I make contact with them within 7 days to solve this and prevent further recovery action. PLAN : file

letter dated 1/19: statement

letter dated 1/19, ‘we are increasingly concerned that we have not been able to speak with you about your account, they would like to understand my situation so they can place me on the most appropriate payment arrangement. Failure to do so may result in
1) a representative may be instructed to visit your property
2) my account may be placed with an external debt collection agency.

PLAN : File

April 19: letter

March 2019 : letter received from Idem, they advised that they have been trying to get hole of me on a number of occasions to discuss my account.

02/2019
Letter received from Idem , requesting that I make contact within 10 days as they have attempted to contact me on a number of occasions. Should they not receive any contact then ‘we will’ appoint an external company , Resolvecall, to visit my property, to regain contact so my current financial situation can be discussed and repayment plan put in place ....

PLAN : Do I need to respond to this or just file ?

Feb 2019 : letter received from Resolvecall they advise that they have been instructed to contact me. Idem state that they have not been able to contact me .......if I do not contact them within 7 days this ‘may’ lead to a visit by one of the representatives...... PLAN : FILE

March 2019: letter received from Idem ‘ due to the non-payment on my account they have instructed Wescot Credit Services to collect the outstanding balance . ‘ you will be contacted by them to come to a mutually acceptable arrangement... Plan : File

April 19: letter received from wescot at new address. They are requesting confirmation of same.
Plan File

April 19: letter received from wescot advising that they are a specialist debt collection agency , they have been instructed to make contact with me.
Plan : file

October 2019 , letter received from Idem stating that the account has been purchased by Hoist Finance UK Holdings 3 Limited.

October19: letter of assignment received from Hoist Finance.

October 2019 : welcome letter received from Robinson Way

NOV 19: Letter received from RW offering me options.

NOV 19: Further letter from RW offering to tackle this together.

DEC 19: letter offering me a discount.

DEC 19: letter asking for contact

DEC 19: letter from RW sent to my new address. FILED.

7/9/21: letter received from HoistFinance advising account will be passed to Resolvecall to ‘help me get back on track ‘. Filed away.

17/9/21: letter received from Resolvecall , advising that they have been instructed to visit me at home , to put me back in touch with HoistFinance. What would you advise please?

Sept 21 : SWID sent

September 21 : letter received from Resolvecall advising account returned to client.

january 2022. Letter received from HoistFinance advising me that my account is currently unenforceable as they are unable to fulfill my request for information.

Letter Safely filed away. ? NICE ….. one less now.

[Rosebud]

Another letter received which advises me of an account which is unenforceable ( MBNA).

relatively quite here except some offers of reduced payments which are just being filed.

let’s keep it this way and let the months roll by. ?

[nightwatch]

they are so thoughtful to remind you of how you could be paying, which also reminds you of how to file and save money

[Rosebud]

Ways to be cheerful - file and ignore.

Hello, thought much thanks for your reply. Have a lovely evening.

[Still Waving]

Just received a letter from HoistFinance advising me of ways to pay. ? will file.

Ways to be cheerful - file and ignore.

[Rosebud]

Just received a letter from HoistFinance advising me of ways to pay. ? will file.

[Rosebud]

That sounds like a result to me

They have passed it back because they clearly know nothing about the account - As per usual

Sit tight and lets see what happens next

most definitely, I will keep you updated. Thank you.

[Spud]

That sounds like a result to me

They have passed it back because they clearly know nothing about the account - As per usual

Sit tight and lets see what happens next

[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 : £2500.00
Date last paid: before July 2008
On DMP , running from July 2008
Status : default
Account owner : Idem servicing

06/09: letter from MBNA re my ‘financial difficulties ‘.
10/11: letter from MBNA re my ‘financial difficulties ‘.
10/11: Default notice, to remedy this ‘breach’ need a payment of £5402.44
11/11: letter from MBNA informing me that my account has been terminated £7366.05 outstanding.
01/12: welcome letter from Idem
01/13: statement
01/14: statement
01/15: statement

10/17: letter sent to Idem offer F&F
10/17: letter from Idem stating they are unable to accept F&F offer.

01/18: statement
09/18: letter from Idem thanking me for my recent CCA request.
10/18: letter from Idem stating they are unable to supply me with a copy of CCA so UNENFORCEABLE, SAFELY FILED.

10/18 letter received today from MBNA advising me that they should have sent me a Notice of Sum in arrears ,
in 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.

12/2018: letter from Idem servicing advising that there is no agreed payment plan in place for my account. Unless we are able to rectify this within the next 7 days my account will be reviewed for further action...

PLAN: file letter

Letter dated 1/19 from Idem stating that the full balance is now due, it is essential that I make contact with them within 7 days to solve this and prevent further recovery action. PLAN : file

letter dated 1/19: statement

letter dated 1/19, ‘we are increasingly concerned that we have not been able to speak with you about your account, they would like to understand my situation so they can place me on the most appropriate payment arrangement. Failure to do so may result in
1) a representative may be instructed to visit your property
2) my account may be placed with an external debt collection agency.

PLAN : File

April 19: letter

March 2019 : letter received from Idem, they advised that they have been trying to get hole of me on a number of occasions to discuss my account.

02/2019
Letter received from Idem , requesting that I make contact within 10 days as they have attempted to contact me on a number of occasions. Should they not receive any contact then ‘we will’ appoint an external company , Resolvecall, to visit my property, to regain contact so my current financial situation can be discussed and repayment plan put in place ....

PLAN : Do I need to respond to this or just file ?

Feb 2019 : letter received from Resolvecall they advise that they have been instructed to contact me. Idem state that they have not been able to contact me .......if I do not contact them within 7 days this ‘may’ lead to a visit by one of the representatives...... PLAN : FILE

March 2019: letter received from Idem ‘ due to the non-payment on my account they have instructed Wescot Credit Services to collect the outstanding balance . ‘ you will be contacted by them to come to a mutually acceptable arrangement... Plan : File

April 19: letter received from wescot at new address. They are requesting confirmation of same.
Plan File

April 19: letter received from wescot advising that they are a specialist debt collection agency , they have been instructed to make contact with me.
Plan : file

October 2019 , letter received from Idem stating that the account has been purchased by Hoist Finance UK Holdings 3 Limited.

October19: letter of assignment received from Hoist Finance.

October 2019 : welcome letter received from Robinson Way

NOV 19: Letter received from RW offering me options.

NOV 19: Further letter from RW offering to tackle this together.

DEC 19: letter offering me a discount.

DEC 19: letter asking for contact

DEC 19: letter from RW sent to my new address. FILED.

7/9/21: letter received from HoistFinance advising account will be passed to Resolvecall to ‘help me get back on track ‘. Filed away.

17/9/21: letter received from Resolvecall , advising that they have been instructed to visit me at home , to put me back in touch with HoistFinance. What would you advise please?

Sept 21 : SWID sent

September 21 : letter received from Resolvecall advising account returned to client.

Update as above.

[Rosebud]

[QUOTE=Roger;n1542476]Account Sold whilst in Dispute

The Creditor will be IDEM
suggest you join AAD+ click on header at start of thread[/QUOTE

thanks Roger, I am already a member. I were posted tomorrow. Thank you for your help.

[Roger]

Account Sold whilst in Dispute

The Creditor will be IDEM
suggest you join AAD+ click on header at start of thread