Enough now

[Never-In-Doubt]

Thank you for your reply, I will seek further support from you all, meanwhile I shall resend a copy of letter and signed for signature to remind them.
Thanks again.

Why? I wouldn't...... that could prompt them to actually find the information. Unless they are expressly threatening court, then i'd just stay quiet for a wee while. If they're threatening court then yes, copy their letter and just send a copy to them with a cover note saying very little more than "see attached, until you come out of default this account remains unenforceable". and literally leave it like that.

Don't give anything away - only give the basic, to show (a judge, for instance) that you aren't hiding from your liabilities - more, you're lawfully disputing their legitimacy and validity under the Acts in place.

[Rosebud]

Anything Cabot - don't overly stress - just ensure you speak to one of the legal team (Di / Jo / Gerry) if they issue or threaten to issue a claim, before doing anything. But whilst they are in default, you can safely ignore them - certainly with a confirmation letter saying they aren't able to comply with s.78.

Thank you for your reply, I will seek further support from you all, meanwhile I shall resend a copy of letter and signed for signature to remind them.
Thanks again.

[Never-In-Doubt]

Anything Cabot - don't overly stress - just ensure you speak to one of the legal team (Di / Jo / Gerry) if they issue or threaten to issue a claim, before doing anything. But whilst they are in default, you can safely ignore them - certainly with a confirmation letter saying they aren't able to comply with s.78.

[Rosebud]

Hi Roger , thank you so much for your reply. I shall do as you suggested. Hopefully they might take notice this time. Thanks again.

[Roger]

Just send a copy of your March letter PLUS a copy of their signature .. Without Comment! By Recorded Delivery again! Obviously keep a record of this for your own purposes!
"..
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
.."
Whilst your CCA is outstanding THEY CAN ASK but not Enforce.

[Rosebud]

Type of account : HALIFAX CC
DATE COMMENCED : before July 2008
Approx balance : 4700
date paid in full : before July 2008
On DMP SINCE JULY 2008
Status ? No default letter received.
Account owner : Cabot financial

03/09: letter sent from myself to Halifax requesting that they stop applying interest charges.
03/09: I receive an email from HR advising that Global international are trying to contact me.
03/09: letter from global ASKING ME TO NOT IGNORE THIS LETTER.
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.
04/09: letter from Blair Scott and Oliver, acknowledging my complaint.
04/09: letter revived from Halifax regretting that I had cause to complain.
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).
05;09: letter from Financial Ombudsman Services
07/09: letter from FOS acknowledging my complaint.
07/09: letter received from Blair Scott & Oliver, advising that the debt has been transferred to them !

07/10: letter from BS&O thanking me for maintaining payments. £9247.39 outstanding.

11/11: letter from BS& O stating that payment hasn’t been received and informing me of amount outstanding.
11/11: letter from BS&O advising me that my account is in arrears.

03/12 Letter from BS&O, FINAL NOTICE instalment plan remains in arrears.
04/12: another letter from BS AND O advising me that account is in arrears.
5/12: another letter acknowledging payment plan.

11/13: from Halifax informing me that BS and O will change their name to Halifax Retail Recovery.
08/14: letter from Halifax accepting payment plan.
8/14: another letter from Halifax saying the same as previous letter.
09/14: another letter saying the same as above ( I would have just had a dmp review in August ).
11/14: letter from Halifax confirming payment arrangements are acceptable.
12/14: statement of account received from Halifax
07/2015: from Halifax to advise that they have assigned all rights to Cabot Credit Management Group.
07/15: letter from Cabot to say they have purchased the account.
04/16: statement received from Cabot
12/16: statement received from Cabot
06/17: statement from Cabot
12/17: statement received from Cabot
06/18: statement received from Cabot
07/18: letter received from Cabot ‘we would like to help you close your account,
09/18: CCA request sent.
09/18: response received stating they do not hold the information on file and will request same from Halifax.
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 10/18: Letter sent to Stepchange cancelling DMP, DD cancelled.

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.

Letter received from Cabot /11/18, advising me that I have missed a payment , this has caused my to ‘plan to break’. They state that I have been making progress to reduce balance and what to help me get back on track.
PLAN : File.

12/2018: Lettr received from Cabot Financial advising that I have missed a payment and my payment plan has been cancelled .. ’let’s work together’ .......
PLAN : file letter

12/18: letter dated from Cabot wanting to help set up a repayment plan, they would like to know what went wrong ....
plan : file

01/2019: statement received

1/19: letter dated from Cabot informingme how much I have yet to repay, PLAN : file

FEB 19: letter received from Cabot requesting contact PLAN : File

after receiving multiple phone calls and text messages to both my work and personal phone, I have sent an harassment letter today recorded delivery.

March Letter signed for on the 1st , received another text message on Saturday , but no more since then.

April 2019: letter received from Cabot wanting to know if I am still working with my debt advisor. If not they would like me to contact them . PLAN ; File

May 2019 : 2 letters received
first one stating that they haven’t heard from my debt management company .... Plan FILE .
2nd one stating that they haven’t received any payments from my Debt Management Company.
PLAN : FILE.

Cabot this month have contacted me twice by telephone, one of which was to my work mobile. I have already sent them a letter in February 19 ( which was never acknowledged) advising them to only contact me in writing , that didn’t last long.
What would you advise next ? be grateful for any guidance on next steps. Thank you.

update as above. Any guidance gratefully received . Many thanks

[Rosebud]

Type of account : MINT CC,
DATE COMMENCED : before July 2008
approx balance : 4300
Date last paid , prior to July 2008
On DMP SINCE JULY 2008
status : default
Account owner : Cabot Financial

06/2008: DEFAULT NOTICE sent from MINT.
07/2008: Letter from MINT ‘account termination’.
09/16: statement from MINT
07/16: letter form MINT informing me that they have now ‘partnered ‘ with Wescott Credit Services Limited.
07/16: letter from Wescott advising that account placed with them to manage.
09/17: notice of assignment from MINT, account was transferred to Wescott on the 3/07/17.
09/17: letter from Cabot Credit Management Group, advising now new legal owner.
10/17: letter sent offering F&F
10/17: letter from Wescott stating unable to accept F&F offer.
02/18: statement
07/18: statement
09/18: CCA request sent via recorded delivery.
09/18: letter from Cabot acknowledging request for CCA. Unfortunately this is not available .....
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

11/18: letter received from Cabot advising that they have been unable to obtain the information from the original lender, so until they can the account is unenforceable.
PLAN : file letter safely.

11/18: letter received from Westcot acknowledging that Stepchange are no longer acting on my behalf and ,requesting that I contact them urgently.
PLAN: file letter

12/2018: letter received from Westcot, requesting me to urgently contact them to discuss my payment plan ......

PLAN: File

12/2018: letter received from Westcot informing me that I have missed my repayment , they request that I contact them to discuss the reasons why.....’
PLAN : file letter

Jan 19: statement received

February 2019: letter received from Cabot advising that they have requested the account to be returned to them ( from Wescott) , they offer me flexibility in terms of repayment plans ....
PLAN : file

Feb 2019: letter received from Cabot advising that the account has been returned to them and they are still waiting to hear from me.
PLAN : File

April 19: letter received advising that I need to make new payment plan ; FILE

June 2019: letter received informing me that I can save £50 by informing them of my budget ..... PLAN : FILE

Update as above

[Rosebud]

Type of account : CO-op bank CC.
DATE COMMENCED : before July 2008
approx balance : £5300
Last paid in full : before July 2008
ON DMP SINCE JULY 2008
status: I have no default letter
Account owner : Link Financial

03/11: letter received from Co-Op,
12/14 : letter received from Co-op advising me that the Smile Visa account has been sold to Asset Link.
12/14: letter from Asset Link Capital (No5) Limited, that the Co-Op have sold the account
8/15: statement received
03/16: statement
9/16: statement
3/17: statement
4/17: statement
06/17: statement this goes back to December 14.
09/17: statement
2/18: statement
8/18: statement
09/2018: CCA request. Up to today no acknowledgement from them at all.

March 2019: statement received.

I have been been receiving voicemails and text messages from Link Financial on my work mobile. PLAN : to send harassment letter recorded delivery.

March 2019: letter received from Link thanking me for sending my complaint in.

April 2019: letter received stating that they are unable to resolve complaint as investigation ongoing.

May 2019 : letter received from Link , advising that they have fully investigated the contents of my complaint and haven’t breached any guidelines ...... funny I was expecting that kind of reply, they never do breach anything do they.....
PLAN : File

Update as above

[Rosebud]

You seem to be enjoying a quieter phase with just plenty of filing going on

Di

Hi Diana , hopefully will stay like this for a while. Thank you.

[Joanna Connolly Solicitors]

You seem to be enjoying a quieter phase with just plenty of filing going on

Di

[Rosebud]

TYPE OF ACCOUNT : Lloyds TSB cc
Date commenced : January 2004
approx balance : 8100
last paid in full : before July 2008
ON DMP SINCE JULY 2008
status : no default letter received
Account owner : Cabot Financial

01/2004 : letter received offering credit card , applied.
01/04: letter from Lloyd’s ...

July 2008: DMP started
08/2008: letter from Lloyd’s stating account still in arrears and no arrangements have been made. “
09/08: letter sent from me advising them the DMP company would have written to them out,inning my position etc ....
09/2008: letter from Lloyd’s headed DEFAULT NOTICE
02/09: letter from Lloyd’s confirming new payment arrangements.
08/09: letter from Lloyd’s informing me that my account is in arrears and it has been passed onto the Collection centre.
09/09: as above re arrears
10/09: letter from me to Lloyd’s informing them that payments have been made. Stating that they have continued to apply interest to account which has intensified the debt, and breaches the banking code. I requested that interest is stopped. ....
10/09: letter from Lloyd’s informing me that I have not responded to recent attempts to contact me
10/09: letter from Lloyd’s Collections thanking me for contacting them about my difficulties,
10/09: letter from Lloyd’s with details of monies paid and outstanding payments
10/09: letter from dmp company advising that Lloyd’s are unable to accept offer as they ‘want a larger payment ‘.
10/09: statement received from Lloyd’s,
10/09: letter from CCCS, advising that Lloyd’s are unable to accept payment proposal as they want a ‘larger payment ‘.
11/09: letter sent from me to Lloyd’s informing them that they will have all the information .
11/09: letter from Lloyd’s stating that despite previous letters, no arrangements have been made to repay .....
12/09: letter sent from myself to Lloyd’s informing them that I have indeed replied to their letters , yet no response has been received from them
12/09: letter from Lloyd’s ..
12/09: letter from Lloyd’s acknowledging my complaint, afte4 completing their investigation they are unable to accept my complaint ..... they inform me that the account will be sent to the recovery department, once the legal letters have been sent.
01/10: letter from Lloyd’s requesting full financial statement, until they receive this normal action to recover money will continue , further letters will be sent before the acquisition sent to the recovery team.
01/10: letter from dmp provider stating that Lloyd’s are unable to accept payment proposal as they want a larger payment.
01/10: letter from SCM solicitors advising me that despite several reminders including the issue of a DEFAULT NOTICE, my account remains out of order. Interest will continue to be applied on a daily basis.
05/10: statement from Lloyd’s, interest applied
06/10: statement received from Lloyd’s, interest applied
05/11: letter received from Lloyd’s giving me notice of missed payment.
06/11: letter from Lloyd’s accepting payment arrangements
07/11: letter from Lloyd’s stating that payments are in arrears.....
05/12: statement received from Lloyd’s
05/13: statement received from Lloyd’s
01/14: letter from Lloyd’s advising that a repayment review is due.
05/14: statement from Lloyd’s.
09/14: letter from Lloyd’s advising repayment amount accepted.
09/14: letter from Lloyd’s confirming repayment arrangements acceptable , payments should be made no later than the 25th of each month.
09/15: statement received from Lloyd’s
05/15: letter from Lloyd’s repayment review due
07/15: letter from Lloyd’s advising that they have assigned all rights etc to Cabot .
07/15: welcome letter from Cabot Financial
04/16: statement from Cabot
12/16: statement from Cabot
06/17: statement from Cabot
12/17: statement from Cabot
01/18: letter from Lloyd’s informing me that repayment proposals accepted, ( dmp provider will have sent letter out ).
06/18: statement from Cabot Financial (Europe ) Limited
09/18: CCA request sent.
09/18: letter from Cabot thanking me for my request for information, ‘we do not hold that information on file and have requested this from the original lender ‘
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.

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

Plan : file letter safely.

Letter received from Cabot 11/18, informing me that I have missed my latest payment, they want to help me get back on track .......... etc etc
PLAN : file.

12/2018: letter from Cabot Financial stating that I have missed a payment , they have been trying to contact me .....
PLAN : file letter

01/2019 : statement received
Also letter wanting to help me get back onto a repayment plan ......
PLAN : File

letter received from Cabot dated 1/19, informing me how much I have left to pay, PLAN : file

Feb 2019 : letter received from Cabot asking me to talk to them about my situation.
Also 6 text messages sent to my work mobile phone. Plus txt to my personal mobile and numerous voicemails.

My plan is to send a letter to them regarding harassment there ‘hold several ‘ accounts shall I just send the one or individual ones with account numbers etc ?

Feb 19 harassment letter sent today recorded delivery.

1st March 2019, recorded delivery letter signed for.

April 19: letter received from Cabot stating they haven’t heard from me. They state that I had informed them that A debt advisor was dealing with this account ( I haven’t ) Plan ; file

Update as above PLAN : file

[Rosebud]

Type of account : Marks & Spencer personal reserve
date commenced : before July 2008
Approx balance : 1580.00
Date last paid : before July 2008
On DMP from July 2008
Status : default
Account owner : Idem servicing

11/09: letter from M & S advising that the monthly offer is acceptable.
12/09: letter from M & S acknowledging sum of £27.68, enclosing a’giro slip’.
11/10: letter from M & S requesting me to contact them .
02/13: letter from M &S to inform me that the account has been sold to Brittanica Recoveries S. a.r.l- Madison. They have appointed Moorgate Loan Servicing Limited as agent, outstanding amount was £2764.85.
11/13: statement
04:14: statement
03/15: F&F offer made
03/15: letter from Moorgate wanting financial statement to consider my offer
04/15: letter from Moorgate wanting to know of priority debts are up to date....
04/15: statement
04/15: letter from Moorgate declining my F&F offer
04/16: statement
11/16: letter from Moorgate informing me that my account has been purchased by Idem.
11/16: Welcome letter from Idem
01/17: statement
04/17: statement
10/17: letter from Idem acknowledging my offer to pay F&F , need further information,
10/17: letter from Idem stating they have been unable to contact me ...
11/17: F & F offer sent by post.
11/17: letter from Idem declining my F&F offer....
04/18: statement from Idem
09/18: CCA request sent.
09/18: letter from Idem thanking me for my recent CCA request.
10/18: letter received from Idem thanking me for my CCA request , unfortunately they are unable to supply me with a copy and acknowledge that until they do the account cannot be enforced. The original lender has been contacted for a copy and if available will be sent separately ....

12/2018: letter received from Idem servicing stating that there is no repayment plan in place, ‘unless we can rectify this within the next 7 days my account will be reviewed for further action .....

i have received no other correspondence from them since October ,So no CCA information received.

PLAN : file letter.

letter received dated jan 19 from Idem, they state that the full balance is now due , a solution needs to be agreed. ‘It is essential that you contact us within 7 days to prevent further recovery action ‘. PLAN : file

02/2019: letter received from Idem, they state that my account is being managed by recoveries and it was important that I phone them , this matter is now urgent ....
PLAN : file

5/3/19: letter received from Idem worried about being unable to speak to me ....... failure to make contact may result in the following ! Representative visiting, or placed with an external debt collector.
PLAN : File.

March 2019 ; letter received from Idem requesting that I make contact with them so they can discuss outstanding balance. Should they not hear from me they will appoint Resolvecall to visit my property , the purpose of which I’d to regain contact with me .... PLAN : file.

April : letter from Resolvecall wanting contact to arrange repayment , of no contact made a representative may call.
Plan : file

April 19: statement received.

Update as above

[Rosebud]

Type of account : MINT CC,
DATE COMMENCED : before July 2008
approx balance : 4300
Date last paid , prior to July 2008
On DMP SINCE JULY 2008
status : default
Account owner : Cabot Financial

06/2008: DEFAULT NOTICE sent from MINT.
07/2008: Letter from MINT ‘account termination’.
09/16: statement from MINT
07/16: letter form MINT informing me that they have now ‘partnered ‘ with Wescott Credit Services Limited.
07/16: letter from Wescott advising that account placed with them to manage.
09/17: notice of assignment from MINT, account was transferred to Wescott on the 3/07/17.
09/17: letter from Cabot Credit Management Group, advising now new legal owner.
10/17: letter sent offering F&F
10/17: letter from Wescott stating unable to accept F&F offer.
02/18: statement
07/18: statement
09/18: CCA request sent via recorded delivery.
09/18: letter from Cabot acknowledging request for CCA. Unfortunately this is not available .....
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

11/18: letter received from Cabot advising that they have been unable to obtain the information from the original lender, so until they can the account is unenforceable.
PLAN : file letter safely.

11/18: letter received from Westcot acknowledging that Stepchange are no longer acting on my behalf and ,requesting that I contact them urgently.
PLAN: file letter

12/2018: letter received from Westcot, requesting me to urgently contact them to discuss my payment plan ......

PLAN: File

12/2018: letter received from Westcot informing me that I have missed my repayment , they request that I contact them to discuss the reasons why.....’
PLAN : file letter

Jan 19: statement received

February 2019: letter received from Cabot advising that they have requested the account to be returned to them ( from Wescott) , they offer me flexibility in terms of repayment plans ....
PLAN : file

Feb 2019: letter received from Cabot advising that the account has been returned to them and they are still waiting to hear from me.
PLAN : File

April 19: letter received advising that I need to make new payment plan ; FILE

Update 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 : £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 cope of CCA......
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

Update as above

[Rosebud]

Type of account : CO-op bank CC.
DATE COMMENCED : before July 2008
approx balance : £5300
Last paid in full : before July 2008
ON DMP SINCE JULY 2008
status: I have no default letter
Account owner : Link Financial

03/11: letter received from Co-Op,
12/14 : letter received from Co-op advising me that the Smile Visa account has been sold to Asset Link.
12/14: letter from Asset Link Capital (No5) Limited, that the Co-Op have sold the account
8/15: statement received
03/16: statement
9/16: statement
3/17: statement
4/17: statement
06/17: statement this goes back to December 14.
09/17: statement
2/18: statement
8/18: statement
09/2018: CCA request. Up to today no acknowledgement from them at all.

March 2019: statement received.

I have been been receiving voicemails and text messages from Link Financial on my work mobile. PLAN : to send harassment letter recorded delivery.

March 2019: letter received from Link thanking me for sending my complaint in.

April 2019: letter received stating that they are unable to resolve complaint as investigation ongoing.

Update as above Plan : File