Enough now

[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

Update as above.

[Rosebud]

Just to let yo know, I have only had one agent call at my door and that was only once. It wasn't Wescot (all they ever did was write letters with high red headings referring to the credit consumer act (not the consumer credit act) . Anyway, I told the guy the account was in dispute and he just asked me to write and say it was in dispute which I did. Never heard from them again.

If someone does turn up at your door remember they are not bailiffs, they have no power and they are just trying to earn a living - yes its not a job I could do in all fairness but some people could, so treat them with the same respect you want to be treated with. Hope that makes sense

Hello Warwick65, thank you for your reply. made me smile and feel reassured. Thank goodness I found this site , your all amazing.
Have a fabulous evening.

[Warwick65]

Just to let yo know, I have only had one agent call at my door and that was only once. It wasn't Wescot (all they ever did was write letters with high red headings referring to the credit consumer act (not the consumer credit act) . Anyway, I told the guy the account was in dispute and he just asked me to write and say it was in dispute which I did. Never heard from them again.

If someone does turn up at your door remember they are not bailiffs, they have no power and they are just trying to earn a living - yes its not a job I could do in all fairness but some people could, so treat them with the same respect you want to be treated with. Hope that makes sense

[Rosebud]

wetcloths oppss Wescot are commission agent , any monies they collect they get % of, they are not a debt purchaser (Owner)

Thank you, will file it away.

[The Tech Clerk]

wetcloths oppss Wescot are commission agent , any monies they collect they get % of, they are not a debt purchaser (Owner)

[Rosebud]

In relation to post No: 189 - The former MBNA account now being handled by Wescot........Is that the one you were asking about?

If it were me......I think I would date and file their last letter and see what comes next.......

If they turn up at your house, Just close the door as others have said....
I certainly would not be confirming anything at this stage

Yes it is , thank you for your reply. I would like to keep them away from my door really..... although will file away and see what happens.
Thanks Spud. Have a lovely evening.

[Spud]

In relation to post No: 189 - The former MBNA account now being handled by Wescot........Is that the one you were asking about?

If it were me......I think I would date and file their last letter and see what comes next.......

If they turn up at your house, Just close the door as others have said....
I certainly would not be confirming anything at this stage

[Rosebud]

yes file - if they should turn up close the door

Thanks Tech Clerk. What would you suggest for previous post ?

[The Tech Clerk]

yes file - if they should turn up close the door

[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

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 ??

Update as above , any suggestions would be very welcome ?

[Rosebud]

Ah! Wetcloths oopps Wescot, well they are only commissions agents get a % of anything collected = file away for reference, they are not debt purchasers so they cannot go to court, just update of any further events in diary

Hi Tech Clerk, thank you so much for your reply. Good to know filed away already.
I will continue to post updates as received. Thanks again enjoy your evening.

[The Tech Clerk]

Ah! Wetcloths oopps Wescot, well they are only commissions agents get a % of anything collected = file away for reference, they are not debt purchasers so they cannot go to court, just update of any further events in diary

[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

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

Update as above .

[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.

Update as above.