Enough now

[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]

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 : 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]

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

6/11/18: 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.


PLAN : file letter safely

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).

23/06/2008: DEFAULT NOTICE sent from MINT.
15/07/2008: Letter from MINT ‘account termination’.
28/09/16: statement from MINT
11/07/16: letter form MINT informing me that they have now ‘partnered ‘ with Wescott Credit Services Limited.
20/07/16: letter from Wescott advising that account placed with them to manage.
14/09/17: notice of assignment from MINT, account was transferred to Wescott on the 3/07/17.
15/09/17: letter from Cabot Credit Management Group, advising now new legal owner.
03/10/17: letter sent offering F&F
17/10/17: letter from Wescott stating unable to accept F&F offer.
19/02/18: statement
04/07/18: statement
14/09/18: CCA request sent via recorded delivery.
24/09/18: letter from Cabot acknowledging request for CCA. Unfortunately this is not available .....
10/10/18 : 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

6/11/18: 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.

6/11/18: letter received from Westcot acknowledging that Stepchange are no longer acting on my behalf and ,requesting that I contact them urgently.
PLAN: file letter

Update as above

[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

4/08/2014: 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 morning the account reducing it to £4880.63.

6/11/18: statement received from Link , no acknowledgement whatsoever in repose the of my CCA REQUEST.

Update as above

[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

02/01/2004 : letter received offering credit card , applied.
08/01/04: letter from Lloyd’s advising my new card is on its way.....

July 2008: DMP started
01/08/2008: letter from Lloyd’s stating account still in arrears and no arrangements have been made. “It would appear that this account is a low priority for you “ !!
02/09/08: letter sent from me advising them the DMP company would have written to them out,inning my position etc ....
29/09/2008: letter from Lloyd’s headed DEFAULT NOTICE , requesting £903.64
06/02/09: letter from Lloyd’s confirming new payment arrangements.
25/08/09: letter from Lloyd’s informing me that my account is in arrears £58.59, and it has been passed onto the Collection centre.
24/09/09: as above arrears now £250.80
04/10/09: 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. ....
13/10/09: letter from Lloyd’s informing me that I have not responded to recent attempts to contact me , an immediate payment of £130.43 is required.
13/10/09: letter from Lloyd’s Collections thanking me for contacting them about my difficulties, they enclose and Income and expenditure form ......
19/10/09: letter from Lloyd’s with details of monies paid and outstanding payments of £443.81.
21/10/09: letter from dmp company advising that Lloyd’s are unable to accept offer as they ‘want a larger payment ‘.
22/10/09: statement received from Lloyd’s, interest applied to account of £217.47...
30/10/09: letter from CCCS, advising that Lloyd’s are unable to accept payment proposal as they want a ‘larger payment ‘.
01/11/09: letter sent from me to Lloyd’s informing them that they will have all the information they need from the dmp provider.
02/11/09: letter from Lloyd’s stating that despite previous letters, no arrangements have been made to repay .....
03/12/09: 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, informed them that I will give them until the 17/12/09 to reply after which I will refer this to the financial Ombudsman Service.
04/12/09: letter from Lloyd’s stating they are unable to accept repayment proposal......
21/12/09: 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.
05/01/10: 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.
19/01/10: letter from dmp provider stating that Lloyd’s are unable to accept payment proposal as they want a larger payment.
29/01/10: 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.
23/05/10: statement from Lloyd’s, interest applied of £74.78. Balance now £15333.93.
22/06/10: statement received from Lloyd’s, interest applied of £72.26, balance now £15308.38.
19/05/11: letter received from Lloyd’s giving me notice of missed payment.
26/06/11: letter from Lloyd’s accepting payment arrangements, alleluia ! It only took them nearly 3 years.
04/07/11: letter from Lloyd’s stating that payments are in arrears..... gosh they know exactly when payments get made as they have been receiving them for nearly 3 years.
29/05/12: statement received from Lloyd’s
29/05/13: statement received from Lloyd’s
21/01/14: letter from Lloyd’s advising that a repayment review is due.
29/05/14: statement from Lloyd’s.
02/09/14: letter from Lloyd’s advising repayment amount accepted.
26/09/14: letter from Lloyd’s confirming repayment arrangements acceptable , payments should be made no later than the 25th of each month.
26/09/15: statement received from Lloyd’s
05/05/15: letter from Lloyd’s repayment review due
23/07/15: letter from Lloyd’s advising that they have assigned all rights etc to Cabot Credit Management Group.
It has taken them 7 YEARS to do this .......
24/07/15: welcome letter from Cabot Financial
12/04/16: statement from Cabot
24/12/16: statement from Cabot
24/06/17: statement from Cabot
24/12/17: statement from Cabot
22/01/18: letter from Lloyd’s informing me that repayment proposals accepted, ( dmp provider will have sent letter out ).
24/06/18: statement from Cabot Financial (Europe ) Limited
14/09/18: CCA request sent.
29/09/18: 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 ‘
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.

6/11/18: 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.

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).

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

6/11/18: 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.

6/11/18: letter received from Westcott advising that Stepchange are no longer acting on my behalf, they have requested that I contact them urgently so ‘we’ can agree on how best to proceed.

PLAN : file letters safely

Update from Westcot, I struggled to cross reference this letter account numbers totally different. Plan file this Letter too

[Joanna Connolly Solicitors]

So far so good

Di

[nightwatch]

Well up to now all replies are looking good x

[Rosebud]

So far so good

Di

That’s what I was thinking ....

[Rosebud]

Well up to now all replies are looking good x

Hi NW , aren’t they just .... love this site.

[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.

Letter received from Cabot 19/11/18, 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.

Update as above.

[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

02/01/2004 : letter received offering credit card , applied.
08/01/04: letter from Lloyd’s advising my new card is on its way.....

July 2008: DMP started
01/08/2008: letter from Lloyd’s stating account still in arrears and no arrangements have been made. “It would appear that this account is a low priority for you “ !!
02/09/08: letter sent from me advising them the DMP company would have written to them out,inning my position etc ....
29/09/2008: letter from Lloyd’s headed DEFAULT NOTICE , requesting £903.64
06/02/09: letter from Lloyd’s confirming new payment arrangements.
25/08/09: letter from Lloyd’s informing me that my account is in arrears £58.59, and it has been passed onto the Collection centre.
24/09/09: as above arrears now £250.80
04/10/09: 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. ....
13/10/09: letter from Lloyd’s informing me that I have not responded to recent attempts to contact me , an immediate payment of £130.43 is required.
13/10/09: letter from Lloyd’s Collections thanking me for contacting them about my difficulties, they enclose and Income and expenditure form ......
19/10/09: letter from Lloyd’s with details of monies paid and outstanding payments of £443.81.
21/10/09: letter from dmp company advising that Lloyd’s are unable to accept offer as they ‘want a larger payment ‘.
22/10/09: statement received from Lloyd’s, interest applied to account of £217.47...
30/10/09: letter from CCCS, advising that Lloyd’s are unable to accept payment proposal as they want a ‘larger payment ‘.
01/11/09: letter sent from me to Lloyd’s informing them that they will have all the information they need from the dmp provider.
02/11/09: letter from Lloyd’s stating that despite previous letters, no arrangements have been made to repay .....
03/12/09: 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, informed them that I will give them until the 17/12/09 to reply after which I will refer this to the financial Ombudsman Service.
04/12/09: letter from Lloyd’s stating they are unable to accept repayment proposal......
21/12/09: 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.
05/01/10: 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.
19/01/10: letter from dmp provider stating that Lloyd’s are unable to accept payment proposal as they want a larger payment.
29/01/10: 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.
23/05/10: statement from Lloyd’s, interest applied of £74.78. Balance now £15333.93.
22/06/10: statement received from Lloyd’s, interest applied of £72.26, balance now £15308.38.
19/05/11: letter received from Lloyd’s giving me notice of missed payment.
26/06/11: letter from Lloyd’s accepting payment arrangements, alleluia ! It only took them nearly 3 years.
04/07/11: letter from Lloyd’s stating that payments are in arrears..... gosh they know exactly when payments get made as they have been receiving them for nearly 3 years.
29/05/12: statement received from Lloyd’s
29/05/13: statement received from Lloyd’s
21/01/14: letter from Lloyd’s advising that a repayment review is due.
29/05/14: statement from Lloyd’s.
02/09/14: letter from Lloyd’s advising repayment amount accepted.
26/09/14: letter from Lloyd’s confirming repayment arrangements acceptable , payments should be made no later than the 25th of each month.
26/09/15: statement received from Lloyd’s
05/05/15: letter from Lloyd’s repayment review due
23/07/15: letter from Lloyd’s advising that they have assigned all rights etc to Cabot Credit Management Group.
It has taken them 7 YEARS to do this .......
24/07/15: welcome letter from Cabot Financial
12/04/16: statement from Cabot
24/12/16: statement from Cabot
24/06/17: statement from Cabot
24/12/17: statement from Cabot
22/01/18: letter from Lloyd’s informing me that repayment proposals accepted, ( dmp provider will have sent letter out ).
24/06/18: statement from Cabot Financial (Europe ) Limited
14/09/18: CCA request sent.
29/09/18: 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 ‘
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.

6/11/18: 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 19/11/18, informing me that I have missed my latest payment, they want to help me get back on track .......... etc etc
PLAN : file.

Update as above

[nightwatch]

Thank you for updating, keeps us in the loop xx