Enough now

[Rosebud]

Hi everyone, I have been reading with interest your very inspiring posts, which have made me rethink my current financial situation. A bit about me and my situation.

I began with a DMP in 2008, managed by StepChange. I have let this run completing annual reviews. I found the whole process of letters and threats , one person even contacted the HR department of where I work. I hadn’t ignored any requests for information at all, but found them very intimidating. Complaints to the financial ombudsman didn’t result in anything positive so my faith was lost in a system which should have managed this threatening behaviour.

The DMP has been paid regularly over this time.
My my partner isn’t aware of the DMP.

I have been unwell over the last 3 years, after a shock cancer diagnosis , with subsequent ongoing ill health caused by treatment, and the death of a very much loved father from cancer.


i feel the need to tackle the rest of this debt now, otherwise it will be running for another 10 years.

I have taken a look at my current debt all of which would have been initially taken out at some point before 2007. From looking at the many posts I wonder if they are unenforceable.
So today I have taken the first steps to identify if this is the case, obtaining the obligatory £1 postal order to request the information needed.

Please forgive me me if I don’t understand the terminology, if I ask questions that may seem to be easily explained.

I take this step knowing that there are so many supportive people who can guide me through this process, I am happy to take the challenge and feel confident with the support available within this lovely group.

I will post details of each debt in the required format.

Thank you all.

[Joanna Connolly Solicitors]

I have taken a look at my current debt all of which would have been initially taken out at some point before 2007. From looking at the many posts I wonder if they are unenforceable.
So today I have taken the first steps to identify if this is the case, obtaining the obligatory £1 postal order to request the information needed.

Hello

You've spent 10 years paying these debts so I wouldn't be surprised if you've paid back far more than you actually borrowed in the first place if they continued to add interest and charges when you began to struggle.

It's definitely time to take the first step towards establishing which of these debts are enforceable and which aren't.

If they've been assigned (sold) to debt purchasers then there may be other reasons for a debt to be unenforceable not just the credit agreement.

And if there's PPI involved then there may be the potential for refunds if they were missold. This would only be realistic if the debt has been sold on so your claim would be against the original creditor.

Let's see what transpires

I look forward to helping you on your journey.

Di

[Right-a-wrong]

Hi everyone, I have been reading with interest your very inspiring posts, which have made me rethink my current financial situation. A bit about me and my situation.

I began with a DMP in 2008, managed by StepChange. I have let this run completing annual reviews. I found the whole process of letters and threats , one person even contacted the HR department of where I work. I hadn’t ignored any requests for information at all, but found them very intimidating. Complaints to the financial ombudsman didn’t result in anything positive so my faith was lost in a system which should have managed this threatening behaviour.

The DMP has been paid regularly over this time.
My my partner isn’t aware of the DMP.

I have been unwell over the last 3 years, after a shock cancer diagnosis , with subsequent ongoing ill health caused by treatment, and the death of a very much loved father from cancer.


i feel the need to tackle the rest of this debt now, otherwise it will be running for another 10 years.

I have taken a look at my current debt all of which would have been initially taken out at some point before 2007. From looking at the many posts I wonder if they are unenforceable.
So today I have taken the first steps to identify if this is the case, obtaining the obligatory £1 postal order to request the information needed.

Please forgive me me if I don’t understand the terminology, if I ask questions that may seem to be easily explained.

I take this step knowing that there are so many supportive people who can guide me through this process, I am happy to take the challenge and feel confident with the support available within this lovely group.

I will post details of each debt in the required format.

Thank you all.

I joined earlier this year after much dithering and wish I had bitten the bullet years before. I have had some fantastic results since joining, and have peace of mind at long last, and all in a few short months. You are in amazing hands here, with caring, sharing people, knowledge is power. Good luck on your journey Rosebud!

[nightwatch]

Hi Rosebud.
welcome to your new home.
please feel free to ask any question you like and we will answer it as soon as we can.

please just remember we are volunteers on this site and sometimes we may seem to be here 24/7 we do have to do the General things in life. Eat. Sleep. Clean. Shop. Put the hubby back in his place.

we are not here to judge, just to help people get back in charge of their life and help explain the debt process in easy to understand English.

we look forward to helping you
NW xxx

[Rosebud]

Hi nightwatch , thank you, I know you are volunteers which is amazing not sure how you fit everything in. I will be mindful of that , letters have all been completed now. Will send then recorded delivery tomorrow, get the ball rolling. Will post updates. Thank you again I feel very reassured of the amount of support available. Xx

[Rosebud]

Hello

You've spent 10 years paying these debts so I wouldn't be surprised if you've paid back far more than you actually borrowed in the first place if they continued to add interest and charges when you began to struggle.

It's definitely time to take the first step towards establishing which of these debts are enforceable and which aren't.

If they've been assigned (sold) to debt purchasers then there may be other reasons for a debt to be unenforceable not just the credit agreement.

And if there's PPI involved then there may be the potential for refunds if they were missold. This would only be realistic if the debt has been sold on so your claim would be against the original creditor.

Let's see what transpires

I look forward to helping you on your journey.

Di

Thank you Di, I Think your very right I probably have paid back more money. The debts have all be sold on now, some a couple of times. I will collect all the info and update with details. Just wanted to get the letters completed which I have done tonight. Feel much better already, cant tell you how much I value the support.
Kind Regards.

[Rosebud]

Hi , well all letters have now been send 1st class recorded will see what turns up then.
In relation to the 12+2 days is this working days ?

[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.

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.

[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.

August 2019 : letter asking me to take control .... Plan ; file.

October 2019 , letter received informing me that the account has been purchased by Hoist Finance UK Holdings 3 Limited.

[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

August 2019: letter received offering 50% discount.

October 2019 : letter received stating to get back on track : FILED.

OCTOBER 2019 : letter stating that I am not a regular customer as I am not paying. FILED

NOVEMBER 2019 : letter saying that I have not responded and my urgent attention is required. FILED.

DECEMBER 19 : letter ... time to get back on track.. FILED

JAN 20 : letter offering me 50% off , FILED ( unenforceable)

Jan 20, further letter saying I am not a regular customer as I am not paying, FILED.

FEB 20 : letter , unable to contact me going to request Resolvecall to collect. Letter sent advising them to contact at me in writing only.

March 20 : letter from Resolvecall, to inform me that they have been instructed to collect outstanding balance. FILED

[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.

[Rosebud]

Type of account : BARCLAYCARD
DATE COMMENCED BEFORE JULY 2008
approx balance : 4900
Paid in full : prior to July 2008
OM DMP SINCE JULY 2008
status : I have no default letter
ACCOUNT OWNER : Link Financial

08/2014: letter from Barclaycard acknowledging DMP company.
10/16: letter from Barclaycard informing me that they have transferred the account to Asset Link Capital
Letter from Asset
09/17: statement from Link Financial
03/18: further statement from Link
10/18: statement received from Link, they have applied the £1 CCA

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

March 2019: statement received.

September 2019 : letter of complaint sent to link as they were contacting me on my work phone. Letter received back from they stating that they haven’t breached any of the guidelines ..... we shall see if they try ringing again.

October 19 : letter stating that Barclaycard are unable to comply with the CCA request , therefore the debt is unenforceable but the outstanding balance remains outstanding. PLAN ; securely filed away.

14/01/20 : letter received from link offering to get me back on track, FILED.

October 22: letter received from Moorcroft ( this is owned by Link) with possible further action which may include debt recovery action.

Do I need to send them a letter ? This is unenforceable , see above.

Would welcome thoughts , I really do not wish to have anyone call at the property.

so grateful for any thoughts as to how to proceed.

[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

Sept 19: letter received advising that they CANNOT COMPLY WITH MY REQUEST FOR CCA, THEREFORE UNENFORCEABLE ?. SAFELY FILED.

October 19: statement received.

DEC 19: letter received stating account soled to Asset Link ( No 5) Ltd. FILED

Dec 19: further letter same as above

JAN 20: letter .. offering to help me get back on track. FILED.

FEB 20: statement received

[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 mobile.

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.

[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

MAY 19: letter from Cabot asking me to set up payment plan.

May 19: letter from Cabot advising that they haven’t received payment from Debt management company and have been trying to contact them.

JUNE 19: letter from CABOT : requesting to set up payment plan.

MARCH 20 : letter welcoming me to Cabot ...

MARCH 20: letter from Cabot looking forward to hearing from me.