Enough now

[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 stating they have been trying to make contact with me on a number of occasions, should they not hear back from me they will appoint an external agency Resolvecall to visit my property , the purpose of which is to regain contact with me ...... Plan : File

UPDATE AS ABOVE .

[Rosebud]

Update on harassment phone calls from Cabot , they have now stopped. Thank you.

[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.

Update as above.

[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

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.

Update as above

[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.

Update as above.

[Rosebud]

As an aside
When I sent a telephone harassment letter to a rather persistent PDL (from one of the Baltic states I think) I included both the phone numbers they had been calling. That way, I had evidence I had told them.

They did stop calling my mobile but not my landline but as I am out most of the time that didn't matter. They have long since gone quiet and let it go SB

Hi Warwick , thank you for your reply , that’s a good idea , I have kept the messages on my phones blocked the numbers which are all different. No calls today.
Letter has been sent recorded delivery. Will wait and see.
Many thanks. Enjoy your evening.

[Rosebud]

if the accounts are all with same company reference each one in heading references:_

Hi thank you managed to see your reply before I posted. 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

Update as above

[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

Feb 19, letter received from Cabot advising account returned to them and that they are still waiting to hear from me . PLAN : FILE

Update as above

[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.

Update as above.

[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.

Update as above.

[Rosebud]

I would only send the harassment letter in relation to accounts which have been specifically mentioned in any message or phone call.

You don't want to awaken an account which has become dormant in case it gives them the idea to pursue you again.

Di

Thanks Di, I have sent the letter today recorded delivery relating to the 3 accounts stated. Will wait and see. No phone calls today although 2 more letters which I will update in a min.

[Warwick65]

As an aside
When I sent a telephone harassment letter to a rather persistent PDL (from one of the Baltic states I think) I included both the phone numbers they had been calling. That way, I had evidence I had told them.

They did stop calling my mobile but not my landline but as I am out most of the time that didn't matter. They have long since gone quiet and let it go SB

[Joanna Connolly Solicitors]

Would you suggest that I send one for each account they have stated or will one do ? They hold more accounts but haven’t mentioned these in any message ?

I would only send the harassment letter in relation to accounts which have been specifically mentioned in any message or phone call.

You don't want to awaken an account which has become dormant in case it gives them the idea to pursue you again.

Di

[The Tech Clerk]

if the accounts are all with same company reference each one in heading references:_