Enough now

[Rosebud]

Thank you for updating, keeps us in the loop xx

Hello NW , oh your very welcome, feels nice to have such lovely people supporting me xx

[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

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

14/12/2018: letter received from Westcot, requesting me to urgently contact them to discuss my payment plan ......

PLAN: File

Updated with recent letter, my plan is to file letter.

[Rosebud]

[QUOTE=Rosebud;n1514972]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.

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.

My PLAN is to file letter safely

14/12/2018 : letter received from Westcot requesting urgent contact to discuss repayment plan .....

PLAN : File letter

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.

20/12/2018: letter from Cabot Financial stating that I have missed a payment , they have been trying to contact me .....
PLAN : file letter

Update as above.

[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.

20/12/2018: 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

Update as above.

Wishing you all a very Happy Christmas .
Huge thank you to admins, Di and everyone whose contribution is gratefully received.

[Joanna Connolly Solicitors]

Update as above.

Wishing you all a very Happy Christmas .
Huge thank you to admins, Di and everyone whose contribution is gratefully received.

Good to see your updates prior to Christmas.

From what you've posted there's nothing you need to do right now (unless you've been sent a Letter Before Claim?).

Enjoy the holidays

Di

[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

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

14/12/2018: letter received from Westcot, requesting me to urgently contact them to discuss my payment plan ......

PLAN: File

27/12/2018: 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

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.

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

14/12/2018 : letter received from Westcot requesting urgent contact to discuss repayment plan .....

PLAN : File letter

27/12/18: 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

Update as above

[Rosebud]

Type of account : Marks & Spencer personal reserve
date commenced : before July 2008
Approx balance : 1588.18
Date last paid : before July 2008
On DMP from July 2008
Status : default
Account owner : Idem servicing

09/11/09: letter from M & S advising that the monthly offer is acceptable.
23/12/09: letter from M & S acknowledging sum of £27.68, enclosing a’giro slip’.
17/11/10: letter from M & S requesting me to contact them .
26/02/13: 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.
13/11/13: statement
16/04:14: statement
04/03/15: F&F offer made
12/03/15: letter from Moorgate wanting financial statement to consider my offer
08/04/15: letter from Moorgate wanting to know of priority debts are up to date....
16/04/15: statement
28/04/15: letter from Moorgate declining my F&F offer
18/04/16: statement
3/11/16: letter from Moorgate informing me that my account has been purchased by Idem.
23/11/16: Welcome letter from Idem
04/01/17: statement
18/04/17: statement
12/10/17: letter from Idem acknowledging my offer to pay F&F , need further information,
24/10/17: letter from Idem stating they have been unable to contact me ...
05/11/17: F & F offer sent by post.
10/11/17: letter from Idem declining my F&F offer....
16/04/18: statement from Idem
14/09/18: CCA request sent.
19/09/18: letter from Idem thanking me for my recent CCA request.
02/10/18: 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 ....

24/12/2018: 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.

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 : £2525.48
Date last paid: before July 2008
On DMP , running from July 2008
Status : default
Account owner : Idem servicing

26/06/09: letter from MBNA re my ‘financial difficulties ‘.
04/10/11: letter from MBNA re my ‘financial difficulties ‘.
04/10/11: Default notice, to remedy this ‘breach’ need a payment of £5402.44
22/11/11: letter from MBNA informing me that my account has been terminated £7366.05 outstanding.
25/01/12: welcome letter from Idem
04/01/13: statement
06/01/14: statement
05/01/15: statement

03/10/17: letter sent to Idem offer F&F
10/10/17: letter from Idem stating they are unable to accept F&F offer.

04/01/18: statement
18/09/18: letter from Idem thanking me for my recent CCA request.
02/10/18: letter from Idem stating they are unable to supply me with a cope of CCA......
13/10/18 letter received today from MBNA advising me that they should have sent me a Notice of Sum in arrears
in AUGUST 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.

24/12/2018: 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

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 : £2525.48
Date last paid: before July 2008
On DMP , running from July 2008
Status : default
Account owner : Idem servicing

26/06/09: letter from MBNA re my ‘financial difficulties ‘.
04/10/11: letter from MBNA re my ‘financial difficulties ‘.
04/10/11: Default notice, to remedy this ‘breach’ need a payment of £5402.44
22/11/11: letter from MBNA informing me that my account has been terminated £7366.05 outstanding.
25/01/12: welcome letter from Idem
04/01/13: statement
06/01/14: statement
05/01/15: statement

03/10/17: letter sent to Idem offer F&F
10/10/17: letter from Idem stating they are unable to accept F&F offer.

04/01/18: statement
18/09/18: letter from Idem thanking me for my recent CCA request.
02/10/18: letter from Idem stating they are unable to supply me with a cope of CCA......
13/10/18 letter received today from MBNA advising me that they should have sent me a Notice of Sum in arrears ,
in AUGUST 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.

24/12/2018: 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 3/1/19 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 4/1/19: statement

letter dated 10/1/19, ‘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

Update as above.

[Rosebud]

Well I have had my first phone call from Cabot this morning, they never had any of my personal details. I have blocked the number they phoned from and the one they left for me to phone them. Didn’t say a lot on the message left except to phone them. I have started a log of calls as I am sure that they will phone again on different numbers.

[nightwatch]

cabot use the same number for the automatic calls, I know, they have just got their hands on my Nationwide account,
they say it is a personal call and to press 1 if free to talk now, as they don't say who the call is for and, I am not free,
we all ignore it.

[Rosebud]

cabot use the same number for the automatic calls, I know, they have just got their hands on my Nationwide account,
they say it is a personal call and to press 1 if free to talk now, as they don't say who the call is for and, I am not free,
we all ignore it.

Hi NW, They did say my name at the start.....but happy to ignore. If the phone calls start becoming more intrusive I shall ask for advice. I was at work when they phoned fortunately I was on the phone so couldn’t take the call anyway, I will now be more vigilant and not accept any calls from numbers that I am unfamiliar with.
just a quick question, I have moved house recently but haven’t given them my new address, I initial thoughts are not to give it to them. What do you think ?

[nightwatch]

are you having your post redirected?