Stuckinarut UE Diary

[stuckinarut]

Sounds like a plan

Don't be in any rush to reply until it actually is needed

cheers for dropping in spud much appreciated

[stuckinarut]

Re: Hi guys not sure where to post my question {newbie} hope its in the correct place.

bank of scotland credit card
opened 29/6/1994
approx balance £6.057.28
last full payment june 2008
then DMP till aug 2012 then debt settlement plan till 4/3/2016. not paying at the mo.
Default dropped off.
Asigned to cabot think cabot printed the asignment themselves as both arirved in same envelopeLetter from cabot Financial uk ltd current creditor dated 13/05/2016 received 19/05 2016. dear blah your account. we want to make sure that you get the right support for your account so with that in mind we have asked NCO Europe ltd to manage your account from here on. we understand you have a debt advisor acting on your behalf and we have therefore also contacted them to inform them of the change. WHAT YOU NEED TO DO there is no immediate action you need to take as NCO Europe ltd will be in contact with your debt advisor directly if you no longer have a debt advisor please call NCO Europe ltd on 0330 060 1053 who will help manage your account and find a suitable solution based on your circumstances. your sincerely. Fine they know the debt advisor is no longer in the frame. wait on NCO
Letter Dated 23/6/16. NCO.
Dear mr blah. you may already be aware your account has been purchased by cabot. NCO resolve will continue to manage this on there behalf blah blah blah.
no rush to reply wait on there next letter. date file ignore.
Letter 16/7/16. NCO
Dear mr blah. Despite our recent written request that explained the reasons why we need clarification of your current position in terms of the management of your account. we note with some concern that we have not yet received this,we therefore need you to contact us in the first instance. blah blah.
No rush guys.date file ignore.
27/7/16.SENT CCA REQUEST TO NCO.recorded royal mail. (wait and see)

Letter Cabot Financial (Europe ltd) Lender 31/7/16.
statement of account blah blah.file ignore.
Also garbled msg left on answer machine by NCO to phone them regarding a personal matter. (ha ha wanting there cut no doubt) obviously ignore

2017
Letter dated 31/1/17 received 16/2/17 statement of account Lender cabot Financial (Europe ltd)
Still no reply to date from cabot or nco regarding cca request. ha ha long may that continue


2018
Welcome, your account has a new home!
Letter Dated 12/02/2018. Received 16/02/2018. current creditor Cabot Financial UK Ltd
Dear Mr Blah
Welcome to Cabot
The Cabot Credit Management Group owns you BOS Credit Card Account we previously asked NCO Europe Ltd to manage this account on our behalf. in order to continue providing you with the best possible service we have returned your account to Cabot to deal with you directly
the ref number you will need to use is (same as last one)
Please use this Ref going forward whenever you get in touch with us and when making payments
DISCOVER WHAT WE CAN DO FOR YOU
we want to give you a variety of options to manage your account with us.
you can take control of your account and manage it in the way you want.
Register your account online.so you can keep track of your balance make payments and set up your own plan.
OR CALL US on blah and talk to one of our customer consultants. they can talk you through the options for your account and find a solution that's right for you. if you are worried about making payments. Then you should still contact us. And we can guide you towards organisations which could help. ONCE YOU HAVE PAID YOUR ACCOUNT. we will send you a letter to let you know the account is closed.
Deborah Green blah blah
Date File ignore.





Letter dated 9/3/2018 Received 15/3/2018 Current creditor Cabot Financial uk limited
Dear Mr Blah
YOUR BALANCE IS WAITING TO BE PAID. Long may that continue.
WHERE TO GO FROM HERE. Don't know about you guys but I am away for the weekly shop.
Don't let debt hang over you. set up monthly plan Accept smaller lump sum.CONSIDER WRITING OFF REMAINING BALANCE.
Call us blah blah
yours etc
Deborah Green. Sorry Debs gona have to put you on hold for a few more years.Date file ignore

Letter dated 27/3/2018.Received 2/4/2018.current creditor cabot financial uk ltd.
YOU NEED TO MAKE A NEW PLAN
you need to call us to make a new plan for your account. if you let us know your budget we can help you work out a repayment plan that suits your current situation. There may be a very good reason why you couldn't continue your previous plan.yep a very good reason. If you are having problems financially there are organisations that can help. blah blah. it is important that you speak with us so that we can restart your plan as your balance is still waiting to be paid well fancy that? balance still waiting to be paid.
Call us. we will never ask you to pay more than you can afford blah blah thank goodness for that. cos I cant afford zilch
Date File ignore

Letter Dated 13/4/2018 Received 18/4/2018.Current Creditor Cabot Financial uk Ltd
Dear Mr Blah
we understand that you may have other priorities to deal with, but we can help you figure out how much money you have spare to begin paying off your account. Once we have worked out how much you can afford to pay, we will talk to you about how you can start making payments to suit you. PAY IN FULL. MONTHLY REPAYMENT PLAN DISCOUNT.
GET IN TOUCH. we cant help you if you don't talk to us. call us on blah. and discuss your account with our customer consultants
they can talk you through your income and expenditure and help you choose a repayment option that suits you. we need to hear from you soon our team will be trying to contact you in the meantime.
your etc Deborah Green

your all heart Debs date file ignore

Letter dated 8/5/2018. received 11/5/2018.current creditor cabot financial uk ltd.
TELL US YOUR BUDGET SAVE £50 (Wow Super duper)
All you need to do is call us on blah blah blah
Call us you have 4 weeks to claim this offer.
yours Dishy Debs Thanks Debs. could not possibly rob u of £50.
Date file ignore
Letter dated 21/6/2018 Received 25/6/2018 current creditor cabot financial uk ltd
Dear Mr Blah
OUR OFFER TO YOU.
We understand it can be difficult to clear your account in a short period of time especially if you have other priorities to take into account you bet i do. we believe we understand debt and wanted to share our thoughts with you.We will work with you to understand your financial situation if we can find an opportunity to repay this account in the short term. then we will help you make that happen. yep am sure u guys are all heart.we own your account and are prepared to reduce the balance in order to help you become free of this debt sooner. Subject to agreeing appropriate terms of repayment. knew there was a catch.
Next steps if you would like to take us up on our offer then call us on blah. if this is not suitable then you need to advise us of your proposal to clear your account well how about i propose ZILCH This account may affect your credit rating and your ability to get credit in the future Ask our team if its registered Well let me think on that one for a mo? nope not registered default fell off ages ago date file ignore

Letter dated 18/7/2018. Received 25/7/2018 no current creditor. just headed cabot financial.
Dear Mr Blah Set up a payment plan and wee"ll treat you with this gift card
whoopee doo.
your ref your account your outstanding balance blah blah
How it works
give us a call on blah and speak to one of our customer consultants (catchers) agree an affordable plan Tell us the number on your gift card And then 7 days after your first payment We will load your card with SHIT Amount so you can treat yourself or anyone you like
cheers lets see ok got it 3 bags of crisps 1 bar of chocolate 1 can of diet coke. (oh and can i get 3 straws plz? on a tight budget here

Evening people hope all is well. Anybody else getting these Fabulous offers of gift cards from our dear freinds?

[The Tech Clerk]

no doubt the old == you pay then we will pay x xxx rubbish (in lieu of discounts = type been around for years

[Still Waving]

Evening people hope all is well. Anybody else getting these Fabulous offers of gift cards from our dear freinds?

I recently received a Summer Offer in a pineapple-bedecked envelope. The offer was for me to pay the equivalent of one quarter of the outstanding balance, and close the account. Lovely, but as it is now SB I don't think so.

[Joanna Connolly Solicitors]

May I just clarify something please

On 27th July 2016 you sent a s 77-79 CCA Request to NCO (a Debt Collection Agency) not to Cabot (the debt owner).

You've had no response whatsoever from NCO (the DCA) nor from Cabot (the debt owner) to that request - not even an acknowledgement.

Is that right?

I'm trying to establish whether Cabot could argue that they were never sent a CCA Request (it may depend on when NCO ceased to be their 'agent').

Di

[stuckinarut]

May I just clarify something please

On 27th July 2016 you sent a s 77-79 CCA Request to NCO (a Debt Collection Agency) not to Cabot (the debt owner).

You've had no response whatsoever from NCO (the DCA) nor from Cabot (the debt owner) to that request - not even an acknowledgement.

Is that right?

I'm trying to establish whether Cabot could argue that they were never sent a CCA Request (it may depend on when NCO ceased to be their 'agent').

Di

Hi Diana Thanks for looking in. much appreciated. i sent the request to NCO 27/july/2016 it was signed for on delivery. However no Acknowledgement from them regarding receiving it Got an almost inaudible message left on my answerfone from them asking that i phone them regarding a personal matter. And thats all from them since. Got a statement of account lender claiming to be cabot europe 31/july/2016. thats all. next letter again statement of account cabot europe.31/july/2017. Then nothing till 16/feb 2018 Welcome to cabot. lender cabot Financial uk ltd. we have asked NCO To return your account so you get best service blah blah No Acknowledgement from them either regarding the request. still all quiet regarding Acknowledgement

[Joanna Connolly Solicitors]

i sent the request to NCO 27/july/2016 it was signed for on delivery. However no Acknowledgement from them regarding receiving it
. . . Then nothing till 16/feb 2018 Welcome to cabot. lender cabot Financial uk ltd. we have asked NCO To return your account so you get best service blah blah No Acknowledgement from them either regarding the request.

Okay, so there's no ambiguity that NCO were acting as agents for Cabot when you sent your CCA Request. If it becomes an issue you can always send another one direct to Cabot but don't do that yet.

I note the debt was assigned to Cabot Financial (UK) Ltd

Di

[The Tech Clerk]

I note the debt was assigned to Cabot Financial (UK) Ltd - Oh dear!

[stuckinarut]

Okay, so there's no ambiguity that NCO were acting as agents for Cabot when you sent your CCA Request. If it becomes an issue you can always send another one direct to Cabot but don't do that yet.

I note the debt was assigned to Cabot Financial (UK) Ltd

Di

Yes going to hold off sending request to cabot for as long as is possible. hopefully if and when i have to send one they will waste another 18-19 months or so. Thanks again Diana for looking in.

[stuckinarut]

I note the debt was assigned to Cabot Financial (UK) Ltd - Oh dear!

Hi Tech Clerk Thanks for looking in. Yes crying shame that its Cabot Financial uk Ltd

[stuckinarut]

Re: Hi guys not sure where to post my question {newbie} hope its in the correct place.


my wifes account

virgin money credit card started way back will update
approx balance £5230
last full payment june 2008/then DMP till Aug 2012/ then settle my debt (new company) the debt settlement plan/ended 4/3/2016
default dropped off
assigned to link financial not paying at the mo. all quiet so far
Letter from link 13/ 05/ 16/ dated 10/05/16.we have received confirmation you elected advisor is no longer dealing with financial matters on your behalf. please contact our offices etc.to discuss future repayments on the above mentioned account. alternatively complete and return the personal budget plan on reverse of this letter indicating you offer of repayment and preferred due date. do we send for the credit agreement now? or wait for the next contact? Still all quiet on this one. only ever had the one letter from them? so whats best here people? sit tight or send off the cca? any advise would be appreciated thanks

letter from link dated 19 september previously written tried to phone etc we are sure you have a good reason for not contacting us. phone us so we can discuss repayment plan etc.received 22nd.
poping off cca request tommorow 23rd
letter dated 9th received 16/11/16 dear mrs blah. we write further to your request for information under s77/78 of the consumer credit act 1974. WE REGRET.that we are unable to comply with your request and refunded your £1 payment which we have enclosed. although the agreement is currently uneneforciable we inform you that we may rightfully continue to pursue the balance of this account and continue to register any arrears or default with the credit reference agencies.

They Regret we don't ha ha over the feckin moon with that



2017
However the latest con trick.
URGENT CONTACT REQUEST.
link financial outsourcing ltd.
please contact the team on blah blah.
YOU CAN CONTACT AN ACCOUNT OFFICER ON BLAH.
or alternatively via web site to make IMMEDIATE PAYMENT.
HELL WILL FREEZE OVER FIRST. ha ha they sent this to MY e-mail. now i dont have any dealings with them personally. and they dont have any paperwork to back up there claim. question is how did they get my e mail address? getting a bit desperate i think
Letter dated 7/11/17 received 10/11/17.
we have previously written and attempted to call you regarding YOUR ACCOUNT.we are sure there is a good reason for not making contact with us.
and you intend to make payments to clear your outstanding balance. please call us on blah we are here to help you find an affordable repayment plan to suit your circumstances
well the circumstances are the current repayment plan is the only affordable one
Letter dated 30/11/17. received 27/12.17.
STATEMENT OF ACCOUNT
please retain for your records blah blah blah
well they even included a FCA information sheet regarding Arrears. Date file ignore

2018
Letter Link Dated 3/4/2018 Received 9/4/2018
Dear Mrs Blah
We have not written to you for some time as we have had to validate your address REALLY
We would like you to contact us on blah blah to confirm your intentions regarding the outstanding balance on your account. oh please do you really need help with this? Alternatively you can visit website or e-mail or txt on blah eh no thanks peepsdate file ignore
Automated phone call from Link 8/5/2018 call us on blah blah. Fat chance =No chance Ignore

Letter dated 22/5/2018. Received.25/5/2018.LET US HELP YOU GET BACK ON TRACK..Am well on track thanks.
you will be aware that account blah previously owned by link financial ltd is being serviced by link financial outsourcing ltd. eh no
we have been trying yes you sure are.to contact you worrying time blah blah Account officers etc etc phone us on blah
or if you feel more comfortable contacting us in writing. use Address at top of letter. yep sure thing will write in a few years. in the growing pile
Letter dated 23/5/2018. Received 26/5/2018. Duplicate of above? ha ha must be confusing all those letters to send did i send that one? oh send it again to make sure. in the pile
Email. 6/6/2018 From Link outsourcing URGENT CONTACT REQUEST. Surely not. Ignore

Letter dated 7/6/2018 Received 11/6/2018.
Dear mrs blah. we have previously written to you about this account .which has been sold to LINK FINANCIAL LTD.we would like to organise a time to talk to you yep bet you do how about 17/6/2027.
They go on about credit files etc etc and how horrible it would be etc etc Dropped off ages ago
It can be a worrying time etc etc Eh no not worried at all thanks.
Call our blood hounds oops sorry account officers on blah blah NO Date file ignore.

Letter dated 31/5/2018 Received 18/6/2018 Statement of Account in line with consumer credit act 1974 blah blah. Dear Mrs Blah you are encouraged to call us on above telephone number no thanks current arrangement is fine

Letter dated 25/9/2018. Received 29/9/2018.
Dear Mrs Blah. we have not written to you for some time as we have had to validate your address.What? validate the AddrIess Again??? they really need to take better care of those house numbers ha ha think of the saving on the postage.
We would like you to contact us on blah blah.No Thanks Date file ignore.
Letter no date on letter received 25/10/2018 Please read this letter carefully. ok no problem.
Dear Mrs Blah. your debt was sold to link financial ltd effective 20/03/2009 but to date we have reached no conclusion with you on how this sum will be repaid.
Although we are entitled to immediate repayment of blah blah. we write now to give you the opportunity to clear this debt by monthly instalments of blah by way of a direct debit mandate simply return the completed mandate blah blah to make a start to reduce the balance. if you are unable to afford the amount shown but want to start making payments . please contact us on blah and a member of the team will be more than happy to help. I bet a member of the team would be over the feckin moon if we phoned up. However date file ignore

Perhaps these guys should read the Letters more carefully and pay more attention to the absence of aggreements

[nightwatch]

Perhaps these guys should read the Letters more carefully and pay more attention to the absence of aggreements

I have today received the exact samr template/ letter.
as mine is UE and SB , i will be ignoring the missive and filing it.
I could put them out of their misery but I like to think I ame keeping someone in employment.
NW x

[stuckinarut]

I have today received the exact samr template/ letter.
as mine is UE and SB , i will be ignoring the missive and filing it.
I could put them out of their misery but I like to think I ame keeping someone in employment.
NW x

Ha ha no point in spoiling the fun N/W help keep your postie in a job. take care x

[stuckinarut]

Re: Hi guys not sure where to post my question {newbie} hope its in the correct place.

Bank of Scotland current account.opened 27/12/2001
approx balance £2012
last full payment June 2008 then Dmp till 2012 then debt settlement plan till 4/3/2016. no payments at the mo
status was on AP WITH BOS.
sold to Cabot 11/12/2012 defaulted by them.back dated to 2010? all quiet so far
Letter dated 23/5/16 Received 30/5/16.Current creditor Cabot Financial uk Ltd. An alternative solution for your account. we would like to give you the opportunity to be free of this account. with an alternative solution for you.We can help you be free of this debt. what you owe. what you could pay. amount saved. we do want whats best for you so if you want to take us up on this offer we need to be sure you are up to date with your priority bills. CALL US.

Well Debs help me be free Don't bother with it. Date file ignore.Discount =40% (fat chance) call us to discuss your situation then sorry you wont qualify

Letter Dated 4/6/16. Received 10/6/16.Current creditor Cabot Financial uk Ltd. YOUR ACCOUNT.We haven't received your last payment from your debt management company. we've been trying to get in contact with them but they haven't responded so we have decided to get in touch with you. blah blah blah

Haven't received your last payment? (no shit Sherlock)

Letter Dated 19/6/16. Received. 25/6/16.Current creditor Cabot Financial. uk Ltd LETS WORK TOGETHER. Set up a monthly payment plan. See if you can get a DISCOUNT on your account and make a one off payment. CONTACT US. by understanding your situation we can guide you towards help.

cheers for the offer Debs. ((but i already have help thanks). date file ignore

Letter dated 19/7/16. Received. 25/7/16. Current creditor Cabot Financial uk Ltd. COULD I PAY LESS. blah blah WHERE CAN I GET ADVISE. blah blah
Yep i could pay zilch. And plenty advise here. date file ignore

sent first o/d letter recorded 30/7/16 then away for 2 weeks
Letter dated 9/8/16. not sure when received cos was away. Thank you for your letter blah blah blah. i am sorry you have concerns about the lending of this account. blah blah. Further to this your comments regarding annual reminders copies of agreements and an annual renewal form should all have been done by bank of Scotland. Cabot cannot be held accountable for this . i enclose details for bank of Scotland so YOU can contact them. i will hold your account for 21 days to give you Time then no option but to return to collection process.Amy Notley
well sure thing Amy. return away. second o/d letter shortley

second o/d letter sent recorded 25/8/16.

Letter dated 2/9/16/Received 8/9/16.Current creditor Cabot Financial uk Ltd YOUR BALANCE IS WAITING TO BE PAID. WHERE TO GO FROM HERE. dont let debt hang over you set up payment plan. Accept smaller lump sum payment and CONSIDER writing off the remaining balance.

payment plan NO. consider writing off the remaining balance? well well must say you are all heart Debs. (been returned to Deborah green) date file ignore

Letter dated 11/10/16. Received 18/10/16Current creditor Cabot Financial uk Ltd . TAKE POSITIVE STEPS TO REPAYING. pay in full. monthly repayment plan. Discount. TALK TO US.

talk to us? Eh NO THANKS. date file ignore


Letter dated 31/10/16. Received 9/11/16. ANNUAL SUMMARY OF YOUR ACCOUNT.
CHEERS for that guys. interesting stuff. wasn't to sure when the last payment was made due to the DMP peeps a bit lax with statements etc. but now i know the last payment received by them was 14/3/16.(chuckle)
Letter dated 6/11/16. received 11/11/16 Current creditor Cabot Financial uk Ltd. What we can do for you. we would like to hear from you. we'd like to help you clear your Account. HOW MUCH WILL YOU HAVE TO PAY? we have enclosed an income expenditure form for you to complete and return. you could also do this over the phone. if you would rather be free of this debt quickly then we can offer you a discount on your account. TALK TO US.

No thanks Debs kind offer tho. date file ignore
Letter dated 7/12/16. received 10/12/16. current creditor Cabot Financial uk Ltd.
Tell us your Budget save £50
we want to help you positively on your journey to repaying this account once you start paying back your account we will reduce your balance by £50 All you need to do is call us and fill out a budget form. we will make sure you can afford important bills like food and rent. then work out what spare money you have blah blah
CALL US
£50 off WOW Fantastic offer guys thanks a bunch cant wait to pick up the phone (for a take away)




2017

Letter dated 24/2/17 received 1/3/17.Current creditor Cabot Financial uk Ltd NEXT STEPS. We have tried to contact you on a number of occasions so that we can understand your financial .situation. cos we have been unable to contact you we are going to instruct a company called MOORCROFT. to try and arrange a home visit to put you back in touch with us. if you would rather speak direct with us call us within the next seven days. we look forward to hearing from you.

Doorstep letter sent to cabot sent recorded on Friday 3rd march. was gona do it Thursday but no ink in the printer so had to wait till Friday wait and see
what comes

Letter dated 6/4/17. received 8/4/17. MOORCROFT. our client Cabot has informed us despite numerous attempts they have been unable to contact you. they have therefore passed your account to us for collection this may include a home visit etc blah blah. or you can call us on blah blah.
Doorstep letter sent to MOORCROFT. SENT RECORDED. 10/4/17. wait and see

Letter from MOORCROFT. dated 13/4/17. received 18/4/17. thank you for your commuication we can confirm we are an appointed debt recovery company. And our contact is legitimate reason in line with our clients instruction. the time of any visit would be confirmed. and if the customer is not available at the time of the reconnection visit the letter will be posted. however we wish to prevent such a visit and we provide our full contact details. we will hold recovery action our client has requested for 14 days till 27/4/17 to await your contact
Gona have a long wait then guys.These guys surely dont know what an invitation means. ha ha looks like they are gona invite themselves.{phees letter to hand}
27/4/17. MOORCROFT. Telephone call lunchtime.
Well that was quick. the deadline to contact them was 27/4/17. still plenty time to ignore them before there deadline expired. like a greyhound out of a trap these guys.cant even wait on there own deadline to expire. Blocked the number they used. just wait on charlie chuckle brother to knock the door now{hope i am in if he does}
Moorcroft phone call 3/5/17.
Moorcroft phone call 6/5/17 1.59pm zapped by blocker
Moorcroft phone call 9/5/17 lunchtime zapped by blocker
Moorcroft phone call 10/5/17 lunchtime zapped by blocker
Moorcroft phone call 12/5/17 3.02pm. zapped by blocker
Moorcroft phone call 16/5/17 10.52am zapped by blocker
Moorcroft phone call 17/5/17 lunchtime zapped by blocker
Moorcroft phone call 18/5/17 9.25am
Moorcroft phone call 19/5/17 9.21am zapped by blocker
They should at least try a new number? still got loads of room on the blocker.
Moorcroft phone call 22/5/17 lunchtime.left what sounded like an automated msg asking to phone them (fat chance)
Well at long last they used another number. now blocked as well
Moorcroft letter dated 10/7/17. received between 12th/16th. (was away a few days) If you set up a plan to pay £50 a month you will be free of this debt in a few months. However we are flexible you can pay more or less depending on your circumstances CONTACT US TO AVOID FURTHER DEBT COLLECTION ACTIVITY. BY RECEIVING FURTHER LETTERS AND PHONE CALLS.
No thanks guys. date file ignore
Letter from cabot dated 19/8/17 received 26/8/17Current creditor Cabot Financial uk Ltd zone b Accept a smaller lump sum
your account was being managed by an agent of ours. We have decided we would like to work with you directly and have asked them to return it to us.
we know you have previously made payments to our agents. And we want to support you by helping you set up a personal payment plan. A NEW PLAN BUILT FOR YOU. we specialise in flexible payment plans built around our customers. WE CAN TALK TO MAKE SURE ITS AFFORDABLE.
Well Well just loving the support Debs. i have never paid any of there agents. as well they know. the personal payment plan in place at the moment is the affordable one( zilch) think i will stay with this one
date file ignore
Letter dated 9/9/17/ received 15/9/17.Current creditor Cabot Financial uk Ltd (zone b)
WELCOME BACK TO CABOT. your account has been returned to us and we are still waiting to hear from you we know you previously made payment on this account with our agents and would like to help you on to one of our special payment plans.
A NEW PLAN BUILT FOR YOU.talk about different options. pay monthly.BUT we can offer you a discount to settle. DEPENDING on your circumstances. we want to help. take control of your account. call us.
well at the moment i am in control Debs.thanks for the generous offer tho. much obliged. date file ignore
Letter dated 11/10/17 received 17/10/17 current creditor Cabot Financial uk Ltd
YOUR BALANCE IS WAITING TO BE PAID.
thank you for paying in the past. we appreciate that you tried to pay your account. you still have 2k plus to pay.
WHERE TO GO FROM HERE.
dont let debt hang over you .set up a monthly plan. accept a smaller lump sum and CONSIDER. WRITING OFF THE REMAINING BALANCE.
inform you where you can find additional help CALL US
Devious words ha ha we appreciate you tried to repay your account (here was me thinking it was there account since THEY bought it for pennies) accept a smaller lump sum and CONSIDER writing off the balance. well consider it written off Debs
Letter dated 29/10/17. received 2/11/17.Current Creditor Cabot Financial uk Ltd
YOU NEED TO MAKE A NEW PLAN. you need to call us to make a new plan for your account. if you let us know your budget we can help you work out a repayment plan. there may be a very good reason why you could not continue with your previous plan.it is important that you speak with us so that we can restart your plan. Call us.
Quite happy with my plan at the moment Debs. and yep i bet it is important that i call you. (said the spider to the fly) so gona pass on that one all the same. date file ignore
Letter dated 15/11/17. received 18/11/17 Current Creditor Cabot Financial uk Ltd. WORKING WITHIN YOUR BUDGET. we understand you may have other priorities to deal with. But we can help you figure out how much money you have spare to begin paying off your account. once we have worked out how much you can afford to pay. we will talk to you about how you can start making payments to suit you. blah blah. we have included a budget form for you to complete and send back to us. with this we can help put together an affordable plan for you. THERE ARE OTHER OPTIONS. pay in full. monthly payment plan. Discount. GET IN TOUCH. we cant help you if you dont talk to us. WE NEED TO HEAR FROM YOU SOON .our team will be trying contact you in the mean time
Yep no doubt your team will be trying there best to make contact (how else will they get there christmas bonus) not from me if i can help it Deborah Green.
date file ignore
Letter cabot dated 10/12/17. received 15/12/17 Current Creditor Cabot Financial uk Ltd
TELL US YOUR BUGDET (SAVE £50)
save £50 on your account with us when you update us with your current situation and start repaying. All you need to do is call us and fill out a budget form we will make sure you can afford important things like bills food rent etc then work out what spare money you have.
CALL US you have 4 weeks to claim this offer.
well looks like am gona get no more junk mail till Jan 18. ha ha superb (wot they like eh? had the £50 off offer before)

2018

Letter dated 24/1/2018 Received 27/1/2018 current creditor cabot financial uk ltd
Dear Mr Blah
A NEW APPROACH.
we are hoping a new approach could help you be free of this debt
you may have questions about who we are, how your account got to us, or what can be done to move forward with your account. we believe our team will be able to help. if you contact us, our consultants can help you understand what is happening with your account and they are experts in setting up repayment plans that fit your individual circumstances
our goal is to understand what will work best for you and we will always ensure that what we agree is affordable for you
TALK TO US
please call us on blah blah
we look forward to hearing from you soon
your sincerely Deborah green

NEW APPROACH. stop writing your consultants (waiting to turn the screw no doubt) yep debs i get it no need to help me understand. whats best for me? let me ponder. got it continue current arrangement =zilch talk to you eh no. date file ignore

Letter Dated 23/02/2018. Received 28/02/2018. current creditor cabot financial uk ltd
Dear Mr Blah
HOW WE CAN HELP.we help thousands of customers each month blah blah
OUR CUSTOMER.
Balance Expenses Income Remaining Available
solution 1 blah blah
solution 2 blah blah
These solutions are for illustrative purposes only any solution we offer will be based on what you tell us about your financial situation.
TALK TO US. we understand that every customers situation is different blah blah blah
please call us on blah blah
yours sincerely
Deborah Green

Date File Ignore

Letter Dated 26/3/2018. Received 29/3/2018 Current creditor cabot financial uk ltd
Dear Mr Blah. As we have not been successful in finding an appropriate solution. we are considering sending your account to an external debt collection company. and we urge you to contact us within 14 days.
is there anything else we can do to answer your questions or to help you with your account?
discount blah blah
monthly payment blah blah
CONTACTING CABOT. blah blah
Yes Debs you can help with the account by putting it aside for a few more years. she must have forgotten they already tried an external debt collector oops another little problem with red turning grey

Letter dated 25/4/2018. received 28/4/2018 current creditor cabot financial uk ltd

Dear Mr Blah
your balance of blah is waiting to be paid.You need to repay this amount there are different options for you to choose from.
PAY IN FULL
why should I pay in full? you can pay your account off completely over a few months, if this account is on your credit fileonce we have received your final payment we"ll update your credit file to satisfied. Don't they know if on my credit file?
Discount offer
How much of a discount? it will depend on how much you can afford.not much you can either make an offer yourself, or talk to us about your affordability first so we can offer you a discounted amount.
CAN I PAY THIS OFF OVER A FEW MONTHS? yes,if this is the right plan for you.
HOW WILL THIS AFFECT MY CREDIT FILE? if this account is on your credit file we will update your credit file to show partially-settled with the amount set to nil sounds good go set it to nil this will show that the amount has been paid off but at a smaller amount.
MONTHLY REPAYMENT PLAN
How much will I have to pay?
complete a budget form and we will work out a plan based on what you have spare each month. we will never ask you to pay back more than you can afford.
CONTACT US.
Call on blah
yours Dishy Debs Date file ignore

Letter dated 25/5/2018. Received 1/6/2018 current creditor cabot finacial uk ltd

Dear mr Blah your balance of blah is waiting to be paid. you need to repay this amount. let me think.
Different payment options for you. pay in full. monthly payment plan. discount Debs then goes on about how rosie my credit file will look once it is partially settled etc. Not even visible on the file dropped off ages ago. contact us phone or e-mail but remember to include your ref number
yours sincerely Dishy debs.Duplicate of previous letter date file ignore

Letter dated 5/9/2018. Received 8/9/2018. current creditor cabot financial uk ltd
Dear Mr Blah. OUR OFFER TO YOU.
we understand that it can be difficult to clear your account in a short period of time blah blah blah.
we believe we understand debt. blah blah .
we will work with you to understand your situation blah blah blah.
we own your account and are prepared to reduce the balance in order for you to be free of this debt sooner.
subject to agreeing appropriate terms of repayment..if this is not suitable then you need to advise us of your proposal to clear your account. This account may affect your credit rating etc blah blah. ha ha wot are they like eh. prepared to reduce the balance how kind
Next steps blah blah. yours Deborah green. No thanks debs. Date file ignore.

Letter dated 5/10/2018 .Received 10/10/2018. current creditor cabot Financial uk ltd.
Dear Mr Blah
We have not heard from you. Really?
Despite repeated attempts to contact you, we have been unable to gain your commitment to repay your debt.
Next steps
The balance is due and we have advised you of several options that are available, all of which are an attempt to help you be free of this debt. Well thats thoughtful cheers.
You can make monthly payments or make a proposal to clear your account at a reduced balance over several months
Reduced balance eh. sounds good to me. how about that.
Talk to us. please call us on blah.
if we dont hear from you we will continue to contact you, so that we can try and help you take steps towards being free of this debt
Yours etc Deborah green
Date file ignore

2019
Letter From Cabot Financial (no date) Received 7/1/2019
cabot ref original lender blah blah
As we have been unable to reach agreement. we have passed your account to Debt managers services ltd
Debt managers services ltd will be in touch to help you set up an affordable payment plan blah blah
wait and see what comes next ha ha trouble with holding onto the red colour not to fuss tho

Looks like Deborah green has got a wee bit fed up. And passed it onto these guys. Anybody have any experience of debt managers services ltd?

[cymruambyth]

Yes, a bit toothless and easy to get rid of!