Announcement

**stuckinarut** · 22 May 2019, 21:48

Originally posted by Diana Mayhew View Post

You've made your point even if they choose to ignore it.

So I would just file and ignore their letter too

Di

Thanks for looking in Diana. cheers

**stuckinarut** · 28 June 2019, 22:47

Originally posted by stuckinarut View Post

Re:Hi Guys not sure where to post my question (newbie hope its in the right place)

Wifes
Halifax credit card started 28/3/2002
approx balance £10976
last fulll payment june 2008/then DMP till Aug 2012/ then debt settlement /ended 4/3/2016Default dropped off. assigned to cabot. assignment printed by them/ same envelope
not paying at the mo. all quiet so far
Letter dated 23/5/16. received 30/5/16. Letter states current creditor cabot financial uk ltd
Dear mrs blah.
An alternative solution for your account. we would like to give you the opportunity to be free of this account. so we have come up with an alternative solution for you.WHAT YOU OWE. WHAT YOU COULD PAY. AMOUNT SAVED. = 70% DISCOUNT.
we do want whats best for you. so if you want to take us up on this offer we need to make sure that all your priority bills are up to date.we could also be flexible with how you pay this amount. Dependent on your situation GET IN TOUCH. blah blah
Deborah green.
cleverly worded ignore for now. date file ignore

Letter current creditor cabot financial uk ltd dated 4/6/16
Dear mrs blah
YOUR ACCOUNT.
we haven't received your last payment from your debt management company. we have tried to contact them but they have not responded. so we decided to get in touch with you.
WHAT CAN YOU DO.
If you are still using the same debt management company we recommend contacting them to find out what is happening.
we would like to let you know the other options out there. stepchange etc etc
Deborah green.
she forgot to mention this wonderful website and forum. date file ignore

Letter current creditor cabot Financial uk ltd. dated 19/6/16
Dear mrs Blah
LETS WORK TOGETHER.
Dont let debt hang over you we can talk you through our different options and find a solution that suits you
set up a monthly payment plan
see if you can get a discount on your account and make a one off payment.
even if you think you cant pay we'd still like to talk to you. by understanding your situation we can guide you towards help. we help thousands of customers every month.
CONTACT US. blah blah
Deborah green
Very keen for a chat is dishy Debs. think we will pass on the phone calls tho. date file ignore
Letter current creditor cabot Financial uk ltd. dated 19/7/16.
Dear mrs blah
YOUR BALANCE IS WAITING TO BE PAID.
We have been trying to reach you to discuss your account but we haven't been able to get in touch
COULD I PAY LESS
MONTHLY PLAN
DISCOUNT
Ask where to get help with your finances
WHERE CAN I GET ADVISE
blah blah.
How can i contact you blah blah
Deborah green
Could i pay less? does she mean less than the current zilch. date file ignore

SENT CCA REQUEST 30/7/16 ROYAL MAIL RECORDED

Letter dated 31/7/16
Statement of account ref blah blah
LENDER CABOT FINANCIAL EUROPE LTD.

They seem to have SWITCHED LENDERS. from cabot financial uk ltd date file ignore

LETTER DATED 9/8/16 CABOT FINANCIAL
Dear Mrs Blah
Halifax cc ref - - - - -
Bank of scotland loan - - - -
Thank you for your requests for information under section 77-79 consumer credit act 1974. we currently do not have this information on file.
However i have requested the relevant details which will include a copy of the credit agreement statement of account and original and varied terms and conditions from the original lenders.
WHAT HAPPENS NEXT
I acknowledge the 12 day time limit to provide this information before the account becomes unenforceable however as we have to request the details from the original lender i anticipate that we will be able to provide this within 40 days. in the unlikely event we are unable to obtain this information within these time limits we will write to you again. if you have any queries please do not hesitate to contact us
your sincerely
Kayleigh Fisher customer support consultant

Looks like they are saving on the postage combining a cc and personal loan on the same letter

Letter cabot dated 14/10/16 received 21/10/16.
Dear mrs blah
Halifax cc - - - -
Bank of scotland loan - - - - -
Thank you for your letter received in our office dated 1/8/16. My name is kathycakebread i am the consultant that has further investigated your concerns and i hope to help you now by providing a resolution to this matter.
YOUR REQUEST FOR INFORMATION UNDER THE CONSUMER CREDIT ACT
Unfortunately we have not been able to provide you with the requested information within the relevant time period
WHAT HAPPENS NEXT
We shall continue to request the information from the original lender to assist you with with your request. in the meantime we would like to inform you that your accounts shall remain on hold with the customer care department until such time we can comply with your request
YOUR ACCOUNTS
Your credit agreements are currently unenforceable which means we are not permitted to obtain a judgement or decree against you in court. However you are obliged to repay the outstanding balance's as confirmed in this letter and therefore we recommend you contact us as soon as possible to set up a repayment arrangement.
INDEPENDENT ADVISE AND FINANCIAL DIFFICULTIES. blah blah

Well kathy we recommend no contact for at least the next 5years
2017
All quiet so
2018
Letter dated 12/4/2018 Received 16/4/2018 CABOT FINANCIAL (credit card)
Dear Mrs Blah information under the consumer credit Act 1974
please find enclosed all of the relevant information following your request for information under section (77-78) of the consumer credit Act 1974. in the event that we have provided a reconstituted true copy or your credit agreement for the avoidance of doubt this complies with the consumer credit (cancelation Notices and copies of Documents) Regulations 1983 and therefore complies with the obligations set out in section 77-78 of the consumer Credit Act 1974.
What happens next?
we consider that the agreement is now enforceable and therefore we are entitled to obtain a county court judgment against you. However we would prefer that you work with us to set up a repayment plan to settle your outstanding balance.
the status of your account blah blah please make contact with our customer operations department as soon as possible to discuss the options available for this account

well its only taken them 19months 2 weeks approx. to come up with this they also enclosed a statement of account of the payments they received from the now defunk Debt management company (settle my debt) what they sent was 7 double sided pages of what can only be described as generic terms and conditions etc. had the wifes name and address alongside Halifax. However no signature of any kind I think they are just taking a punt here?

Sent off to Niddy
Niddy says

Mpt letter when required

Letter dated 21/4/2018. Received 26/4/2018 CURRENT CREDITOR CABOT FINANCIAL UK LTD.
Dear Mrs Blah
YOUR ACCOUNT IS NO LONGER ON HOLD.
We agreed to put a hold on your account due to your situation.That time period has come to an end and we would like to hear from you so we can have an update on your situation.
our customer consultants will take the time to listen to you and discuss the options available for you
GET IN TOUCH.
call us on blah
yours sincerely
Deborah Green
well dishy debs its still on hold at the mo.date file ignore.
gona hold the MPT till they get shirty

Letter dated 22/6/2018 Received 27/6/2018 current creditor cabot financial uk ltd
Dear Mrs Blah YOUR BALANCE IS WAITING TO BE PAID.
Thanks for paying in the past blah blah.
WHERE TO GO FROM HERE. monthly plan smaller lump sum blah blah.
we help thousands of satisfied customers every month blah blah
CALL US. gona pass on that one debs dont fancy a chat at the mo
Date file ignore
Letter Dated 10/7/2018 Received (not sure came back from hols 14/7/2018)current creditor cabot financial uk ltd
Dear mrs blah.
YOU NEED TO MAKE A NEW PLAN.
You need to call us to make a new plan yep you sure do need an admission. blah blah blah
It is important that you speak with us yep must be important. We will never ask you to pay more than you can afford. we understand about food bills and other essentials never ask you to pay more than you can afford? thank goodness for that. for a mo i thought they wanted money. Call us on blah. no thanks busy at the mo. Date file ignore

Letter dated 27/7/2018. Received 30/7/2018 Current creditor. Cabot Financial UK Ltd
Dear Mrs Blah
working within your budget. we understand you may have other priorities etc etc etc
There are other options PAY IN FULL MONTHLY REPAYMENT PLAN. DISCOUNT
GET IN TOUCH
We can"t help you if you dont talk to us blah blah blah
no thanks debs cheers for the thought tho

Letter Dated 21/8/2018 Received 25/8/2018 current creditor Cabot Financial uk ltd
Dear Mrs Blah.
Tell us your budget, save £50
save £50 on your account when you update us with your current situation and start repaying.
All you need to do is fill out a budget form etc etc blah blah. Discuss whats comfortable for you blah blah.
CALL US. YOU HAVE 4 weeks to claim this offer. customer consultants waiting to help blah blah
Well whoopee doo. Date file ignore

Letter dated 5/10/2018. Received 10/10/2018.current creditor cabot financial uk ltd.
Dear Mrs Blah. A new approach.
we are hoping a new approach could help you be free of this debt. blah blah blah
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 Talk to us. no thanks Date file ignore
Letter dated 4/11/2018. received 9/11/2018 current creditor cabot financial uk ltd
Dear Mrs Blah. How we can help. we help thousands of customers every month blah blah. and we would like to help you
our customer (illustrative purposes only) solution 1 pay xxx clear this account within 2 years. solution 2 pay xxx clear this account within 5 years. TALK TO US. seems they forgot solution 3. Date file ignore.
Letter Dated 4/12/2018. Received 7/12/2018. Current Creditor Cabot Financial UK Ltd
Dear Mrs Blah YOUR ACCOUNT. As we have not been successful in finding an appropriate solution, we are considering sending your account to an external Debt collection company. and urge you to contact us within the next fourteen days. is there any thing else we can help you with blah blah blah.
Please contact us as soon as possible as your account could be sent to an external Debt collection company.
Contacting Cabot blah blah
Yours Sincerely
Dishy Debs.
Oh no not an external Debt collection company? maybe maybe not. Date file ignore

2019
Letter dated 23/6/2019. Received 28/6/2019. does not state current creditor. just cabot financial. small print at the bottom refers to cabot financial Europe ltd. (no mention of cabot financial uk ltd)
Dear mrs blah. despite repeated attempts to contact you blah blah blah.
The balance is due and we have advised you of several options blah blah blah. you can manage by paying monthly reduced balance over several months blah blah. whilst no payments are made your balance wont go down. (Honest)
if you start making payments your balance will reduce. (really) TALK TO US. (PRETTY PLEASE).
if we dont hear from you we will continue to contact you. so we can help you blah blah. head of internal operations
Date file ignore. must be working through a new set of templates

well at least the new templates are a bit more colorful . AND it makes you feel Special knowing its the HEAD of internal operation that wants to help you

**stuckinarut** · 5 July 2019, 19:44

Originally posted by stuckinarut View Post

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
11/1/2019
Phone call from Debt managers services 9.56am (number already on the blocker)
15/1/2019
Automated call from Debt managers services (number blocked)
16/1/2019
Automated call from Debt managers services (number blocked
21/1/2019
Phone call from Debt managers services (zapped by blocker)
24/1/2019
Phone call from Debt managers services (zapped by blocker)
30/1/2019
Phone call from Debt managers services Left a msg to phone them. (quite important that I call them) number now blocked
Letter Dated 28/1/2019. Received 30/1/2019.
Envelope marked strictly private and confidential.
Our client cabot credit management.has written to you to advise that your outstanding account has been referred to us.
Please contact us so we can help you.
Date file ignore. (if they want to help they can pop round and put the bins out for me)
1/2/2019
Phone call from Debt managers services zapped by blocker
6/2/2019
Phone call from Debt managers services zapped by blocker
Letter Dated 12/2/2019.Debt managers services Ltd
our client cabot credit management has written to you to advise that your outstanding account has been referred to us.please contact us so that we can help you. you can either call us on blah or go to our website.
Or just ignore. Duplicate Letter file ignore
1/3/2019
Phone call from Debt managers services Ltd ocker zapped by blocker
6/3/2019.
Phone call from Debt managers services Ltd zapped by blocker
Letter Dated 6/3/2019 Received 8/3/2019 Debt managers services Ltd
we have tried to contact you to discuss your cabot credit management account blah blah.
in your local area 94% of customers rated their experience of dealing with us as good or excellant. GOOD FOR THEM.
If you can pay the outstanding balance you can do so by card OR phone for a payment arrangement.
you may not have responded to our previous contact due to an oversight . Now if you do not respond you are making an active choice.
No shit sherlock. Date file ignore
Letter dated 9/04/2019. Received 9/04/2019 Debt Managers Services Ltd.
Dear Mr Blah. Account Due To. Cabot credit management. Ref blah blah.
we would like to Advise you that your account qualifies for a significant discount. which if you are in a position to take advantage of this offer would be accepted as a FULL AND FINAL settlement on receipt of settlement payment cabot credit management will close the remaining balance and you will not be pursued any further for this account
Save a substantial sum of money if you can settle at a reduced balance.
Update your credit file as partially settled flag
Avoid further Debt recovery action.
If you would like to discuss the offer phone us on blah blah.
No thanks very kind offer tho guys (no figures mentioned) but at a guess the person on the other end of the phone would say (GOTCHA)
So just date file ignore.
Letter from cabot (Cabot Financial) no mention of current creditor Dated 30/6/2019. Received 5/7/2019
Whats happening next we have tried to contact you blah blah blah. We are going to instruct a company called Resolvecall to visit you at home blah blah blah You can still talk to us instead. (PRETTY PLEASE)
Date File ignore. wait on Resolvecall then pop off doorstep letter

To date i have only used the sites two overdraught letters on this. Will use the S.78. However they are not being shirty at the moment. so will bide my time with that one. let them use up more precious time before sending one

**Joanna Connolly Solicitors** · 8 July 2019, 15:56

Originally posted by stuckinarut View Post

To date i have only used the sites two overdraught letters on this. Will use the S.78. However they are not being shirty at the moment. so will bide my time with that one. let them use up more precious time before sending one

That makes sense (biding time)

I also note that the current debt owner is Cabot Financial (UK) Ltd who don't have FCA authorisation so that may give them another headache to deal with.

Jo explains the relevance of FCA authorisation here >

Originally posted by Joanna Connolly View Post

On 24 April 2019 I was successful in a consumer credit claim appeal. The Claimant debt purchaser admitted they were not authorised by the Financial Conduct Authority but said they could rely on the S.55 FSMA 2000 exemption because they had a valid servicing agreement in place with an affiliated 3rd party who was authorised by the Financial Conduct Authority.

It was accepted by both parties on the facts of the case that there was a valid servicing agreement in place. The issue was could the Claimant debt purchaser rely on the S.55 Exemption to issue proceedings in the county court.

The Circuit Judge held as a general principle of law that the Claimant debt purchaser was not able to rely on the FCA authorisation of an affiliated 3rd party (and the exemption under s.55 FSMA) for the purpose of bringing a claim. The agreement was unenforceable, and the order of the court below was set aside, and the Claim dismissed

Di

**stuckinarut** · 10 July 2019, 22:43

Originally posted by stuckinarut View Post

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.
Letter Dated 15/9/2018. Received 21/9/2018. Current Creditor CABOT FINANCIALUK LTD. (YIPPEE)
PAY IN FULL. over a few months.
Discount offer.Will depend on what you can afford.(ZILCH)
MONTHLY REPAYMENT PLAN.Complete a budget form and we will work out what you can afford. (see above)
Contact us blah blah
yours Dishy Debs
Date File ignore (wee spot of bother with the colours) not to fuss tho

Letter dated 15/10/2018. Received 18/10/20. current creditor Cabot Financial uk Ltd
Dear Mr Blah your balance is waiting to be paid.Long may that continue. Different payment options for you.
Pay in Full chuckle Monthly repayment plan. eh no thanks. Discount Now your Talking. 100% will do fine
Contact us.
Call us on blah.to discuss your options etc etc
yours sincerely Dishy Debbs
Date file ignore

Letter dated 29/11/2018. Received 3/12/2018 current creditor cabot Finacial 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 blah blah blah.
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 etc etc blah blah our goal is to understand what works best for you.
well not hard to figure what works best for me.
Talk to us no thanks Date File Ignore

2019
Letter dated 14/4/2019. Received 18/4/2019. Headed cabot Financial
Dear Mr Blah. WHAT"S HAPPENING NEXT
We have tried to contact you on a number of occasions blah blah blah Because we have been unable to contact you, we are now going to instruct a company called Resolvecall to visit you at your home. so they can put you back in touch with us
Fat chance of that my friend.
YOU CAN STILL TALK TO US INSTEAD. blah blah blah.
Date file ignore and wait on contact from Charlie chuckle brother

Letter dated 1/5/2019. Received 4/5/2019 RESOLVECALL.
Dear Mr blah. We are acting on behalf of CABOT FINANCIAL EUROPE LTD.
Although the letters always state CABOT FINANCIAL UK LTD.
Its in your interest to contact us immediately upon receipt of this letter blah blah.
Failure to do so blah blah will result in a home visit blah blah
Door step letter sent Royal mail recorded 6/5/2019.
Letter dated 17/5/2019. Received 18/5/2019. Resolvecall.
Dear Mr Blah
Thank you for your recent correspondence the contents of which we have noted blah blah. you have stated your intention to serve us with Notice of Removal of implied rights of Access. For the purpose of clarity. we do not accept the contents of this notice,nor do we believe it has any relevance to the account you hold with us. It is our belief that there are certain consumer groups and websites providing misinformation to consumers in the form of template letters which they state will allow the user to avoid discussion or repayment of their debts.This is not the case and we believe these are harmful to the consumer.
we are not required to gain permission to carry out a visit to your property for the purpose of debt collection related activities. blah blah blah blah
We welcome all constructive communication in relation to your account and we hope to come to an amicable resolution to this matter without the need to visit your property
yours sincerely
kenny cowan
correspondence team
Well well. 10/7/2019. Resolvecall appeared at my home address.
He asked to speak to mr blah. i asked who he was. He replied Resolvecall. i said no dont want to speak with you. please leave and he promptly left. put his card thro the letter box tho. before he left. the guy must be living in hope. File his card away.

.

Cheeky buggers obviously dont take any heed of correspondence sent to them. hope he is able to claim for his petrol. As he missed out on his commission

**stuckinarut** · 27 July 2019, 21:04