Stuckinarut UE Diary

[stuckinarut]

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




statement of account. This notice is given in compliance with the consumer credit act 1974 because you are in arrears with your payments under this agreement.

well link as there is NO AGREEMENT cant really be in arrears. blimey help ma bob. they must have overlooked that important detail. 22/12/16 in the file it goes
Telephone call from Link. zapped by blocker. 9/5/17.

well didnt think they would just roll over. ignore obviously but keep a keen eye on these guys.

statement of account dated 05/06/2017. received between 04/07/2017/ 09/07/2017. (was away a few days)
normal stuff balance due now etc if you havent already contact us to arrange payment etc. (fat chance) in the file

[Joanna Connolly Solicitors]

statement of account dated 05/06/2017. received between 04/07/2017/ 09/07/2017. (was away a few days)
normal stuff balance due now etc if you havent already contact us to arrange payment etc. (fat chance) in the file

Which debt is this for? Is it the one in your post # 10 (just guessing because I saw the word 'Link').

When you get letters it's best to re-quote your original post then add the update so that anyone helping can see the full history of what has happened so far.

Di

[nightwatch]

Link send us one every 6/12 months, as they are supposed to do so. every now and then we get a letter asking us to contact them re paying it back( they have a couple of our alledged accounts)

I am expecting more of a flurry as they are closer to SB

[stuckinarut]

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


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
Ha ha. well that was quick. the deadline to contact them was 27/4/17. still plenty time left to ignore before there deadline expired? like a greyhound out of a trap these guys cant even wait on there own deadline to expire. oh blocked the number they used by the way. just wait on charlie chuckle brother to knock the door now. (hope im home if he Does)party time.
MOORCROFT. 3/5/17. 325PM. phoned. zapped by blocker
MOORCROFT.6/5/17 159pm phoned zapped by blocker
MOORCROFT.9/5/17 phoned lunchtime zapped by blocker
MOORCROFT 10/5/17 Zapped by blocker.

MOORCROFT 12/5/17 3.02pm Zapped by blocker
MOORCROFT 16/5/17. 1052am. Zapped by blocker.
MOORCROFT. 17/5/17 lunchtime. zapped by blocker
MOORCROFT 18/5/17 9.25am zapped by blocker
MOORCROFT 19/5/17 9.21am zapped by blocker
MOORCROFT 27/5/17 1.40pm zapped by blocker
They should at least try a new number still got loads of room on the blocker

well at long last they used another number and got through and left what sounded like an automated message to phone them. (blah fat chance)
Letter from moorcroft dated 10/07/2017 received between 12th and 16th. was away for 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 according to your circumstances CONTACT US TO AVOID FURTHER DEBT COLLECTION ACTIVITY. by receiving further letters and phone calls.

Date file ignore

Letter from cabot. dated 19/8/17. received 26/8/17
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 to 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 i have not made any payments to there agents. (as well they know) the personal payment plan is very affordable at the present rate.
£00.00 think i will stick with that for the next 4 years. looks like the charming debs green is back in the loop.
date file ignore.

well looks like moorcrap got the push from dishy debs

[stuckinarut]

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

wifes account
virgin money credit card started way back will update
approx balance £5230
last full payment june 2008/then DMP till Aug 2012/ the debt settlement plan/ended 4/3/2016
default dropped off
assigned to link financial not paying at the mo. all quiet so farively via the website to make IMMEDIATE
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.
Had a couple of statement of accounts usual tosh.
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

Any one else getting this type of stuff from these morons?

[The Tech Clerk]

must of given the e-mail address to previous owners in the past? see what comes next

[stuckinarut]

must of given the e-mail address to previous owners in the past? see what comes next

Hi Tech clerk. thanks for taking a look see. well no i have never given my e-mail address to anyone. (not even my so called account} however they have already confessed to not having the agreement although they did say they could rightfully pursue. well they will need to come up with something better than an e mail. the thinking behind this will be to induce a phone call etc to start an argument with them about ownership etc ha ha fools have no chance

[The Tech Clerk]

they can pursue yes but another thing is enforce, trying to get acknowledgement of debt from you no doubt - just a thought?

[stuckinarut]

they can pursue yes but another thing is enforce, trying to get acknowledgement of debt from you no doubt - just a thought?

my thoughts as well Tech clerk no chance tho ha ha

[stuckinarut]

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

wifes account
virgin money credit card started way back will update
approx balance £5230
last full payment june 2008/then DMP till Aug 201/ the debt settlement plan/ended 4/3/2016
default dropped off
assigned to link financial not paying at the mo. all quiet so farively via the website to make IMMEDIATE
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.
Had a couple of statement of accounts usual tosh.
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

must be getting near christmas bonus time

[stuckinarut]

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


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
Ha ha. well that was quick. the deadline to contact them was 27/4/17. still plenty time left to ignore before there deadline expired? like a greyhound out of a trap these guys cant even wait on there own deadline to expire. oh blocked the number they used by the way. just wait on charlie chuckle brother to knock the door now. (hope im home if he Does)party time.
MOORCROFT. 3/5/17. 325PM. phoned. zapped by blocker
MOORCROFT.6/5/17 159pm phoned zapped by blocker
MOORCROFT.9/5/17 phoned lunchtime zapped by blocker
MOORCROFT 10/5/17 Zapped by blocker.

MOORCROFT 12/5/17 3.02pm Zapped by blocker
MOORCROFT 16/5/17. 1052am. Zapped by blocker.
MOORCROFT. 17/5/17 lunchtime. zapped by blocker
MOORCROFT 18/5/17 9.25am zapped by blocker
MOORCROFT 19/5/17 9.21am zapped by blocker
MOORCROFT 27/5/17 1.40pm zapped by blocker
They should at least try a new number still got loads of room on the blocker

well at long last they used another number and got through and left what sounded like an automated message to phone them. (blah fat chance)
Letter from moorcroft dated 10/07/2017 received between 12th and 16th. was away for 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 according to your circumstances CONTACT US TO AVOID FURTHER DEBT COLLECTION ACTIVITY. by receiving further letters and phone calls.

Date file ignore

Letter from cabot. dated 19/8/17. received 26/8/17
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 to 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 i have not made any payments to there agents. (as well they know) the personal payment plan is very affordable at the present rate.
£00.00 think i will stick with that for the next 4 years. looks like the charming debs green is back in the loop.
date file ignore.
Letter dated 9/9/17. received 15/9/17
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 payments 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 11/10/2017. Received 17/10/2017
YOUR BALANCE IS WAITING TO BE PAID.
thank you for paying in the past. we appreciate that you tried to repay 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 already written off debs
plenty additional help here.

Letter dated 29/10/17. Received 211/17.
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 couldnt continue 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 DebsAnd 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.
Dear mr blah.
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'll talk to you about how you can start making payments to suit you.blah 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 Call blah blah. WE NEED TO HEAR FROM YOU SOON. our team will be trying to contact you in the meantime. yep am quite sure your team will be trying there very best to make contact Deborah Green. [ HOW ELSE WILL THEY GET THERE CHRISTMAS BONUS]. not from me if i can help it.
Date file ignore

Ha Ha must be getting near christmas they even enclosed a pre paid envelope [bless them]

[Joanna Connolly Solicitors]

Ha Ha must be getting near christmas they even enclosed a pre paid envelope [bless them]

Which debt is this?

I can't see the background in your post (what type of account, date opened, how much, who was the OC etc) only the history of correspondence since 24th April 2017.

Di

[stuckinarut]

Which debt is this?

I can't see the background in your post (what type of account, date opened, how much, who was the OC etc) only the history of correspondence since 24th April 2017.

Di

Hi Diana bank of scotland overdraught. opened in 2001 £2200

[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 £6100

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

Discover what we can do for you use this ref going forward call us blah blah. well I fail to see what is wrong with the current arrangement

[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 £6100

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

oops seem to have had a little problem with the red colour. not to fuss tho