Announcement

**Undercover Elsa** · 15 March 2016, 06:23

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

Hi stuckinarut

Assuming all these accounts were taken out prior to April 2007, if it was me I would establish whether they're enforceable or not before paying anything else to them.
The best way forward, so we know exactly what you're situation is, is to start an unenforceability diary, listing details about each debt in the following format:

Type of account (credit card/loan)
Date commenced (ideally before Apr 2007)
Approx balance
Date last paid (approximate date you last made a FULL payment)
Are you on arrangement or not paying
Status (default/in arrears/up-to-date)
Account owner (who is writing to you, a DCA or the lender)

More details here:
http://forums.all-about-debt.co.uk/s...-Read-me-First!

Once you've done that you will feel more organised and in control, then send out CCA Requests to each one.
Note that overdrafts require a different template: http://forums.all-about-debt.co.uk/s...CA-Information

Have a read around the other diaries when you get chance, and if you want more info on the legalities of unenforceability, have a look here: http://forums.all-about-debt.co.uk/s...PDATED-09-2015

Elsa x

**Never-In-Doubt** · 15 March 2016, 12:10

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

Remember, you must send a s.78 request for a CCA - a SAR only includes statements and screen prints / copies of letters etc.

See here --> http://forums.all-about-debt.co.uk/s...mplate-Letters

Niddy

**PlanB** · 11 April 2016, 20:53

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

Originally posted by stuckinarut View Post

been an a dmp since 2008. and it ended on 4th march this year. due to it not being a suitable product cos of the shake up with the companies that give advice etc. so to save a long story. i/we will have 1 cc still with cap one 1 overdraught 1 personal loan. 3 cards. these are with cabot. 1 cc with link

Hello and

to AAD.

We look forward to helping you on the forum.

I've got shed loads of debts so I know how you must feel.

Please list each one on a separate post so we can tackle whatever comes your way. We're good at that

It may feel overwhelming at first but once you take back control of the situation you'll feel better.

Plan B x

**PlanB** · 18 April 2016, 15:41

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

I've replied to your PM and email saying the best thing to do is use this thread as your diary and we will change the title.

Start a new post for each debt as Elsa explained in her post # 2

Originally posted by Undercover Elsa View Post

start an unenforceability diary, listing details about each debt in the following format:

Type of account (credit card/loan)
Date commenced (ideally before Apr 2007)
Approx balance
Date last paid (approximate date you last made a FULL payment)
Are you on arrangement or not paying
Status (default/in arrears/up-to-date)
Account owner (who is writing to you, a DCA or the lender)

Once you've done that you will feel more organised and in control

Plan B x

**stuckinarut** · 25 April 2016, 22:22

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
balance £2,255.31
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 file once 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
Letter dated 26/7/2019 Received 31/7/2019. Resolvecall. (claiming to represent cabot Financial Europe Ltd)
The usual template type letter contact us immediately etc etc etc. EH No Thanks. File ignore pop off doorstep letter
Reply to doorstep letter dated 1st August 2019. got it on 8th (just back from a week away)
Template response dont need my permission etc etc Best to phone to avoid visit etc etc.
Ah well the guy that turns up will just have to do a quick about turn. ignore them till they get here
Letter. dated 2/10/2019. Received 5/10/2019. Welcome to Cabot.
The cabot credit management group owns your B O S.current account, we previously asked another company 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 so we can help you directly. Aw Thats nice.
call us blah blah blah. do it online blah blah
Yours sincerely
Paul Giggins
Head of Operations Strategy
Letter dated 23/10/2019 Received 26/10/2019. we are waiting for you to set up a plan.
you still have blah waiting to be paid, fortunately you have already taken the first step towards financial recovery by opening this letter and reading it.Let us tell you what you need to do next
Get in touch 55.000 customers talk to us each month.
Set up a plan online. at blah blah
Once you set up your plan we will contact you within a year for your review
We need to hear from you, if we dont we will continue to contact you.
yours sincereley
stephen shaw
head of internal operations.
Date File ignore
Letter dated 22/11/2019. Received. 27/11/2019 Cabot Financial
your overdue debt requires urgent action
you've been selected for legal action to commence by our solicitors. This is because you are not making payments to your account. it's important you understand the consequences are of not taking action now. if you continue to ignore this your account will be passed to our solicitors to obtain a judgement against you. blah blah blah. How can it affect me. blah blah .A judgement is avoidable it's time to take control All of this can be avoided by talking to us 27000 of our customers pay on time every month blah blah We do not want to take this action But you have to within one month. or this will happen.

Letter dated 7/12/2019. Received 9/12/2019 Headed Cabot
Enclosed are your statements that brings you up to date with your account.
Sent off cca request recorded 9/12/2019
Received and signed for on 12/12/2019. Await there Response
Letter Dated 13/12/2019 Received 20/12/2019. Cabot Financial
Dear Mr Blah. we have received your request.
Thank you for your request for information under sections 77-79 of the consumer credit act 1974, unfortunately we currently do not not have the relevant information on file, so we will be requesting a copy of the credit agreement and terms and conditions from your original lender.as well as a statement of your account,This may take some time, but we will write to you within the next 12 days with an update.
For information on what to expect from making a cca request there is further information on the National debtline website on their credit agreements getting information factsheet.
you still have an outstanding balance of blah blah and you do not have a repayment plan in place with us. We would like to discuss the available options with you blah blah. Even if we are unable to supply your paperwork this account will remain on your credit file for 6yrs. your cca request is being handled by a member of our customer care team, they will mail you the information you have requested once we have it
yours etc blah blah

Letter dated 24/12/2019. Received. 30/12/2019.Cabot Financial
Dear Mr Blah
An update on your request
we're still processing your request, we have contacted the original lender for the relevant information. your credit agreement is unenforceable until we are able to reply to your request
Think they must mean Comply with your request.
This means no court blah blah
What happens next
your balance is still outstanding, and while we cannot commence legal action against your account we are able to ask you to repay this amount, and you will still receive calls and letters asking you to pay.
We need to talk to you about a personal payment plan blah blah blah
Get in touch yours sincerely etc etc
Date file ignore. wait and see
2020
Letter dated 23/1/2020. Received 27/1/2020 Cabot Financial
your request for information under the consumer Credit Act
we have been unable to get the information requested from the original lender.if this information ever becomes available to us we will complete your request, but until we are able to supply this your account is unenforceable.YIPPEE. WHAT DOES THIS MEAN? this means we are not permitted to obtain a court judgement or a warrant for diligence against you in court. but we can still request that you repay your outstanding balance. we will still try to contact you to help you repay this outstanding balance.
on your credit file blah blah etc etc. we would like to talk to you about a personal payment plan where you can arrange to repay your account at a rate you can afford. £00.00 Twice a week will be ok.
Date file ignore
Letter dated 22/2/2020. Received 27/2/2020. Cabot Financial
Dear Mr Blah. Get back on track with a payment plan.
Thank you for paying in the past, we appreciate you have tried to repay, so far you have repaid blah blah
900.000 customers pay us every month blah blah. Lots more soft soap and blah. TAKE THE NEXT STEP.
yours sincerely
stephen shaw
Head of internal operations
Date File ignore= next step
Letter dated 11/3/2020. Received 14/3/2020 Cabot Financial
you need to make a new payment plan.
thank you for your previous payments, you need to call us to set up a new plan for your account
you've repaid £blah already which is a great start! we would like to help you find a plan that works for you. blah blah blah
Get in touch
yours blah blah
Stephen shaw
head of more blah
date File ignore. current plan is best for me
Letter dated 28/3/2020.Received 2/4/2020
Dear Mr Blah. build a plan around your budget. you've repaid£blah. clearly something went wrong blah blah etc.We can talk to you about your budget blah blah etc. Get in touch to get started
yours etc stephen shaw
Date file ignore
Letter dated 22/4/2020. Received 25/4/2020 Cabot Financial
Dear Mr Blah. Tell us your budget, 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. blah blah blah
Get in touch to get started. blah blah
yours sincerely
stephen shaw head of internal operations
Date file ignore.
2021
All quiet
2022
Letter dated 7/2/2022.Received 10/2/2022
Dear Mr Blah
YOUR ACCOUNT IS NOW CLOSED
your BANK OF SCOTLAND-CURRENT ACCOUNT account is now closed, as prescribed by scottish Law you do not need to make any further payments to it.
blah blah blah and more blah
Stephen Shaw

'

,

**stuckinarut** · 25 April 2016, 22:39

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
balance £6,222.83
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.
Assigned to cabot think cabot printed the assignment themselves as both arrived in same envelope Letter 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.
Letter dated 20/7/2019. Received 26/7/2019. Headed Cabot Financial
Welcome to Cabot
The Cabot Credit Management group owns your BOS Credit card, we previously asked another company 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 so we can help you directly.
CALL US ON BLAH BLAH. and set up your plan. we would like to help you get a plan in place. the best way to do this is to talk to us. (no shit) we help thousands of customers set up a plan each month. or do it yourself online blah blah
your sincerely
Paul Giggins. (really)
Head of operations Strategy. (goodness me a strategist)
Letter dated 10/8/2019. Received 15/8/2019. Cabot Financial.(headed) cabot financial europe down in the small print
We are waiting for you to set up a plan.(Really) you still have blah waiting to be paid, fortunately you have already taken the first step by opening this letter and reading it. Let us tell you what you need to do next.Get in touch. over 55.000 of our customers are already talking to us every month. and we want to help you to. (Aw thats really nice)
set up a payment plan online its simple blah blah work out what you can afford and track your progress blah blah.
Once your plan is set up we will send you confirmation and contact you within a year for your review.(chuckle within a month more like)
We need to hear from you,if we dont we will continue to contact you.
yours sincerely
stephan shaw Head of internal operations. (Date file ignore)

Letter dated 16/9/2019. Received 19/9/2019. Headed Cabot Financial.
Blah you have repaid blah to date. knowing where to start when dealing with debt can be off putting. but once you are back in control it can feel like a huge weight off your shoulders.yep i have that feeling.
you were making payments, but have stopped no shit sherlock.
WHAT YOU NEED TO DO NEXT. you need to speak to us we have made it easy for you to get in touch
our interactive website blah blah. if online management is not for you then you will need to speak with us to set up a plan.
debt doesnt go away. the longer you do not contact us, the more contact you will receive.
yours sincerely
stephan shaw head of internal operations
Date File ignore

Letter dated.2/10/2019 Received 5/10/2019 Cabot Financial
OVER 900.000 Customers pay regularly and on time every month. , YOU ARE NOT ONE OF THEM. sorry about that.
its been 14 days since we last wrote to you, and we still havent heard from you.
This is a serious matter, the longer you do not make payments or contact us the more calls and letters you will receive.
you need to contact us to start making your payments again. well gona have to leave that for a while yet .Date file ignore
. yours sincerely
stephen shaw head of internal operations

9/10/2019. Automated call from Cabot. (early evening) I assume the call was in the direction of the above. number now blocked. and ignored

Letter dated 17/10/2019. Received 23/10/2019. Headed Cabot Financial.
Dear Mr Blah. we need your urgent attention. you have chosen not to respond to any of our recent communication about your account even though we have given you ample opportunities.
This is a defaulted account and the full balance of £ blah is still due.
We take this matter seriously, you have 9 days to respond to this letter,
if we do not hear from you we may look at other ways to resolve the debt.
this could include an agent visiting your property to discuss your situation.
yours sincerely
stephan shaw bla blah.
Date file ignore
Letter dated 30/10/2019. Received 2/11/2019. Cabot Financial. Get back on track with a payment plan
Thank you for paying in the past. we appreciate you've tried to repay, so far you've repaid £blah. you still have £blah on your account that needs to be paid. we have over 900.000 customers paying us every month blah blah
Are you struggling to make payments? No problem blah blah blah.
Take the next step
yours stephen shaw head of internal operations.
Next step taken. date file ignore
Letter dated 17/11/2019. Received 22/11/2019. Cabot Financial
you need to make a new payment plan. Thank you for paying in the past blah blah
Get in touch etc etc blah blah
Date file ignore
Letter dated 4/12/2019.Received 7/12/2019 Cabot Financial
Build a plan around your budget. you've repaid blah clearly something went wrong blah blah we want to make sure it's affordable for you blah blah discounts might be available blah blah. Get in touch to get started
Date file ignore

2020
Letter dated 29/12/2019. Received 4/1/2020 Cabot Financial
Dear Mr 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 call us and fill out a budget form, we will make sure you can afford all the important
things etc etc etc you have 4 weeks to claim this offer our customer consultants are here to help you blah blah. yours sincerely blah
Date file ignore. wait and see
Letter dated 4/6/2020.Received 10/6/2020. Cabot Financial
Dear Mr Blah. We have passed your account to Debt Managers (services) Ltd
As we have been unable to reach an agreement to repay your account blah blah blah
Following this letter Debt managers(services)Ltd will be in contact blah blah blah.
yours sincerely
Paul Giggins
Head of operations strategy
Well back with my pal the strategist. Date file ignore
Letter dated 16/6/2020. Received 24/6/2020. DEBT MANAGERS (SERVICES) LTD
Dear Mr blah.
Our client cabot credit management group has referred your account to us. blah blah blah.
Date file ignore. apparently the collections manager is desperate to help me

Letter dated 6/7/2020. Received 10/7/2020. DEBT MANAGERS (SERVICES) LTD
Dear Mr Blah
We have tried to contact you blah blah blah. In your local area 94% of customers rated their experience good or excellent. How wonderful for the 94% Date file ignore
Letter dated 21/07/2020. Received 25/07/2020. Debt Managers (services Ltd)
Dear Mr Blah Unfortunately you have not responded to our previous attempts to contact you. We are keen to make contact with you in order to help you get your account moving in a positive direction.
YOU CAN SAVE UP TO 50% off your outstanding balance. blah blah blah
yours Sincerely
Gareth Hall
Date file ignore. gona hang on for 100% Discount

Letter dated 16/9/2020.Received 19/9/2020 Cabot Financial
Mr blah blah. your account is back with cabot The cabot credit management group owns your B O S CREDIT CARD.We previously asked another company to manage this account on our behalf. we hope you have been happy with the service so far. we moved your account back to us as we feel this is the best way to help you on your journey to financial recovery.
with cabot never pay more than you can afford blah blah
TALK TO US blah blah
your sincerely
stephen Shaw.
Date file ignore

Letter dated 7/10/2020. Received 10/10/2020. Cabot Financial
Set up a plan that works for you Mr blah blah
we understand that getting in touch can often be scary. blah blah blah. we dont add any interest or charges blah blah and more blah. Get in touch you are only one step away. blah blah
yours stephen shaw
Date file ignore.
Letter dated 9/11/2020. Received 13/11/2020
Dear Mr Blah We have a range of options for you your balance of xxxxx is waiting to be paid
Pay in full. we know paying in full might be unrealstic. spot on with that one.
Discount offer we can discuss whether a discount is affordable for you. No not at the moment thanks.
Payment plan we want the way you repay to be affordable etc etc
call on blah blah to get started we can discuss these options with you blah blah. or take control by activating your account online blah blah
yours etc
stephen shaw
Date file ignore
2021
Letter dated 9/3/2021. Received 13/3/2021
Dear Mr Blah we were recently in touch with an offer that could make clearing your account easier.
Make an amazing saving of £xxxx.xx
and pay £xxxx.xx
Giving you as many options as possible- we can be flexible on how you repay the amount depending on your situation, some of our customers take up this offer and pay over 3 months but others pay all in one go. if this is not affordable for you, no problem we can talk to you about a repayment plan instead
How to claim this offer. blah blah or blah
Well at least they are getting closer to my favourite payment plan £000.00 (only plan for me)
Date file ignore
Letter Dated 14/3/2021.Received. 19/3/2021
Cabot Financial
Dear Mr Blah
your account is now closed
your Bank of Scotland credit card account is now closed, as prescribed by Scottish Law you do not need to make further payments to it
your credit file blah blah
If you need us blah blah
Dont think i need them. pretty crafty the last ditch attempt dated 9/3/2021. Then they close it on the 14th.

**stuckinarut** · 25 April 2016, 22:48

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

bank of scotland credit card opened 12/12/2000
balance. £7,368.89
last full payment june 2008 then Dmp till 2012/ debtsettlement till 4/3/2016.
Default dropped off. assigned to cabot. came in same envelope sure they printed it as well
not paying at the mo. all quiet so far.
Letter cabot Financial uk ltd current creditor dated 4/6/16.
Dear mr blah.
YOUR ACCOUNT.
We havent received your last payment from your debt management company. we have been trying to contact them. But they havent responded. so we have decided to get in touch with you. we will be putting your account on hold. to give you time to find out whats happened.
WHAT CAN YOU DO.
If you are still using your debt management company we recommend getting in contact with them to find out what is happening.
No need Deborah green they are no longer in the frame. (date file ignore)

Letter dated 19/6/16.cabot Financial uk ltd current creditor
Dear Mr 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 PLAN.
SEE IF YOU CAN GET A DISCOUNT ON YOUR ACCOUNT AND MAKE A ONE OFF PAYMENT.
CONTACT US.
call us on blah blah.
No thanks Debs. (date file ignore)
Letter cabot Financial uk ltd current creditor dated 19/7/16.
YOUR BALANCE IS WAITING TO BE PAID.
we have been trying to reach you to discuss your account but we havent been able to get in touch.
COULD I PAY LESS.
we are flexible when it comes to repayment.
GET ADVISE.
contact us. we will continue trying to contact you if we dont here from you.
It is important that you get in touch so that we can find a solution.
Love the flexible part. lets go for zilch. (date file ignore)

30/7/16.
Sent off cca request royal mail recorded. wait and see.

Letter Lender cabot Financial (Europe) ltd 31/7/16.(changed from cabot financial uk ltd)
STATEMENT OF ACCOUNT
blah blah

Letter cabot dated 9/8/16
Dear mr blah
Re bos credit card. Thank you for your request for imformation under section 77-79 of theconsumer credit act 1974. we currently do not have this on file.
However i have requested the relevant details. which will include a copy of the agreement. statement of account. and original and varied terms and conditions from the original lender.
WHAT HAPPENS NEXT.
i acknowledge the 12day time limit to provide this before the account becomes unenforceable .However as we have to request this 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 those time limits we will write to you again.
kayleigh fisher. date file ignore

Letter cabot dated 14/10/16. received 21/10/16.
Dear mr blah thank you for your letter received in our office 01 august 2016 My name is kathy cakebread. 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 your request.in the meantime,we would like to inform you that your account shall remain on hold with the customer care department until such time we can comply with your request
YOUR ACCOUNT
your credit agreement is currently unenforceable. which means we are not permitted to obtain a judgement or decree against you in court. however, you are still obliged to repay the outstanding balance as confirmed in this letter and therefore we would recommend you contact us as soon as possible to set up a repayment arrangement or continue with your existing payment plan.
cheers for the option kathy think i will choose the existing plan thanks. date file ignore

2017
All quiet so far

2018
All quiet still

2019

All quiet still

2020
All quiet still

2021
Letter dated 29/9/2021. Received 2/10/2021
Your account is now closed
Your bank of scotland credit card account is now closed, as prescribed by scottish law you do not need to make any further payments to it.
blah blah blah

SUPER STUFF

**stuckinarut** · 25 April 2016, 23:20

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

cap one credit card. started way way back cant remember or find the info. but will update.
approx balance £9.333.03
last full payment june 2008/then DMP till aug 2012/then debt settlement plan/ ended 4/3/2016
Default dropped off
still with cap one. not paying at the mo. all quiet so far
letter received 10/05/16. saying not received payment from debt settlement company. £1 needs to be paid now.if not heard from settlement company or myself will contact me directly. think i will just wait on the contact? letter from cap one saying fredrickson international ltd is to act on there behalf. and all payments and contact has to be with them they will be in touch shortly OR phone them on blah blah.letter dated 09 aug 2016. well was off on holiday for two weeks and this was on the mat when i got back 14/08/2016. will just wait on fredrickson and ask them via the letters for the credit agreement. was going to send to cap one but they beat me to it sort of speak.will post fredricksons letter when it arrives letter from fredrickson dated 17th came 20th. contact us to arrange payment asap. to avoid further letters. etc etc.sent off cca request 25/8/16 letter from freds today 06/09/2016. posted 05/09/2016. returning my £1 payment regarding your recent cca request.a letter detailing this will be sent under seperate cover. i suppose the letter will be to advise they are handing it back to cap one? wait and see wot it is letter dated 5th sept received 8th. we have referred this matter to our client but returned your one pound fee which you should receive shortly. as our client does not require a £1fee for documentation we will revert to you in due course. got this letter after i got the £1 fee. ps i thought they all required the £1fee? so just wait on freds getting back now
Letter dated 20/10/2016.
Dear Mr blah we recently sent your 6 monthly statement your closing balances were correct some of the transactions on your statement were not correct.
if you require further assistance with your finances we are not the only people you can speak with. step change cab etc
The transaction being the £1fee regarding cca request was paid in then paid out and returned.
LETTER DATED. 22/10/2016
Statement of account please retain for you records.
Zilch in zilch out.
Letter dated 02/12/2016. received 9/12/2016
YOUR ACCOUNT HAS MOVED
your account is no longer being managed by the debt collection agency (freddie kruger)
PLEASE WORK WITH US TO REDUCE YOUR DEBT.
it is important to make payments to your account. payments should be made directly to cap one.
if you account is being managed by a third party ie relative dmp etc. please ensure you update them with this information.
well Amy fisher think the payment of £00.00 is fine for now
2017

Letter dated 22/03/2017 received 27/03 2017
STATEMENT OF ACTIVITY.l
there are no transactions to report
Well Well i would never have guessed

Letter dated 22/09/2017 received 28/09/2017
STATEMENT OF ACTIVITY.
there are no transactions to report.
Long may that continue Amy Fisher

2018
Letter Dated 22/3/2018. Received 29/3/2018.
STATEMENT OF ACTIVITY
there are no transactions to report
Lyndsey Edgar
Head of customer support

Hello Lyndsey Bye Lyndsey

Letter dated 24/9/2018. Received 28/9/2018
Statement of Activity
opening balance closing balance.Zilch in Zilch out.
What should i do now?
Date file ignore thats what.

Have a happy halloween when it comes round Lyndsey Edgar

2019
Letter dated 22/3/2019. Received 28/3/2019
statement of Activity
opening balance. closing balance zilch in zilch out.
what should i do now.
As above date file ignore.
Letter dated 23/9/2019 Received 27/9/2019.
statement of Activity.
opening balance. closing balance zilch in zilch out.
what to do next. Date file ignore.
2020
Letter dated 23/3/2020. Received 26/3/2020
statement of Activity. opening balance closing balance
zilch in zilch out
what to do next Date file ignore

Letter dated 22/9/2020. Received 25/9/2020
statement of activity. there are no transactions to report
Date file ignore
2021
Letter dated 22/3/2021. Received 24/3/2021
Statement of activity there are no transactions to report
blah blah
Date file ignore
Letter dated 22/9/2021. Received 27/9/2021
Statement of activity there are no transactions to report
Date file ignore
2022
Letter dated 21/3/2022. Received 25/3/2022
Statement of activity, there are no transactions to report
Date file ignore

**stuckinarut** · 25 April 2016, 23:28

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
Automated phone call from Link 8/5/2018 call us on blah blah. Fat chance =No chance date file 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.

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
Letter Dated 29/11/2018. Received 15/12/2018 Link outsourcing
Dear Mrs Blah statement of account please retain for your records
If you have currently have a payment arrangement in place you do not need to do anything If you dont we urge you to contact us on the above number blah blah blah

In the growing pile date file ignore

2019
Letter Dated 30/5/2019. Received 14/6/2019
Statement of Account. blah blah blah we urge you to contact us blah blah.
Date file ignore
3/9/2019. E.mail received from Link outsourcing.
Dear Mrs Blah Contact required (no shit) blah blah blah blah. And even more blah.
phone us on blah. or reply to this e-mail. strategy@linkfinancial.No not now not ever. date file ignore

Letter dated 28/11/2019. Received 14/12/2019
Statement of Account blah blah blah we urge you to contact us etc etc
No thank you not in the mood for a chat. Date file ignore
2020
Letter Dated 13/5/2020. Received 18/5/2020
Dear Mrs Blah
Let us help you get back on track.blah blah blah
we have been trying to speak with you to discuss various options. blah blah blah
it can be a worrying time blah blah blah
our account officers are trained to help blah blah blah
we are available monday/thursday blah blah /friday more blah blah
if you feel more comfortable writing blah blah blah
Date file ignore

Letter dated 28/5/2020. Received 25/6/2020

Dear Mrs blah statement of account blah blah blah
Date file ignore.
Letter dated 29/6/2020/ Received 6/7/2020
Dear mrs blah. Let us help you get back on track.
you will be aware that account blah blah. is being serviced by link Financial outsourcing Ltd
can be a worrying time blah blah blah. our account officers are trained to help blah blah blah
Date file ignore

Letter dated 12/11/2020. Received 19/11/2020.
Dear Mrs Blah
Please read this letter carefully
blah blah blah. ok read it.Yet more blah blah blah. set up direct debit mandate. blah blah blah
Date file ignore. another duplicate gem

Letter dated 26/11/2020. Received 29/12/ 2020.Link Financial outsourcing
Statement of account.
blah blah blah. The current arrears represent the outstanding balance. blah blah blah
if you have not already done so, we would encourage you to contact us to discuss the state of your account
yours sincerely
big squiggle
Date file ignore
2021

2022
Letter dated 25/11/2021. Received 19/1/2022
Usual statement blah blah we encourage you to contact blah blah.
Date file ignore
Letter dated 26/05/2022
Dear mrs blah
blah blah blah. and even more blah
usual statement etc

2023
Letter dated 24/11/2022 Received 13/1/2023
Dear Mrs Blah
Statement of account
Blah blah blah, important messages are shown on the reverse

springs to mind

**stuckinarut** · 25 April 2016, 23:34

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
balance £11,920.99
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
Letter dated 23/7/2019. Received 26/7/2019.headed cabot Financial
Dear Mrs Blah. Setting up a payment plan.we're waiting to hear from you to discuss your account. We're pretty flexible about how you repay blah blah blah we have thousands of customers who find it easier to make monthly payments blah blah blah. Take the next step -contact us (you wish)
Call us Go online.
yours sincerely
stephen shaw Head of internal operations
Date file ignore
Letter dated 23/8/2019. Received 29/8/2019 Headed Cabot Financial.
Dear Mrs Blah. we are still waiting to hear from you to discuss your account. we want to find the right solution for you so we want to let you know your options (Three options) setting up a plan is simple blah blah.
yours sincerely
stephen shaw
Head of internal operations.
Cheers Stephen think i will just stay with option 4 at the moment. MPT Letter still on hold. date file ignore

Letter dated 8/10/2019. Received 11/10/2019. Headed Cabot Financial.
Dear Mrs Blah. get back on track with a payment plan. Thank you for paying in the past, we appreciate you have tried to repay, so far you have repaid Blah. you still have Blah on your account that needs to be paid.
we have over 900.000 customers paying us every month, let us find a plan that works for you to.
struggling to make payments? no problem. Blah blah blah and more blah. Take the next step.
OK Next step date file ignore. oops red vanished. not to fuss tho
Letter Dated 26/10/2019. Received 1/11/2019.(Cabot Financial)
You need to make a new payment plan. Thank you for your previous payments, you need to call us to set up a new plan for your account. you have repaid £ blah already. which is a great start! we would like to help you find a repayment plan which works for you. Even if you think you cant pay, we can discuss what the best way forward is for you
Date file ignore (best way forward)
Letter dated 12/11/2019. Received 15/11/2019 Cabot Financial
Build a plan around your budget. you've repaid £blah already. clearly something went wrong last time so we want to make sure your new plan is affordable for you.
we can talk about your budget and help you work out how much you can afford to pay blah blah blah. 10,000 customers pay every month, so we know they work. if you prefer you call call us to discuss what discount options might be available for you. GET IN TOUCH TO GET STARTED.
XXXX Head of internal Operations
Date file ignore. the customer base seems to have went down somewhat? only 10.000 paying customers per month(must be a struggle)
Letter dated 1/12/2019. Received 5/12/2019, Cabot Financial
What's happening next...
we have tried to contact you on a number of occasions so that we can understand your situation etc etc
we are going to instruct a company called Resolvecall to visit you blah blah
wait on resolvecall getting in touch
Letter Dated 12/12/2019. Received 16/12/2019. Resolvecall.
Dear Mrs blah been instructed by Cabot Financial (Europe Ltd)
To help you reconnect with our client blah blah phone us within seven days. Or we will arrange a home visit. blah blah.
Doorstep letter will be sent of tommorow. (17th).
Letter dated 20/12/2019. Received 27/12/2019 RESOLVECALL.
Dear Mrs Blah.
CABOT FINANCIAL
(EUROPE) LTD
We can confirm the outstanding balance is £blah.
please contact us on blah should you require any further information
yours sincerely
resolvecall ltd
Date file ignore
2020
Home visit from resolvecall 2/1/2020. 11am
Can i speak with Mrs Blah. And you are. I AM Mr Blah. Ok Mr Blah can you tell me what it's about. Iam Mr Blah. Yes you said that. However what is it about. Who wants to speak with Mrs Blah. I am from Resolvecall. OK.No thanks nobody here wants to speak with you, Please leave Oh and have a nice day.
You to partner. (cowboys or what) Then he put his calling card through the letterbox before he left.
(Filed away)
Letter Dated 25/1/2020 Received 29/1/2020. Moorcroft debt recovery ltd.
Dear mrs blah our client has informed us after numerous attempts they have been unable to contact you
etc etc etc. blah blah blah. this may result in home visit etc etc Date File ignore.
Doorstep Letter sent 30/1/2020. recorded.

1/2/2020. Automated phone call Moorcroft. ignore. number now blocked
5/2/2020 call from moorcroft zapped by blocker.
Letter dated 10/2/20. Received 12/2/2020 moorcroft
Dear Mrs Blah
Thank for your recent communication in relation to the above account
We can confirm that your account has been amended to comply with your preferred method of contact,as requested. However, we hope that you can appreciate that where communication appears not to be maintained by you via this method of contact, it may be necessary for us to revert back to an alternative option. To help us assist you further. we would request that you complete and return the financial statement provided along with your suggested offer of repayment. This information can be provided via our website blah
The account has been placed on hold until blah blah to allow time for you to read and respond to this letter. if you require anything further please do not hesitate to contact us on blah blah
Yours sincerely
A J Martin
Accounts Department.
Well at least they got the doorstep letter. Still has not been updated on the royal mail site yet? not to fuss tho. They have it
Letter dated 23/3/2020 Received 26/3/2020. Moorcroft
Dear Mrs Blah. i am sorry that despite our attempts to contact you no satisfactory agreement has been reached regarding the balance outstanding of £blah on the above account
To stop further debt recovery action(such as further letters or telephone calls) we are able to accept a repayment plan of blah blah blah (which will take 20years to complete) I think not
Date file ignore
Letter dated7/10/2020. Cabot Financial
we have passed your account to BPO collections Ltd (BPO)
As we have been unable to reach an agreement to repay your account we have asked BPO to manage your account for us. A letter from BPO. is included with this letter. they will help you set up an affordable payment plan which will help you become free of your account. CONTACTING BPO. BLAH BLAH BLAH
yours sincerely paul giggins
head of operations strategy
wow back with the strategist. ok date file ignore
Letter dated 25/11/2020. Received 28/11/2020
Dear Mrs Blah
SORRY, WE'VE MADE A MISTAKE
You recently received a letter about your account moving to an external agent called BPO. This was sent in error, we can confirm Cabot Financial will still be helping you manage your account moving forwards.
WE NEED TO HEAR FROM YOU.
you aren't currently making payments towards your balance, so we need you to get in touch, we'd love to help you set up an affordable payment plan which is tailored to your situation, but we can't do this unless you talk to us.
please call us as soon as possible and have a chat blah blah
Did you know you can manage your account online blah blah
yours Sincerely
stephen shaw
Head of internal ops
Date file ignore.
Letter dated 28/11/2020. Received 3/12/2020
Dear Mrs Blah
WE HAVE A RANGE OF OPTIONS FOR YOU
Your balance of blah is waiting to be paid. there are different options for you to choose from
PAY IN FULL. we know paying in full might be unrealistic blah blah blah
DISCOUNT OFFER.we can discuss whether a discount is affordable for you blah blah
PAYMENT PLAN. we want the way you repay to be affordable blah blah
Yours Stephen Shaw
Date file ignore
2021
Letter Dated 14/3./2021 Received 19/3/ 2021
Cabot Financial
Dear Mrs Blah
your account is now closed
your Halifax-credit card account is now closed,as prescribed by scottish Law you do not need to make any further payments to it.
your credit file blah blah.if you need us blah blah
well nothing on the credit file. And dont think we will be needing them for anything. So goodbye to this one.
YIPPEE

.

/

2

**stuckinarut** · 25 April 2016, 23:44

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

Wifes
Bank of Scotland loan.
started 15 /05 /2006
balance £5,851.29
last full paymentJune 2008/ then DMP till Aug 2012/ then debt settlement plan/ ended 4/3/2016
Default dropped off.
assigned to cabot assignment printed by them/ same envelope.
not paying at the mo. all quiet so far
Letter dated 4/6/16 current creditor MARLIN EUROPE V LTD
Dear Mrs Blah
we haven't received your last payment from you debt management company (no shit)
WHAT CAN YOU DO.
get in touch with them to find out what is happening blah blah blah blah.
marlin eh? date file ignore
Letter dated 19/6/16.current creditor marlin europe v ltd
LETS WORK TOGETHER
Dont let debt hang over you blah blah blah
CONTACT US. blah blah blah
Date file ignore

Letter dated 19/7/16. current creditor marlin europe v ltd
COULD I PAY LESS (yep)
we are flexible when it comes to repayment (you can ) pay monthly lump sum etc. date file ignore

CCA REQUEST SENT 30/7/16. wait and see

Response to cca request was included with response to post 11 (must be saving on the postage)

2017
All quiet so far

2018
All quiet still

2019
All quiet still

2020
All quiet still

2021
Letter Dated 29/9/2021. Received 2/10/2021
Your account is now closed
Your bank of scotland loan account is now closed, as prescribed by scottish law you do not need to make any further payments to it
blah blah blah
Yet another success For AAD strategy

**stuckinarut** · 25 April 2016, 23:45

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

Location scotland Home owners?

**PlanB** · 27 April 2016, 08:53

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

Originally posted by stuckinarut View Post

Location scotland Home owners?

Does your last post mean you live in Scotland?

Those debts all appear to be quiet at the moment. When any of them make contact post on your thread and we'll guide you what to do.

Have you sent a CCA Request to any of them yet? That may be the next step.

Plan B x

**nanna58** · 27 April 2016, 10:57

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

Post here as soon as you hear from anyone xx

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