Originally posted by stuckinarut
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Re: Hi guys not sure where to post my question {newbie} hope its in the correct place.
bank of scotland credit card
opened 29/6/1994
approx balance £6.057.28
last full payment june 2008
then DMP till aug 2012 then debt settlement plan till 4/3/2016. not paying at the mo.
Default dropped off.
Asigned to cabot think cabot printed the asignment themselves as both arirved in same envelopeLetter from cabot Financial uk ltd current creditor dated 13/05/2016 received 19/05 2016. dear blah your account. we want to make sure that you get the right support for your account so with that in mind we have asked NCO Europe ltd to manage your account from here on. we understand you have a debt advisor acting on your behalf and we have therefore also contacted them to inform them of the change. WHAT YOU NEED TO DO there is no immediate action you need to take as NCO Europe ltd will be in contact with your debt advisor directly if you no longer have a debt advisor please call NCO Europe ltd on 0330 060 1053 who will help manage your account and find a suitable solution based on your circumstances. your sincerely. Fine they know the debt advisor is no longer in the frame. wait on NCO
Letter Dated 23/6/16. NCO.
Dear mr blah. you may already be aware your account has been purchased by cabot. NCO resolve will continue to manage this on there behalf blah blah blah.
no rush to reply wait on there next letter. date file ignore.
Letter 16/7/16. NCO
Dear mr blah. Despite our recent written request that explained the reasons why we need clarification of your current position in terms of the management of your account. we note with some concern that we have not yet received this,we therefore need you to contact us in the first instance. blah blah.
No rush guys.date file ignore.
27/7/16.SENT CCA REQUEST TO NCO.recorded royal mail. (wait and see)
Letter Cabot Financial (Europe ltd) Lender 31/7/16.
statement of account blah blah.file ignore.
Also garbled msg left on answer machine by NCO to phone them regarding a personal matter. (ha ha wanting there cut no doubt) obviously ignore
2017
Letter dated 31/1/17 received 16/2/17 statement of account Lender cabot Financial (Europe ltd)
Still no reply to date from cabot or nco regarding cca request. ha ha long may that continue
2018
Welcome, your account has a new home!
Letter Dated 12/02/2018. Received 16/02/2018. current creditor Cabot Financial UK Ltd
Dear Mr Blah
Welcome to Cabot
The Cabot Credit Management Group owns you BOS Credit Card Account we previously asked NCO Europe Ltd to manage this account on our behalf. in order to continue providing you with the best possible service we have returned your account to Cabot to deal with you directly
the ref number you will need to use is (same as last one)
Please use this Ref going forward whenever you get in touch with us and when making payments
DISCOVER WHAT WE CAN DO FOR YOU
we want to give you a variety of options to manage your account with us.
you can take control of your account and manage it in the way you want.
Register your account online.so you can keep track of your balance make payments and set up your own plan.
OR CALL US on blah and talk to one of our customer consultants. they can talk you through the options for your account and find a solution that's right for you. if you are worried about making payments. Then you should still contact us. And we can guide you towards organisations which could help. ONCE YOU HAVE PAID YOUR ACCOUNT. we will send you a letter to let you know the account is closed.
Deborah Green blah blah
Date File ignore.
Letter dated 9/3/2018 Received 15/3/2018 Current creditor Cabot Financial uk limited
Dear Mr Blah
YOUR BALANCE IS WAITING TO BE PAID. Long may that continue.
WHERE TO GO FROM HERE. Don't know about you guys but I am away for the weekly shop.
Don't let debt hang over you. set up monthly plan Accept smaller lump sum.CONSIDER WRITING OFF REMAINING BALANCE.
Call us blah blah
yours etc
Deborah Green. Sorry Debs gona have to put you on hold for a few more years.Date file ignore
Letter dated 27/3/2018.Received 2/4/2018.current creditor cabot financial uk ltd.
YOU NEED TO MAKE A NEW PLAN
you need to call us to make a new plan for your account. if you let us know your budget we can help you work out a repayment plan that suits your current situation. There may be a very good reason why you couldn't continue your previous plan.yep a very good reason. If you are having problems financially there are organisations that can help. blah blah. it is important that you speak with us so that we can restart your plan as your balance is still waiting to be paid well fancy that? balance still waiting to be paid.
Call us. we will never ask you to pay more than you can afford blah blah thank goodness for that. cos I cant afford zilch
Date File ignore
Letter Dated 13/4/2018 Received 18/4/2018.Current Creditor Cabot Financial uk Ltd
Dear Mr Blah
we understand that you may have other priorities to deal with, but we can help you figure out how much money you have spare to begin paying off your account. Once we have worked out how much you can afford to pay, we will talk to you about how you can start making payments to suit you. PAY IN FULL. MONTHLY REPAYMENT PLAN DISCOUNT.
GET IN TOUCH. we cant help you if you don't talk to us. call us on blah. and discuss your account with our customer consultants
they can talk you through your income and expenditure and help you choose a repayment option that suits you. we need to hear from you soon our team will be trying to contact you in the meantime.
your etc Deborah Green
your all heart Debs date file ignore
Letter dated 8/5/2018. received 11/5/2018.current creditor cabot financial uk ltd.
TELL US YOUR BUDGET SAVE £50 (Wow Super duper)
All you need to do is call us on blah blah blah
Call us you have 4 weeks to claim this offer.
yours Dishy Debs Thanks Debs. could not possibly rob u of £50.
Date file ignore
Letter dated 21/6/2018 Received 25/6/2018 current creditor cabot financial uk ltd
Dear Mr Blah
OUR OFFER TO YOU.
We understand it can be difficult to clear your account in a short period of time especially if you have other priorities to take into account you bet i do. we believe we understand debt and wanted to share our thoughts with you.We will work with you to understand your financial situation if we can find an opportunity to repay this account in the short term. then we will help you make that happen. yep am sure u guys are all heart.we own your account and are prepared to reduce the balance in order to help you become free of this debt sooner. Subject to agreeing appropriate terms of repayment. knew there was a catch.
Next steps if you would like to take us up on our offer then call us on blah. if this is not suitable then you need to advise us of your proposal to clear your account well how about i propose ZILCH This account may affect your credit rating and your ability to get credit in the future Ask our team if its registered Well let me think on that one for a mo? nope not registered default fell off ages ago date file ignore
Letter dated 18/7/2018. Received 25/7/2018 no current creditor. just headed cabot financial.
Dear Mr Blah Set up a payment plan and wee"ll treat you with this gift card
whoopee doo.
your ref your account your outstanding balance blah blah
How it works
give us a call on blah and speak to one of our customer consultants (catchers) agree an affordable plan Tell us the number on your gift card And then 7 days after your first payment We will load your card with SHIT Amount so you can treat yourself or anyone you like
cheers lets see ok got it 3 bags of crisps 1 bar of chocolate 1 can of diet coke. (oh and can i get 3 straws plz? on a tight budget here.
Letter Dated 15/9/2018. Received 21/9/2018. Current Creditor CABOT FINANCIALUK LTD. (YIPPEE)
PAY IN FULL. over a few months.
Discount offer.Will depend on what you can afford.(ZILCH)
MONTHLY REPAYMENT PLAN.Complete a budget form and we will work out what you can afford. (see above)
Contact us blah blah
yours Dishy Debs
Date File ignore (wee spot of bother with the colours) not to fuss tho
Letter dated 15/10/2018. Received 18/10/20. current creditor Cabot Financial uk Ltd
Dear Mr Blah your balance is waiting to be paid.Long may that continue. Different payment options for you.
Pay in Full chuckle Monthly repayment plan. eh no thanks. Discount Now your Talking. 100% will do fine
Contact us.
Call us on blah.to discuss your options etc etc
yours sincerely Dishy Debbs
Date file ignore
Letter dated 29/11/2018. Received 3/12/2018 current creditor cabot Finacial uk Ltd
Dear Mr Blah.
A New approach. we are hoping a new approach could help you be free of this debt.
you may have questions about who we are. how your account got to us blah blah blah.
if you contact us. our consultants can help you understand what is happening with your account and they are experts in setting up repayment plans etc etc blah blah our goal is to understand what works best for you.
well not hard to figure what works best for me.
Talk to us no thanks Date File Ignore
2019
Letter dated 14/4/2019. Received 18/4/2019. Headed cabot Financial
Dear Mr Blah. WHAT"S HAPPENING NEXT
We have tried to contact you on a number of occasions blah blah blah Because we have been unable to contact you, we are now going to instruct a company called Resolvecall to visit you at your home. so they can put you back in touch with us
Fat chance of that my friend.
YOU CAN STILL TALK TO US INSTEAD. blah blah blah.
Date file ignore and wait on contact from Charlie chuckle brother
Letter dated 1/5/2019. Received 4/5/2019 RESOLVECALL.
Dear Mr blah. We are acting on behalf of CABOT FINANCIAL EUROPE LTD.
Although the letters always state CABOT FINANCIAL UK LTD.
Its in your interest to contact us immediately upon receipt of this letter blah blah.
Failure to do so blah blah will result in a home visit blah blah
Door step letter sent Royal mail recorded 6/5/2019.
Letter dated 17/5/2019. Received 18/5/2019. Resolvecall.
Dear Mr Blah
Thank you for your recent correspondence the contents of which we have noted blah blah. you have stated your intention to serve us with Notice of Removal of implied rights of Access. For the purpose of clarity. we do not accept the contents of this notice,nor do we believe it has any relevance to the account you hold with us. It is our belief that there are certain consumer groups and websites providing misinformation to consumers in the form of template letters which they state will allow the user to avoid discussion or repayment of their debts.This is not the case and we believe these are harmful to the consumer.
we are not required to gain permission to carry out a visit to your property for the purpose of debt collection related activities. blah blah blah blah
We welcome all constructive communication in relation to your account and we hope to come to an amicable resolution to this matter without the need to visit your property
yours sincerely
kenny cowan
correspondence team
Well well. 10/7/2019. Resolvecall appeared at my home address.
He asked to speak to mr blah. i asked who he was. He replied Resolvecall. i said no dont want to speak with you. please leave and he promptly left. put his card thro the letter box tho. before he left. the guy must be living in hope. File his card away.
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
bank of scotland credit card
opened 29/6/1994
approx balance £6.057.28
last full payment june 2008
then DMP till aug 2012 then debt settlement plan till 4/3/2016. not paying at the mo.
Default dropped off.
Asigned to cabot think cabot printed the asignment themselves as both arirved in same envelopeLetter from cabot Financial uk ltd current creditor dated 13/05/2016 received 19/05 2016. dear blah your account. we want to make sure that you get the right support for your account so with that in mind we have asked NCO Europe ltd to manage your account from here on. we understand you have a debt advisor acting on your behalf and we have therefore also contacted them to inform them of the change. WHAT YOU NEED TO DO there is no immediate action you need to take as NCO Europe ltd will be in contact with your debt advisor directly if you no longer have a debt advisor please call NCO Europe ltd on 0330 060 1053 who will help manage your account and find a suitable solution based on your circumstances. your sincerely. Fine they know the debt advisor is no longer in the frame. wait on NCO
Letter Dated 23/6/16. NCO.
Dear mr blah. you may already be aware your account has been purchased by cabot. NCO resolve will continue to manage this on there behalf blah blah blah.
no rush to reply wait on there next letter. date file ignore.
Letter 16/7/16. NCO
Dear mr blah. Despite our recent written request that explained the reasons why we need clarification of your current position in terms of the management of your account. we note with some concern that we have not yet received this,we therefore need you to contact us in the first instance. blah blah.
No rush guys.date file ignore.
27/7/16.SENT CCA REQUEST TO NCO.recorded royal mail. (wait and see)
Letter Cabot Financial (Europe ltd) Lender 31/7/16.
statement of account blah blah.file ignore.
Also garbled msg left on answer machine by NCO to phone them regarding a personal matter. (ha ha wanting there cut no doubt) obviously ignore
2017
Letter dated 31/1/17 received 16/2/17 statement of account Lender cabot Financial (Europe ltd)
Still no reply to date from cabot or nco regarding cca request. ha ha long may that continue
2018
Welcome, your account has a new home!
Letter Dated 12/02/2018. Received 16/02/2018. current creditor Cabot Financial UK Ltd
Dear Mr Blah
Welcome to Cabot
The Cabot Credit Management Group owns you BOS Credit Card Account we previously asked NCO Europe Ltd to manage this account on our behalf. in order to continue providing you with the best possible service we have returned your account to Cabot to deal with you directly
the ref number you will need to use is (same as last one)
Please use this Ref going forward whenever you get in touch with us and when making payments
DISCOVER WHAT WE CAN DO FOR YOU
we want to give you a variety of options to manage your account with us.
you can take control of your account and manage it in the way you want.
Register your account online.so you can keep track of your balance make payments and set up your own plan.
OR CALL US on blah and talk to one of our customer consultants. they can talk you through the options for your account and find a solution that's right for you. if you are worried about making payments. Then you should still contact us. And we can guide you towards organisations which could help. ONCE YOU HAVE PAID YOUR ACCOUNT. we will send you a letter to let you know the account is closed.
Deborah Green blah blah
Date File ignore.
Letter dated 9/3/2018 Received 15/3/2018 Current creditor Cabot Financial uk limited
Dear Mr Blah
YOUR BALANCE IS WAITING TO BE PAID. Long may that continue.
WHERE TO GO FROM HERE. Don't know about you guys but I am away for the weekly shop.
Don't let debt hang over you. set up monthly plan Accept smaller lump sum.CONSIDER WRITING OFF REMAINING BALANCE.
Call us blah blah
yours etc
Deborah Green. Sorry Debs gona have to put you on hold for a few more years.Date file ignore
Letter dated 27/3/2018.Received 2/4/2018.current creditor cabot financial uk ltd.
YOU NEED TO MAKE A NEW PLAN
you need to call us to make a new plan for your account. if you let us know your budget we can help you work out a repayment plan that suits your current situation. There may be a very good reason why you couldn't continue your previous plan.yep a very good reason. If you are having problems financially there are organisations that can help. blah blah. it is important that you speak with us so that we can restart your plan as your balance is still waiting to be paid well fancy that? balance still waiting to be paid.
Call us. we will never ask you to pay more than you can afford blah blah thank goodness for that. cos I cant afford zilch
Date File ignore
Letter Dated 13/4/2018 Received 18/4/2018.Current Creditor Cabot Financial uk Ltd
Dear Mr Blah
we understand that you may have other priorities to deal with, but we can help you figure out how much money you have spare to begin paying off your account. Once we have worked out how much you can afford to pay, we will talk to you about how you can start making payments to suit you. PAY IN FULL. MONTHLY REPAYMENT PLAN DISCOUNT.
GET IN TOUCH. we cant help you if you don't talk to us. call us on blah. and discuss your account with our customer consultants
they can talk you through your income and expenditure and help you choose a repayment option that suits you. we need to hear from you soon our team will be trying to contact you in the meantime.
your etc Deborah Green
your all heart Debs date file ignore
Letter dated 8/5/2018. received 11/5/2018.current creditor cabot financial uk ltd.
TELL US YOUR BUDGET SAVE £50 (Wow Super duper)
All you need to do is call us on blah blah blah
Call us you have 4 weeks to claim this offer.
yours Dishy Debs Thanks Debs. could not possibly rob u of £50.
Date file ignore
Letter dated 21/6/2018 Received 25/6/2018 current creditor cabot financial uk ltd
Dear Mr Blah
OUR OFFER TO YOU.
We understand it can be difficult to clear your account in a short period of time especially if you have other priorities to take into account you bet i do. we believe we understand debt and wanted to share our thoughts with you.We will work with you to understand your financial situation if we can find an opportunity to repay this account in the short term. then we will help you make that happen. yep am sure u guys are all heart.we own your account and are prepared to reduce the balance in order to help you become free of this debt sooner. Subject to agreeing appropriate terms of repayment. knew there was a catch.
Next steps if you would like to take us up on our offer then call us on blah. if this is not suitable then you need to advise us of your proposal to clear your account well how about i propose ZILCH This account may affect your credit rating and your ability to get credit in the future Ask our team if its registered Well let me think on that one for a mo? nope not registered default fell off ages ago date file ignore
Letter dated 18/7/2018. Received 25/7/2018 no current creditor. just headed cabot financial.
Dear Mr Blah Set up a payment plan and wee"ll treat you with this gift card
whoopee doo.
your ref your account your outstanding balance blah blah
How it works
give us a call on blah and speak to one of our customer consultants (catchers) agree an affordable plan Tell us the number on your gift card And then 7 days after your first payment We will load your card with SHIT Amount so you can treat yourself or anyone you like
cheers lets see ok got it 3 bags of crisps 1 bar of chocolate 1 can of diet coke. (oh and can i get 3 straws plz? on a tight budget here.
Letter Dated 15/9/2018. Received 21/9/2018. Current Creditor CABOT FINANCIALUK LTD. (YIPPEE)
PAY IN FULL. over a few months.
Discount offer.Will depend on what you can afford.(ZILCH)
MONTHLY REPAYMENT PLAN.Complete a budget form and we will work out what you can afford. (see above)
Contact us blah blah
yours Dishy Debs
Date File ignore (wee spot of bother with the colours) not to fuss tho
Letter dated 15/10/2018. Received 18/10/20. current creditor Cabot Financial uk Ltd
Dear Mr Blah your balance is waiting to be paid.Long may that continue. Different payment options for you.
Pay in Full chuckle Monthly repayment plan. eh no thanks. Discount Now your Talking. 100% will do fine
Contact us.
Call us on blah.to discuss your options etc etc
yours sincerely Dishy Debbs
Date file ignore
Letter dated 29/11/2018. Received 3/12/2018 current creditor cabot Finacial uk Ltd
Dear Mr Blah.
A New approach. we are hoping a new approach could help you be free of this debt.
you may have questions about who we are. how your account got to us blah blah blah.
if you contact us. our consultants can help you understand what is happening with your account and they are experts in setting up repayment plans etc etc blah blah our goal is to understand what works best for you.
well not hard to figure what works best for me.
Talk to us no thanks Date File Ignore
2019
Letter dated 14/4/2019. Received 18/4/2019. Headed cabot Financial
Dear Mr Blah. WHAT"S HAPPENING NEXT
We have tried to contact you on a number of occasions blah blah blah Because we have been unable to contact you, we are now going to instruct a company called Resolvecall to visit you at your home. so they can put you back in touch with us
Fat chance of that my friend.
YOU CAN STILL TALK TO US INSTEAD. blah blah blah.
Date file ignore and wait on contact from Charlie chuckle brother
Letter dated 1/5/2019. Received 4/5/2019 RESOLVECALL.
Dear Mr blah. We are acting on behalf of CABOT FINANCIAL EUROPE LTD.
Although the letters always state CABOT FINANCIAL UK LTD.
Its in your interest to contact us immediately upon receipt of this letter blah blah.
Failure to do so blah blah will result in a home visit blah blah
Door step letter sent Royal mail recorded 6/5/2019.
Letter dated 17/5/2019. Received 18/5/2019. Resolvecall.
Dear Mr Blah
Thank you for your recent correspondence the contents of which we have noted blah blah. you have stated your intention to serve us with Notice of Removal of implied rights of Access. For the purpose of clarity. we do not accept the contents of this notice,nor do we believe it has any relevance to the account you hold with us. It is our belief that there are certain consumer groups and websites providing misinformation to consumers in the form of template letters which they state will allow the user to avoid discussion or repayment of their debts.This is not the case and we believe these are harmful to the consumer.
we are not required to gain permission to carry out a visit to your property for the purpose of debt collection related activities. blah blah blah blah
We welcome all constructive communication in relation to your account and we hope to come to an amicable resolution to this matter without the need to visit your property
yours sincerely
kenny cowan
correspondence team
Well well. 10/7/2019. Resolvecall appeared at my home address.
He asked to speak to mr blah. i asked who he was. He replied Resolvecall. i said no dont want to speak with you. please leave and he promptly left. put his card thro the letter box tho. before he left. the guy must be living in hope. File his card away.
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
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