Stuckinarut UE Diary

[Phoenix]

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

Long may they continue to leave you alone ....

[nanna58]

Re: Stuckinarut UE Diary

Great ignoring skills x

[stuckinarut]

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

party time

well still no sign of the chuckle brothers just some phone calls (all zapped by blocker) Bet they feel ignored.

[stuckinarut]

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

These guys surely dont know what an invitation means ha ha looks like they are gona invite themselves. phees letter to hand
27/4/17.MOORCROFT. (telephone call) lunchtime

Ha ha. well that was quick. the deadline to contact them was 27/4/17. still plenty time left to ignore before there deadline expired? like a greyhound out of a trap these guys cant even wait on there own deadline to expire. oh blocked the number they used by the way. just wait on charlie chuckle brother to knock the door now. (hope im home if he does)

party time

[stuckinarut]

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

Bank of Scotland current account.opened 27/12/2001
approx balance £2200
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. Alternative solution for your account. we do want what's best for you. we can help you be free of this Debt what you could pay Amount saved. etc etc.Deborah green. Head of customer operations.

Well Debs help me be free Don't bother with it. Date file ignore. (no need to sprint at the start of a marathon)
Letter Dated 4/6/16. Received 10/6/16. YOUR ACCOUNT we haven't received your last payment from your DMP. WE HAVE TRIED TO CONTACT THEM BUT THEY HAVE NOT RESPONDED. so we decided to contact you. blah blah blah.
Haven't received your last payment? (no shit Sherlock) date file ignore

Letter Dated 19/6/16. Received. 25/6/16. 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. COULD I PAY LESS. WHERE CAN I GET ADVISE.
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. 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 18/10/16. 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. 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. thanks for your kind offer. date file ignore.
Letter dated 24/2/17 received 1/3/17. NEXT STEPS. We have tried to contact you on a number of occasions so that we can understand your situation 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
Ha ha. well that was quick. the deadline to contact them was 27/4/17. still plenty time left to ignore before there deadline expired? like a greyhound out of a trap these guys cant even wait on there own deadline to expire. oh blocked the number they used by the way. just wait on charlie chuckle brother to knock the door now. (hope im home if he Does)party time.
MOORCROFT. 3/5/17. 325PM. phoned. zapped by blocker
MOORCROFT.6/5/17 159pm phoned zapped by blocker
MOORCROFT.9/5/17 phoned lunchtime zapped by blocker
MOORCROFT 10/5/17 Zapped by blocker.

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

well at long last they used another number and got through and left what sounded like an automated message to phone them. (blah fat chance)
Letter from moorcroft dated 10/07/2017 received between 12th and 16th. was away for a few days.

If you set up a plan to pay £50 a month you will be free of this debt in a few months however we are flexible you can pay more or less according to your circumstances CONTACT US TO AVOID FURTHER DEBT COLLECTION ACTIVITY. by receiving further letters and phone calls.

Date file ignore

Letter from cabot. dated 19/8/17. received 26/8/17
your account was being managed by an agent of ours. we have decided we would like to work with you directly and have asked them to return it to us.
we know you have previously made payments to our agents. and we want to support you by helping you to set up a personal payment plan.
A NEW PLAN BUILT FOR YOU.
We specialise in flexible payment plans built around our customers. we can talk to make sure its affordable.
well i have not made any payments to there agents. (as well they know) the personal payment plan is very affordable at the present rate.
£00.00 think i will stick with that for the next 4 years. looks like the charming debs green is back in the loop.
date file ignore.
Letter dated 9/9/17. received 15/9/17
WELCOME BACK TO CABOT
your account has been returned to us and we are still waiting to hear from you.
we know you previously made payments on this account with our agents and would like to help you on to one of our special payment plans.
A NEW PLAN BUILT FOR YOU.
TALK ABOUT DIFFERENT OPTIONS PAY MONTHLY BUT WE CAN OFFER YOU A DISCOUNT TO SETTLE DEPENDING ON YOUR CIRCUMSTANCES.
WE WANT TO HELP. TAKE CONTROL OF YOUR ACCOUNT CALL US .
Well at the moment i am in control Debs. thanks for the generous offer tho. much obliged.
date file ignore.
Letter Dated 11/10/2017. Received 17/10/2017
YOUR BALANCE IS WAITING TO BE PAID.
thank you for paying in the past. we appreciate that you tried to repay your account. you still have £2k plus to pay
WHERE TO GO FROM HERE.
dont let debt hang over you.
set up a monthly plan
accept a smaller lump sum AND CONSIDER writing off the remaining balance
inform you where you can find additional help.
CALL US.
Devious words ha ha we appreciate you tried to repay YOUR Account. (here was me thinking it was there Account since THEY bought it for pennies)
Accept a smaller lump sum and CONSIDER WRITING OFF THE BALANCE.
well consider it already written off debs
plenty additional help here.

Letter dated 29/10/17. Received 211/17.
YOU NEED TO MAKE A NEW PLAN.
you need to call us to make a new plan for your account if you let us know your budget we can help you work out a repayment plan.
There may be a very good reason why you couldnt continue your previous plan.
it is important that you speak with us so that we can restart your plan
CALL US.
Quite happy with my plan at the moment DebsAnd yep i bet it is important that i call you (said the spider to the fly) so gona pass on that one all the same
Date file ignore.
Letter dated 15/11/17. Received 18/11/17.
Dear mr blah.
WORKING WITHIN YOUR BUDGET. .we understand you may have other priorities to deal with. but we can help you figure out how much money you have spare to begin paying off your account. once we have worked out how much you can afford to pay. we'll talk to you about how you can start making payments to suit you.blah blah blah.
we have included a budget form for you to complete and send back to us with this we can help put together an affordable plan for you.THERE ARE OTHER OPTIONS. pay in full/ monthly payment plan/ Discount. GET IN TOUCH.we cant help you if you dont talk to us Call blah blah. WE NEED TO HEAR FROM YOU SOON. our team will be trying to contact you in the meantime. yep am quite sure your team will be trying there very best to make contact Deborah Green. [ HOW ELSE WILL THEY GET THERE CHRISTMAS BONUS]. not from me if i can help it.
Date file ignore

[stuckinarut]

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

well well the chuckle brothers plan a visit ha ha doorstep letter off on monday recorded (moorcroft) RE LBG OWNED BY CABOT
CURRENT ACCOUNT. for some reason i was unable to reply with quote a previous post. kept saying i needed more than 3 characters and there was loads more? prob just me

[Never-In-Doubt]

Re: Stuckinarut UE Diary

To be honest guys, and with the FCA having balls unlike its predecessor, if a doorstep collector turns up just ignore the door or answer and tell them to go away and not come back then close the door. If they try and stop you just tell them you'll call the police and also report them to their firm with a formal FCA complaint too. * remember look for a visible ID badge / ask for ID before doing anything so you can take a photo (for your records).

Theyll soon bugger off. Just stay calm but make sure, if possible, when one knocks that you have your phone handy and video it. They'll soon play by the book. If they say you can't record just laugh and suggest they seek legal advice, after they've removed themselves from your property. You'll be fine.

[stuckinarut]

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

yep sure have a question Amy Fisher. as you are in default of my request for cca. why dont we just reduce the balance to ZERO. (dated and filed. and ignored)

statement of Activity. dated 22/03/2017. received 27/03/2017. YOUR STATEMENT. IN ZILCH OUT ZILCH. what should i do now. if you have made a payment arrangement no further action. if you have not made an arrangement. please call us on the number below to discuss your account.

sure thing Amy fisher. just as soon as you comply with the cca request. in the pile

[Phoenix]

Re: Stuckinarut UE Diary

Phee you are a star x

Thanks, Nanna.

But - I really shouldn't take credit for this - it is a "cut and paste"job from the forum template letter on doorstep visits.

You are the real star for that memory of yours!

[nanna58]

Re: Stuckinarut UE Diary

Phee you are a star x

[Phoenix]

Re: Stuckinarut UE Diary

may have been Phee who had a letter to keep handy to give to them if they turn up

Brilliant memory, Nanna! Yes, it was indeed me - and I still have the letter, hoarded on my ancient laptop for over six years!

I have copied the text below - if you would like a Word copy PM me and I will email it to you. I kept a copy printed out near the front door, but only used it once.

TO WHOM IT MAY CONCERN

Please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you: therefore instead, I am giving you this print-out to retain for future reference, as any further attempts to call at my home address will be reported as trespass to the local police.

In case you were not aware; there is an implied licence under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc. I respectfully suggest you familiarise yourself with case law prior to attending my property again, in particular pay attention to Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.

So, to summarise; I, [insert your name here]revoke licence under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including, but not limited to, police attendance and a claim for compensation for your continual harassment.



As everyone else has said already, these people have no powers whatsoever, although I do appreciate that it is not a pleasant experience. My advice would be to keep calm and dignified (even if you are shaking inside, don't let them see it) and look them straight in the eye and tell them that the account is "in dispute". My main thought was that it improved my7 "street cred" on here and how I could come on here and share it with all my friends on here.

Keep strong and remember you are not alone in this - so do come on here and have a good old rant! xxx

[nanna58]

Re: Stuckinarut UE Diary

Got to get my thinking head on , may have been Phee who had a letter to keep handy to give to them if they turn up .
I'll try to sort it if that helps, then no need to even speak .

[stuckinarut]

Re: Stuckinarut UE Diary

The only visit I ever had was from Moorcroft. I didn't even give the guy the chance to speak as I saw the Moorcroft heading on the sheet of paper on his clipboard and politely told him that I wouldn't be speaking to him and to go away.

cheers pixie. sent off the doorstep letter on Friday. was going to do it Thursday. but bummer. no ink it the blinking printer. so had to wait till Friday but if anyone shows will just tell them to ha ha GO AWAY

[JLC]

Re: Stuckinarut UE Diary

Fidelite tried to visit me but I have a no cold caller sign on my door. They just dropped three envelopes through the door. Never saw them again.

[nightwatch]

Re: Stuckinarut UE Diary

I've only had one visit , can't remember who, but hubby answered, asked me if I had time to speak to some guy at the door,I said no and he went.