Stuckinarut UE Diary

[nightwatch]

so true, I have been here for many long nights, I am glad to of been of some help in the darker times.

[stuckinarut]

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

Springs to mind

[stuckinarut]

[QUOTE=stuckinarut;n1336188]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









































'
















































there sweet time getting round to this one. Still worth the wait

[nightwatch]

nice one x

[stuckinarut]

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

These muppets are triers, will give them that, Not got a cat in hells chance tho

[stuckinarut]

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

These peeps are not half wasting postage

[Spud]

These peeps are not half wasting postage

You are not wrong there

[The Tech Clerk]

Take it is an Annual statement these companies are suppose to send out? many of theses companies do not do so!

[The Tech Clerk]

Section 6 of the Consumer Credit Act 2006 inserts a new section (s77A) whereby a statement must be provided if the agreement is a fixed sum credit agreement under section 77A.

The statement should explain the money borrowed, money paid, interest in all cases and the outstanding amount.

The creditor under a regulated agreement for fixed sum credit must within a period of one year (beginning with the day after the day on which the agreement is made) give the debtor a statement.

After giving that statement, the creditor must give the debtor further statements at intervals of not more than one year.

[stuckinarut]

Hi Tech clerk, yes they need to realise tho, it ceases to exist after 5yrs in Scotland,( unless covered by English Law) as they could not produce an agreement who know what applied? I'll go for Scottish tho