spent2much UE diary

[Spent2much]

Re: spent2much UE diary

thanks guys although they are thick they've had one before but if i have to remind them again lol

I know I thought the same thing , but Cabot then became Cabot Financial (Marlin) Limited and that's when they started pestering again x

[PlanB]

Re: spent2much UE diary

Just checking something

Correct me if I'm wrong but according to your diary post # 1566 your last (and only?) CCA request was sent to the Halifax on 9th July 2012.

In which case why did Cabot send you documents on 15th July 2015 (three years later) in relation to a CCA request ?

I'm probably being daft so please set me straight.

Plan B x

[Spent2much]

Re: spent2much UE diary

thanks guys although they are thick they've had one before but if i have to remind them again lol

[The Tech Clerk]

Re: spent2much UE diary

PT Template

[Pixie]

Re: spent2much UE diary

I would S2M.

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)mine

Date commenced (2003)

Approx balance (£1,756)

Date last paid (22 June 2012)

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (HBOS)
9/7/12 cca request sent to halifax cc

4/8/12 halifax, cannot find original cca. terms and conditions sent to niddy



13/8/12 sent missing PT's to halifax
20/9/12 account assigned to Cabot 3/8/12

9/11/12 payment reminder from Cabot
9/11/12
from cabot
your account is overdue .
You agreed to make monthly repayments to cabot via a debt counsellor, but according to our records these payments have stopped .





We are aware that you are currently dealing with a debt counsellor, and we appreciate your cooperation in this matter.

We have conducted a review of your account and note that your debt counsellor has not yet made a repayment proposal, nor have you made any recent payments towards your account.

We understand that you are experiencing financial difficulties and that your debt counsellor will be making a repayment proposal shortly. However, we would like to offer you an alternative to hlep you be free of this debt within a few months.

OUR SOLuTION

We have already contacted your debt counsellor to advise them of our proposal to accept the lower amount of £1012.35 as full and final settlement of your account , and they may have already contacted you in this regard. If not, and you wish to take advantage of this settlement offer , please contact us within the next fourteen days.

The £1012.35 ideally needs to be paid over the next few weeks but if you do feel that you need more time then we can work with you to arrange this.

We hope you see our proposal as a solution to settle this account. However , should this not be feesible at this stage, we will be happy to continue to work with your debt counsellor to setup a repayment plan

6/02/2014 Cabot
6/02/2014 Cabot

YOU MUST CONTACT US

According to our records you currently owe £****** even though we have made repeated attempts (YES THEY HAVE TO MY MOBILE AND LANDLINE DAILY ) to obtain your commitment to repay this debt.

FIRST STEPS
It is important that you contact us. The balance is due and we have many ways in which we can help you clear this account.

It is important to take the first steps to repay this. No matter how small that is , it is still important to repay the money that is owed.

WHAT NEXT

One of our customer consultants can help you call 000000000
20/03/2014-
Cabot - we are sending your account to another debt collection company.

We have tried to work with you for some time now to help you repay your account .
Despite repeated attempts to contact you and asking you to talk to us about your account , we have still not heard from you.

We now have to start the next step recovery action. We are passing your account to Financial Investigations and Recoveries(Europe) Limited. They will receive our instructions within the next seven days.

We understand how difficult it can be to have a debt and we also understand how we can help you . We can only do that if you contact us.

If we do not hear from you then Financial Investigations and Recoveries(Europe) Limited will be in touch shortly to agree a repayment plan .





22/04/2014 Cabot

Notice of arrears

This notice is in compliance with the Financial Conduct Authority Consumer Credit Sourebook and is being sent to you because our records who that you are behind with your repayments under your agreement.

Missed and partly made payments

This notice does not give dteails of missed or partly made paymets previously notified whether or not they remain unpaid.

DEFAULT SUMS AND INTEREST

You will not incur any deault sums or extra interest in relation to the missed or partly mae payments indidcated above. This notice does not take account of any payments received after the date of the notice.

Financial Conduct Authority Information Sheet.

This notice should include a copy of the current information sheet on arrears prepared by the Financial Conduct Authority. This contains important information about your rights and whete to go for support and advice, for example , to thnk carefully before boroowing money to repay your debts, as well as our right to charge you interest.

Important Information

This is not a final demand for payment BUT A FORMAL SATUTORY NOTICE TO NOTIFY YOU THAT YOUR ACCOINT IS IN ARREARS . Where we have accepted a lesser amount than your normal contractual repayments, it is important that you continue to make these repayments. Our acceptance of a lesser repayment amount should not be construed as a variation of novation of the terms of your agreement. We have the merely relaxed the ters to suit your needs but at all times reserve the right to strictly enforce the terms if you do not keep up with your repayments

03/05/2014 marlin financial services.

threat of court action to obtain a CCJ if payment arrangement plan is not made within 7 days of the date of this letter 29/04/2014

03/03/2015 Marlin/Cabot group are now a part of Marlin financial services
Letter explaining that cabot (CCM)
We note that you are yet to agree a repayment plan with us for you account and we really need to hear from you so that we can talk about options .

15/07/2015 From Cabot . We refer to your request for a copy of your agreement and statement of account.
Please find enclosed a copy of both documents from the original creditor.

Please contact us by return with your payment proposals to clear the amount outstanding .

The documents they have sent are the exact ones they sent last time which niddy has seen and said they UE. I need to send them the missing PT template ?

1/08/2015 sent missing P&T to Cabot

[nightwatch]

Re: spent2much UE diary

I would as well xxx

[Pixie]

Re: spent2much UE diary

That's what I'd do

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)mine

Date commenced (2003)

Approx balance (£246)

Date last paid (22 June 2012)

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (HBOS)
9/7/12 cca request sent
28/9/12 from Halifax account sold to BLS 3/8/12

26/10/12
repayment plan arrears
overdue account ,
10 days to repay the amount owing
14/11/12 pay today reminder

13/12/12
from BLS

Please find enclosed a statement of account as requested.

Should you require any further assistance please telephone us.
14/12/12
BLS essential that you contact us today

22/12/12 from Halifax
As we haven't been able to agree a suitable repayment plan we've trasferred your account ot Moorcroft


28/12/12 from moorcroft

advising me Halifax have instructed them to collect the overdue debt of £246.26

It is a legal requirement to send a notice of intended litigation before legal proceedings in the county Court are issued. We believe that this letter fulfils this requirement even if it is not actually read by you .

To prevent our recommeding to our client that solicitors commence legal proceedings, it is essential that you settle this debt without delay. Payment should be submitted in full within 7 dyas or contact made with this office immediately, by telephone on 000000000000 or by letter, with your payment offer. Both our client and we do not wish to take this action but if agreement cannot be reached by 31/12/12 , a claim may be issued by solicitors to act on behalf of our client without further notice.

WE WOULD DRAW TO YOUR ATTENTION THAT IF JUDGTMENT AND AN ORDER FOR REPAYMENT IN FULL IS OBTAINED AND REMAINS UNPAID, A RANGE OF COURT ENFORCEMENT OPTIONS ARE AVAILABLE TO OUR CLIENT AND APPLICATION FOR ONE OF THESE MAY BE CONSIDERED.

We would emphasise that should judgement be entered agaisnt you this may affect any future credit application you may make elsewhere . Legal cost mentioned also blah blah


10/01/13 from Moorcroft
IMPORTANT INFORMATION-POSSIBLE FURTHER ACTION
pay before the 15/01/13 by calling us .

23/01/13 from Moorcroft
MONTHLY INSTALMENT OFFER

08/02/13 from midascreditservies
We are part of the Moorcroft Group and are aware that you have failed to reach repayment agreement with Moorcroft .
contact Moorcroft now to prevent possible further action


22/02/13 from Moorcroft

DISCOUNT OFFER installments .


30/ 03/13 from Moorcroft

discount offer

I am disappointed to note that despite our numerous attempts to contact you no satisfactory agreement has been reached regarding the balance oustanding of £246 on the above account.

However in one last attempt to come to an arrangement to prevent the possibility of further debt recovery action being recommneded our client has informed us that we may be able to offer you a substantial discount from your outstanding balance. This means that if you able to pay an acceptable lump sum within the next 14 days we will not pursue the remaining balance of the debt .



ignore ?
29/04/13 Halifax
Account transferred to Westcot Credit Services Ltd


18/05/13 SWID to westcot
07/05/13 Westcot

We have been instructed by our client to collect the outstanding balance on their behalf.

You should read both sides of this notice carefully, follow the instructions and reply IMMEDIATELY. If you have any queries or any of the information supplied is incorrect, please contact us on the number supplied .

TO AVOID WESTCOT TAKING FURTHER , YOU MUST

PAY THE DEBT IN FULL TO WESTCOT OR CONTACT US ON BLAH BLAH
07/05/13 Westcot
We have been instructed by our client to collect the outstanding balance on their behalf.
You should read both sides of this notice carefully, follow the instructions and reply IMMEDIATELY.If you have any queries or any of the information supplied is incorrect, please contact us .
TO AVOID WESTCOT TAKING FURTHER ACTION, YOU MUST:
PAY THE DEBT IN FULL TO WESTCOT OR 2. CONTACT US ON BLAH BLAH BLAH
15/05/13 Westcot
FINAL NOTICE
Our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous corrospondence.

Unless you contact us to agree repayment of £246.26 within the next 10 days , further collection activity will be taken to recover the full outstanding balance.

Please do not ignore this letter as this could result in further action being taken to recover the debt .

31/05/13 Westcot

We acknowledge that have raised a query on this account and we would like to confrim to you how this will be investigated.

We will suspend all collections activity on the above account whilst the matter is under investigation.This means that we will not write to you, or telephone you in pursuit of the account whilst it is being investigated. 10/06/2013 westcot
We refer to your recent communication. Having contacted our client they have advised that the above balance is correct and due for payment .They state that the above balance relates to a current account, therefore no credit agreement is available.

In the circumstances, we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required by return. Payment can be made by direct debit or online

If in the event you believe you still have a valid dispute , please contact us with the details within the next 14 days otherwise your account will be returned to our recovery team for collection

8/11/2013 from capquest
(wrong information about account they are saying it is a bank of Scotland credit card when it is a Halifax overdraft )
capquest have been asked to manage the account , usual threats of may send doorstep agents, possible litigation .
must contact them by the 15/11/2013 , if no contact then account will be passed to their solicitors HL Legaln

no contact will mean further action

23/11/2013 HL LEGAL solicitors
capquest has appointed us, on behalf of Bank of Scotland Credit Card. (this account is an overdraft ) not a credit card.

TAKE NOTICE THAT unless this account is paid in full or a satisfactory proposal for settlement is received by 05 Dec Court proceedings may be issued against you without further notice.

court costs explained

In the event that judgement is obtained against you,enforcement action will result in further costs .



I am going to send a quid to these muppets as they requested even though I begrudge it lol, must send it today though as I forgot about it .

ps notice the blue is working it seems to work on my laptop but not my main pc .

03/01/2014 sent £1 as requested will wait for them to realise it isn't a credit card but an overdraft



13/01/2014 capquest
we have been advised by bank of scotland that section 74 of cca 1974 provides that an overdraft on a current account will not fall within the documentation requirements of the cca . Therefore we are not providing a copy agreement for the above account. Please find enclosed your £1.00 postal order fee.

Please contact to discuss the payment options for this account.

31/01/2014 capquest
sending doorstep agents scotcall limited to arrange repayment

If a response is not made by 31/01/2014 an agent will be despatched and will call at the above address .

To avoid agent calling contact us by 31/01/2014

If contact is made before this date (impossible as this letter arrived today 31/01/2014,so bull shit as usual) they will offer a settlement figure of £184.70 to clear the amount.
will only show as parital settlement on credit file.

or can settle the account in instalments


2/02/2014 sent doorstep and phone call harassment letter to capquest

13/02/2014 Capquest

We have removed your telephone number from our system.

This account has been placed on hold until 08 March 2014 and we would be grateful if you could contact us during this period to advise us on how you would like to proceed with this account

If you require any further assistance , please do not hesitate to contact us.

11/12/14 assigned to 1st credit

24/12/2014 1st credit , offer for them to help pay with a reduced offer

5/01/2015 1st credit

letter giving me debt management companies names and then they can help me come to an arrangement to pay , enclosed is an income and expenditure form too .

15/01/2015 1st credit

As an outstanding creditor we will consider all offers of repayment.

We invite you to make an offer of repayment that is affordable to you based on your current financial circumstances . Be assured , we will not make unreasonable requests for a repayment amount that you cannot afford to make.

Remember , you are able to repay £246.26 over a period of time with flexible weekly, fortnightly, four-weekly or monthly installment plans that suit you .


24/01/2015 1st credit

Your balance is still outstanding and remains unpaid.

Whilst we would not ask you to repay more than you can afford, we do ask that you give us a call.

When you call in , our agents will perform a financial review with the purpose of reaching a repayment plan that's tailored to your current financial circumstances. It is important to us that any repayment plan is both affordable and sustainable for you .

we understand that you may be hesitant to speak with us, but we believe we can help .


24/01/2015 1st credit

Your balance is still outstanding and remains unpaid.

Whilst we would not ask you to repay more than you can afford, we do ask that you give us a call.

When you call in , our agents will perform a financial review with the purpose of reaching a repayment plan that's tailored to your current financial circumstances. It is important to us that any repayment plan is both affordable and sustainable for you .

we understand that you may be hesitant to speak with us, but we believe we can help .

11/6/2015 1st credit Notification of potential escalation in collections activity.

We refer to our previous letters and are unaware of any legally valid reason for non-payment of the above debt or of a reasonalbe offer being made.

We have not received payment in full or been able to set a repayment plan with you despite numerous attemps to contact you to resolve this matter.

As a result of these circumstances we are now considering an esculation in collections activity such as futhere letter and phone calls.

In an attempt to resolve this matter we are extending a one off settlement opportunity to enable you to settle your account whilst making a substantial saving. This offer is open for acceptance throughout June after which is automoatcially withdrawn

update. I ignoring it for now as i don't have a mobile phone now and the landline isn't working so not bothered about the phoning and will wait for their letter .

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2003)

Approx balance (£4,782)

Date last paid (22 June 2012)

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (HBOS
9/7/12 cca request sent
23/7/12 from Halifax , they sent what they call a cca, sent to niddy.
23/7/12 niddy says UE



13/8/12 sent missing PT's
20/9/12 from Halifax account assigned to Cabot as 3/8/12
9/11/12 cabot reminder for payment

7.01.13
from Cabot

No reply from your debt counsellor

According to our records we haven't had a reply from your debt counsellor. If you'd still like the counsellor to manage your accout for you, please ask them to contact us as soon as possible.

However, if you'd now prefer to deal with your account yourself, please call Cabot and let us know.

If we don't hear from you

Unless you or your debt counsellor contact us within the next 14 days we'll pass your account back to our Collections Department and they'll contact you directly.

Contact Cabot

If you have any queries , call one of our helpful customer advisors on 0800 328 0708

9/03/13 account passed to Robinson way, pay now or else .

25/03/13 account sold while in dispute sent



13/7/13 Cabot

We are aware that you are currently dealing with a debt counsellor, and we appreciate your cooperation in this matter.

We have conducted a review of your account and note that your debt counsellor has not yet made a repayment proposal, nor have you made any recent payments towards your account.

We understand that you are experiencing financial difficulties and that your debt counsellor will be making a repayment proposal shortly. However, we would like to offer you an alternative to hlep you be free of this debt within a few months.

OUR SOLuTION

We have already contacted your debt counsellor to advise them of our proposal to accept the lower amount of £1912.96 as full and final settlement of your account , and they may have already contacted you in this regard. If not, and you wish to take advantage of this settlement offer , please contact us within the next fourteen days.

The £1912.96 ideally needs to be paid over the next few weeks but if you do feel that you need more time then we can work with you to arrange this.

We hope you see our proposal as a solution to settle this account. However , should this not be feesible at this stage, we will be happy to continue to work with your debt counsellor to setup a repayment plan

6/02/2014 Cabot

YOU MUST CONTACT US

According to our records you currently owe £4782.40 even though we have made repeated attempts (YES THEY HAVE TO MY MOBILE AND LANDLINE DAILY ) to obtain your commitment to repay this debt.

FIRST STEPS
It is important that you contact us. The balance is due and we have many ways in which we can help you clear this account.

It is important to take the first steps to repay this. No matter how small that is , it is still important to repay the money that is owed.

WHAT NEXT

One of our customer consultants can help you call 000000000

12/03/2014 Cabot - we are sending your account to another debt collection company.

We have tried to work with you for some time now to help you repay your account .
Despite repeated attempts to contact you and asking you to talk to us about your account , we have still not heard from you.

We now have to start the next step recovery action. We are passing your account to Financial Investigations and Recoveries(Europe) Limited. They will receive our instructions within the next seven days.

We understand how difficult it can be to have a debt and we also understand how we can help you . We can only do that if you contact us.

If we do not hear from you then Financial Investigations and Recoveries(Europe) Limited will be in touch shortly to agree a repayment plan .

27/03/2014 Financial Investigations and Recoveries(Europe) Limited
We have been instructed to recover the amount you owe on your account.

We are seeking payment of the balance above and would like to discuss this with you.

You can make a payment directly to us or we can work with you to set up a monthly payment plan.

If you are have having difficulty paying this amount, then please call us to discuss how we can help you. You may benefit from some free independent advice and we can give you details of some organisations to contact .

Our team look forward to talking to you so please call us

22/04/2014 Cabot

Notice of arrears

This notice is in compliance with the Financial Conduct Authority Consumer Credit Sourebook and is being sent to you because our records who that you are behind with your repayments under your agreement.

Missed and partly made payments

This notice does not give dteails of missed or partly made paymets previously notified whether or not they remain unpaid.

DEFAULT SUMS AND INTEREST

You will not incur any deault sums or extra interest in relation to the missed or partly mae payments indidcated above. This notice does not take account of any payments received after the date of the notice.

Financial Conduct Authority Information Sheet.

This notice should include a copy of the current information sheet on arrears prepared by the Financial Conduct Authority. This contains important information about your rights and whete to go for support and advice, for example , to thnk carefully before boroowing money to repay your debts, as well as our right to charge you interest.

Important Information

This is not a final demand for payment BUT A FORMAL SATUTORY NOTICE TO NOTIFY YOU THAT YOUR ACCOINT IS IN ARREARS . Where we have accepted a lesser amount than your normal contractual repayments, it is important that you continue to make these repayments. Our acceptance of a lesser repayment amount should not be construed as a variation of novation of the terms of your agreement. We have the merely relaxed the ters to suit your needs but at all times reserve the right to strictly enforce the terms if you do not keep up with your repayments .

03/05/2014 marlin Financial services

IMPORTANT NOTICE

The above creditor has confirmed that there is no resonable repayment plan and the above debt remains outstanding. We are no in the process of advising our client to take lititgation action against you to recover this outstanding debt.

Currently it is our intention to instruct a solicitor to issue court proceedings against you to seek a CCJ. You would be able to submit a defence to any claim made which the court would consider, but if a CCJ we subsequently awarded by the court it would typically be registered on your credit file for 6 years and would specify how you must pay the judgment debt. If you were to fail to make payment in accordance with the ccj your creditor would then be entitled to apply to the court to enforce the ccj by whicever is appropriate of

attactchment of earnings order , if you are employed
charging order to secure the debt against your property
an alternate enforcement method appropirate to your circumstances

goes about about how the court would consider the application

If an agreeable repayment plan is not reached within 7 days of the date of this letter we will advise your creditor to proceed with the above court action.

03/03/2015 Marlin/Cabot group are now a part of Marlin financial services
Letter explaining that cabot (CCM)
We note that you are yet to agree a repayment plan with us for you account and we really need to hear from you so that we can talk about options .

21/5/2015 Cabot

copy of statement of account , still waiting for cca from original creditor

update

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)mine

Date commenced (2003)

Approx balance (£1,756)

Date last paid (22 June 2012)

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (HBOS)
9/7/12 cca request sent to halifax cc

4/8/12 halifax, cannot find original cca. terms and conditions sent to niddy



13/8/12 sent missing PT's to halifax
20/9/12 account assigned to Cabot 3/8/12

9/11/12 payment reminder from Cabot
9/11/12
from cabot
your account is overdue .
You agreed to make monthly repayments to cabot via a debt counsellor, but according to our records these payments have stopped .





We are aware that you are currently dealing with a debt counsellor, and we appreciate your cooperation in this matter.

We have conducted a review of your account and note that your debt counsellor has not yet made a repayment proposal, nor have you made any recent payments towards your account.

We understand that you are experiencing financial difficulties and that your debt counsellor will be making a repayment proposal shortly. However, we would like to offer you an alternative to hlep you be free of this debt within a few months.

OUR SOLuTION

We have already contacted your debt counsellor to advise them of our proposal to accept the lower amount of £1012.35 as full and final settlement of your account , and they may have already contacted you in this regard. If not, and you wish to take advantage of this settlement offer , please contact us within the next fourteen days.

The £1012.35 ideally needs to be paid over the next few weeks but if you do feel that you need more time then we can work with you to arrange this.

We hope you see our proposal as a solution to settle this account. However , should this not be feesible at this stage, we will be happy to continue to work with your debt counsellor to setup a repayment plan

6/02/2014 Cabot
6/02/2014 Cabot

YOU MUST CONTACT US

According to our records you currently owe £****** even though we have made repeated attempts (YES THEY HAVE TO MY MOBILE AND LANDLINE DAILY ) to obtain your commitment to repay this debt.

FIRST STEPS
It is important that you contact us. The balance is due and we have many ways in which we can help you clear this account.

It is important to take the first steps to repay this. No matter how small that is , it is still important to repay the money that is owed.

WHAT NEXT

One of our customer consultants can help you call 000000000
20/03/2014-
Cabot - we are sending your account to another debt collection company.

We have tried to work with you for some time now to help you repay your account .
Despite repeated attempts to contact you and asking you to talk to us about your account , we have still not heard from you.

We now have to start the next step recovery action. We are passing your account to Financial Investigations and Recoveries(Europe) Limited. They will receive our instructions within the next seven days.

We understand how difficult it can be to have a debt and we also understand how we can help you . We can only do that if you contact us.

If we do not hear from you then Financial Investigations and Recoveries(Europe) Limited will be in touch shortly to agree a repayment plan .





22/04/2014 Cabot

Notice of arrears

This notice is in compliance with the Financial Conduct Authority Consumer Credit Sourebook and is being sent to you because our records who that you are behind with your repayments under your agreement.

Missed and partly made payments

This notice does not give dteails of missed or partly made paymets previously notified whether or not they remain unpaid.

DEFAULT SUMS AND INTEREST

You will not incur any deault sums or extra interest in relation to the missed or partly mae payments indidcated above. This notice does not take account of any payments received after the date of the notice.

Financial Conduct Authority Information Sheet.

This notice should include a copy of the current information sheet on arrears prepared by the Financial Conduct Authority. This contains important information about your rights and whete to go for support and advice, for example , to thnk carefully before boroowing money to repay your debts, as well as our right to charge you interest.

Important Information

This is not a final demand for payment BUT A FORMAL SATUTORY NOTICE TO NOTIFY YOU THAT YOUR ACCOINT IS IN ARREARS . Where we have accepted a lesser amount than your normal contractual repayments, it is important that you continue to make these repayments. Our acceptance of a lesser repayment amount should not be construed as a variation of novation of the terms of your agreement. We have the merely relaxed the ters to suit your needs but at all times reserve the right to strictly enforce the terms if you do not keep up with your repayments

03/05/2014 marlin financial services.

threat of court action to obtain a CCJ if payment arrangement plan is not made within 7 days of the date of this letter 29/04/2014

03/03/2015 Marlin/Cabot group are now a part of Marlin financial services
Letter explaining that cabot (CCM)
We note that you are yet to agree a repayment plan with us for you account and we really need to hear from you so that we can talk about options .

update

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2003)

Approx balance (£4,782)

Date last paid (22 June 2012)

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (HBOS
9/7/12 cca request sent
23/7/12 from Halifax , they sent what they call a cca, sent to niddy.
23/7/12 niddy says UE



13/8/12 sent missing PT's
20/9/12 from Halifax account assigned to Cabot as 3/8/12
9/11/12 cabot reminder for payment

7.01.13
from Cabot

No reply from your debt counsellor

According to our records we haven't had a reply from your debt counsellor. If you'd still like the counsellor to manage your accout for you, please ask them to contact us as soon as possible.

However, if you'd now prefer to deal with your account yourself, please call Cabot and let us know.

If we don't hear from you

Unless you or your debt counsellor contact us within the next 14 days we'll pass your account back to our Collections Department and they'll contact you directly.

Contact Cabot

If you have any queries , call one of our helpful customer advisors on 0800 328 0708

9/03/13 account passed to Robinson way, pay now or else .

25/03/13 account sold while in dispute sent



13/7/13 Cabot

We are aware that you are currently dealing with a debt counsellor, and we appreciate your cooperation in this matter.

We have conducted a review of your account and note that your debt counsellor has not yet made a repayment proposal, nor have you made any recent payments towards your account.

We understand that you are experiencing financial difficulties and that your debt counsellor will be making a repayment proposal shortly. However, we would like to offer you an alternative to hlep you be free of this debt within a few months.

OUR SOLuTION

We have already contacted your debt counsellor to advise them of our proposal to accept the lower amount of £1912.96 as full and final settlement of your account , and they may have already contacted you in this regard. If not, and you wish to take advantage of this settlement offer , please contact us within the next fourteen days.

The £1912.96 ideally needs to be paid over the next few weeks but if you do feel that you need more time then we can work with you to arrange this.

We hope you see our proposal as a solution to settle this account. However , should this not be feesible at this stage, we will be happy to continue to work with your debt counsellor to setup a repayment plan

6/02/2014 Cabot

YOU MUST CONTACT US

According to our records you currently owe £4782.40 even though we have made repeated attempts (YES THEY HAVE TO MY MOBILE AND LANDLINE DAILY ) to obtain your commitment to repay this debt.

FIRST STEPS
It is important that you contact us. The balance is due and we have many ways in which we can help you clear this account.

It is important to take the first steps to repay this. No matter how small that is , it is still important to repay the money that is owed.

WHAT NEXT

One of our customer consultants can help you call 000000000

12/03/2014 Cabot - we are sending your account to another debt collection company.

We have tried to work with you for some time now to help you repay your account .
Despite repeated attempts to contact you and asking you to talk to us about your account , we have still not heard from you.

We now have to start the next step recovery action. We are passing your account to Financial Investigations and Recoveries(Europe) Limited. They will receive our instructions within the next seven days.

We understand how difficult it can be to have a debt and we also understand how we can help you . We can only do that if you contact us.

If we do not hear from you then Financial Investigations and Recoveries(Europe) Limited will be in touch shortly to agree a repayment plan .

27/03/2014 Financial Investigations and Recoveries(Europe) Limited
We have been instructed to recover the amount you owe on your account.

We are seeking payment of the balance above and would like to discuss this with you.

You can make a payment directly to us or we can work with you to set up a monthly payment plan.

If you are have having difficulty paying this amount, then please call us to discuss how we can help you. You may benefit from some free independent advice and we can give you details of some organisations to contact .

Our team look forward to talking to you so please call us

22/04/2014 Cabot

Notice of arrears

This notice is in compliance with the Financial Conduct Authority Consumer Credit Sourebook and is being sent to you because our records who that you are behind with your repayments under your agreement.

Missed and partly made payments

This notice does not give dteails of missed or partly made paymets previously notified whether or not they remain unpaid.

DEFAULT SUMS AND INTEREST

You will not incur any deault sums or extra interest in relation to the missed or partly mae payments indidcated above. This notice does not take account of any payments received after the date of the notice.

Financial Conduct Authority Information Sheet.

This notice should include a copy of the current information sheet on arrears prepared by the Financial Conduct Authority. This contains important information about your rights and whete to go for support and advice, for example , to thnk carefully before boroowing money to repay your debts, as well as our right to charge you interest.

Important Information

This is not a final demand for payment BUT A FORMAL SATUTORY NOTICE TO NOTIFY YOU THAT YOUR ACCOINT IS IN ARREARS . Where we have accepted a lesser amount than your normal contractual repayments, it is important that you continue to make these repayments. Our acceptance of a lesser repayment amount should not be construed as a variation of novation of the terms of your agreement. We have the merely relaxed the ters to suit your needs but at all times reserve the right to strictly enforce the terms if you do not keep up with your repayments .

03/05/2014 marlin Financial services

IMPORTANT NOTICE

The above creditor has confirmed that there is no resonable repayment plan and the above debt remains outstanding. We are no in the process of advising our client to take lititgation action against you to recover this outstanding debt.

Currently it is our intention to instruct a solicitor to issue court proceedings against you to seek a CCJ. You would be able to submit a defence to any claim made which the court would consider, but if a CCJ we subsequently awarded by the court it would typically be registered on your credit file for 6 years and would specify how you must pay the judgment debt. If you were to fail to make payment in accordance with the ccj your creditor would then be entitled to apply to the court to enforce the ccj by whicever is appropriate of

attactchment of earnings order , if you are employed
charging order to secure the debt against your property
an alternate enforcement method appropirate to your circumstances

goes about about how the court would consider the application

If an agreeable repayment plan is not reached within 7 days of the date of this letter we will advise your creditor to proceed with the above court action.

03/03/2015 Marlin/Cabot group are now a part of Marlin financial services
Letter explaining that cabot (CCM)
We note that you are yet to agree a repayment plan with us for you account and we really need to hear from you so that we can talk about options .

update

[Spent2much]

Re: spent2much UE diary

Hi there

All quiet on the western front? Any news?

Best
SnV

Hi, Not a thing , its really peaceful what with youngest son left home and no dca boring us

[SaltnVinegar]

Re: spent2much UE diary

Hi there

All quiet on the western front? Any news?

Best
SnV

[Enforcer]

Re: spent2much UE diary

Had the same over a year ago from a different DCA after it had already done the rounds.. Lloyds then SOLD it to Marlin. Marlin wrote to me, I enclosed a copy of letter saying no CCA. Still get regular updates from Marin, but no phone calls or threats. Will just have to sit it out.
Congrats anyway!