spent2much UE diary

[Spent2much]

Re: spent2much UE diary

They are quite correct in their thinking that you have other priorities to deal with.....So credit where it is due

Unfortunately giving them your financial details is not one of them.....

Date, File, Smile

Indeed that's true i mean we have just been to Rhodes and that was a priority we need to have a holiday don't we

[Spud]

Re: spent2much UE diary

They are quite correct in their thinking that you have other priorities to deal with.....So credit where it is due

Unfortunately giving them your financial details is not one of them.....

Date, File, Smile

[Spent2much]

Re: spent2much UE diary

update . ignore ?



May 4 2016 from Cabot
working within your budget
We understand that you may have other priorities to deal with , but we can help you figure out how much money you have spare to begin paying off your account.

Once we have worked out how much you could afford to pay we'll talk to you about how you can start making payments to suit you.

If your're struggling ether with finances or a personal situation we can help point you towards organisations which can help you for free.

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 we can also do this over the phone with you .

update , not filling in the budget form the cheeky beggars .

[Spent2much]

Re: spent2much UE diary

If you have confirmation from Niddy(looking at the info they sent you on 6/8/15) that this is still UE then I would continue to ignore them

thanks need to ignore then

sorry for the late reply didn't see it and have been on holiday .

[SaltnVinegar]

Re: spent2much UE diary

update . ignore ?

If you have confirmation from Niddy(looking at the info they sent you on 6/8/15) that this is still UE then I would continue to ignore them

[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 .



1/8/2015 sent missing p&t to cabot


SORRY THIS IS BLUE IT JUST WON'T CHANGE TO RED TO POST A REPLY FROM CABOT

6/8/2015 From Cabot

We write with reference to the above matter and your recent leter received in our office regarding the Agreement we previously sent to you .

Here is an overview of the requirements of section 127(3) of the CCA 1974. For a credit agreement to be enforceable it must contain the following prescribed terms.

1) amount of credit
There must be a term on the agreement which states the amount of credit which has been issued

2)Credit Limit
The agreement must include regarding a credit limit or if a credit limit is not required (i.e. in the case of a loan)
3) repayments
The agreement must contain information on how the debtor is to make repayments. This could be in the form of any of the following .
a. amount of repayments to be made
b.date the repayments are to be made
c.timing of payments
d.frequency of payments
e.total number of repayments (for instance, when a loan is required)
f.the manner in which any of the above is to be determined.

4) rate of interest
There must be a term referring to the rate of interest to be applied to the credit agreement.

credit cards
If you have a credit card then sections 2,3,and 4 apply to you .

We have highlighted the relevant sections in the terms and conditions of your agreement which confirms that the enclosed agreement is a true copy with the cca 1974 . The agreement also does provide your name and address .
Please contact us with your repayment proposals to clear the above outstanding balance.
If you wish to discuss the matter with one of our customer consultants , please call the telephone number ...............


15/08/2015 Cabot

Save £1,214.82 on your balance

Offer to pay £808.88 as a full and final payment .


23/01/2016 Cabot

We would like to help you take some positive steps towards repaying your balance.
If you are able to clear your account within the next few months , we can assess how much you can pay or we can even consider an affordable monthly repayment plan .

Your account may be showing on your credit file and this may affect your ability to obtain credit now and in the future . When you commence payments on your account, every payment you make will reduce the balance shown on your credit file. If you feel you can't make payments then it is important that you call us and explain this to us .

04/02/2016 Cabot - we have not heard from you

despite repeated attempts to contact you, we have been unable to gain your commitment to repay you debt .

the balance is due and we have advise you of several options that we are available,all of which are in an attempt to help you be free of this debt .

you can manage your account by repaying an amount on a monthly basis or make a proposal to clear your account at a reduced balance over several months.

you should be aware that this account may be on your credit file as an outstanding debt . whilst no payments are being made your balance remains the same . this may not just affect you now but in the future if you ant to obtain further credit such as a mortgage or credit card.

if you start making payments towards your account your balance will reduce, if you clear the account then your credit file will be updated to show that no balance is outstanding .

AS I WOULDN'T HAVE KNOW THAT LOL

19/02/2016 Cabot
Your outstanding balance -potential legal action

We were hoping to talk to you about your account since our last letter was sent, this is important as our letters have included options to help you repay your account.

A you have been unable to agree a reasonable repayment plan for your above debt your account has now been selected for possible legal action to recover the balance.

What legal action could mean?
OUr typical approach would be to instruct a solicitor to issue a claim for the amount due and to them an application for CCJ to issued against you.

This could result in additional cost to you ad affect your credit rating for a number of years

bla bla bla threat of earnings order , charging order

Next steps This s a serious matter and should legal action be determined t be a appropriate , you may incur legal costs on your account.

We would prefer to avoid legal action and rather arrange a repayment plan directly with you or talk through other options , however if you don't contact us int he 10 days we will proceed as highlighted above , so it is important that you contact us by Telephone email or our website.

9/3/2016 cabot

we write with reference to your letter requesting a 'true copy' of your credit agreement, to which you claim the one previously provided to be insufficient.

we have reviewed the application form,, which was complete prior to the Halifax pre approving your credit card and can confirm it is a a true copy duly signed furthermore, the terms and conditions are specific to the credit card application (copies enclosed ).

we have also enclosed a statement of account which commences from 2009 which confirmed you had the benefit of the funds in total of £2,202 outstanding at that time relating to your halifax credit card . the statement confirms you were making minimal payments between Feb 2009 and July 2012 when payments ceased .

we therefore conclude we have fully complied with your request and the documents provided are true copies as stated and the balance of 2.202 remains due .

we look forward to hearing from you with you payment proposals .


1/4/2016 Cabot

Thank you for paying in the past, we appreciate that you tried to repay your account . You still 2024 on your account that needs to be paid We would like to help you set up a repayment plan that will see you being free from this balance.

Don't let debt hang over you. We can talk you through our different options and find a solution that suit you.




15/4/2016 cabot

you need to make a new plan

you need to call us to a make a new plan for your account, if you let us know your budget, we can help you work out a repayment plan that suits your current situation.

There may be a very good reason why you couldn't continue your previous plan, we;d like to understand what changed so that we can guide you towards help.

If you are having problems financially there are organisations on the back of this letter that can help you.

call us

we will never ask you t pay more than you can afford. we understand bull. food and other essentials must come first. we will word around your budget and sure your next plan suits your situation .

update . ignore ?



May 4 2016 from Cabot
working within your budget
We understand that you may have other priorities to deal with , but we can help you figure out how much money you have spare to begin paying off your account.

Once we have worked out how much you could afford to pay we'll talk to you about how you can start making payments to suit you.

If your're struggling ether with finances or a personal situation we can help point you towards organisations which can help you for free.

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 we can also do this over the phone with you .

[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 .



1/8/2015 sent missing p&t to cabot


SORRY THIS IS BLUE IT JUST WON'T CHANGE TO RED TO POST A REPLY FROM CABOT

6/8/2015 From Cabot

We write with reference to the above matter and your recent leter received in our office regarding the Agreement we previously sent to you .

Here is an overview of the requirements of section 127(3) of the CCA 1974. For a credit agreement to be enforceable it must contain the following prescribed terms.

1) amount of credit
There must be a term on the agreement which states the amount of credit which has been issued

2)Credit Limit
The agreement must include regarding a credit limit or if a credit limit is not required (i.e. in the case of a loan)
3) repayments
The agreement must contain information on how the debtor is to make repayments. This could be in the form of any of the following .
a. amount of repayments to be made
b.date the repayments are to be made
c.timing of payments
d.frequency of payments
e.total number of repayments (for instance, when a loan is required)
f.the manner in which any of the above is to be determined.

4) rate of interest
There must be a term referring to the rate of interest to be applied to the credit agreement.

credit cards
If you have a credit card then sections 2,3,and 4 apply to you .

We have highlighted the relevant sections in the terms and conditions of your agreement which confirms that the enclosed agreement is a true copy with the cca 1974 . The agreement also does provide your name and address .
Please contact us with your repayment proposals to clear the above outstanding balance.
If you wish to discuss the matter with one of our customer consultants , please call the telephone number ...............


15/08/2015 Cabot

Save £1,214.82 on your balance

Offer to pay £808.88 as a full and final payment .


23/01/2016 Cabot

We would like to help you take some positive steps towards repaying your balance.
If you are able to clear your account within the next few months , we can assess how much you can pay or we can even consider an affordable monthly repayment plan .

Your account may be showing on your credit file and this may affect your ability to obtain credit now and in the future . When you commence payments on your account, every payment you make will reduce the balance shown on your credit file. If you feel you can't make payments then it is important that you call us and explain this to us .

04/02/2016 Cabot - we have not heard from you

despite repeated attempts to contact you, we have been unable to gain your commitment to repay you debt .

the balance is due and we have advise you of several options that we are available,all of which are in an attempt to help you be free of this debt .

you can manage your account by repaying an amount on a monthly basis or make a proposal to clear your account at a reduced balance over several months.

you should be aware that this account may be on your credit file as an outstanding debt . whilst no payments are being made your balance remains the same . this may not just affect you now but in the future if you ant to obtain further credit such as a mortgage or credit card.

if you start making payments towards your account your balance will reduce, if you clear the account then your credit file will be updated to show that no balance is outstanding .

AS I WOULDN'T HAVE KNOW THAT LOL

19/02/2016 Cabot
Your outstanding balance -potential legal action

We were hoping to talk to you about your account since our last letter was sent, this is important as our letters have included options to help you repay your account.

A you have been unable to agree a reasonable repayment plan for your above debt your account has now been selected for possible legal action to recover the balance.

What legal action could mean?
OUr typical approach would be to instruct a solicitor to issue a claim for the amount due and to them an application for CCJ to issued against you.

This could result in additional cost to you ad affect your credit rating for a number of years

bla bla bla threat of earnings order , charging order

Next steps This s a serious matter and should legal action be determined t be a appropriate , you may incur legal costs on your account.

We would prefer to avoid legal action and rather arrange a repayment plan directly with you or talk through other options , however if you don't contact us int he 10 days we will proceed as highlighted above , so it is important that you contact us by Telephone email or our website.

9/3/2016 cabot

we write with reference to your letter requesting a 'true copy' of your credit agreement, to which you claim the one previously provided to be insufficient.

we have reviewed the application form,, which was complete prior to the Halifax pre approving your credit card and can confirm it is a a true copy duly signed furthermore, the terms and conditions are specific to the credit card application (copies enclosed ).

we have also enclosed a statement of account which commences from 2009 which confirmed you had the benefit of the funds in total of £2,202 outstanding at that time relating to your halifax credit card . the statement confirms you were making minimal payments between Feb 2009 and July 2012 when payments ceased .

we therefore conclude we have fully complied with your request and the documents provided are true copies as stated and the balance of 2.202 remains due .

we look forward to hearing from you with you payment proposals .


1/4/2016 Cabot

Thank you for paying in the past, we appreciate that you tried to repay your account . You still 2024 on your account that needs to be paid We would like to help you set up a repayment plan that will see you being free from this balance.

Don't let debt hang over you. We can talk you through our different options and find a solution that suit you.

update , isn't it a nice letter

[Spent2much]

Re: spent2much UE diary

I'd be inclined to file it and see what Cabot send next.

They threatened potential legal action , they have already had a response to that CCA they've sent it twice now so I have filed it

[Pixie]

Re: spent2much UE diary

I'd be inclined to file it and see what Cabot send next.

[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 .



1/8/2015 sent missing p&t to cabot


SORRY THIS IS BLUE IT JUST WON'T CHANGE TO RED TO POST A REPLY FROM CABOT

6/8/2015 From Cabot

We write with reference to the above matter and your recent leter received in our office regarding the Agreement we previously sent to you .

Here is an overview of the requirements of section 127(3) of the CCA 1974. For a credit agreement to be enforceable it must contain the following prescribed terms.

1) amount of credit
There must be a term on the agreement which states the amount of credit which has been issued

2)Credit Limit
The agreement must include regarding a credit limit or if a credit limit is not required (i.e. in the case of a loan)
3) repayments
The agreement must contain information on how the debtor is to make repayments. This could be in the form of any of the following .
a. amount of repayments to be made
b.date the repayments are to be made
c.timing of payments
d.frequency of payments
e.total number of repayments (for instance, when a loan is required)
f.the manner in which any of the above is to be determined.

4) rate of interest
There must be a term referring to the rate of interest to be applied to the credit agreement.

credit cards
If you have a credit card then sections 2,3,and 4 apply to you .

We have highlighted the relevant sections in the terms and conditions of your agreement which confirms that the enclosed agreement is a true copy with the cca 1974 . The agreement also does provide your name and address .
Please contact us with your repayment proposals to clear the above outstanding balance.
If you wish to discuss the matter with one of our customer consultants , please call the telephone number ...............


15/08/2015 Cabot

Save £1,214.82 on your balance

Offer to pay £808.88 as a full and final payment .


23/01/2016 Cabot

We would like to help you take some positive steps towards repaying your balance.
If you are able to clear your account within the next few months , we can assess how much you can pay or we can even consider an affordable monthly repayment plan .

Your account may be showing on your credit file and this may affect your ability to obtain credit now and in the future . When you commence payments on your account, every payment you make will reduce the balance shown on your credit file. If you feel you can't make payments then it is important that you call us and explain this to us .

04/02/2016 Cabot - we have not heard from you

despite repeated attempts to contact you, we have been unable to gain your commitment to repay you debt .

the balance is due and we have advise you of several options that we are available,all of which are in an attempt to help you be free of this debt .

you can manage your account by repaying an amount on a monthly basis or make a proposal to clear your account at a reduced balance over several months.

you should be aware that this account may be on your credit file as an outstanding debt . whilst no payments are being made your balance remains the same . this may not just affect you now but in the future if you ant to obtain further credit such as a mortgage or credit card.

if you start making payments towards your account your balance will reduce, if you clear the account then your credit file will be updated to show that no balance is outstanding .

AS I WOULDN'T HAVE KNOW THAT LOL

19/02/2016 Cabot
Your outstanding balance -potential legal action

We were hoping to talk to you about your account since our last letter was sent, this is important as our letters have included options to help you repay your account.

A you have been unable to agree a reasonable repayment plan for your above debt your account has now been selected for possible legal action to recover the balance.

What legal action could mean?
OUr typical approach would be to instruct a solicitor to issue a claim for the amount due and to them an application for CCJ to issued against you.

This could result in additional cost to you ad affect your credit rating for a number of years

bla bla bla threat of earnings order , charging order

Next steps This s a serious matter and should legal action be determined t be a appropriate , you may incur legal costs on your account.

We would prefer to avoid legal action and rather arrange a repayment plan directly with you or talk through other options , however if you don't contact us int he 10 days we will proceed as highlighted above , so it is important that you contact us by Telephone email or our website.


21/2/2016 sent fianl response cca to cabot
9/3/2016 cabot

we write with reference to your letter requesting a 'true copy' of your credit agreement, to which you claim the one previously provided to be insufficient.

we have reviewed the application form,, which was complete prior to the Halifax pre approving your credit card and can confirm it is a a true copy duly signed furthermore, the terms and conditions are specific to the credit card application (copies enclosed ).

we have also enclosed a statement of account which commences from 2009 which confirmed you had the benefit of the funds in total of £2,202 outstanding at that time relating to your halifax credit card . the statement confirms you were making minimal payments between Feb 2009 and July 2012 when payments ceased .

we therefore conclude we have fully complied with your request and the documents provided are true copies as stated and the balance of 2.202 remains due .

we look forward to hearing from you with you payment proposals .

The document they have sent is exactly the same one as niddy said is UE i think now about 3 times ,

what is my next move ?

please

[Pixie]

Re: spent2much UE diary

More than likely.

[DNW]

Re: spent2much UE diary

I've received those same recent letters S2M, I wonder if they're trying to scare a few folks into paying something before the end of the financial year?

[Spent2much]

Re: spent2much UE diary

That's right, you have had a CCA response, they refuse to acknowledge that it's got missing PT's, so it's Final Response (CCA Recieved) - bottom of the left hand column in the link

thank you Elsa xx

and everyone else xx

[Undercover Elsa]

Re: spent2much UE diary

That's right, you have had a CCA response, they refuse to acknowledge that it's got missing PT's, so it's Final Response (CCA Recieved) - bottom of the left hand column in the link

[cymruambyth]

Re: spent2much UE diary

S2m, it's the next letter that states Final response UE (CCA received)