spent2much UE diary

[nightwatch]

Re: spent2much UE diary

I've had exactly the same letter from Crappybott, well 2 actually one for a barclaycard that barcs have said they cant enforce, and one for sainsburys that crappy said was enforceable and all they had sent were some T&C that could of been for any account

[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

update .send sold while in dispute letter ?

[nightwatch]

Re: spent2much UE diary

they (crapbot) have sent 2 of my accounts to FIR well I think they have , they sent the letter saying they were going to but not heard off them yet.

unless it's the 2 unavailable and 4 overseas numbers that show up on the Truecall account.

[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 .

update what should i send in response into this please and thank 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 £2024070 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

update , same as hubby recieved today what shall i send in response to this please and thank you again

[Still Waving]

Re: spent2much UE diary

update , same as hubby recieved today what shall i send in response to this please and thank you again

Hi
Just file them both. "This is not a final demand"

[Spent2much]

Re: spent2much UE diary

Hi
Just file them both. "This is not a final demand"

Thank you very much

[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.

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 £2024070 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

update , received exactly the same letter as my husbands

[Still Waving]

Re: spent2much UE diary

update , received exactly the same letter as my husbands

Hi S2M

Marlin appear to be sending out a lot of these at the moment. See http://forums.all-about-debt.co.uk/s...th-Cabot/page2 post #40 onwards.

EDIT: See also post #38 by MrsD on the same thread.

[nightwatch]

Re: spent2much UE diary

Hi s2m
Cabot are passing a lot of their accounts to Fire & Marlin, they must be getting a bit short on funds.
They passed 2 of mine to Fire, so I sent a SWID letter to them (fire) the reply came from Cabot that One was UE and they couldn't collect on it.As for the second one, all they ever sent was T&C , they said they were still waiting for Sainsburys to send them the rest of the paper work so would put the account on hold till they received it.
So It seems their filing system has had a problem and the left draw hasn't got a clue what the right draw contains,
I would send a sold in dispute to marlin for both accounts

[Pixie]

Re: spent2much UE diary

I think I would go with Deepie on Beefy's thread and send new cca requests for both accounts asap

[Spent2much]

Re: spent2much UE diary

Hi S2M

Marlin appear to be sending out a lot of these at the moment. See http://forums.all-about-debt.co.uk/s...th-Cabot/page2 post #40 onwards.

EDIT: See also post #38 by MrsD on the same thread.

I can't access the CCA template it is saying i am not authorized , i need to get these sent off asap . What's going on please

[Deepie]

Re: spent2much UE diary

I can't access the CCA template it is saying i am not authorized , i need to get these sent off asap . What's going on please

Have a read here-----? Accessing Our New Templates

[Spent2much]

Re: spent2much UE diary

I just registered but not able to go any further it is stuck on the additional information page when i press Register it is not doing any thing else