spent2much UE diary

[Spent2much]

Sent the first CCA off to niddy to look at .
Here the journey begins

[Spent2much]

Re: spent2much UE diary

• Type of account (overdraft with lloydstsb) mine
  []Date commenced (2005)
• Approx balance.( £644.67
• Date last paid (22/06/2012)
• Are you on arrangement or not paying (stopping dmp )
• Status (default/letter recEIved today, )
• Account owner (iQor on behalf of their client )
• 9/7/2012 cca request sent

4/7/2012 from iQor , LloydsTsb have passed your debt to iQor with instructions to recover your outstanding balance .

If you do not take action to resolve this matter immediately, we may commence legal action in the county court . This may well result in a judgment/decree being recorded against you.
We may instruct a doorstep collector to visit your home to discuss your financial circumstances and agree payment .
If you think you cannot pay the debt in full at presen then call us .
1/08/2012 from gpb solicitors
We have been contacted by iQor recovery in relation to monies owed to LloydsTsb
If full payment ,or your proposals for payment , are not received by iQor within 10 days from the date of this letter, it is likely that we will be instructed to commence legal prceedings .

16/08/2012 from gpb LEGAL ACTION PENDING
You have failed to pay this overdue debt to LLOYDS TSB and we have been instructed by their agents iQor to recover the sum due. Full payment must be received in this office WITHIN SEVEN DAYS of the above date ,otherwise a counrt court claim may be issued without further warning .

goes on about court costs

If you fail to respond to this letter and we do obtain judgment against you , this not only impair your credit file and your ability to obtain credit, it may lead to further enforecment action and costs through

: Having your personal belongings seized and sold by a county court bailiff
:intercepting your wages with an attachment of earnings order being passed to any emploer you may have now or in the future

If you reside outside the jurisdiction of England and Wales , then our agents may be instructed to raise an action in your local court.

contact us now


28/08/2012 resent CCA reminder
13/09/2012 from iQor Further to your recent request under the CCA 1974,sec77/78 for copy of your original credit agreement we note that we have not received a fee of £1.00 from you which is required under the Act and for that reason we have not progressed your request any further.
Should you wish to continue with this request, please forward us the prescribed fee of £1.00 and your request in writing.

28/09/2012 from LloydsTsb , account passed to Robinson way
1/10/2012 from Robinson way,
Our client has authorised us to recover the full amount you woe, shown above.
Please pay the full amount without delay
If you do not pay or agree a payment plan with us, we may advise our client to start court action, If a court considers your failure to pay to be to neglect, an order for payment may be made.

goes on to say about an application made to the court, future credit will be affected, this account may continue to worry me.

12/10/2012 from Robinson way

APPOINTMENT FOR HOME VISIT

15/10/2012 LETTER SENT ABOUT THREATOGRAM AND HOME VISIT

29/10/2012 from Robinson way.

we refer to your recent request not to be contacted by telephone in respect of the above account .

We can confirm that your tlephone number has been removed from your account in our file. You remain fully liable for payment of the balance owing and any further action may still be taken to recover the sum due.
If you have not provided us with your repayment proposals, please contact us within the next 14 days.

24/11/2012 from HORWICH FARRELLY

We have been instructed by the above in relation to your outstanding debt.
Court action may be taken against you unless you take steps to resolve the matter quickly. At this stage you can avoid court proceedings by taking the following action within the next 10 days ..
Either:-
a) make full payment, or
b) Pay what you can now, and agree an affordable payment arrangement.

Remember court action may increase the amount you owe, by the addition of court fees.

you can pay and make proposals by using following websits robway.co.uk


21/02/13 from robinson way

WHERE HAVE WE GONE WRONG ?

We have sent you a number of letters, tried to telephone you, and our local representative may have called at your home,(COULD THIS BE MALCOM ?) but your account remains unpaid.

Full payment is due and payable. We know how worrying it can be to work out how to pay debts. If you cannot pay in full, we will listen and take into account your circumstances. the most important thing for you to do is get intouch.

We may offer a reduction to your balance, we can agree a payment plan that is affordable and which you can keep to.

Unpaid debts don't just go away or get forgotten no matter how much people want that to happen. Our staff are waiting to take your call, If you prefer , deal with this online at robway.co.uk or ypu can email us at : payline@robinson-way.com

25/02/2013 sent account sold while in dispute to Robinson way

7/03/2013 from robinson way (letter dated 4/03/13

with reference to your recent contact , this balance relates to a current account and as such is expempt from part V of the Conusmer Credit Act 1974.

There is therefore no requirement to produce a copy agreement.

We now require you to resume your payments or to contact us with your repayment proposals within 14 days

13/04/2013 from lloydsTsb
As we haven't been able to agree a suitable repayment plan, we 've transferred your account to a debt collection agency Firstsource Solutions UK Ltd to arrange a collection of the outstanding amount.

Please contact Firstsource as soon as possible to pay back the outstanding amount .

12/07/2014-LLOYDS BANK
Lloyds has assigned all of its respective rights, title and interest in respect of the above reference account (including the outstanding balance ) to Lowell Portfolio l Ltd effective 24/06/2014

12/07/2014- Lowell

This letter is intended to give you formal notice that your outstanding balance with Lloyds was sold and assigned to Lowell Portfolio l Ltd . on 24/06/2014. As Lowell now owns the debt , we are entitled to receive payment of the outstanding balance. Details of your account are set out in the right handn margin.

Lowell Portfolio l Ltd . has instructed Lowell Financial Ltd. to manage your account.

6/08/2014 Lowell
we want to help you clear your account

we still haven't agreed a repayment plan for the outstanding balance.

Please phone us asap

I received text messages from Lowell 17/07/14 4/08/14 12/08/14 .

8/09/2014 lowell
get in touch to discuss account oor lowell will pass debt onto Red Debt collections services who will obtain a copy of my credit file and determine what options to use to recover what i owe. for example they could use litigation .


12/11/2014 red dcs
we are a trading division of Lowell financial ltd and we are instructed to collect the money you owe to Lowell

we specialise in assessing accounts for litigation and will be obtaining a copy of your credit file in order to review your financial circumstances and the information within it will help us to determine the best way to recover what you owe.

You can avoid this by us ot either in full or to arrange a suitable payment plan.

If you do replay what you woe you could risk legal action being taken, We may decide to apply to the county court for a CCJ , If we are successful and you do not pay depending on the amount you woe and your circumstances we could apply to secure the debt against property that you own or to deduct amounts directly from your earnings . we may ask a court bailiff to remove goods from your house to the value of the debt. to avoid such action call us and if you are unable to pay the full balance we will arrange a payment plan that you can afford ,

27/11/2014 red
A discount on your balance
we now have a copy of your credit file and we have assessed the best way to recover the money you owe. we will now be passing your account on to hamptons legal, our pre-litigation department, with our recommendations unless we hear from you.
You can stop this happening . we are willing to offer you a discount on your balance .

Pay us 70% of your balance, which is £451.27 as full payment

If you are able to take advantage of our offer of discount your crdit file will be updated to show this account as partially satisfied. Alternatively, if paid in full you credit file will show this as satisfied.

PERSONALISED REPAYMENT PLANS
If the above discount option is not suitable, we can arrange an affordable repayment plan tailored to suit your current financial circumstances, for example

Pay £2 per day which is the equivalent of £60 per month

If this is not affordable for you call us .

If we do not hear from you or you do make an arrangement to pay in the next 10 days , we will instruct Hamptons Legal.

12/12/2014 Lowell complaint referred to customer services.
if we can telephone you , we will e able to discuss your concerns directly with you and hopefully agree a resolution with you verbally
Your account has been put on hold and we will stop all collections activity whilst dealing with your complaint . .

9/12/2014 Lowell account on hold whilst dealing complaint

30/01/2015 Lowell
lloyds have no record of a CCA on this account so Lowell are closing the account and will not contact me again , they are sorry for any distress or inconvenience caused and trust this now concludes the matter .

[Spent2much]

Re: spent2much UE diary

Type of account (credit card) husband's

Date commenced (2005) i put 2005 but they may be before this also

Approx balance.( £2,242.71

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status (default received but don't have it as was burgled in 2010 and some of our personal papers were scattered in the snow and could not be recovered )

Account owner (originally monument but passed to Barclaycard )
09/07/2012 sent CCA request
27/07/2012 barclaycard they are dealing with request

12/02/2013 from barclaycard

cca recon sent to niddy


13/02/13 sent missing pt's
22/02/2013 from Barclaycard
About your complaint

Thank you for contacting us on 13 feb 2013 regarding your Barclaycard
account.

I am sorry that you have had reason to complain.
I understand you are not satisfied that we have complied with our boligations under section 78 of CCA . We believe your credit agreement to be fully
compliant with the Act and any allegations that it is not will be opposed. I realise this is not the answer you wanted,so I have given the details below so you can see the reasons behind our decision .
I am aware that we made errors in our previous response which i have amended accordingly. Feedback has been given to the member of staff who made this error.

I would like to assure you that the provision of a high level of service is of paramount importance to us and apologise for the oversight in the information provided with our previous letter.

I would like to acknowledge your request for a copy of your original agreement and I am able to confirm that this has been sent to the relevant department who will contact you directly regarding this.

_____

It goes on to explain about the case of Carey v HSBC then about the statement of the terms of the agreement as varied regulation 7 of CNC regulations provides that, where an agreement has been varied in accordance with section 82(1) of the Act(as is the case with your credit agreement)


___________


another 2 pages of statement of account
compliance with section 61 of the Act
office of fair trading.

timescales
your options
Please take this letter as our final response to your complaint. If anything is unclear or if you are unhappy with the way we have handled your complaint. please write to the above address. I will do all I can to answer your questions and reach an agreement with you .

28/02/2013 from barclaycard

Thank you for contacting Barclaycard.

Arrangements have been made for a copy of your ofiginal agreement to be issued to you, under separate cover, in due course.

May i also advise that your other queries are being handled by another deprartment and they will reply to you shortly.

I hope this information is of some assistance to you.



07/03/2013 from Barclaycard
they have semt an application form saying it is a cca. I have sent it to niddy


5/03/2013
Niddy says still

23/08/2013 Barclaycard
I am writing to inform you that the was assigned and transferred by Barclaycard to MKDP LLP on 16 August 2013

This means that the effective owners of the above account are now MKDP LLP.

MKDP LLP has appointed MK Rapid Recoveries as their servicing agent to manage your account on their behalf. All contact regarding your account should now be directed to Rapid Recoveries.

I confirm that the amount outstanding on your account as at August was £2324.18

With effect from date of this notice all payments due to Barclaycard shall be paid to MKDP LLP.
11/10/13 from Rapid Recoveries
Further to our recent communication regarding transfer of ownership of your balance we have not received your offer of payment.

We want to help you and are in a position to offer an instalment arrangement to clear the outstanding balance, but we can only do this after speaking to you.

Pleas call us to discuss ways we can help.

Until we reach an agreement to clear this balance we will continue to contact you telephone or letter so we would advise you to contact us to resolve this matter.
24/10/2013-MKrapid recoveries
As you have not taken up our offer of help, we have no option but for your account to now be referred to Keynes Collections for litigation consideration to resolve this on our behalf.
They may commence litigation against you which will increase the amount payable due to costs incurred .Should the matter proceed they could take against your property (if you are a homeowner)or have monies deducted directly from your salary (if you are employed)

It is not too late to resolve this matter, please contact us immediately to allow us to help you avoid this.

26/11/2013 from Barclaycard , they have sent the same cca as last time , just to make sure though i have sent it onto Niddy to take a look .
Still UE .

4/12/13 received a pile of statements from MKDP and a cover letter saying their client had fulfilled their obligation by providing them and the UE forms they sent .

5/12/13 MKDP Further to your letter of acknowledgment we sent you in regards to the above account.

At this time, we must apologise, as we are still unable to resolve your query. We are however currently liaising with the original creditor, and we will contact you as soon as we receive a response from them.

15/02/2014 MKDP

Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

12/03/14 Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

10/04/14 Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

11/05/14 Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

02/06/14 Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

07/07/14 Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

2/10/2014 Barclaycard/Monument

cca as requested .The cca they have sent is exactly the same as the last one which niddy said is UE , i won't even bother sending niddy this as it is identical so i shall send a missing P&T template

30/10/2014 sent missing P&T


sorry this is in blue it won't typein red

6/11/2014 received from MKP
Whilst i am sorry you remain dissatisfied , we have nothing further to add.

You made reference to the prescribed terms under section 60, please note all relevant terms are enclosed supplied to you , therefore we do not believe that any issue of unenforceability arises .

We can confirm we have spoken to an employee of Barclaycard who has confirmed that in accordance with the information stored on their systems and in line with their procedures, a properly executed agreement was in place in accordance with section 91.(1) of the consumer credit act 1972.

There is no requirement to provide you with an original signed copy of the executed agreement. Our obligation is satisfied by providing you with a reconstructed copy which is legible. As you are aware we have provided you with a copy previously .

As no new information has been provided to us regarding this matter i must advise you that our complaints procedure has been exhausted and we are unable to enter in to any further correspondence regarding this matter.
should you remain unhappy with our response, you do have the right to refer your concerns to the financial ombudsman service. This must be done within six months of the final response daated 10th october 2014 where a leaflet was previously enclosed which explains how to do this .


19/11/2014 again i can't type it in red

KEYNES COLLECTIONS

NOTICE OF INTENDED LEGAL ACTION

As you have failed to respond to previous correspondence or agree a payment plan we have been instructed by MKDP LLP to collect the outstanding balance in accordance with your agreement .

You had an agreement with Barclaycard which was assigned to MKDP LLP . Under the agreement the balance was to be repaid but you defaulted , breaching the agreement which has now been terminated . The full amount is now due and you are required to pay the outstanding balance to MKDP LLP.

This letter constitutes a formal demand for payment of £2.323.18 and i make in accordance with the Practice Direction.

This letter requires your immediate attention, Unless full payment or a suitable payment plan is agreed within 14 days from the date of this letter (10/11/2014) , legal action to recover the debt may be taken against you without further warning and your liability for costs may increase .

Please reply in writing quoting your full name and reference or alternatively you wish to cal us to discuss you account

12/12/2014 MKDP activity suspended whilst they investigate , as soo0n as they find anything out they will let me know

3/1/2015 MKDP

I write further to your recent correspondence and to our letter of acknowledgement in regards to the outstanding balance on your acount. Please accept this as our Final Response to your concerns.

I understand you are looking for further documents relating to the above mentioned account , i note you have referred to PD-PAC in your letter of the dated the 20th November 2014. At this point no legal action has been taken and we are currently trying to supply you with the relevant information so we can work together to come to a suitable arrangement.

i have enclosed

statements of account

reconstructed credit agreement

default notice

copy of the notice of assignment

I can confirm that a Barclaycard have not issued a termination notice for this account, and we not have to supply communications between ourselves and Barclaycard .

As verified in the enclosed documentation , you are liable for the outstanding balance stated above and we will resume our attempts to contact you to discuss a suitable repayment.

Due to the information above i regret to inform you that we will not be able to uphold your complaint.

We therefore request you contact us on 00000000000000000 to discuss your account. our opening times are *************

Should you remain unhappy with our response, you do have the right to refer your concern to the FOS . This must be done within six months of the date of this letter and i have enclosed a leaflet which explains how to do this .

2/1/2015 MKDP still liaising with original creditor .

20/08/2015 MKDP
statement in relation to the below Agreement which is governed by the consumer credit act 1974.

This notice is given in compliance with the provisions of the cca 1974

(gives the opening balance , total payments received , closing balance , period covered.

12/10/2015 Robinson Way

Your account details have been passed to us by our client to act as a collection agent and we will now be dealing with this account on their behalf .

12/11/2015 Robinson way - offer of reduced balance over three months to pay .

3/12/2015 Robinson way -The above overdue amount remains unpaid despite previous letters and calls. Your account is now due to be transferred to Howard Cohen & Co solicitors in the next 10 days , who will consider court action . If court action is taken, our clients solicitors will ask the court for an order adding legal costs and interest to the amount you owe. If the court grants their request , then the amount you owe will be increased.

If you would rather agree an affordable repyayment plan directly with us to prevent this account being passed to HOward &Co , or if you believe you have a valid dispute relating to this account, please contact us without delay.


13/01/2016 howard cohen

notice of pending legal action

we have been requested by our client's agent, robinson way ltd, to write to you regarding the above outstanding debt.

Unless acceptable proposals for paying the amount you owe are received within 10 days of the date of this letter, we are instructed to issue proceedings in the county court with a view to obtaining a county court judgement against you. If we issue proceedings we sall ask the court for an order adding legal costs and interest to the amount you ow. If the court grants our request. then the amount you owe will be increased .
Certain procedural rules govern claims in the county court . A failure to follow those rules may result in the court imposing sanctions for non-compliance. Details of the rules relating to litiigation can be found at jusitc.gov

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)mine

Date commenced (2005) i put 2005 but they may be before this also

Approx balance.( £940.66

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( i believe a default was received but don't have it as was burgled in 2010 and some of our personal papers were scattered in the snow and could not be recovered )

Account owner ( Barclaycard)


9/7/2012 sent cca request

4/8/2012 Barclaycard looking for original agreement
12/02/2013 from barclaycard

cca recon sent to niddy
sending missing pt's today

13/02/13 sent missing pt's
22/02/2012 from Barclaycard
About your complaint

Thank you for contacting us on 13th Feb 2013 regarding your Barclaycard


I am sorry that you have had reason to complain.
I understand you are not satisfied that we have complied with our obligations
under the section 78 of CCA. We believe your credit agreement is to be fully compliant with the Act and any allegations that it is not will be opposed.
I realise this is not the answer you wanted, so I have given the details below so you can see the reasons behind our decision.
I am aware that we made errors in our previous response which i have amended accordingly. Feedback has been given to the member of staff who made the error.


I would like to assure you that the provision of a high level of service is of paramount importance to us and apologise for the oversight in the information provided with our previous letter.I would like to acknowledge your request for a copy of your original agreement and I am able to confirm that this has been to the relevant department who will contact you directly regarding this .


______
It goes on to explain about the case of carey v hsbc
then about the statement of the terms of the agreement as varied
regulation 7 of CNC regulations provides that, where an agreement has been varied in accprdance with section 82(1) of the Act (as is the case with your credit agreement )

___________
amother 2 pages of statement of account
compliance with section 61 of the Act
office of fair trading
timescales
your opininons
Please take this letter as our final response to your complaint. If anything is unclear of if you are unhappy with the way we have handled your complaint,
please write to the above address. I will do all I can to answer your questions and reach an agreement with you.

28/6/2017 Barclaycard

We'll soon be transferring your account over to Hoist Portfolio Limited , who have chosen Robinson Way Limited to act on their behalf .

Robinson way will be in touch once the transfer is complete .
17/08/2017 Hoist Portfolio Limited
Notice of Assignment
We are writing to notify you that Barclays Bank PLC trading as Barclaycard has assigned all of its respective rights, title and interest in respect of the above referenced account (including the outstanding balance )to Hoist Portfolio effective 19 July 2017.

The total balance sold was £940.66 as at 6 June 2017. Any payments made towards your account after this date will have been forwarded to HPH Lrd and your current balance is £940.66.

Under the terms of this assignment , and as defined in the data protection act 1998, HPH is now the data controller of your personal data contained in the records of this account and will use your personal details solely for this the purpose of managing your account and collecting the outstanding balance.

Robinson way limited has been appointed by HPH to manage your account and it is essential that all future payment and correspondence regarding this account be directed to Robinson way limited .
17/08/2017 Robinson way
Please contact us as soon as possible to agree your payment plan
e Pleas nt that if you don't get in touch we will advise you of further collection activity that may be taken against your account, which could typically include

referring your account ot our client's solicitors and and asking them to issue a county court claim which could result in a country court judgement being entered .
we would prefer to help you and these are last resort actions so please contact us as soon as possible to agree your plan today .
1/9/2017 Robinson way

We recently wrote to advise you that we are collecting your outstanding balance and we want to help you pay off your debt . To do this we need to understand your circumstances.

All you need to do is register on our website and choose 'set up my payments plan' Then we can work out how much can afford to pay and set up your installment arrangement with us
Or you can phone us
Or you can offer a reduced settlement amount which if agreed ca be paid over a number of months.

22/03/2018 Robinson Way

We need you take action - agree a repayment plan today

It's important that you get in touch with us to tell us about your situation . We can then agree an affordable repayment plan with you.

Taking steps to manage your account is important. If you choose to do nothing , we will advise you of further collections activity that may be taken against you. This could include :

*Referring your account to our client's solicitors and asking them to issue a CCJ which could result in a CCJ being entered .

We'd rather agree an affordable repayment plan with so please contact us today .

12/05/2018 Robinson way

Pay 60% of your outstanding balance .
26/9/2018 Host finance uk holdings 1 limited

Notice of Assignment.

They want me to contact them to arrange payment. This with all our other debts are SB,

19/11/2018 Robinson way
Threat letter to contact them or they will consider collection letters telephone calls,

All our debts are statute barred so why are these pillocks trying to pursue this debt with their threats ?


DO i just ignore this ? thanks
14 August 2019 from Robinson Way.
We've been trying to contact you .
offering help and advice .

I ignore again as this Statute Barred .

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2005) i put 2005 but they may be before this also

Approx balance.( £1,284.70

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( cca being sent )

Account owner (1st credit ) original creditor LloydsTSB.
9/7/12 cca request
received today 06/10/2012

21/9/12 account sold to cabot


heard nothing since from both Cabot or 1st credit

29/6/13 from Cabot
Recall of your account from 1st credit

we would like to inform you that the Cabot Credit Management Group have now recalled your from 1st credit

All payments should now be made directly to cabot with immediate effect.

Choice of payment methods

direct debit
credit of debit card
standing order
online banking
cash or cheque at a post office or payzone using cabot payment card.

contacting cabot

The most important thing for you to do now is to contact us. Call 0800

6/9/13 from Cabot a replica of the above but this added

If you don't contact us to agree a suitable repayment plan we'll have to move your account to the next stage of our collections process.

16/01/2014 Cabot

We've tried to contact you on several occasions and its now important you contact Cabot to discuss your account.

If we don't hear from you

we will continue to contact you and at the same stage review your account for our next stage of collections activity .

24/01/2014 cabot

OUR OFFER TO YOU

We understand that it can be difficult to clear your account in a short period of time.
Especially when there are other priorities to take into account.

We believe we understand debt and we wanted to share our thoughts with you.

We will work with you to understand your financial situation . If we can find an opportunity for you to repay this account in the short term then we will help you make that happen. Of course , we ensure that all your priority expenditure is up to date and anything you can arrange with us is affordable and fair.

We own your account and are prepared to reduce the balance in order to help you be debt free quicker.
Payments with us do not have to be paid all at once and we can look for solutions over several months and still help you.we can also extend plans over several years and still help you.

CONTACTING CABOT
We help thousands of customers clear their accounts and we would like to help you too, just call one of customer consultants on 0000000 and we can create a personal plan for you.

This account may affect your credit rating and ability to get credit in the future , ask our team if your account is registered.

14/03/2014 Cabot
You must contact us

10/05/2014 cabot . passing account onto financial investigations (europe) limited

10/05/2014 Cabot passed account to Marlin Financial Services

10/05/2014 Marlin

Cabot have now instructed us in the recovery of your account and you need to call us to discuss your circumstances and agree how your account will be paid . You will be able to make payment by installments of amounts that you can reasonable afford. Please contact us in order to discuss repayment of this account.

Alternatively you can make contact with us by e-mail quoting the above reference
19/06/2014 marlin
The above creditor has confirmed that there is no reasonable repayment plan and the above debt remains outstanding . We are now in the process of advising our client to take litigation action against you to recover this debt.

Currently is is our intention to instruct a solicitor to issue proceedings against you to seek a county court judgement . you would be able to submit a defence to any claim made which the court would consider, but if a ccj were subsequently awarded by the court it would typically be registered agaisnt your credit file for 6 years and would specify how much you must pay the judgement debt.

goes on about attachment of earnings order
charging order
an alternate enforcement method apporiate to your circumstances .

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 course of action . \
The letter is dated 14th June 2014 , so 2 days to get something sent off to them .

19/07/2014- cabot

Your request for information under the consumer credit act

Unfortunatley cabot has not been able to provide you with the information withing the relevant time period.

We shall continue to request the information from the original lender to assist you with your request .In the meantime , we would like to inform you that your account shall remain on hold with the customer care dept until such time we can comply with your request.

Your credit agreement is currently UNENFORCEABLE , which means we are not permitted to obtain a judgement against you in court. However, you are still obliged to repay the outstanding balance as confirmed in this letter and therefore we would recommend you contact us asap to set up a repayment arrangement or continue with your existing plan.

[Spent2much]

Re: spent2much UE diary

Type of account (loan in joint names)

Date commenced (2004)

Approx balance.( £1,957

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( cca being sent, but sent them a sar request in 2008 and they never complied but we believe they took the £10 paid which was meant for the sar off the balance instead )

Account owner (citifinancial ) now with 1st credit



9/7/12 cca request sent
24/9/12 threat to pre court action from 1st credit
1/10/12 offer 20% off from 1st credit
3/10/12 niddy says resend cca request
6/10/12 threat of court action from 1st credit
10/1012 cca reminder sent to 1st credit
11/10/12 offer to match payment from 1st credit
19/10/12 recieved cca from 1st credit , sent to niddy to check
niddy says UE as they have included an arrangement fee in with the original loan.
20/10/12 from 1st credit annual statement

22/10/12 sent missing PT's letter to 1st credit
27/10/12 from DHS collections special collections unit for 1st credit asking for payment
29/10/12 sent missing PT's
6/11/12 from 1st credit please contact us to arrange payment

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2004) maybe before

Approx balance.( £1,461

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( niddy has seen the cca they sent and believes it to be UE. )

Account owner (Lloydstst) now with 1st credit

9/7/12 cca request to 1st credit
24/9/12 from 1st credit threat of court action
24/10/12 from 1st credit 70% offer
10/10/12 resent cca reminder
11/10/12 from 1st credit offer to match payment
19/10/12 from 1st credit adknowledgment letter of cca request
contacting citi for it .
19/10/12 annual statement.

09/07/2014 1st credit

County Court proceedings Considered
''We accept Affordable Arrangement Offers''

We invite you to contact us to agree repayment terms. Our agents will assess the affordability of your repayment offer over the phone.

It is important to us that your offer of repayment is reasonable and one that you can afford and can comfortably maintian.

our policy is that we can work together to support your commitment to repaying this debt.

Give us a call and one of our agents will run through an affordability assessment with you and agree suitable repayment terms.



14/007/2014 sent threat o gram to 1st credit
17/07/2014 1st credit- threat o gram again
18/07/2014-1st credit
we are writing to acknowledge your complaint.

we are sorry that you feel you have cause for complaint and you for making us aware of this issue. we can assure you that your complaint will be investigated thoroughly and we will make every effort to ensure theis matter is dealt with promptly .

we are required to send you a final response within 8 weeks in practice we usually reply in 4.

10/09/2014 1st credit

Further to your letter of 10th July 2014 , I am disappointed to read that you felt you had cause to complain. A copy of our complaints procedure has been sent under separate cover.

I understand your complaint is the way in which your account has been handled since you submitted a request under section 78 of the Consumer Credit Act 1974.

I have investigated the matter and find that we received your request for a copy of the agreement on 10th July 2012, and we requested a copy of your agreement from CitiFinancial. prior to this you had been making payments of £1.55 per month through Payplan, however these payments ceased when you submitted your request . This caused the arrangement you had in place to break, and so we wrote to you on 20th September 2012 to discuss repayment.

We received your second letter on 15th october 2012. On the receipt of this letter we requested an update from citifinancial, and they wrote to us on 3rd July 2014 advising that the original credit card agreement you had signed was unobtainable . The historic nature of such agreements means that there can be a delay in the original creditor responding to our request, and i offer my apologies for the length of time this has taken.

We tried telephoning you to advise of the outcome of your request but there was no reply to our call.
Regrettably your account was actioned incorrectly and so the collection activity resumed again. This triggered the letters we sent on 7th July 2014, this letter crossed in the post with your complaint of 10th July 2014. I consider this matter could have been dealt with more effectively and i offer my apologies in this regard. your complaint has been referred to senior management and suitable action as deemed appropriate action will be taken. Thank you for bringing this matter to our attention.

in view of my findings, I consider your complaint justified and hope that my explanation has been helpful in setting out clearly why i have taken this view.

As citifinaicnial have been unable to provide a copy of your agreement, the debt has become uneforceable ..
It is nevertheless still due, however we have taken the decision to close our file . Please note that we may reopen our file if a copy of your agreement becomes available .

[Spent2much]

Re: spent2much UE diary

Type of account (catalogue very.co.uk)mine

Date commenced (2004) maybe before

Approx balance.( £1,217

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status (cca being sent )

Account owner (very.co.uk) now with cabot financial


9/7/12 cca request sent
12/7/12 from Cabot do not have this inormation on file requesting from original lender.
20/9/12 from Cabot still looking for agreement and until they do this account is UE


19/04/13 Cabot

Your request for information under the consumer credit act.

Unfortunately Cabot has not been able to provide you with the requested information within the relevant time period.

What happens next?

We shall continue to request the information from the original lender to assist you with your request. In the meantime, we would like inform you that your account shall remain on hold with the customer assurance department until such time we can comply with your request.

Your account

Please not , you are still obliged to repay the outstanding balance as confirmed in this letter and therefore we would recommend you contact us as soon as possible to set a repayment arrangement or continue with your existing plan.

Cabot we have passed your account to Ruthbridge ltd,
letter included from Rithbridge .
asking for a plan to reply 6 June 2019

This account is statute barred , what do i do with it just ignore it ?

thanks

[Spent2much]

Re: spent2much UE diary

Type of account (solutions finance card)

Date commenced (2003)

Approx balance (£2,111

Date last paid (22 June 2012)

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

Status (default/in arrears )

Account owner (Capquest)


9/7/12 cca request sent
18/7/12 from capquest , account on hold for 28 days , if i have any information that might speed things up to let them know.
24/7/12 letter saying until they have the cca the account is UE
7/9/12 payment reminder
8/9/12 account on hold while they look for the cca again
11/12/12 Capquest letting me know they are personally discussing the case with Solutions finance.

10/10/2013 cap quest
following our previous correspondence, we are still endeavouring to obtain the required information from solutions finance regarding your query

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2003)

Approx balance (£467

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 (Capitol one)


9/7/12 cca request sent
1/9/12 account passed to Fredrickson
21/9/12 Fredrickson demanding payment
24/9/12 sent account sold while in dispute letter to Fredrickson and also to Cap One
6/10/12 from Fredrickson account on hold while they refer back to Cap One
10/10/12 Fredrickson ,.their client has complied with the cca request 16th July 2012
(we have not received a thing)
12/10/12 threat of court action
15/10/12 sent letter before action.
22/10/12 Fredrickson threat before action postcard
24/10/12 Fredrickson ,they have referred the account back to Cap One ,no longer instructed to deal with it.



11/01/13
from cap one letter scanned

24/01/13 sent a one liner asking Cap One to re-send the two letters they said they sent in July and Oct 2012
08/02/13 from Cap One
Thank you for your recent letter.
I would like to be able to help you with your query, but unfortunatley you did not sign letter.
To enable me to answer your query, please write to us at the address belwo including an example of your signature and your 16 digit account number as a reference:
Alternatively, you can call one of our specialist account managers who will go throught a security check with you and answer your query immediatley.
I'm sorry for the inconveience this may cause you. I realise how frustrating it is to have to to the trouble of contacting us again. However, we need to do this to protect the security of your account and personal detals.

02/03/2013 from Bryan Carter solicitors LLP

We write with regard to theis outstanding debt.
Payment must be made in full withing the next fourteen days failing which we will remommend to our client that proceedings be issued without further notice.
Sould proceedings be issued, additional charges will be added to the existing balance as shown below.
Outstanding balance £467.90
Interest £37.90
Court fees £30.00
Solicitors costs £50.00
New £585.33 if proceedings are issued.
If you dispute liability for this debt please state your reasons in writing
and supply us with documents in support of your defence to any claim.
Before the account is referred to us to litigate you still have an
opportunity to contact fredrickson Internationl Ltd with your payment
proposals. In order to avoid further action you should telephone them .

This is a serious matter and you should seek independent legal advice.

4/3/13 sent sold while in dispute to Bryan Carter

08/03/2013 from Bryan Carter solicitors

We write further to your letter dated 4 March 2013, the contents of which we note.

We believe that our client has complied with the Pre-Action Protocol so far as it applies to this matter.

For the avoidance of doubt however the monies due may be paid to our client's debt collection agents, Fredrickson International Limited, by direct debt, bank standing order, cash, cheque, debit card, payment card or postal order. Please see Fredrickson International Limited's notepaper for details of their address ad telephone number.

You may contact us between .....bla bla bla

We confirm that a list of organisations where independent advice could be obtained was provided on the overleaf of Fredricksons notepaper.

In relation to your request for documents, it is our client's policy to provided agreements to its customers at the point of contract and statements throughout and therefore you have already been provided with validation of the debt.

Our client confirms that they have fulfilled their obligations under section 78 of the consumer credit act 1974 in their letter to you dated 16 July 2012 and the debt remains enforceable .

At this time we have no instructions to litigate this account, however if Fredrickson International Limited does not hear from you with your payment proposals by 21 March 2013 we will seek further instructions from our client.
28/03/13 from Fredrickson International
Despite a recent letter from Bryan carter Solicitors you have failed to
discharge your debt with our client Capital One (europe)plc. We are
We are prepared to offer you one final opportunity to pay before recommending to our client that they instruct solicitors to issue a claim at your address.
At this late stage, and as a gesture of goodwill, we are prepared to accept a full and final settlement on this account provided that you contact us within 48 hours of reciept of this letter.

3/7/13 Cap One

PLEASE BE AWARE your account has moved

I am writing to advise you that your account is no longer being managed by the Debt Collection Agency who were acting on behalf of Capital One.

Please work with us to reduce your debt

It is important that you continue to make payments to your account. Payments should be made directly to Capital One unless otherwisde notified. Please see attached for payment methods.

Already settled ?

Please disregard this letter if you have agreed a settlement figure with the Debt collection agency and have made tht payment.

Have questions or need help?

If you have any questions please call us .


2/8/13 Capital One

I am writing to inform you that capital one have sold your account to Lowell Portfolio l Ltd, All contact about your account should now be with Lowell Portfolio l Ltd who will write you to provide details of how they can be contacted and how payments can be made.

Lowell will start reporting against your credit file within 30 days of you receiving this letter.

The outstanding balance on your account as at 18/07/2013 was £467.90 and this balance will be passed along with any payments or spend to Lowell .

02/08/2013 Lowell Prtfolio l Ltd

introduction of who they are and explaining when the account was bought by them and how they are entitled to receive payment of the outstanding balance.

How much owed how to contact them to arrange a monthly repayment plan

Please call to discuss how to repay the account

.

17/08/2013 Lowell financial

Lowell Protfolio wrote recently to tell you they have bought the outstanding balance you had with cap one ,You have not yet cleared the outstanding balance or entered into a repayment plan, so they have asked us to get in touch.

We can help you clear this outstanding balance and repaying your debt may help to improve your credit rating.

What you need to do now
Its very important that you do one of the following things asap

pay in full
contact us

Phone us now to clear you balance

20/08/2013 sent sold while in dispute letter to Lowell financial

[COLOR=#ff0000]02/09/2013 Lowell Financial

We want to help you clear your account
We still haven't agreed a repayment plan for the outstanding balance you have with us.

The longer you leave getting in touch or paying off the balance, the more you risk further action being taken against you including legal action. We may also ask one of our agents to arrange a time to visit you at your home do discuss your account and repayment of your debt if we don't hear from you. So please phone us on 00000000 as as.

The simplest way to pay
direct debt
blah blah blah

Call us straight away
It really is important that we har from you. Your outstanding balance may be affecting your ability to obtain all forms of credit inlcuding loans blaha blah

3/9/13 Lowell Porfolio l
We thank you for your recent letter and apologise for the delay in replying.

Your comments with regards to the fact that the account is in dispute with Cap One as they failed to acknowledge your CCA request.. We have queried this with Cap One and will advise you of their response upon receipt.

In the meantime we have requested a copy of the CCA in accordance with S77-79 together with statements.

13/09/13 Lowell- news on your credit agreement request
We have been in touch with Cap One about the copy of your credit agreement.

They have let us know they are trying to retrieve the agreement from their archive .As soon as we have it, we will send it to you.

What will happen next

In the event we cannot obtain a copy of the agreement we will write to you again and inform of this . Once you have seen your credit agreement , we will ask you to pay your outstanding balance in full
23/10/23013-Lowell - Cap One cannot locate the agreement due the age of the account so Lowell's are closing the account .will not make contact unless agreement is received .

16/12/13 Lowell cca enclosed , looking forward to proposal for repayment within 14 days

i have sent the agreement to niddy to look at .

ps i still am unable to change from red to blue to update my diary i have tried the advanced and it still wont work lol


24/12/13 sent cca to niddy he says it is UE for now as T&C do not match the cca so to send Lowell a missing p&t letter.

28/12/13 Lowell , We regret that despite previous correspondence regarding your account, we have not received payment or a valid reason for non-payment.

Failure to respond to this notice may result in further action to recover the monies owed by you.

We urge you to call us .





03/01/2014 sent missing t&c to Lowell

03/01/2014 from Lowell ,
We have not heard from you
We refer to previous correspondence, We have provided the information you requested and asked you to contact us to discuss the account. We will work with you to agree an affordable repayment arrangement so that this matter can be resolved.

What happens next ?

If your do not contact us within 7 days of the date of this letter to arrange repayment of your account or to discuss the matter , then your account will be passed to our collections department. Your account may , then be assessed to decide he best course of action to recover the debt or, alternatively , one of our approved debt collection agencies will be instructed to contact you to arrange recovery of the outstanding balance.

As I have just sent a missing t&c letter I am ignoring this and will wait for their respon
9/01/2014 from red Lowell debt collection services.

You must pay £467.90

we specialise in assessing accounts for litigation and will e obtaining a copy of your credit file in order to review your financial circumstances and the information within it will help us deterime the best way to recover what you owe.

You can avoid this by us or visiting our website at lowell to either pay in full or to arrange a suitable payent plan.

If you do not repay what you owe you could risk legal action being taken. We may decide to apply to the court for a judgement against you (this is knows as a CCJ). If we are successful in obtaining a CCJ and you still do not repay, depending on the amount you owe and your circumstances , we could then apply to secure the debt against your property that you own, or to deduct amounts directly from your earnings . We may ask a court for a bailiff to remove goods from your house to the value of the debt.

Alternatively - if your balance , or combined balances owing to Lowell exceeds £750 , - serve a statutory demand upon you and , if you do not then satisfy the demand, petition for your bankruptcy. If you were to be made bankrupt you could lose rights to benefits in relation to any property you own.

We would obviously , prefer to avoid such action and settle this matter without the need for legal action, please call us and if your unable to pay the full balance we can arrange a payment plan that is affordable for you .

[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

19/5/2016 Cabot

Your balance is waiting to be paid.
Thank you for paying in the past , we appreciate that you tried to repay your account. You still have £4782 on your account that needs to be paid. We would like to help you set up a repayment plan will see you being free of this balance .

how to pay yadda yadda yadda

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)mine

Date commenced (2003)

Approx balance (£248)

Date last paid (22 June 2012)

Are you on an arrangement plan 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 passed to BLS 3/8/12
14/11/12 payment reminder
28/11/12 sent cca reminder to bls
13/12/12 BLS saying statements enclosed as requested
14/12/12 BLS essential that i contact them
24/12/12 Halifax account passed to DrysdenFairfax
31/12/12 from DrysdenFairfax threatening letter to pay , court action , charge on house,
31/12/12 account sold while in dispute letter to drysdenfairfax
letter not received by drysdenfairfax according to post office website.
19/1/13 resent sold in dispute letter , sent by recorded delivery .
24/1/13 threatening letter from drysdenfairfax
16/2/13 from drysdenfairfax offer of settlement
29/04/13 Halifax
Account transferred to Westcot Credit Services Litd

29/04/13 account sold while in dispute letter 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 .
TO AVOID WESTCOT TAKING FURTHER ACTION, YOU MUST:
PAY THE DEBT IN FULL TO WESTCOT OR 2. CONTACT US ON BLAH BLAH BLAH
15/05/2013 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 £248.46 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.


18/05/2013 sent OD SWID to westcot

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

5/8/13 westcot

As a final attempt to avoid further action, our client has agreed that we can offer you a discount to settle your account.

This offer is only available for a limited period so you should contact us by the 11/08/2013 to agree a suitable settelememt , or the offer will be withdrawn and further action will continue to recever the full outstanding balance of £248.46.

If you are unable to take advantage of this offer, we will still consider a realistic repayment plan and you should contact us urgently to discuss your options. Unless a suitable arrangement plan is reached within 10 days of the date of this letter, (01/08/2013), further recovery action will be taken.


21/08/2013 from westcot
we understand that there may be many reasons why you have not responded to us in relation to this account.
You may feel that you are not in a position to stat making an acceptable payment against your balance or that you don't know how best to manage your way through you current liabilities.

Westcot are specialists in establishing repayment plans that best suit the needs of both our clients and their customers. For the overwhelming majority of customers that contact us we are able to make an arrangement tailored to each customer's financial circumstances.
We would therefore like to offer you the opportunity to repay this account via regular manageable instalments which will be both sustainable and affordable given your current circumstances.

what this means for you.....

an opportunity to take control with re-payments that you agree and that you can afford over a period of time.
no further phone calls, letters, text messages or home visits from Westcot or their appointed agents, providing you keep to the plan for this account.
The potential to improve you credit rating and increase your chances of obtaining future credit.

This debt will not go away and now is the best time to act. To take up the offer you need to contact us at the number above where one of our dedicated operators will help you make a fresh start.

30/08/2013 Westcot

We have previously advised you that one of the actions we were considering on your account was a doorstep collection visit
to your home address to recover the outstanding balance.
As we know of no genuine reason why you have failed to repay the outstanding balance, instructions will now be provided to Scotcall, a doorstep agency, to make an appointment with you to visit your home address. The purpose of the visit is to agree with you how you will repay this debt.

You have a final opportunity to avoid referral to Scotcall by telephoning the number above .

02/09/2013 sent doorstep visit complaint letter to Westcot


4/11/2013 Halifax- account passed to Robinson Way

22/11/2013 robinson way , account is due to be passed to our solicitors drysdenfairfax in the next 10 days.

14/12/13 drysdenfairfax

instructed by robinson way to collect the amount outstanding within 14 days .

10/01/2014 robinson way
NOTICE OF HOME VISIT
we may arrange for a doorstep collector to call at your address to agree an affordable payment plan with you , dependant on your personal circumstances .

To avoid the matter being escalated to this next stage of the dc procgress please contact us 27/02/2014 Robinson way , Your account was recently passed to one of our doorstep collectors who may have visited you already or notified you of a potential visit .Please note your account will now be managed by this office and all future correspondence need to be directed to us at the address noted above.

11/12/14 assigned to 1st credit

24/12/2014 1st credit . Offer of their help to 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 £248.48 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 .

11/6/2015 1st credit discounted settlement offer

10/09/2015 - 1st credit discount settlement offer

15/03/2016 1st credit annual statement

1st credit 22/7/16

save up to 70%
pay in August £74.54

Pay in September £173.93

7/2/2018 1st credit
pay this month and we will write off 65% of your balance

[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

10/09/2015 - 1st credit discount settlement offer

7/2/2018 1st credit

pay this month and we will write off 65% of your balance

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)joint

Date commenced (2003)

Approx balance (£935)

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 passed to BLS 3/8/12

26/10/12 repayment plan arrears



14/11/12 payment reminder BLS


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 from BLS it is essential that you contact us today


24/12/12 from Halifax
Account passed to drysdenfairax solicitors



31/12/12 drysdensfairfax solicitors ( both of us received a letter from these as it is a joint account )
threatening charging orders and court action .

31/12/12 sent sold while in dispute letter,
not showing as received on royal mail website.

17/01/13 from Drysdenfairfax
17/01/13 from drysdenfairfax
failure to pay , avoid further action you must pay the debt.




20/1/13
sent sold while in dispute letter


26/01/13 from drysdenfairfax solicitors


I acknowledge receipt of your letter dated 19 January 2013, together with the enclosures, and i note all your comments.

I have reviewed your file and , unfortunately, i can find no record of us receiving your earleir letter of 31 December 2012. We were, therefore, unaware that this was in dispute. As a firm of solicitors, please be assured that we are well aware of our responsibilities with regard to the Office of Fair trading Debt Collection Guidance.

As a result of your letter, we have contacted our client to clarify the current position and seek their further instructions. We will write to you , further, once they have responded. I confirm that, in the meantime, the matter is on hold.

I trust this resolves any immediate concers, but if you do have any further queries, please let me know.





06/04/13 from Halifax
account passed to Capquest

10/04/13 from capquest

This correspondence is to inform you that your Halifax current account has been referred to capquest to manage your account in all matters relating to collection , which may include
- Personal cisits by our doorstep collection agency
- Possible Litigation

It is our aim to ensure that a suitable payment plan is agreed and maintained . Our experienced team of negotators are here to assit you in finding a plan that will your indebtedness, without the need for further action.

If you are not in a position to settle this account in full, you will need to contact us to discuss a suitable solution to this matter. Contact must be made by 15 Apr 13, by calling us on 0844********

No contact will mean further action.

How to pay: Please see reverse of this letter.

sold while in dispute letter ?
12/04/2013 sent sold while in dispute letter

24/04/13 capquest
NOTICE OF DOORSTEP AGENT VISIT.
Please be advised that we are now in the process of making arrangements for our doorspet recovery agents ScotCall Limited, to visit you due to your failure to make a repayment arrangement.

If a response is not received by 30 Apr 13, we may choose to dispatch an agent and they will call at the address above between the hours of
8.00am-8.30pm Mon-Fri
9.00am-4.30pm Saturday
The doostep agent is instructed to collect the full amount due or to compile a report as to your financial position to assist in any possible further action. All agents carry identifification and receipts for payment will be issued on request.
To avoid a visit from this specialised doorstep collection agency, you must contact us by 30Apr 13.
If you contact us before this date, we can offer you a settlement figure on your outstanding balance.
Alternatively , we will be open to suggestions from you on how your account can be settled by way of instalments suitable to your present financial circumstances.We will not be demanding payment in full and will work with you to come to a final solution to this problem without the need for employing services of doorstep recovery agents.
Should an agreement be reached to settle your outstanding account with a reduced payment and once the payment has been received and cleared, your account will be closed and your credit file updated showing that the balance has been satisfied with a special flag of parital settlement.
You will find how you can pay and other relevant details that may assit you on the reverse of this letter.
we trust that you will take this opportunity to contact us and get this matter settled without the need for visits by the doorstep collectors.



03/05/13 from capquest
We thank you for your correspondence and respond as follows

Please either provide details of any dispute in respect of the outstanding balance on this account , enclosing supporting documentation if available or contact us to arrange payment of this account.
14/05/13 capquest

Thank you for youre recent communication.

We regret that you have been disatisfied with our service and we will be conducting a thorough investigation into the issues you have raised . Once we have completed this, we will write to you again with the outcome of our investigations.

A copy of our internal Complaints Procedure is enclosed. Please take the time to read this as it explaines how we will deal with your complaint and the timescales within which we will do so.
24/05/2013 capquest
We write in response to your letter dated 12April13

Winthin your complaint you state the account has been in dispute with the original creditor due to your request for the agreement made under the CCA not being acknowleded.
We were instructed by Halifax on 29 March 2013 to contact you regarding an outstanding balance of £935.06. We were not made aware of any dispute or issue with your account and were acting in good faith based on the information supplied to us.

Based on your comments we contacted halifax who has confirmed the following .

*This debt relates to a current account , not covered by the CCA so the enclosed is not relevant, continue to pursue*

In light of the above you may wish to contact halifax directly as we are unable to comment on their response or any actions taken prior to our involvement.

The account shall remain on hold for 30 days to allow you time to contact halifax. Upon this time the account shall be returned to the relevant department and contact shall be reattempted.

We offer our apologies for any inconvenience caused and should you wish to discuss this matter further please contact us .

8/10/2013-Halifax
As we haven't been able to agree a suitable repayment plan we've transferred your Halifax Bank Account to a debt collection agency. Westcot Credit Services ltd. We've instructed Westcot to arrange collection of the outstanding amount.

Please contact Westcot as soon as possible to arrange to pay back the outstanding balance.
14/10/2013 from westcot

westcot credit services 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 WESTCTO TAKING FURTHER ACTION YOU MUST

PAY THE FULL BALANCE TO WESTCOT



15/10/2013 sent SWID to westcot.



31/10/2013 (sorry this is in blue i tried changing it to red but it won't have it )
from wescot

with reference to your recent comminication regarding the above account, we can confirm this account related to a halifax current account, therefore your account is not covered by the CCA 1974

In viw of the above we look forward to receiving payment in the 14 days




16/11/2013 westcot, (still won't allow me to change to red)

With reference to your recent communication regarding the above account, we can confirm this relate to a Halifax Current account, therefore not covered by CCA 1974

In view of this we look forward to receiving payment within the next 14 days.



11/7/2016 Cabot

we are part of cabot credit management which has recently bought the account you held with Halifax. We are now responsible for helping you manage your account and receiving future payments .

we wan the repayment process to be as easy as possible for you Our commitment to help you is that we will make sure that the repayment plan is affordable , and we do this by

working closely with you to fully understand your current situation.
creating tailored solutions to suit you based on what you can afford .

21/7/2016 Cabot
we really want to help you. your balance of ****is still outstanding.
we understand you may not be able to pay - if you think this is the case we can help .

30/08/2016 Cabot - We have previously explained that there are several options available and we want to help you find the most suitable solution.

We need to hear from you so that we can help you take positive steps towards agreeing an affordable repayment plan on this account and becoming free of this debt. If Yo're having difficulties in being able t pay then it is important you tell us.

Your account may be reported on your credit file and may affect your ability to obtain credit now and in the future. When you start making payments on your account you will begin to reduce the balance shown on your credit report .

3 simple steps .
Gather details of your income and expenditure call us on 1111111111

Work with us to agree an affordable repayment plan

If we do not hear from you will continue to contact you to help you resolve your outstanding balance.

21/10/2016 - Cabot We haven't heard from you
The balance is due and we have advised you of several options that available .
If we don't hear from you we will continue to contact you, so that can try and help you take steps towards being free of this debt .

18/02/2017 Cabot
You need to contact us about your balance with us, as it has been a while since we last heard from you .It is important that you speak t0 us about this account, even if you think you can't afford to repay it.

We are completely flexible around your budget . Simply fill out the enclosed budget form ad it will help you work out how much money you could spare per month on repaying your account . Return this to us, and we then can advise you on which option below might b be best for you .

options

pay in full
monthly repayments
discount


04/05/2017 Cabot
We have tried to contact you on several occasions so that we can , understand your financial situation and discuss a payment plan that is affordable and fair .

Because we have been unable to contact you, w are now going to instruct a company called Moorcroft to try to arrange a visit at your home , so they they can put you back in touch with us.

if you would prefer to speak to us directly then please call us withing the next 7 days.


LBG OWNED BY CABOT

Our cient has informed us that despite numerous attempts they have been unable to contact you to discuss your account. They have therefore passed your account o us to act as a collection agent.

This may involve our local representative calling at your home address. Please call us if there is a particular time or date when you would prefer our representative to call . Our representative's normal hours of operation are from 8.30am-3.30pm from Monday to Thursday . Friday's 8.am-6.30pm abd Saturday 8.30am-3.30pm . Appointments outside of these hours may be arranged upon request.

The purpose of this visit will be to assist you in establishing contact with our head office team by telephone. The visit does not involve any recovery of monies or possessions and is purely to help reconnect you to our head office team to establish your circumstances and discuss a route forward .

If however you would prefer to agree a repayment arrangement direct with our head office team to avoid a visit or you believe there is an outstanding query on the account , you must telephone us no later than 19/05/17.

If you genuinely can't afford to make any repayment , speaking with us may still help . We can guide you to free money advice services and our scheduled visit will still be cancelled .

moorcroft 16/08/2017
I am sorry that despite our attempts to contact you no satisfactory agreement has been reached regararding the balance of your account.
affordable repayment plan 25.97 per month would clear the balance and would stop further recovery action phone calls and letters .
Cabot 29/09/2017
We are the Cabot Management Group and we own your account . Another company has been managing this for us. It has now been returned to us and we will be receiving your future payments

we would like to help you set up a personal payment plan .

we can talk to you about our different solutions .

[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 .

2/6/2016 Cabot ,Tell us your budget , save £50 on your account when you update us with your current situation ad start repaying .

All you need to do is call us and fill in the budget form, we will make sure you can afford important thing like bills, food and your rent or mortgage then work out what spare money you have.

enclosed is a budget form .


3.03.2017cabot

we have tried to contact you to arrange payment of this account .

I&E to help me pay .
How can we help

Showing me plans that customers have such as this . Balance £1000 Expenses£800 Income £850 Remaining available £50.00

solution 1
Pay £41.67 per month = clear this account within 2 years

Solution 2

Pay £16.67 per month = clear this account within 5 years.

These solutions are for illustrative purposes only. Any solution we can offer you will be based on what you tell us about your financial situation and any goals you may have to repay your account.

15/6/2017 Cabot

Please contact us asap as your account could be sent to an external debt collection company.
21/8/2017 Cabot
Your balance is waiting to be paid
Thank you for paying in the past, we appreciate that tried to repay your account . You still have £2024.70 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 of this balance.
Where to go from here
Dont let debt hang over you. We can talk you through our different options and find a solution that suits you . We can.
set up a monthly repayment plan.
Accept a smaller lump sum payment and consider writing off the remaining balance .
call us to discuss your options .

7/09/2017 cabot

you need to make a new plan

call us to make a new plan

we have tried to contact you , we need to hear from you in the couple of weeks .

23/09/2017 cabot
sent me an income and expenditure form to fill in and to send it back to see how they can help me start paying .

16/10/2014 Cabot
Tell us your budget , save £50

Save £50 on your account with us when you update us with your current situation and start paying .

All you need to do is call us and fill out a budget form, we will make sure that you can afford important things like bills, good and rent or mortgage , then work out what spare money you have .