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  • #631
    Re: The SaltnVinegar UE Diary

    Originally posted by Spud View Post
    I am genuinely sorry to hear that S+V


    Yes its such a shame!

    Like many of my accounts this is now on the last 12 months lap (not that I've informed them of that), so not looking to prod or poke this now and hopefully will see it out.
    "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

    The consumer is that sleeping giant.!!


    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

    Comment

    • #632
      Re: The SaltnVinegar UE Diary

      Know what you mean x
      if you do it today and you like it you can always do it again tomorrow

      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment

      • #633
        Re: The SaltnVinegar UE Diary

        Originally posted by SaltnVinegar View Post


        Yes its such a shame!

        Like many of my accounts this is now on the last 12 months lap (not that I've informed them of that), so not looking to prod or poke this now and hopefully will see it out.
        Same here, Crap 1 & Lloyds will be gone this year, Barclaycard sorted by FOS, paid Northern Rock in full, (that hurt), only Barclays Bank left. Really was not coping with the worry and sleepless nights, until I came here.

        Thanks all!

        Comment

        • #634
          Re: The SaltnVinegar UE Diary

          Yup its a nervous time and frustrating as there was 18 months of DMP payments that I now regret making, which if I hadn't I now would be past the SB finishing line.

          Lowell are now my biggest 'creditor' with purchasing all the Shop Direct accounts, but with no CCA's and with the challenge of unlawful charges they seem to have gone quiet (not wanting to wish the evil eye on myself). As has been said the last 12 months can be very much like 'sniper alley' so keeping my head down and not wanting to make myself a target!

          Best
          SnV

          Originally posted by nanna58 View Post
          Know what you mean x
          Originally posted by Enforcer View Post
          Same here, Crap 1 & Lloyds will be gone this year, Barclaycard sorted by FOS, paid Northern Rock in full, (that hurt), only Barclays Bank left. Really was not coping with the worry and sleepless nights, until I came here.

          Thanks all!
          "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

          The consumer is that sleeping giant.!!


          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment

          • #635
            Re: The SaltnVinegar UE Diary

            Originally posted by SaltnVinegar View Post
            Yup its a nervous time and frustrating as there was 18 months of DMP payments that I now regret making, which if I hadn't I now would be past the SB finishing line.


            SnV
            Ditto. I paid into a DMP for 2 years, as I had thought at the time that it was my best option to keep my head above water. Then I happened upon AAD, and that was a game-changer. Now almost 4 years into UE, and a lot happier.

            Comment

            • #636
              Re: The SaltnVinegar UE Diary

              WOW this one is a bit of a blast from the past - where the hell do Cabot buy this shite from?!

              Got a NoA from Cabot today regards this old Cap One account that I am pretty sure is now Statute Barred. The default date that Cabot has registered with the CRA's is Dec 2010, but I have gone back through all my old bank statements from 2009 - Jan 2011, and there are no payments whatsoever.

              As the letter was just the standard intro letter I'm going to ignore for now, and I'm certainly not going to let them know its more than likely SB as don't want a speculative court claim issued!


              Originally posted by SaltnVinegar View Post
              Capital One:
              • Type of account - Credit Card

              • Date commenced - November 2002

              • Approx balance - Approx £1500

              • Date last full payment - Unknown

              • Are you on arrangement or not paying - Not paying

              • Status - No DN received. Default registered with CRA's Dec 2010

              • Account owner - Cabot





              28/5/2016 - Notice of assignment from Cabot Financial
              "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

              The consumer is that sleeping giant.!!


              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment

              • #637
                Re: The SaltnVinegar UE Diary

                Cabot have certainly been getting a lot more active this past month, they wrote to me last week about my Lloyds credit card account , first I had heard anything for a couple of years and I think it's more than coincidential that it's within weeks of becoming SB

                Comment

                • #638
                  Re: The SaltnVinegar UE Diary

                  got one of those for MrD's old Lloyds card which is nearly a year SB, haven't told them yet either, they should check this stuff out before they chase shouldn't they??????

                  Comment

                  • #639
                    Re: The SaltnVinegar UE Diary

                    Originally posted by alland View Post
                    Cabot have certainly been getting a lot more active this past month, they wrote to me last week about my Lloyds credit card account , first I had heard anything for a couple of years and I think it's more than coincidential that it's within weeks of becoming SB
                    Yes for sure its not coincidence! Perhaps they've just bought a DVD-ROM of 'speculative' accounts for the price of a packet of crisps and chancing their arm.

                    Originally posted by MrsD View Post
                    got one of those for MrD's old Lloyds card which is nearly a year SB, haven't told them yet either, they should check this stuff out before they chase shouldn't they??????
                    That would involve effort and more importantly common sense Mrs D
                    "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                    The consumer is that sleeping giant.!!


                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #640
                      Re: The SaltnVinegar UE Diary

                      Getting the jitters !!
                      if you do it today and you like it you can always do it again tomorrow

                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #641
                        Re: The SaltnVinegar UE Diary

                        They have certainly started buying up a load of very old ones. I do hope it bites them in the bum and they cannot sit down comfortably for a long time
                        When you have nothing you have nothing to lose

                        Comment

                        • #642
                          Re: The SaltnVinegar UE Diary

                          They know what they're doing. How many CCJ's just sail through uncontested or badly contested.... most, I'd imagine.

                          Comment

                          • #643
                            Re: The SaltnVinegar UE Diary

                            Monthly update:

                            No change to the Barclaycard and Robinson Way - still cannot find the agreement, account on hold

                            Cabot demanding repayment of an account that is now SB - I won't bother to inform them of this fact

                            1st Credit - Providing a list of transactions on an O/D account from 2010 - 2012, but still seem to be missing the point that they may require a credit agreement (which they obviously don't have)

                            Other than that all quiet this month!
                            "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                            The consumer is that sleeping giant.!!


                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #644
                              Re: The SaltnVinegar UE Diary

                              Originally posted by SaltnVinegar View Post
                              all quiet this month!
                              Just the way we like it

                              Everything crossed for you
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment

                              • #645
                                Re: The SaltnVinegar UE Diary

                                Originally posted by Spud View Post
                                Just the way we like it

                                Everything crossed for you
                                Thanks Spud - I'm quite happy for the current status to continue!

                                - - - Updated - - -

                                Originally posted by Spud View Post
                                Just the way we like it

                                Everything crossed for you
                                Thanks Spud - I'm quite happy for the current status to continue!
                                "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                                The consumer is that sleeping giant.!!


                                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                                Comment

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