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Re: The SaltnVinegar UE Diary
Shhhhhhh xxx
Shhhhhhh xxx
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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. -
"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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Re: The SaltnVinegar UE Diary
Looks like I have my monthly mailshot from Cabot - they want to understand my financial situation, it must be difficult blah blah.
Aren't they nice and caring?!
Originally posted by SaltnVinegar View PostCapital 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
6/6/2016 - Letter from Cabot - I owe them money blah blah
6/7/2016 - Letter from Cabot - We want to help you understand your finances, it must be difficult blah blah
"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
- Type of account - Credit Card
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Re: The SaltnVinegar UE Diary
See , told you to understand them yourself !!! xif 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
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Re: The SaltnVinegar UE Diary
This is an odd one. Today I get a letter from Santander, with a cheque (for a small amount of money - not going to be paying the rent or anything with it!), for a refund of 'interest that was calculated incorrectly when using my debit card'.
Now considering that I've not used this account in over 6 years (and stopped DMP payments over 4 years ago) I'm a little suspicious as to this letters intent. I'm considering the recent court case where someone with an O/D was found that the creditor had created an unfair relationship by expending the cycle of debt, and there is the class action suit against Mastercard that is potentially kicking off.
If I cash the cheque am I putting myself in any disadvantage (e.g. not then able to make a claim for something later, not able to claim unfair relationship etc)
Originally posted by SaltnVinegar View Post"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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Re: The SaltnVinegar UE Diary
InterestingI'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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Re: The SaltnVinegar UE Diary
No idea, but I would also be suspicious especially as you stopped payments in July and also received the cheque in July. Will be interesting to hear the views of others as being a worryguts I would expect it to be their way of trying to restart the SB clockWhen you have nothing you have nothing to loseComment
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Re: The SaltnVinegar UE Diary
I've had ZERO correspondence in 4 years ever since I sent the O/D CCA request to Westcot, and heard nothing since until today.
Like you both I'm a little paranoid and my thought was that by cashing the cheque I either by proxy admit liability to the debt, or at the very least encourage them to restart the collections process.
Originally posted by The Tech Clerk View PostOriginally posted by Susie View Post"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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Re: The SaltnVinegar UE Diary
That's the problem , accepting it may point to acknowledgement , head scratching !!!!!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
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Re: The SaltnVinegar UE Diary
Right the cheque is valid for 6 months from its date!
In other words you can sit on that cheque!!
Do nothing for the moment!
That leaves them still outstanding on that s.78Comment
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Re: The SaltnVinegar UE Diary
Yes and my ultra paranoid self considers they may be able to trace the bank account it was cashed to and use that info in some underhand way (fortunately bank accounts are no connected so no right to offset)Originally posted by nanna58 View Post
s.78 doesn't work for o/d's as such, but admiting other breaches could be a problem for them. As I had over £2.5k of charges added to my o/d in 12 months I think I could successfully argue on the unfair relationship provisions.Originally posted by Roger View Post
My thought was that by accepting that cheque I may be accepting that as some sort of compensation which could disadvantage me during a court claim.
They've also sent this letter to my old address (received due to redirect), so I'm wondering if its also a possible tracing tactic.
Or maybe I'm just giving them too much credit (excuse the pun!)"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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Re: The SaltnVinegar UE Diary
Don't know if this makes a difference to your opinion or not - mum had a refund for the same, but as she still has an account, it went in as a direct credit.
I would personally cash it - you still haven't paid money into the account, but that's just me!
I cant see it causing issues with SB dates given its a compensatory payment.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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Re: The SaltnVinegar UE Diary
Agree with last post, my wife also had a credit to her account for errors in interest payments. Nothing sinister Santander cocked up and had to refund.Comment
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Re: The SaltnVinegar UE Diary
So Capquest appear to have woken up to the fact that this account is about to become SB(if it hasn't already). As they have only sent their 'introduction' template I'll ignore this one until the legal threats start, hopefully I can then play this out with CCA requests and keeping them busy until its definately SBOriginally posted by SaltnVinegar View Post"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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Re: The SaltnVinegar UE Diary
With only 24 months (I think if its from the last DMP payment date), they should be holdoffable, good luck
When you have nothing you have nothing to loseComment
Yes exactly Nanna!
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