Vaper's Diary

[vaper]

Co-op 2 Partners debt



Type of account - Credit Card
Date commenced - 01/10/07
Approx balance - £7000
Date last paid- 18/04/17
Are you on arrangement or not paying- Not paying
Status– Defaulted
Account owner- Link financial


07/06/17We need to speak to you but haven't been able to reach you, please call us
14/06/17 We need to speak to you, you've missed a repayment
19/06/17 credit limit reduced as payments have not been paid on time
28/06/17 Make a payment or we may need to speak to credit reference agencies
10/07/17 Notice of arrears please bring your account up to date
21/07/17We have cancelled your card
21/07/17 Default notice. we will terminate the agreement if no payment is made
23/07/17 Statement- account in arrears
21/08/17 Final demand
13/10/17 Letter from Link Financial give notice that your account has been assigned to us. Furthermore Link assigned your debt to Asset Link Capital (no5) Limited. As a result your debt is now owed to ALC5 but Link remains as the servicer.

UPDATE
15/11/17 Please call us to discuss options available.
08/12/17 We are validating your address.
14/12/18 Call us to agree a repayment plan.
24/01/18 We have validated your address.
12/04/18 Statement of account.
13/07/18 CCA request sent to Link.
23/07/18 We have validated your address.
01/08/18 Call us to agree a repayment plan.
30/08/18 Offer to repay over 4 years
12/10/18 Statement of account.
12/04/19 Statement of account.

[vaper]

• • Co-op 1 My Debt
• • Type of account -Credit card
  • Date commenced - 14/09/07
  • Approx balance - £6000
  • Date last paid- 18/04/17
  • Are you on arrangement or not paying- Not paying
  • Status- Defaulted
  • Account owner- Link Financial

14/06 17 We need to speak to you as you have missed a repayment
19/06/17 Review - we have reduced your credit limit as payments have not been made on time
28/06/17 Make a payment to bring your account up to date
17/07 17 Bring your account up to date or we will issue a default
24/07/17 We have cancelled your card
24/07/17 Default notice pay £xxxx within seven days
21/08/17 Final Demand, we might pass your account to a DCA
13/10/17 Letter from Link Financial give notice that your account has been assigned to us. furthermore Link assigned your debt to Asset Link Capital (no5) Limited As a result your debt is now owed to ALC5 but Link remains as the servicer.

13/10/17 Letter from co-op and Link informing that the debt has been assigned to Link Financial.
15/11/17 Letter asking for payment.
08/12/17 We are validating your address.
14/12/17 Letter asking me to contact them.
24/01 18 We have validated your address - contact us.
12/04/18 Statement of account.
13/07/18 CCA request sent to Link with postal order.
23/07/18 We have not written for a while as we had to validate your address - contact us
01/08/18 Letter informing me that credit rating could be damaged.
30/08/18 Offer from Link to pay the balance over 4 years.
12/10/18 Statement of account.
12/04/19 Statement of account.

[vaper]

BARCLAYCARD 2 Partners debt

• • Type of account -Credit card
  • Date commenced- 24/05/07
  • Approx balance - £8000
  • Date last paid- 31/03/17
  • Are you on arrangement or not paying- Not paying
  • Status- In arrears
  • Account owner- Barclaycard

06/06/17 Default sum notice late payment and over credit limit charge £12,00 each
07/06/17 You've told us you're in an arrangement with a DMP we will not contact you in the next 30 days
08/06/17 We're having trouble getting in touch, please update your contact details on your online account (even though they have disabled it).
06/06/17 Arrears notice
04/08/17 Default sum notice late payment and over credit limit charge £12.00 each
05/09/17 Thanks for getting in touch about your current situation (that was back in May) I&E form enclosed
06/09/17 arrears notice
06/10/17 Your account is overdue we need to speak to you urgently, if you don't pay we'll send a default notice
06/11/17 Late payment charge
06/11/17 Arrears notice
07/11/17 Default notice. You have broken the agreement pay £ xxx before 05 December. if you do not take action before the date shown then further action may be taken against you.

28/12/17 A default has been registered in your account - you now need to pay your balance in full. Your account has now been passed to our recoveries team.

03/07/18 A refund has been issued on your account due to our operating procedures, we did not always meet our expected standards with customers who have fallen behind with their payments - (or words to that effect). That's the last correspondence with them. No DCA letter of assignment, nothing.

UPDATED 21/11/18

02/10/18- Your account has been assigned and transferred to Hoist Finance UK Holdings Limited. Moorcroft will be acting on their behalf also in the letter was a notice of assignment form Hoist.

27 10/18 - Letter from Moorcroft informing that they will be collecting on behalf of hoist.

15/11/18- letter from Moorcroft asking me to make a payment proposal before 22/11/18.
15/12/18 Moorcroft asking me to phone to agree a repayment plan or a discount.

Numerous calls and texts received from Hoist, all ignored.

UPDATED 05/07/19
01/01/19 Moorcroft offering a discount in an attempt to come to an agreement.
05/02/19 Moorcroft, no agreement has been reached so we will continue in our attempts to contact you by letter or phone.

[vaper]

BARCLAYCARD 1 My debt

• • Type of account -Credit card
  • Date commenced - 01/2004
  • Approx balance - £16,000
  • Date last paid- April 2017
  • Are you on arrangement or not paying- Not paying
  • Status- In arrears
  • Account owner- Barclaycard

19/05/17 Default sum notice received - late payment charge and over credit limit charge £12 each
25/05/17 You're late with your payment, please pay £ xxx
07/06/17 You've told us you're in an arrangement with a DMP, we will not contact you over the next 30 days.
20/06/17 Arrears notice
20/06/17 Default sums notice
22/06/17 We're having trouble getting in touch, please update your contact details on your online account (even though they have disabled it).
20/07/16 Default sum notice- late payment charge and over credit limit charge £12 each
18/08/17 Default sum notice - late payment charge
18/08/17 Arrears notice £ xxxx
05/09/17 Thanks for getting in touch about your current situation (that was back in May) I&E form enclosed
06/10/17 Your account is overdue we need to speak to you urgently, if you don't pay we'll send a default notice
19/10/17 Arrears notice
19/10/17 Late payment charge
20/10/17 Default notice. You have broken the agreement pay £xxx before 17 November. if you do not take action before the date shown then further action may be taken against you

28/12/17 Account assigned and transferred to Hoist Portfolio holdings Limited, HPH has appointed Robinson Way to manage your account.

02/01/18 Notice of assignment from Hoist.

16/01/18 Robinson way requesting payment arrangement

30/01/18 Robinson way offering 30% discount.

13/02/18 Robinson way -we are considering your account for legal action.

27/02/18 CCA request sent to Robinson way.

28/02/18 We have requested a copy of your agreement and put your account on hold temporarily until we receive them.

14/04/18 We have not yet received a response, account still temporarily on hold.

29/05/18 Still awaiting a response from original lender.

25/09/18 Notice of assignment from Hoist Finance UK Holdings 1 Limited due to group restructure Robinson Way will continue to service the account

19/10/18 Refund relating to your account, we have asked Hoist to reduce your outstanding balance to them