Chris335 UE Diary

[chris335f]

Hi, thanks for your reply,

Yes, I have made sure that I kept copies of all my CCA request letters. Cabot Finacial failed to comply with the Mint card agreement and also Link Financial with the CCA requests for both Barclaycard's.

Both the Capital One and the Santander debts complied with the CCA requests making the debts enforceable. I have not heard from either account for a long while now. So hopefully no news is good news?

[Warwick65]

Hi

I've just read back and according to post 83 , in March 2018 Cabot told you that they couldn't comply with your CCA request and is therefore unenforceable. Has anything changed in the last 3 years?

If nothing has changed it is still UE - I do hope you have that letter , please keep hold of it.

As it happens I had both a Natwest and a Mint credit card which were sold to Cabot Financial UK about the same time. I sent CCA requests then and they have never sent me the agreements (they are both Statute Barred now)

[Joanna Connolly]

If you have been making payments via a DMP then the debts will imitation will be stature barred on 17 November 2023

[chris335f]

Thanks for your feedback, I really appreciate the help I have received from members of this forum over the years.

I made my last payments to creditors via a DMP on November 17th, 2017. Does this mean that my debts will not be Stature Barred for a couple of years yet?
My defaults (6 years) have all dropped off my credit record over a year ago.

Any advice, please. Thanks.

[Roger]

I have noticed that some DCA letters are just template repeats over and over again. In one case my experience is of being sent the same worded letter every year!
Your silence is working!!
"..
I recently received a letter from Cabot claiming that if I do not return their calls or reply that they will be instructing Resolvecall to visit me again. They either have short memories or is this because, when I sent the doorstep home visit letter it was when I was living at my previous address?
.."
I would do nothing!
If Resolvecall turn up smile and say please close the gate on you way out and gently close the front door!

[The Tech Clerk]

If they all they leave a card begging you to ring a office which you smile and throw it away no need to speak unless ask them to shut gate on way out.

[chris335f]

I haven't posted on here for quite a while as I have been filling letters away and ignoring any attempts from debit collection agencies trying to contact me.

The last issue I had is when Cabot Finacial handed things over to Resovlecall and they tried to visit my home. I sent them the doorstep/Home visit letter from the AAD+ template letters and that worked. Resolvecall stopped further activities and handed back to Cabot.

I recently received a letter from Cabot claiming that if I do not return their calls or reply that they will be instructing Resolvecall to visit me again. They either have short memories or is this because, when I sent the doorstep home visit letter it was when I was living at my previous address?

Could anyone kindly offer some advice on this?

Possibilities of another doorstep visit from Resolvecall is making me anxious. Do I need to send another doorstep/visit letter to Cabot or Resolvecall in advance to prevent this from going any further? What about the original letter I had sent to Resolvecall, does it become void because it was sent from my previous address. Apologies for overthinking things.

Thanks in advance.

[chris335f]

Thanks for your reply Spud,

That has made me feel a whole lot better about things.

Happy New Year to you too!

Cheers

[Spud]

I am making the presumption that this letter was posted through your letter box by hand ( After their representative had visited but obviously found that you were out?) .........what a shame they had a wasted trip.........terrible terrible news ( For them )

Resolvecall may or may not visit again.......It depends how much they are getting paid in reality. I know this is not a nice thing to come back to

The way I would suggest you tackle this is.......If they knock the door and you answer ( By accident) and they ask for you ( Hello are you fred bloggs etc) Just ask who wants to know and they will identify themselves as Resolvecall etc - Then just simply ask them to leave and shut the door.

You are under no obligation to talk to them or identify who you are or confirm that you are the person they are after etc ( And I would not advise confirming your name etc) - Just ask them to leave and close the door - In fairness to Resolvecall - They will just leave and move onto the next address in my experience.

Secondly, I would suggest that you sent them the doorstep/Home visit letter from the AAD template letters on AAD+ which expressly tells them that you wish that they only contact you in writing and not visit you at home.It removes their implied right to visit your property which they should respect

Send that and see how you go - If you have any more issues - Post up again and lets see where we are

If it helps - Resolvecall once visited me - I sent the letter and they never came again - Job done

And while we are here.......A very happy new year to you and yours

[chris335f]

[QUOTE=chris335f;n1507068]MINT
Credit Card
Date Commenced: Unknown
Balance £5,056.14
Date Last Full Payment: April 2010
Status: Arrears
Account Owner: Wescot Credit Services Ltd - Resolvecall now acting on behalf of Cabot Financial Europe Ltd.

29/01/18: CCA Request Sent

05/02/18: Received a reply from Wescot, CCA request has been returned with the postal order. They have told me to send the CAA request directly to Cabot Financial Europe Ltd.

06/02/18: CCA request sent to Cabot Financial Europe Ltd. with a copy of the letter from Wescot and £1 postal order made payable to Cabot.

06/02/18: I found a letter received from Mint (Royal Bank of Scotland) dated 18th August 2017 which states; 'On 3rd July 2017, your account was assigned to Cabot Financial (UK) Ltd. who are now the legal owners of the debt'. 'Wescot Credit Services will continue to manage your account on behalf of Cabot Financial (UK) Ltd. and deal directly with your authorised 3rd party'.

14/02/2018: Received a reply from Cabot Financial stating that they do not have the information on file. They have requested the relevant details from Mint. They have acknowledged the 12-day time limit to provide the information. Cabot has requested the details from the original lender and anticipate they will not be able to provide this within 12 days, but hope that within 40 days they would have received the information to comply with the CCA request.

Update 26/03/18: 40 days have now passed with no communication from Cabot Financial.

22/03/18: Received a letter from Cabot Financial regarding the CCA request stating - 'Unfortunately we have not been able to provide you with the requested information within the relevant time period' 'Your credit agreement is currently unenforceable which means we are not permitted to obtain a decree or judgement against you in court' 'However you balance remains outstanding and due.



29/03/2018: Received a letter from Cabot Financial stating 'Welcome back to Cabot. Your account was being managed by an agent of ours; we have decided we would like to work with you directly and have asked them to return it to us'
This letter has been ignored and filed away.

19/04/2018: Received a letter from Cabot Financial stating 'Welcome back to Cabot. Your account has been returned to us and we're still waiting to hear from you'.
This letter has been ignored and filed away.

21/05/2018: Received a letter from Cabot Financial stating 'your balance of £5,056.14 is waiting to be paid'
This letter has been ignored and filed away.

08/06/18: Received a letter from Cabot stating that I need to make a new plan of payment.
This letter has been ignored and filed away.

25/06/18: Received the same letter again from Cabot stating that I need to make a new plan of payment.
This letter has also been ignored and filed away.

20/07/18: Received a letter from Cabot Financial stating: Save £50 when you update your budget.
This letter has also been ignored and filed away.

01/09/18: Received a letter from Cabot stating: We are part of The Cabot Credit Management Group that own your MINT Mastercard Classic - Credit Card. We have recently confirmed you are living at the above address...
This letter has been ignored and filed away.

18/09/18: Received a letter from Cabot stating: We would like to hear from you. We have recently confirmed that you live at the above address. We do this through a variety of checks, so we're confident that we have the correct address for you. We need to talk to you to arrange a repayment plan...
They are still avoiding that they couldn't meet the CCA request. This letter has been ignored and filed away.

06/12/18
Letter received from Resolvecall. 'We are acting on behalf of Cabot Financial (Europe) LTD who have purchased this account from RBS Wescot GS SecondaryPurcha. This letter has been ignored and filed away.[


Please, can somebody help?

I was away from home yesterday and just arrived back to find a letter regarding an attempted personal visit to my home this morning from Resolve Call to try and speak to me about the above outstanding debt. This account has not met my original CCA request I sent in January.

I am sure they will try to visit again at some point, what do I say to 'Resolve Call' to stop them calling at my home? Where do I stand on this? Can I stop these people harassing me and calling at my address?

Thanks in advance.

[Roger]

GS Secondary Purchase (not heard of them specifically) However it could be :

Goldman Sachs (ie GS )

https://www.businessinsider.com/r-goldman-sachs-raises-7-billion-to-buy-secondhand-stakes-in-private-equity-sources-2017-6?r=US&IR=T

[chris335f]

Just received two more letters, another letter from Wescot chasing the Santander account stating that they have now done an address search, so I guess that's another debt collection search added to my CR.

Also received a letter from a company called Resolvecall who are now acting on behalf of Cabot Financial (Europe) Ltd. for recovering the Mint card debt.

Does anybody know what a GS Secondary Purchase stands for?

[The Tech Clerk]

wescot are only collectors on commission agents (wetcloths to many of us) not debt buyers

[The Tech Clerk]

wescot are only collectors on commission agents (wetcloths to many of us) so santander still own account

[Roger]

Santander has recently instructed Wescot Credit services Ltd. to pursue and recover the outstanding debt. A CCA request has previously been sent 29/01/18 to Santander, unfortunately, it came back as enforceable. (copies of the reply to the CCA request were sent to Niddy for assessment).

https://all-about-debt.co.uk/forum/d...70#post1507070

I have just received a debt collection letter from Wescot. Can anyone advise what I should do with these enforceable debts? What are the consequences of ignoring the letter with a notice of debt collection that is enforceable? Has anybody had experience of this situation? Is it good news that Santander has sold the debt on to Wescot or bad news?

Thanks in advance.

File away. Long way to go yet and there are many reasons for UE.