Moonmonkey's Diary

[The Tech Clerk]

yes 1st proceeding to court action! Mortgage would look at credit file whoever they use to check you out

[Moonmonkey]

Sainsburys Bank Personal Loan / Wescot

Agreement Start Date: 15/02/2008
Feb 20 Balance: £1539.86
Last Payment via Payplan: 15 Feb 2020 £137.10
CCA requested: 27/02/2020
CCA signed for: 28/02/2020

09/03/2020 - Letter from Sainsbury's Bank Recoveries in Hull
Saying - "We need you to call us, before we can take the next steps"

What should I do?

23/03/2020 - Letter from Sainsburys bank dated 10/03/2020 sent to me muvvas - saying that they have passed the debt onto Wescot and refer to my arrangement through payplan - self managing now and withholding payment until i get an enforceable CCA.

23/03/2020 - Letter from Wescot dated 11/03/2020 again sent to me muvvas - saying that they have been passed the debt from Sainsburys and refer to my arrangement through payplan.

24/04/2020 - I offered them F&F of 10% awaiting response.

20/05/2020 - Letter from Wescot dated 5/5/2020 saying that they are looking into my request and account is on hold for now.

Feb 2021 - 6 month statement from Sainsburys bank

02/03/2021 - Cheque for 14 quid received from Sainsburys for not handling my situation between 2013 and 2017 - only had £1 in interest and charges hence the £14 cheque

30/03/2021 - Letter from Sainsburys - saying they have sold the debt to Cabot but will continue to be managed by Wescot - I see this as a good thing that Cabot have purchased the debt and still no sign of the CCA. Filed

06/09/2023 - so 2 and a half years of nothing - Cabot have sent a standard chasing letter for this debt. I am in the process of a mortgage application so im probably overthinking it.... is it still the case that I would need a letter before claim before anything bad can happen?

[PlanB]

thanks Di - sorry just seen your response. They ring me daily - I haven't and won't answer. Funny that the debt of the lowest value (£230) is chasing me the hardest.

It could cost them more in postage and their phone bill if they keep this going!

I'm glad Link have gone quiet.

Di

[Moonmonkey]

Is this the debt that had the wrong Default date reported which was subsequently removed?

I doubt Arc could add anything to your CRA file since they are a Debt Collection Agency not the creditor/debt owner.

More importantly this debt appears to be unenforceable as Nationwide didn't comply with your CCA Request sent in February 2020

Di

thanks Di - sorry just seen your response. They ring me daily - I haven't and won't answer. Funny that the debt of the lowest value (£230) is chasing me the hardest. Nothing from the rest - even link seem to have given up.

[PlanB]

Update - hope they don't start reporting on CRA's as have had problems / complaints with Nationwide as they didn't default but agreed to remove from my file.

Is this the debt that had the wrong Default date reported which was subsequently removed?

I doubt Arc could add anything to your CRA file since they are a Debt Collection Agency not the creditor/debt owner.

More importantly this debt appears to be unenforceable as Nationwide didn't comply with your CCA Request sent in February 2020

Di

[Moonmonkey]

Nationwide CC

Agreement Start Date: 10/12/2008
Feb 20 Balance: £231.33
Last Payment via Payplan: 15 Feb 2020 £20.60
CCA requested: 27/02/2020
CCA signed for: 28/02/2020

13/03/2020 - Nothing Exciting - my CCA request was signed for on Friday 28/2 - that's 12+2 days right? Still no response.

23/03/2020 - Letter received at my previous address which luckily is my mums - Just confirming they have agreed the payment plan submitted by Payplan in January. Well i'm self managing my DMP now and withholding payment until they come up with an enforceable CCA.

27/04/2021 Letter Recieved account has been referred to ARC (Europe) Ltd

Update - hope they don't start reporting on CRA's as have had problems / complaints with Nationwide as they didn't default but agreed to remove from my file.

[Timewilltell]

I believe JS sell to Cabot Europe version or at least they did with wife’s.

as said keep the failure to comply to s.78 request as a trump card. Only reveal when necessary. Now is not the time.

[Warwick65]

Sainsburys Bank Personal Loan / Wescot

Agreement Start Date: 15/02/2008
Feb 20 Balance: £1539.86
Last Payment via Payplan: 15 Feb 2020 £137.10
CCA requested: 27/02/2020
CCA signed for: 28/02/2020

09/03/2020 - Letter from Sainsbury's Bank Recoveries in Hull
Saying - "We need you to call us, before we can take the next steps"

What should I do?

23/03/2020 - Letter from Sainsburys bank dated 10/03/2020 sent to me muvvas - saying that they have passed the debt onto Wescot and refer to my arrangement through payplan - self managing now and withholding payment until i get an enforceable CCA.

23/03/2020 - Letter from Wescot dated 11/03/2020 again sent to me muvvas - saying that they have been passed the debt from Sainsburys and refer to my arrangement through payplan.

24/04/2020 - I offered them F&F of 10% awaiting response.

20/05/2020 - Letter from Wescot dated 5/5/2020 saying that they are looking into my request and account is on hold for now.

Feb 2021 - 6 month statement from Sainsburys bank

02/03/2021 - Cheque for 14 quid received from Sainsburys for not handling my situation between 2013 and 2017 - only had £1 in interest and charges hence the £14 cheque

30/03/2021 - Letter from Sainsburys - saying they have sold the debt to Cabot but will continue to be managed by Wescot - I see this as a good thing that Cabot have purchased the debt and still no sign of the CCA. Filed

is this the account we are talking about. In your letter dated today it should say exactly who it has been sold to. I’m assuming this is Cabot Financial (Europe). Is that right?

Not that it is that important at the moment as Sainsbury are in default of your s78 request something you ‘may’ need to remind them of at some point in the future but not just yet.

[Moonmonkey]

Which Cabot company has it been assigned to?

the letter head says Cabot Financial - the footer says Cabot Financial (Europe) Limited is an appointed rep of Cabot Credit Management Group Ltd

[Joanna Connolly]

Which Cabot company has it been assigned to?

[PlanB]

Sainsburys Bank Personal Loan / Wescot

Agreement Start Date: 15/02/2008
Feb 20 Balance: £1539.86
Last Payment via Payplan: 15 Feb 2020 £137.10
CCA requested: 27/02/2020
CCA signed for: 28/02/2020

. . . .


02/03/2021 - Cheque for 14 quid received from Sainsburys for not handling my situation between 2013 and 2017 - only had £1 in interest and charges hence the £14 cheque

30/03/2021 - Letter from Sainsburys - saying they have sold the debt to Cabot but will continue to be managed by Wescot - I see this as a good thing that Cabot have purchased the debt and still no sign of the CCA. Filed [/COLOR]

Hello

That's definitely good news, especially since earlier this month Sainsburys admitted they had not handled your account properly between 2013 and 2017, and sent you a modest cheque to compensate for this.

A few weeks' later they assigned (sold) your account to a debt purchaser.

Perhaps there might be more things wrong with it, apart from not having complied with your CCA Request from over a year ago.

Di

[Timewilltell]

That’s a real good move. Now you need to pay attention to the particular Cabot owner detail. If JS can’t supply a CCA then little chance Carboot will.

[Moonmonkey]

Sainsburys Bank Personal Loan / Wescot

Agreement Start Date: 15/02/2008
Feb 20 Balance: £1539.86
Last Payment via Payplan: 15 Feb 2020 £137.10
CCA requested: 27/02/2020
CCA signed for: 28/02/2020

09/03/2020 - Letter from Sainsbury's Bank Recoveries in Hull
Saying - "We need you to call us, before we can take the next steps"

What should I do?

23/03/2020 - Letter from Sainsburys bank dated 10/03/2020 sent to me muvvas - saying that they have passed the debt onto Wescot and refer to my arrangement through payplan - self managing now and withholding payment until i get an enforceable CCA.

23/03/2020 - Letter from Wescot dated 11/03/2020 again sent to me muvvas - saying that they have been passed the debt from Sainsburys and refer to my arrangement through payplan.

24/04/2020 - I offered them F&F of 10% awaiting response.

20/05/2020 - Letter from Wescot dated 5/5/2020 saying that they are looking into my request and account is on hold for now.

Feb 2021 - 6 month statement from Sainsburys bank

02/03/2021 - Cheque for 14 quid received from Sainsburys for not handling my situation between 2013 and 2017 - only had £1 in interest and charges hence the £14 cheque

30/03/2021 - Letter from Sainsburys - saying they have sold the debt to Cabot but will continue to be managed by Wescot - I see this as a good thing that Cabot have purchased the debt and still no sign of the CCA. Filed

Update 30/03/2021

[Moonmonkey]

Sainsburys Bank Personal Loan / Wescot

Agreement Start Date: 15/02/2008
Feb 20 Balance: £1539.86
Last Payment via Payplan: 15 Feb 2020 £137.10
CCA requested: 27/02/2020
CCA signed for: 28/02/2020

09/03/2020 - Letter from Sainsbury's Bank Recoveries in Hull
Saying - "We need you to call us, before we can take the next steps"

What should I do?

23/03/2020 - Letter from Sainsburys bank dated 10/03/2020 sent to me muvvas - saying that they have passed the debt onto Wescot and refer to my arrangement through payplan - self managing now and withholding payment until i get an enforceable CCA.

23/03/2020 - Letter from Wescot dated 11/03/2020 again sent to me muvvas - saying that they have been passed the debt from Sainsburys and refer to my arrangement through payplan.

24/04/2020 - I offered them F&F of 10% awaiting response.

20/05/2020 - Letter from Wescot dated 5/5/2020 saying that they are looking into my request and account is on hold for now.

Feb 2021 - 6 month statement from Sainsburys bank

02/03/2021 - Cheque for 14 quid received from Sainsburys for not handling my situation between 2013 and 2017 - only had £1 in interest and charges hence the £14 cheque

So are all lenders paying this compensation - and is it based on interest and charges for the period? if thats the case then barclays charged me over £800 in interest and charges after I entered into my DMP and defaulted

[Joanna Connolly Solicitors]

Nope

So the debt remains unenforceable unless or until they do send it

Di