Cowbopper UE Diary

[ca71]

Well done to all!

[cowbopper]

Cheque received from Sainsbury’s today. App £20 as “ we didn’t take into account your financial situation and should’ve managed your account differently”

[Joanna Connolly Solicitors]

Cheque received from Sainsbury’s today. App £20 as “ we didn’t take into account your financial situation and should’ve managed your account differently”

Is this Debt No 10 which has now been assigned to Intrum?

It's nice to get a letter admitting they mismanaged your account (humiliation ), but I'm sure I'm not alone in thinking £20 is a derisory amount of money to compensate you for getting things wrong.

Di

[cowbopper]

Is this Debt No 10 which has now been assigned to Intrum?

It's nice to get a letter admitting they mismanaged your account (humiliation ), but I'm sure I'm not alone in thinking £20 is a derisory amount of money to compensate you for getting things wrong.

Di

Yeah, this is the one currently with Intrum.
From the letter, the amount is made up from a charge applied some years ago and then statutory interest on top. Seems a bit mad to me that I owed someone money that I never completely paid back and now their giving me more ?.

[cowbopper]

Had the pleasure of a visit from resolvecall today on behalf of Intrum. Other half answered, said I was in bed, he asked what it was about, resolvecall refused to say and asked for my phone number. OH politely declined. Card was put through the door for me asking to contact. Is this a situation I should be concerned over?

[Still Waving]

In short, No. Don't bother to engage with Resolvecall. Wait to see what Intrum do next.

[The Tech Clerk]

job done hope they closed the gate on the way out their - failure. end of that attempt.

[Spud]

Hi

As others have said, Its not something to be concerned over and in fact team Cowbopper handled it "like a boss"

They have been, tried, Got nowhere and left - It may deter them from coming again as it wasn't fruitful last time

If they do come again, Just ask them to leave and close the door - Job done

They tend to catch on pretty quickly normally

[stuckinarut]

Had the pleasure of a visit from resolvecall today on behalf of Intrum. Other half answered, said I was in bed, he asked what it was about, resolvecall refused to say and asked for my phone number. OH politely declined. Card was put through the door for me asking to contact. Is this a situation I should be concerned over?

They will be cheesed off at missing out on the commission. However i myself never got a repeat visit. Resolvecall must be very experienced at getting nowhere most of the time

[cowbopper]

It’s been a little while since I posted. Today I’ve received another letter before action from
MC. The last time they sent was in 2019, and the matter was placed on hold pending CCA and SAR which were never responded to and now their trying for round 2.

my assumption is to go through the same as before or does anyone recommend a different approach given that they never responded last time around??

history of the debt in question listed below.

thanks


4. HSBC CREDIT CARD ACCOUNT 2

Approx. 2009
Balance 4800
Date of last full payment: October 2012
Default: Aug 2013
Stopped paying DMP in June 2018
Account Owner: Cabot Financial UK Limited or Europe (unclear)
ACTIONS:
Await SAR

23/05/2014: Metropolitan offer accepted of payment via DMP
21/11/2017: HSBC confirming sale of account to Cabot Financial (UK) Limited
11/08/2018: Cabot your repayments are in arrears letter
01/09/2018: Cabot welcome letter
18/09/2018: Cabot please contact us letter
04/10/2018: Cabot please contact us letter
12/10/2018: Cabot Statement of account
22/10/2018: Cabot please contact us letter
08/11/2018: Cabot please contact us letter
06/12/2018: Cabot We've traced you to this address letter
07/01/2019: Cabot please contact us letter
16/02/2019: Cabot please contact us letter
03/03/2019: Cabot threat of legal action
21/03/2019: Cabot referring to Mortimer Clarke
22/03/2019: Mortimer Clarke send Pre Action letter
29/03/2019: CCA request made
03/04/2019: CCA acknowledged and confirmed action ‘on hold’
20/05/2020: SAR sent to original creditor
22/03/2021: refund of charges app £350 (account mismanaged)

No further communication

[Timewilltell]

Did the Sar reveal any agreement etc?
if not then refer them back to the 2019 request.

[cowbopper]

That’s just it, no response was ever received from the SAR or the CCA requests

Did the Sar reveal any agreement etc?
if not then refer them back to the 2019 request.

[Timewilltell]

You really have two choices,
1) reply with I refer you to my letter dated ****** (Cca request)
2) ignore and see if a claim lands then refer to JCS for support.

personally I have done 1) on a number of occasions in these circumstances and have heard no more.

[Still Waving]

my assumption is to go through the same as before or does anyone recommend a different approach given that they never responded last time around??

Hi

I would certainly send a SAR to HSBC. Get that off ASAP (no fee to pay) but send recorded delivery. DON'T send a CCA to Cabot/MC, or respond at the moment. Wait until advised further here.

Is letter from MC the pre action protocol one with the questionnaire attached?

The refund of charges in 2021 is interesting if they have admitted in writing to mismanaging the account.

[Still Waving]

29/03/2019: CCA request made
03/04/2019: CCA acknowledged and confirmed action ‘on hold’
20/05/2020: SAR sent to original creditor
22/03/2021: refund of charges app £350 (account mismanaged)

No further communication

What happened between 03/04/19 and 20/05/20 to cause you to send a SAR at that point?
What happened between 20/05/20 and 22/03/21 to cause them to refund you?