Start of Diary Edited - Wife

[Warwick65]

Updated

Just received from Hoist with regards CCA request, an envelope full of statements, no other information.

Also a letter enclosed advising that account remains on hold, still waiting further information.

So as this is pre 2007 then a bunch of statements is just not good enough

[PlanB]

Just received from Hoist with regards CCA request, an envelope full of statements, no other information.

Also a letter enclosed advising that account remains on hold, still waiting further information.

You say the last payment was at the beginning of 2016 so you're now in the final months before the debt may become Statute Barred.

Time to hold your breath

Is the Default date still showing on your CRA file or is their a slim chance the account was defaulted before that last payment?

Di

[Joanna Connolly]

Updated

Just received from Hoist with regards CCA request, an envelope full of statements, no other information.

Also a letter enclosed advising that account remains on hold, still waiting further information.

Hi Strepsi

This is a RBS current account? Did you have an arranged personal overdraft on the account? S.78 CCA requests are still applicable with personal account overdrafts as HHJ Walden Smith found in a case our firm defended MFS Portfolio Ltd v Phelan & West.

Howard Cohen from experience will try to say that they do not have to provide a copy of whatever documentation you signed and/or received at the time but that is wrong.

[Strepsi]

Hi Strepsi

This is a RBS current account? Did you have an arranged personal overdraft on the account? S.78 CCA requests are still applicable with personal account overdrafts as HHJ Walden Smith found in a case our firm defended MFS Portfolio Ltd v Phelan & West.

Howard Cohen from experience will try to say that they do not have to provide a copy of whatever documentation you signed and/or received at the time but that is wrong.

Hi Jo,

According to the statement their does appear to be an overdraft.

Cheers

[Strepsi]

You say the last payment was at the beginning of 2016 so you're now in the final months before the debt may become Statute Barred.

Time to hold your breath

Is the Default date still showing on your CRA file or is their a slim chance the account was defaulted before that last payment?

Di

Hi,

I aren't sure on default date, but I seem to think the account was defaulted before we made our last payment.

March 2022 is SB month (I think?)

[Strepsi]

You say the last payment was at the beginning of 2016 so you're now in the final months before the debt may become Statute Barred.

Time to hold your breath

Is the Default date still showing on your CRA file or is their a slim chance the account was defaulted before that last payment?

Di

Updated...
"Further to your recent contact in relation to your account we have now completed our investigation. Unfortunately, despite our attempts, we have been unable to source the additional information we required from your original creditor to fully resolve your dispute however should we receive this in the future we will provide it to you...

We have placed your account on hold for 14 days to allow you sometime to look at how you would like to manage your account. If we haven't heard from you during this time, we'll contact you again"

[PlanB]

Updated...
"Further to your recent contact in relation to your account we have now completed our investigation. Unfortunately, despite our attempts, we have been unable to source the additional information we required from your original creditor to fully resolve your dispute however should we receive this in the future we will provide it to you...

Or to put it another way "we haven't got your credit agreement so can't comply with your s77-79 CCA Request"

Yay!

Di

[Strepsi]

29 June 2020, 22:36
This is a different post - not a duplication

• Type of account Natwest
• Date commenced 2013
• Approx balance 4000
• Date last paid Feb 2016
• Are you on arrangement or not paying?
• Status Defaulted Sep 2014
• Account owner Cabot Financial (Uk) Ltd

First form of any communication for years from Natwest. I am relieved that it is finally being sold.

Received letter in same envelope advising that debt has been sold to Cabot Financial UK Ltd. The letter makes it very clear that Cabot UK are the legal owners.

Just sit and wait I guess...

Updated
Not a great deal being happening, but received letter advising that Resolvecall will be paying me a visit at some point....I guess will need to send another letter.

As yet still haven't CCA'd this account.

[The Tech Clerk]

do not waster another letter, if they turn up they leave a calling card and go, cost cabot to pay local field hopeful for calling, mostly scare tactics, what ever you do not speak to them, only if need to be polite ! never admit or deny,

[Warwick65]

Remember you always have that CCA request to keep up your sleeve. Am I right in thinking you have until February next year before it becomes SB?

[stuckinarut]

29 June 2020, 22:36
This is a different post - not a duplication

• Type of account Natwest
• Date commenced 2013
• Approx balance 4000
• Date last paid Feb 2016
• Are you on arrangement or not paying?
• Status Defaulted Sep 2014
• Account owner Cabot Financial (Uk) Ltd

First form of any communication for years from Natwest. I am relieved that it is finally being sold.

Received letter in same envelope advising that debt has been sold to Cabot Financial UK Ltd. The letter makes it very clear that Cabot UK are the legal owners.

Just sit and wait I guess...

Updated
Not a great deal being happening, but received letter advising that Resolvecall will be paying me a visit at some point....I guess will need to send another letter.

As yet still haven't CCA'd this account.

Hi Strepsi. Good news the owner is Cabot Financial uk ltd
Im with warwick65 regarding your cca request. Hold on to that till the absolute last gasp. As for resolvecall a letter wont stop them if they plan to visit. If they do. Just say sorry no thanks dont want to speak with you. please leave, and have a nice day job done. good luck

[Strepsi]

Balance £4300
Defaulted: Date not sure.
Royal Bank of Scotland

A mysterious one this one....

I know that it has been CCA'd.

As received this letter dated October 2016.

Thank you for your letter received on the September 2016. I can confirm and advise the following.
1. Apex Credit is an agency collecting on behalf of our client, RBS, who remaining the creditor of the above account.
2. Your request for information under the CCA 1974 is required to be made directly to the client.

Further to the above, please find the enclosed £1.00 Postal Order.

Unfortunately back in 2015/16 I was a bit of an Ostrich and lots of debt stuff got 'filed'. So don't have any other information than this. Only had the one letter relating to chasing this debt.

20th May 2023
Just received letter from Global Debt Recovery, chasing above amount. Have to reply within 14 days, otherwise escalated to collections department!

This is well and truly SB’d and Cabot also weren’t authorised.

Next action please?

[Still Waving]

Balance £4300
Defaulted: Date not sure.
Royal Bank of Scotland

A mysterious one this one....

I know that it has been CCA'd.

As received this letter dated October 2016.

Thank you for your letter received on the September 2016. I can confirm and advise the following.
1. Apex Credit is an agency collecting on behalf of our client, RBS, who remaining the creditor of the above account.
2. Your request for information under the CCA 1974 is required to be made directly to the client.

Further to the above, please find the enclosed £1.00 Postal Order.

Unfortunately back in 2015/16 I was a bit of an Ostrich and lots of debt stuff got 'filed'. So don't have any other information than this. Only had the one letter relating to chasing this debt.

20th May 2023
Just received letter from Global Debt Recovery, chasing above amount. Have to reply within 14 days, otherwise escalated to collections department!

This is well and truly SB’d and Cabot also weren’t authorised.

Next action please?

Cabot ???
History please.

[The Tech Clerk]

Diary?