Toots UE Diary

[The Tech Clerk]

sounds Phishing letter ignore for now

[Roger]

Fishing letters! Ignore and don't communicate because in order to SUE they would have to have your address.
SILENCE don't nibble at their bait!

[Pat]

They have ways and means. Did Hoist communicate with you at this address. My partner has an address that not all databases get correct and I got two census forms, one with my door number and one as a flat.

[Toots]

Hi all,

Lowell have bought out Hoist. I had two debts with Hoist, but Lowell only communicating about one of them. However, they're using an address I have never given them. It's not the address on my credit report. Long story, and nothing shady going on my end, it's just the way the house is registered with the Royal Mail database. Some databases used by businesses don't recognise my postal address, and if the address can't be put in manually cannot be registered. Any ideas? Is this Lowell putting two and two together? Are they that resourceful?

T

[The Tech Clerk]

Hi all,

Re the first debt on my diary to Santander - I've have not actively communicated with them in over 6 years. Does this make the debt statute barred? They send me statements once or twice a year, but that's it.

They are suppose to send annual statements out but as over 6 years and no communicating they are ignorant to fact = they cannot do anything except ask ( Probably annual xmas party gets cancelled people are not stupid and give them money for party).

[Toots]

Do you have a record of the account ever having been formally defaulted? If so, what date?

Hi Still Waving,

Default notice served in May 2009.

Many thanks

[Still Waving]

Hi all,

Re the first debt on my diary to Santander - I've have not actively communicated with them in over 6 years. Does this make the debt statute barred? They send me statements once or twice a year, but that's it.

Do you have a record of the account ever having been formally defaulted? If so, what date?

[Toots]

Hi all,

Re the first debt on my diary to Santander - I've have not actively communicated with them in over 6 years. Does this make the debt statute barred? They send me statements once or twice a year, but that's it.

[Toots]

Colin G Quinn have a chat with him for starters.

Done. Turns out the paperwork was a court claim, rather than a letter of claim.

[The Tech Clerk]

Colin G Quinn have a chat with him for starters.

[Toots]

Hi all,

I've received a letter of claim over the weekend. What next? Colin?

[Roger]

The exact wording is 'We enclose a copy of your credit agreement, statement of the account, and default notice.' The CCA is ok. The statement of account covers payments from 2005 to 2009 and having a closer look seems to have come from the same people that are telling me they can't find my details ie the original creditors (there's a header of a couple of words that gives it away). The default as I say is blank.

Yes, it was consolidation, and most likely for other credit cards/loans. I can't remember that far back which ones though. I couldn't access bank records for the time as the bank I was with at the time is another of my debts on the diary.

Also, I don't know if this make any difference, but Cabot said they owned the debt, not that they were acting on behalf of the creditor.

Ok, so I won't write again, and wait.

Much appreciated.

Well bring the diary up to date with this information.
Debt Consolidation can't be used to dress up a turd!
It raises the question as to whether the original debts were themselves Enforcible!! Obviously they dated before the loan was taken out in 2005!

Some home work here on your part will help if you can identify some of these debts repayments.

Don't worry about Cabot and Assignment other than NOTING that Cabot Financial (UK) Ltd are not FCA registered.

A Blank Default Notice from Cabot's Solicitors Mortimer Clarke on 16/12/22 . Could turn out to be the best Christmas Present sent in 2022.

In the last few years AAD advice has changed. Tactics have become a feature. These DAC's take over debts but without documents! So you do not want to encourage them to go looking for documents!

Sit on your hands no communication and see what they do next!

[Toots]

The Default Notice is a Legal and frankly complex Document.

Looking at your Diary : opened 2005 and Defaulted 2007
This is a long time ago !

You do not want to alert Cabot at this time to encourage them to put their ducks in a row.
Does their LETTER expressly state " the default notice I would have been sent "?
Their exact wording here is important!

Some homework here is also called for
Can you remember the purpose of this loan for AA?
Was it to pay off existing Debt? If so what Debt?

You can do no more than you have done.
Tactics are important and my advise is to wait to see what they do next!
If a Claim is received contact Colin G Quinn (initial interview is free) and refer back to your Diary!

The exact wording is 'We enclose a copy of your credit agreement, statement of the account, and default notice.' The CCA is ok. The statement of account covers payments from 2005 to 2009 and having a closer look seems to have come from the same people that are telling me they can't find my details ie the original creditors (there's a header of a couple of words that gives it away). The default as I say is blank.

Yes, it was consolidation, and most likely for other credit cards/loans. I can't remember that far back which ones though. I couldn't access bank records for the time as the bank I was with at the time is another of my debts on the diary.

Also, I don't know if this make any difference, but Cabot said they owned the debt, not that they were acting on behalf of the creditor.

Ok, so I won't write again, and wait.

Much appreciated.

[Roger]

Thanks Roger, that's correct. There was no identifying information in the default template. It was a virgin template. No header. Nothing.
I've received another letter today from Bank of Scotland, but this time in an envelope with the return addess as Intelligent Finance in Livingston. The return address given on the letter itself is Bank of Scotland DSAR Team in Andover. It's exactly the same letter as the one I received a couple of days ago, just in a different envelope.

The Default Notice is a Legal and frankly complex Document.

Looking at your Diary : opened 2005 and Defaulted 2007
This is a long time ago !

You do not want to alert Cabot at this time to encourage them to put their ducks in a row.
Does their LETTER expressly state " the default notice I would have been sent "?
Their exact wording here is important!

Some homework here is also called for
Can you remember the purpose of this loan for AA?
Was it to pay off existing Debt? If so what Debt?

You can do no more than you have done.
Tactics are important and my advise is to wait to see what they do next!
If a Claim is received contact Colin G Quinn (initial interview is free) and refer back to your Diary!

[Toots]

You will know that Cabot Financial (UK) Ltd are not FCA registered.
"..
Your mistake is quoting the A/c Number!!!

You want a DSAR from BOS of any DATA they hold on you! Don't refer to any account etc.. Your entry 18/11/2013 (ten years ago) contradicts their letter! Seems that records are missing!

The Template of the default Notice I would have been sent! Are you saying there was nothing in that Template? No amounts Dates, Default amounts pay by Date! No Bank Header Named just a empty Template?

Thanks Roger, that's correct. There was no identifying information in the default template. It was a virgin template. No header. Nothing.

I've received another letter today from Bank of Scotland, but this time in an envelope with the return addess as Intelligent Finance in Livingston. The return address given on the letter itself is Bank of Scotland DSAR Team in Andover. It's exactly the same letter as the one I received a couple of days ago, just in a different envelope.