Spentout's UE Diary

[SPENTOUT]

Re: Spentout's UE Diary

Afternoon all

Just sent email to Niddy with Recon agreement attached, so hopefully should be good news.

Whilst I am sat here doing my stuff The phone has started ringing again Cabots, Boy do they get narky when you wont play ball, threw his dummy out

Spent

[MrsD]

Re: Spentout's UE Diary

Don't answer the phone if you know it's Cabot, no 1 rule do not speak with these people on the phone.

[SPENTOUT]

Re: Spentout's UE Diary

Hi MrsD

I haven't got caller display, so I don't know who calls until I answer.
Not a problem though I just won't engage in conversation with them, even when they say they are only trying to help me

Thanks
Spent

[Pixie]

Re: Spentout's UE Diary

Just make sure you fail security...or put the phone down on them

[SPENTOUT]

Re: Spentout's UE Diary

Hi Niddy

Just wondering if you have had chance to look at the agreement I emailed to you.
Or really just checking that it has actually reached you, cos I am never really sure of where they go

Cheers
Spentout

[Pixie]

Re: Spentout's UE Diary

Hi SPENTOUT.

It's only been a couple of days since you emailed the agreement to Niddy so give him a few more days...I know he's busy with the technical side of the site at the moment.

I realise you're anxious to know if it's UE but a few days doesn't usually make any difference.

[SPENTOUT]

Re: Spentout's UE Diary

UPDATED DIARY



Halifax credit card
Date commenced October 2005
Approx balance £7,500
last paid Last full payment Oct 2008
Have been paying small sum monthly, next one due soon!
Status defaulted/Terminated
Account owner Cabot
Made last payment Oct 08

From the 5/11/08 all the usual CALL US NOW letters
15 Dec 08 FORMAL NOTICE of account in arrears
17th Jan 2009 DEFAULTED issued on Saturday 17th and allowing only 14 Days
2nd Feb 09 ACCOUNT TERMINATED
17th Feb 09 Sent off CCA request with £1 P.O
3rd April 09 late payment letter from Intelligent Finance showing they have received my token payment and also allocated the £1 P.O for CCA to my account
[COLOR="rgb(0, 100, 0)"]Usual letters from Blair witch during this period[/COLOR]
18th May 09 Received response to my CCA request ( shame it was only two lots of terms and conditions both 8 pages long.
22nd May 09 I Send Halifax Unlawful recission letter stating that I will only now pay towards the lawful arrears.
28th Sept 09 Threatogram from Blair witch
20th October 09 More threats from Blair
27th October 09 Blair sends me I&E forms to fill (filed them away ) also 2nd letter saying the amount that I am paying is acceptable?
Dec 09 Statement from Halifax full balance now due + it shows that there are 3 default charges For late payment/ over limit/ and returned payment. Well There was no late payment just did not pay, was only overlimit because they lowered my credit limit and there never was a returned payment?

29th Dec 09 threats from Blair witch Local door collector/ court action, death by boredom etc
13th Jan 2010 (The biggy) NOTICE OF INTENDED COURT ACTION
21st Jan 2010 CONTACT US IMMEDIATLY
21st Jan 2010 I send them a reminder of their unlawful recission and that I am only paying toward the arrears.
21st Jan 2010 Send off SAR to Intelligent Finance
12th Feb 2010 Blair witch Threatogram
22nd Feb 2010 Received my SAR bundle including copy of signed Agreement

There is a gap now as my filing is crap but not much happened until now.


17th September 2012 Informed by Cabot they have bought the account, also contained letter from Halifax saying they Assigned all of their respective rights title etc to Cabots The sale date was 6 weeks ago the balance when sold was higher than Cabot now claims by appx the value of 6 months token payments
5th October 2012 Sent CCA request to Cabots
15th October 2012 Received "first payment of plan missed call us or goes to pre litigation dept"
12th April 2013 Received recon agreement from Cabots with 14 days contact us letter
13th April 2013 Emailed CCA to Niddy
19th April 2013 Letter from Cabots Unfortunately we have not been able to provide requested info but will keep trying in the meantime PAY UP.
21st April 2013 Niddy says missing PTs
22nd April 2013 Sent Cabots missing Prescribed Terms letter.
2nd May 2013 "Crapbots have bought the acc you held with Halifax and we've tried to contact previously, its now vital that you contact us urgently to discuss your account. If you don't contact us and agree a suitable repayment plan we will move your account to the next stage of our collections process. Ignored this wait see what comes next.
21st May 2013 Please contact us urgently letter we want to help you.

18th June 2013 We have tried to make contact several times It's now vital you contact Crapbots, or else its the next stage again

15th July 2013 Next stage is here, We have made several unsuccessful attempts to contact SPENTOUT we have done a review and see you do not have any proposal to repay, you may be experiencing financial difficulties so if you give us 35% of what you owe we will write the rest off ignored this BARGAIN

18th July 2013 Oops I think someone cocked up new offer if I pay up within 30 days only UPTO 30% discount maybe Ignored

15th August 2013 Received this letter day after it was written by royal mail not TNT. Dear Mr Spentourmoney, I refer to your cca letter of 24 april I apologise for the delay I understand you are dissatisfied with the document you received. We have asked Halifax to supply a signed copy until then its unenforcable

23rd August 2013 Letter received: Dear Spentout we have recently confirmed that you live where you say you do. we have bought your account and you need to contact us immediately.

23rd August 2013 2nd Letter received: Dear spentout, We would really prefer to discuss your account on the telephone but we will agree to your request only IF YOU CO-OPERATE with us. Give us your proposal for repaying this account, and fill in our Income and Expenditure form, if you don't do this within 28 days we will start harassing you on the phone again

20th November 2014 Letter from Cabot & Marlin Letter dated 15th from cabot as they have tried to make contact and were unsuccessful they have referred this account to Marlin and I must contact them within 7 days. Also contained a NOTICE OF CHANGE on Marlin heading who have been instructed to recover this account

[SPENTOUT]

Re: Spentout's UE Diary

As you can see despite the fact I received what they call an agreement 2 weeks ago they now say they have no info yet.
But pay us what you owe.
I did like this sentence.

"Please note you are still obliged to repay the outstanding balance"

I thought that was quite polite for someone who thinks I owe them loads of dosh.
Spent

[vint1954]

Re: Spentout's UE Diary

UPDATED DIARY



Halifax credit card
Date commenced October 2005
Approx balance £7,500
last paid Last full payment Oct 2008
Have been paying small sum monthly, next one due soon!
Status defaulted/Terminated
Account owner Cabot
Made last payment Oct 08

From the 5/11/08 all the usual CALL US NOW letters
15 Dec 08 FORMAL NOTICE of account in arrears
17th Jan 2009 DEFAULTED issued on Saturday 17th and allowing only 14 Days
2nd Feb 09 ACCOUNT TERMINATED
17th Feb 09 Sent off CCA request with £1 P.O
3rd April 09 late payment letter from Intelligent Finance showing they have received my token payment and also allocated the £1 P.O for CCA to my account
[COLOR="rgb(0, 100, 0)"]Usual letters from Blair witch during this period[/COLOR]
18th May 09 Received response to my CCA request ( shame it was only two lots of terms and conditions both 8 pages long.
22nd May 09 I Send Halifax Unlawful recission letter stating that I will only now pay towards the lawful arrears.
28th Sept 09 Threatogram from Blair witch
20th October 09 More threats from Blair
27th October 09 Blair sends me I&E forms to fill (filed them away ) also 2nd letter saying the amount that I am paying is acceptable?
Dec 09 Statement from Halifax full balance now due + it shows that there are 3 default charges For late payment/ over limit/ and returned payment. Well There was no late payment just did not pay, was only overlimit because they lowered my credit limit and there never was a returned payment?

29th Dec 09 threats from Blair witch Local door collector/ court action, death by boredom etc
13th Jan 2010 (The biggy) NOTICE OF INTENDED COURT ACTION
21st Jan 2010 CONTACT US IMMEDIATLY
21st Jan 2010 I send them a reminder of their unlawful recission and that I am only paying toward the arrears.
21st Jan 2010 Send off SAR to Intelligent Finance
12th Feb 2010 Blair witch Threatogram
22nd Feb 2010 Received my SAR bundle including copy of signed Agreement

There is a gap now as my filing is crap but not much happened until now.


17th September 2012 Informed by Cabot they have bought the account, also contained letter from Halifax saying they Assigned all of their respective rights title etc to Cabots The sale date was 6 weeks ago the balance when sold was higher than Cabot now claims by appx the value of 6 months token payments
5th October 2010 Sent CCA request to Cabots
12th April 2013 Received recon agreement from Cabots with 14 days contact us letter
13th April 2013 Emailed CCA to Niddy
19th April 2013 Letter from Cabots Unfortunately we have not been able to provide requested info but will keep trying in the meantime PAY UP.

File that one Spentout

[vint1954]

Re: Spentout's UE Diary

As you can see despite the fact I received what they call an agreement 2 weeks ago they now say they have no info yet.
But pay us what you owe.
I did like this sentence.

"Please note you are still obliged to repay the outstanding balance"

I thought that was quite polite for someone who thinks I owe them loads of dosh.
Spent

Unbelievable. Wait until they contact you again

[SPENTOUT]

Re: Spentout's UE Diary

Hi Niddy

Have you had chance to look at the recon Halifax Agreement that I emailed to you yet?

I know I have been told to wait, but am impatient, and need to get a reply sent to Cabots or it may be deemed that I am ignoring them,(as if I would)

Thanks
Spent

[Never-In-Doubt]

Re: Spentout's UE Diary

Hi Niddy

Have you had chance to look at the recon Halifax Agreement that I emailed to you yet?

I know I have been told to wait, but am impatient, and need to get a reply sent to Cabots or it may be deemed that I am ignoring them,(as if I would)

Thanks
Spent

Oh shit sorry. I've not checked yet.

I'll reply first thing tmw

Sorreeeee

[SPENTOUT]

Re: Spentout's UE Diary

Many Thanks Niddy

Spent

[Never-In-Doubt]

Re: Spentout's UE Diary

I'm on phone - your email is in my PC inbox so will check in morning.

Honnist

[SPENTOUT]

Re: Spentout's UE Diary

Niddy says

So off to find missing PTs template and start round 2

Cheers Niddy and everyone who has looked.

Spent