CAPS ESC UE Diary

[vint1954]

Re: CAPS ESC UE Diary

I wouldn't waste the postage.

Have they responded to your missing PT's letter yet.

If not, just sit tight until you get another response then post again

[CAPS ESC]

Re: CAPS ESC UE Diary

updated diary and i am considering sending a complaint about their ppi investigation that they wrongly say i instigated.

[CAPS ESC]

Re: CAPS ESC UE Diary

sorry my bad, it was just an edit on start date because of the comment 'How old is your card?'
And in reply to your email niddy-- no PPI on this card that I am aware of.
And THANKS AGAIN for the help and support.

[Never-In-Doubt]

Re: CAPS ESC UE Diary

I replied long before the updated post but no update showing...!

[Undercover Elsa]

Re: CAPS ESC UE Diary

Hi CAPS,
Well done so far...I'm amazed they've dug up the docs so quickly bearing in mind the age of the card.

Fingers crossed Niddy finds issues with it

Elsa x

[CAPS ESC]

Re: CAPS ESC UE Diary

i've updated my post now, learning all the way

[DoTheyMeanMe]

Re: CAPS ESC UE Diary

You are in the right place. The experts will be along to advise you soon. I saw a Halifax credit card off a while ago. They aren't the most efficient in the world.

How old is your card?

[CAPS ESC]

This is the largest debt out of 14 for the wife and me.
We were with Payplan until 2010, then Kensington DMC until October 2012, have not paid anyone since (except kensington - to make excuses for us)


Halifax Credit Card

Date commenced May 1996

Approx balance £15,700

Date last paid full amount 2007

was on arrangement, not paid since 2012

Status DEFAULT 2007 ( i don't have a copy)

Account owner -marlin/cabot

Dec'12 I sent CCA request

Jan'13 I received T&Cs : niddy says

Jan I sent 'Terms & Conditions Received' template
Jan I received credit card application copy (they posted this before they received T&C template)
CCA has been emailed to Niddy
Feb' I received PPI claimback application (in response to my complaint)???? I will ignore for now.
Feb' I sent 'Missing PT' template,
Feb' I received PPI claimback response( even tho i made no such claim) it says "no ppi with this card"
March I received from Halifax cc 'transfer notice' to moocroft.
March I received from Moorcroft 'contact us in 7 days or else'
Mar' I re-sent 'Missing PT' template to HALIFAX
Mar' I sent 'IN DISPUTE' template to Moorcroft
April I received from Moorcroft 'DISCOUNT OFFER'
April I received from Moorcroft 'asking halifax about the DISPUTE'
July I received from moorcroft ' Halifax have fully responded (and refer to a letter from Halifax in March that I NEVER received) therefore debt still owed.
July I received from moorcroft ' to prevent possible further debt recovery action-etc.
Dec'2013 account sold to Merlin please contact within 5 days.
CCA request sent to marlin
Dec'2013 Marlin acknowedge and say will forward (they NEVER HAVE from what i can tell)
Jan'15 statement for last 6 months.
Feb'15 We have changed our name letter, now C a bot Financial.
Sept'17 begging letter from C a bot
Oct'17 begging letter from C a bot
Nov'17 another.
Jan'18 another
Jan'18 last 18 months statements (3)
Feb'18 threat o gram. contact us within 28 days from C a bot.
SAR to Halifax
We need your Signature for SAR from BoS
No signature required sent to BoS
threat o gram. contact us within 14 days from C a bot.
Mar'18 We need your Signature for SAR from BoS (no mention of my last letter)
Mar'18 SAR to Marlin