CAPS ESC UE Diary

[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

[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]

Re: CAPS ESC UE Diary

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

[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

[Never-In-Doubt]

Re: CAPS ESC UE Diary

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

[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.

[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.

[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

I have heard from them Vint, but not about missing pt
I received 'transfer notice' to moocroft. dated 1st March
will wait to hear from moorcoft before sending 'in dispute' letter.


ps
I now have some time to start posting my other 'alleged debts'. Do I just add to this one or start a new thread.

[Deepie]

Re: CAPS ESC UE Diary

Just add to this one....This is your Diary.

[CAPS ESC]

Re: CAPS ESC UE Diary

Egg Credit Card (now Barclaycard)
Date commenced 2001
Approx balance £3,500
Default date 2007
was on arrangement, not paid for 6 months
Status DEFAULT
Account owner - still with Barclaycard

I sent CCA request Dec'12

I received T&Cs Jan'13: THEY SAY IT IS

Nelson Guest & Partners on behalf of Wescott threats, offers and pleas continue- just ignoring for now, EMPOWERED by my early success

March received 'sent back to barclaycard' from Wescott

[CAPS ESC]

Re: CAPS ESC UE Diary

Barclaycard
Date commenced 2003
Approx balance £2,000
was on arrangement, not paid for 6 months
Status DEFAULTsince 2011
Account owner LOWELL from March 2012

I sent CCA request Jan' 2013

5 X letters form Lowell saying waitng for CCA from Barclaycard,
last one says "We won't write again until we have CCA" dated Feb 2013

March, letter form Lowell saying Account is now closed

the party was a little OTT perhaps (about 5.5years premature)

March, blank cca recieved from Barclaycard, 'our obligation is fulfilled, you owe...'BLAH BLAH BLAH! I'll ignore.

[CAPS ESC]

Re: CAPS ESC UE Diary

MINT(RBS)
Date commenced 1998
Approx balance £8,500
was on arrangement, not payed for 6 months
Status DEFAULT since 2007
Account owner - still with RBS

I received account passed to Regal Credit dated Feb'2013

I sent CCA request Feb'

I received a 'contact us' letter from Regal dated Feb'

I sent 'In dispute' dated March

I received cca copies from mint dated February
CCA has been emailed to Niddy niddy says BLAG IT
I received a 'contact us' letter from Regal dated March'

I re-sent 'in dispute' template March
I sent missing PTs template to mint March

I received a 'phone us or we send in field agents' letter from Regal dated Apr
I received a 'we have complied' letter from MINT dated Apr
I received 2 letters from Regal dated April
I recieved doorstep threat from SCOTCALL dated May

I received 'notice of assignment' from Cabot Financial UK Ltd. 3rd June 2016.

monthly begging letters,July, Aug, Sept.
Sept'16 statement of account.
monthly begging letters, Oct'16 - Oct '17
Feb'17 text -call us
Nov'17 discount offer
Dec' 17 Xmas discount offer.(less than last offer)
Dec' 17 MINT Ring-fencing letter
Jan'18 text -call us
Feb'18 text -call us
Feb'18 text -call us
Feb'18 call to mobile- unanswered
January '18 we are instructing Resolvecall to scare you with a visit.

[CAPS ESC]

Re: CAPS ESC UE Diary

Re; my barclaycard/ lowell CCA request

letter form Lowell saying Account is now closed

that's 2 down, 2 still up( biggest), 2 not yet queried (smallest)

Keep up the good work everyone

ps. i've also just had a positive result with an OC for my Ma-In-Law , i'll post her diary when I get a spare week.

[CAPS ESC]

Re: CAPS ESC UE Diary

MINT(RBS)
Date commenced 1998
Approx balance £8,500
was on arrangement, not payed for 6 months
Status DEFAULT since 2007
Account owner - still with RBS

I received account passed to Regal Credit dated Feb'2013

I sent CCA request Feb'

I received a 'contact us' letter from Regal dated Feb'

I sent 'In dispute' dated March

I received cca copies from mint dated February
CCA has been emailed to Niddy niddy says BLAG IT

I received a 'contact us' letter from Regal dated March'

I re-sent 'in dispute' template March
I sent missing PTs template to mint March

I received a 'phone us or we send in field agents' letter from Regal dated Apr

I received a 'we have complied' letter from MINT dated Apr

I received 2 letters from Regal dated April

Update

I received 2 letters from Regal (i'll ignore for now unless told not to.