Sorry Di
Yes, I have had a steady stream of begging letters, offers, texts, calls to my mobile, all ignored by me. I haven't felt there was anything worth updating.
I shall now update ASAP.
Announcement
Collapse
No announcement yet.
CAPS ESC UE Diary
Collapse
X
-
Originally posted by CAPS ESC View PostRe: CAPS ESC UE Diary
'notice of assignment' from Cabot Financial UK Ltd. I will wait for their next letter unless advised otherwise.
Notice of Assignment from Mint/RBS to Cabot Financial (UK) Ltd which is unlicensed by the FCA
Have you heard nothing more from them since your last post on this thread in June 2016?
Di
- 2 likes
Leave a comment:
-
Re: CAPS ESC UE Diary
Originally posted by CAPS ESC View PostMINT(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.
'notice of assignment' from Cabot Financial UK Ltd. I will wait for their next letter unless advised otherwise.
- 6 likes
Leave a comment:
-
Re: CAPS ESC UE Diary
Settle on "highly favourable terms"? They're offering you a discount of £3.47p .
I'd be tempted to send then £11 and tell to keep the change since they obviously need the money more than you
Leave a comment:
-
Re: CAPS ESC UE Diary
do you think they might send a postage paid envelope for me to accept their generous offer
this was originally £50ish but EE wiped the slate when I got the arbitrator involved. I think this might be charges that the DC has added.
I think that this process of template letter sending could be somewhat automated
Leave a comment:
-
Re: CAPS ESC UE Diary
Originally posted by CAPS ESC View PostHi IF, all
Everything is OK with me, Funny thing is though, i have just received a DCs letter that made me laugh. I will have post it up when I get round to scanning it.
Leave a comment:
-
Re: CAPS ESC UE Diary
Hi IF, all
Everything is OK with me, Funny thing is though, i have just received a DCs letter that made me laugh. I will have post it up when I get round to scanning it.
Leave a comment:
-
Re: CAPS ESC UE Diary
I'd send off another CCA to them just to make them aware you;re not going to role over, they prefer the roling over type of customer.
Leave a comment:
-
Re: CAPS ESC UE Diary
Originally posted by CAPS ESC View PostThis 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 2007
was on arrangement, not payed for 4 months
Status DEFAULT
Account owner - still with Halifax, but Nelson Guest & Partners on behalf of Wescott acting for Halifax have also contacted me Dec'2012
as from Dec 2013 owned by Merlin Euro.
Dec'12 I sent CCA request
Jan'13 I received T&Cs : niddy says not
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) = 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.
original cca request gave me an actual copy of page1 original application (drat)
so I presume another request will get me the same.
Question -do we blag UE with Merlin?
so will it be a new cca request or will it be ASID when they next contact me.
Leave a comment:
-
Re: CAPS ESC UE Diary
BOS Preference account
Date commenced Feb 1998
Approx balance £2,200
Date last paid 2011
was on arrangement, not paying now
Status DEFAULT
Account owner - still with BOS, but Wescott are now acting for them
Aug2013 I sent CCA request
Oct '13 CCA received, (no statement included, or received for over 2 years)
Oct '13 Introduction from 'wet-lott' received
CCA emailed to Niddy and uploaded in secure docs sectionLast edited by CAPS ESC; 27 October 2013, 10:43.
Leave a comment:
-
Re: CAPS ESC UE Diary
Thanks for the reply
I've been told to blag this one because everything looks in order,
I was thinking of using SAR when(if) the time came to negotiate payment and I wanted any charges removed (although I don't think there were any with this one)
I just need something to dispute with them to keep the DCs distracted. I can't see SAR producing anything other than irresponsible lending.
Leave a comment:
-
Re: CAPS ESC UE Diary
The problem with this type of response is that the agreement may be "executed" ie your signature, but it may be "improperly executed" ie no signature from creditor. The letter they sent is pretty vague.
With a recon, you have no way of knowing.
Try SAR see what that turns up. Best £10.00 I spent. Got a photocopy of my "improperly executed" agreement.
Leave a comment:
-
Re: CAPS ESC UE Diary
Originally posted by CAPS ESC View PostJust before i reply to scotcall, i noticed that i had not replied to MiNT's letter saying that they had complied.
Looking at it I just haven't got a clue what to send them.
Could somebody suggest something please.
letter attached.
Leave a comment:
Leave a comment: