StressHead's UE Diary

[StressHead]

Re: BARCLAYCARD Credit Card

BARCLAYCARD - UNFORCEABLE AT PRESENT
Date commenced: June 2000
Approx balance: £7,495.70 (updated 01/08/11)
Date last paid in full: ?
Other info: Partial payment paid by DMP, last one in Feb 2011. No payments being made now.
Status: No default issued. Barclaycard doesn’t even show on Credit Expert. Apex Credit Management is showing the account as Satisfactory.
Account Owner: Was sold to Apex Credit Management in Jan 2011.

13 MAY 2010: Letter from DMP Company to Barclaycard requesting CCA. No response received.
21 JAN 2011: Letter to me from Barclaycard saying that they have sold the debt to Apex Credit Management. It says ‘this letter is formal notice of the assignment of the debt and the closure of your account with Barclaycard’.
21 JAN 2011: Letter from Apex saying that they have bought to debt from Barclaycard.
9 FEB 2011: First letter requesting CCA sent to Apex.
14 FEB 2011: Letter from Apex saying that they have requested the CCA from Barclaycard.
1 MARCH 2011: End of 14 working days and no further response.
25 MARCH 2011: Letter from Apex stating that CCA and T's&C's are enclosed. Still waiting for SOA, will be sent as soon as received.
4 APRIL 2011: Niddy says as only terms were sent and no agreement.
4 APRIL 2011: CCA Query - T's&C's Supplied letter sent to Apex.
1 JUNE 2011: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. Niddy says to ignore.
1 AUGUST 2011: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. Have been receiving 1-3 calls a day from APEX for the last couple of weeks.
1 SEPT 2011: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
3 NOV 2011: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
1 JAN 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
1 FEB 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
3 MAR 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
1 SEPT 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
9 SEPT 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
1 OCT 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
23 OCT 2012: Letter from Apex for 'Notice of Sums in Arrears'.
23 NOV 2012: Letter from Apex for 'Notice of Sums in Arrears'.
21 DEC 2012: Letter from Apex 'Default Notice served in accordance with Section 87 (1) of the CCA 1974'. Advised to ignore.
16 JAN 2013: Letter from Apex 'Your agreement is terminated'.
2 APR 2013: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month.
07 MAY 2015: Haven't heard from these guys since. This is still showing on my Credit Report and is showing as 'Account is 'default' - credit agreement has ended' and was last updated on 03/05/15.

Is there anything I should be doing with this?

[josefk]

Re: StressHead's UE Diary

Obviously up to you but unless it is actually causing you a problem don't kick a sleeping dog. Is this one also not SB until 2017?

[Pixie]

Re: StressHead's UE Diary

A company called Grass Roots - they ended up being investigated. Have you heard of them?

I haven't personally. I was just asking because StepChange, although it's a charity, is funded by the banks.

Should I not have updated my address? I'm starting to worry again now!
Also, is it ok for me to update my surname with Experian to my married one?

Please don't start worrying...it doesn't do any good x

[PlanB]

Re: StressHead's UE Diary

Should I not have updated my address? I'm starting to worry again now!
Also, is it ok for me to update my surname with Experian to my married one?

I wouldn't worry too much about your address update. If all of your defaults have dropped off your CRA file this means that when you make any new credit application that business won't see your past history.

I presume that the 'old creditors' can still access your CRA file so they will be able to see your new address even if they're not reporting a particular debt.

Personally, I would prefer creditors to know where I am so I can fight them head-on if I have to, which is better than trying to get a CCJ set-aside where it was obtained at an old address when I knew the creditor hadn't been given my new whereabouts. A set-aside under those circumstances would fail.

Is there a reason why you want to update your married name on your credit file?

[SaltnVinegar]

Re: StressHead's UE Diary

Hi Stresshead

Any updates? Hows things with Barclaycard and Apex? Hopefully they've 'lost' your account

Best
SnV

[StressHead]

Re: BARCLAYCARD Credit Card

Please see update below - I can't believe they've contacted me after all this time. I'm due a baby in a week and really can't deal with all of this at the moment.
I've not replied or answered any calls.
Should I do anything about this??



BARCLAYCARD - UNFORCEABLE AT PRESENT
Date commenced: June 2000
Approx balance: £7,495.70 (updated 01/08/11)
Date last paid in full: ?
Other info: Partial payment paid by DMP, last one in Feb 2011. No payments being made now.
Status: No default issued. Barclaycard doesn’t even show on Credit Expert. Apex Credit Management is showing the account as Satisfactory.
Account Owner: Was sold to Apex Credit Management in Jan 2011.

13 MAY 2010: Letter from DMP Company to Barclaycard requesting CCA. No response received.
21 JAN 2011: Letter to me from Barclaycard saying that they have sold the debt to Apex Credit Management. It says ‘this letter is formal notice of the assignment of the debt and the closure of your account with Barclaycard’.
21 JAN 2011: Letter from Apex saying that they have bought to debt from Barclaycard.
9 FEB 2011: First letter requesting CCA sent to Apex.
14 FEB 2011: Letter from Apex saying that they have requested the CCA from Barclaycard.
1 MARCH 2011: End of 14 working days and no further response.
25 MARCH 2011: Letter from Apex stating that CCA and T's&C's are enclosed. Still waiting for SOA, will be sent as soon as received.
4 APRIL 2011: Niddy says as only terms were sent and no agreement.
4 APRIL 2011: CCA Query - T's&C's Supplied letter sent to Apex.
1 JUNE 2011: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. Niddy says to ignore.
1 AUGUST 2011: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. Have been receiving 1-3 calls a day from APEX for the last couple of weeks.
1 SEPT 2011: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
3 NOV 2011: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
1 JAN 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
1 FEB 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
3 MAR 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
1 SEPT 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
9 SEPT 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
1 OCT 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
23 OCT 2012: Letter from Apex for 'Notice of Sums in Arrears'.
23 NOV 2012: Letter from Apex for 'Notice of Sums in Arrears'.
21 DEC 2012: Letter from Apex 'Default Notice served in accordance with Section 87 (1) of the CCA 1974'. Advised to ignore.
16 JAN 2013: Letter from Apex 'Your agreement is terminated'.
2 APR 2013: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month.
07 MAY 2015: Haven't heard from these guys since. This is still showing on my Credit Report and is showing as 'Account is 'default' - credit agreement has ended' and was last updated on 03/05/15.
30 NOV 2015: Letter from Cabot Financial saying that they now own this debt and want regular payments.[/QUOTE]

[PlanB]

Re: BARCLAYCARD Credit Card

Please see update below - I can't believe they've contacted me after all this time. I'm due a baby in a week and really can't deal with all of this at the moment.
I've not replied or answered any calls.
Should I do anything about this?

BARCLAYCARD - UNFORCEABLE AT PRESENT
Date commenced: June 2000
Approx balance: £7,495.70 (updated 01/08/11)
4 APRIL 2011: Niddy says as only terms were sent and no agreement.
30 NOV 2015: Letter from Cabot Financial saying that they now own this debt and want regular payments.

First and foremost congratulations on your baby due next week

These are the things in life which really matter.

Let us take a moment to read back through your post but from what you say there is no threat in the letter you've just received from Cabot.

You also have a CCA which is UE.

Plan B x

# motherhood rocks

[StressHead]

Re: MINT Credit Card

Hello lovely people - Should I still just ignore this lot?


MINT/RBS - ENFORCEABLE
Date commenced: July 2005
Approx balance: £1,552.93
Date last paid in full: ?
Other info: Partial payment paid by DMP, last one in Feb 2011. No payments being made now.
Status: Defaulted Nov 2008. No Default Notice received.
Account Owner: Letters to me were from Wescot. Account is now with Cabot Financial (UK) Ltd.

12 MAY 2010: Letter from DMP Company to Royal Bank of Scotland (MINT) requesting CCA.
3 JUNE 2010: CCA received from MINT to DMP Company.
9 FEB 2011: First letter requesting CCA sent to Wescot.
14 FEB 2011: Letter from Wescot saying that I need to request CCA from RBS.
17 FEB 2011: First letter requesting CCA sent to RBS.
9 MARCH 2011: End of 14 working days and no further response.
8 MARCH 2011: Dated 08.03.11 but received 12.03.11. CCA received from MINT.
1 APRIL 2011: Copy of CCA sent to Niddy.
4 APRIL 2011: Niddy has confirmed that this is . I'm going to try and blag it for a while though.
4 APRIL 2011: CCA Query - Missing Prescribed Terms letter sent to RBS.
07 APRIL 2011: Scribbled note from RBS on a compliments slip saying 'Please provide your clients 16 digit credit card number, we will then deal with accordingly. Many thanks'. I did quote their reference number on my letter but they've returned my letter to me along with the scribbled note with 'unable to trace' written on the top of the letter.
06 MAY 2011: Letter from Moorcroft 'We are agents of MINT (formerly RBS Advanta). Their records show account has balance of £1552.93. They have asked us to contact account holder to discuss the account and we were provided this address by a credit reference agency that supply us with address links based on information held. Please contact us to confirm the position and so we can make the appropiate (this is actually how they've spelt it! DUH!!) arrangements'.
26 MAY 2011: Letter from Moorcroft 'Possible Litigation'. Total debt if judgment is obtained... blah blah blah.
13 JUNE 2011: Letter from Moorcroft with Monthly Instalment Offer of £100. As we have not received any communication from you with regards to your outstanding account, we feel that you may not be in a position to meet our requests to clear the account in full. In order to stop our recommending to our clients that solicitors commence legal proceedings we are prepared to accept payments of £100 a month. Niddy says to ignore for now as they'll be a settlement offer to follow.
27 JUNE 2011: Letter from Midas Credit Services 'Litigation Warning'. We are part of the Moorcroft Group blah blah blah
7 JULY 2011: Threat by Creditor To Commence Litigation Letter sent to Moorcroft.
11 JULY 2011: Letter from Moorcroft '...passed to our Home Collections Division for action.... discounted settlement figure.... A reduction of up to 25%... greater discounts may be available to you and can vary dependant on circumstances... paying the agreed settlement figure over a 3 month period. This offer is available for 7 days'.
14 JULY 2011: Niddy advised to call and offer a maximum F&F of £500. I only went to £450 as the man was being an arse. He said no, offered 25% discount initially but extended it to 35%. I said that it was £450 or £1/month for 125 years. He asked me to send him my SOA and he has made a note of my offer. I've been advised to ignore this request.
11 JULY 2011: Letter from Moorcroft 'Thank you for your recent communication... please request a copy of the CCA along with £1 fee. If you're unhappy with the info provided please contact us by return'. Niddy says ignore.
31 AUG 2011: Letter from Moorcroft saying that they can offer me a 'substantial discount from the outstanding balance. If you are able to pay an acceptable lump sum within the next 14 days we will not pursue the remaining balance of the debt.
5 SEPT 2011: After seeking advice from Niddy, I've called Moorcroft and offered them a F&F of £450. They've said that their best offer remains at £1164.69 unless I can complete a SOA with them over the phone in which case they can go back to their client and ask them for their minimum figure. I said no (because Niddy advised me to) and asked them to send the offer in writing.
5 SEPT 2011: Letter from Moorcroft with their offer in writing.
17 NOV 2011: Letter from Regal Credit Consultants '...instructed by our client to request the immediate settlement of the above liability.... outstanding amount in full...'
1 DEC 2011: Full & Final Payment Offer Letter of £450 sent to Regal.
5 DEC 2011: Letter from Regal Credit Consultants '...as we haven't been notified of any reason for non-payment we request that the account be settled in full...'.
9 DEC 2011: Letter from Regal Credit Consultants 'We are prepared to accept a F&F of £1170 to clear your liability of the above outstanding liability on the condition this is received by 30/12/11. The entry for the account will appear as 'Partially Satisfied'...'. Niddy advises to leave this and see what they send next.
9 JAN 2012: Letter from Regal Credit Consultants 'Your account has been passed to this team in view of the above amount remaining overdue... we shall be making a recommendation to our client that legal action is commenced in 7 days without further notice. The account may be escalated for one of the two following actions to take place - Issue a claim form through County Court - will be passed to our Field Collectors'.
23 JAN 2012: Full & Final Payment Offer Letter of £450 sent to Regal again.
26 JAN 2012: Letter from Regal Credit Consultants '...in receipt of your settlement offer, however in order for us to submit the offer to our client we require further details of your financial situation. Please find enclosed a financial analysis form which needs to be completed and returned...'.
30 JAN 2012: Letter from ScotCall - Doorstep Collection Notice.
12 MAR 2012: Letter from ScotCall - Pre-Visit Notice.
16 MAR 2012: Harassment & Threat of Doorstep Visit Letter sent to ScotCall.
20 MAR 2012: Letter from ScotCall - Revoke Licence Letter (I write in response to your recent correspondence. The case you have referred to is not applicable to your circumstances. As part of the credit agreement that you signed and entered into, you agreed to repay the full outstanding balance and that where necessary, the creditor could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection. Therefore the license you state that has been revoked is irrelevant, which for the avoidance of doubt we do not agree to, is not binding on us as it does not fulfill the relevant principles of contract law. We are entitled by law and under contract to recover monies outstanding and we are allowed to take reasonable steps in accordance with regulatory guidance to recover such monies).
05 APRIL 2012: Letter from ScotCall 'Despite being offered numerous opportunities to resolve this matter we note that no proposal for the repayment of this debt has been received. blah blah blah'.
26 APRIL 2012: Account closed with ScotCall and passed back to RBS.
19 NOV 2014: Removed from Credit Report!
27 MAY 2016: Letter from RBS, 'Your account has been sold to Cabot Financial (UK) Ltd.'.
27 MAY 2016: Letter from Cabot Financial (UK) Ltd., 'We have bought your account'.
08 JUNE 2016: Letter from Cabot Financial (UK) Ltd., 'Your balance is still oustanding'.
18 JULY 2016: Letter from Cabot Financial (UK) Ltd., 'We have previously explained that there are several options available and want to help you find the most suitable solution'.
18 AUG 2016: Letter from Cabot Financial (UK) Ltd., 'We are prepared to reduce the balance in order to help you become free of this debt...'.
17 SEPT 2016: Letter from Cabot Financial (UK) Ltd., 'We have been unable to gain your commitment to repay your debt'.
21 SEPT 2016: Letter from Cabot Financial (UK) Ltd., Statement of Account
17 OCT 2016: Letter from Cabot Financial (UK) Ltd., 'Please contact us as soon as possible'.
16 NOV 2016: Letter from Cabot Financial (UK) Ltd., 'Give our payment plans a try'.
29 JAN 2017: Letter from Cabot Financial (UK) Ltd., 'Take positive steps to repaying'.
24 FEB 2017: Letter from Cabot Financial (UK) Ltd., 'We'd like to help you clear your account'.
27 MAR 2017: Letter from Cabot Financial (UK) Ltd., 'Start on your journey to repaying this account. Fill out a budget form'.[/QUOTE]

[StressHead]

Re: EGG Loan

Do I still ignore these too?


EGG2 (Loan) - ENFORCEABLE
Date commenced: Sept 2006
Approx balance: £22,902
Date last paid in full: ?
Other info: Partial payment paid by DMP, last one in Feb 2011. No payments being made now.
Status: Defaulted Oct 2008. No Default Notice received.
Account Owner: Aktiv Kapital.

02 NOV 2010: Letter from Aktiv to me offering settlement figure of £5813.33.
22 NOV 2010: CCA received from EGG to DMP Company.
9 FEB 2011: First letter requesting CCA sent to Aktiv Kapital.
11 FEB 2011: CCA received from Aktiv Kapital.
6 MAR 2011: Copy of CCA sent to Niddy.
7 MAR 2011: Niddy's confirmed as under s.18. He has also advised me to reclaim the £8K of PPI which I was told I 'had to take out otherwise couldn't have the loan'. Have posted a thread in the Reclaiming section of forum.
8 MAR 2011: CCA Query - Missing Prescribed Terms Letter sent to Aktiv Kapital.
8 MAR 2011: SAR Request Letter sent to EGG.
14 MAR 2011: Letter from Aktiv acknowledging receipt of my letter.
16 MAR 2011: Letter from Aktiv stating that copy agreement previously sent represents legally binding contract therefore they have complied with CC Act 1974. As is readily apparent, this transaction was undertaken online and placing a tick in a box represents your signature. This is clearly stated in the form which is recognised by the OFT. Contrary to your assertions, this agreement is not unenforceable but in any event this would be a matter for the Courts to determine. For our part, proceedings are not contemplated since we are receiving payments from you via DMP Company. Haven't paid any monies to DMP for 2 months. Aktiv didn't send me my SAR or return my £10?
17 MAR 2011: Letter from EGG. Thank you for your recent request for a copy of phone calls/call transcripts. Please provide us with approximate dates, times and the nature of the calls. As part of the SAR, we will provide a copy of account notes which include call contact information.
23 MAR 2011: Letter from EGG. Thank you for recent request for an executed copy of a CA for XXXXXX with Egg Banking. We do not seem to have received the statutory fee of £1 from you for this request. Please send a cheque etc. I received the CCA on 11/02/11.
1 APRIL 2011: Letter to EGG responding to their letter from 17/03/11. Requesting hard copies of my full file. Will request transcripts in due course. Was advised by Niddy to check that PO had been cashed. Was cashed on 21/03/11.
MAY 2011: Received full file from EGG. Niddy says not to claim PPI back unless loan is deemed enforceable.
21 JUNE 2011: Phone call from Aktiv saying that I haven't replied to their letter from 16/03/11. I told them to put all correspondence in writing and to not call me.
22 JUNE 2011: Phone call from Aktiv saying that I haven't replied to their letter from 16/03/11. I told her that someone called me yesterday and I've asked for all correspondence to be made in writing. She asked me if I'd received the letter and I said no because I was put on the spot however after referring to my write up, I can see that I did get the letter. I told her that I didn't wish to receive any more phone calls from Aktiv as they're harassing me (I've had about 15 missed calls over the past week).
30 JUNE 2011: Letter from Aktiv with a copy of their letter from 16/03/11. Advised to ignore.
2 SEPT 2011: Letter from Aktiv with a 'new deal' of £16438.73, they pay £8851.63. Still ignoring but interestingly the outstanding balance has crept up to £25290.36!
27 OCT 2011: Letter from Aktiv with a 'new deal' of £14739.49, they pay £10894.41. Still ignoring. The outstanding balance has now crept up to £25633.90!
30 DEC 2011: Letter from Aktiv with a 'new deal' of £16885.34, they pay £9092.10. Still ignoring. The outstanding balance has now crept up to £25977.44!
19 JAN 2012: Letter from Aktiv with a 'new deal' of £15035.80, they pay £11113.41. Still ignoring. The outstanding balance has now crept up to £26149.21!
30 JAN 2012: Letter from Aktiv with a 'new deal' of £16996.99, they pay £9152.22. Still ignoring. The outstanding balance has now crept up to £26149.21!
8 FEB 2012: Voicemail from Aktiv.
9 FEB 2012: Voicemail from Aktiv.
17 FEB 2012: Letter from Aktiv with a 'new deal' of £15134.56, they pay £11,186.42. Still ignoring. The outstanding balance has now crept up to £26320.98
W/C 20 FEB 2012: Voicemails from Aktiv plus they've caught me a couple of times on the phone but I've hung up once they've told me who they are!
29 AUG 2012: Letter from Aktiv 'I refer to recent communications concerning the above account. Please find enclosed a copy of the Original Credit Agreement pertaining to the account. Please contact us within the next 14 days in order for us to discuss the matter further'. The outstanding balance has now crept up to £27297.94. Niddy has advised that due to other cases which have now taken a president, this debt is now enforceable. Advised to play the game for a while longer so sending the letter below.
10 OCT 2012: CCA Query - Missing Prescribed Terms Letter sent to Aktiv Kapital.
25 OCT 2012: Letter from Aktiv in response to my previous letter essentially saying that they've provided me with everything I've requested and the debt is enforceable.
2 JAN 2013: Final Response - Unenforceable (CCA Received) letter sent to Aktiv Kapital.
27 OCT 2014: Removed from Credit Report!
28 FEB 2017:Letter from PRA Group - Statement of account. Total is £22,807.95, single payment offer in full and final settlement of your account. Should you make the discounted settlement payment of £2,280.80; your credit file will be updated to show as 'partially settled'. In order for your credit reference file to be marked as 'satisfied', the full outstanding balance must be cleared.[/QUOTE]

[StressHead]

Re: BARCLAYCARD Credit Card

The letter from Fidelite makes me really nervous?
I don't want people turning up on my doorstep.
What do I do from here?
Thank you so much.


BARCLAYCARD - UNFORCEABLE AT PRESENT
Date commenced: June 2000
Approx balance: £7,495.70 (updated 01/08/11)
Date last paid in full: ?
Other info: Partial payment paid by DMP, last one in Feb 2011. No payments being made now.
Status: No default issued. Barclaycard doesn’t even show on Credit Expert. Apex Credit Management is showing the account as Satisfactory.
Account Owner: Was sold to Apex Credit Management in Jan 2011.

13 MAY 2010: Letter from DMP Company to Barclaycard requesting CCA. No response received.
21 JAN 2011: Letter to me from Barclaycard saying that they have sold the debt to Apex Credit Management. It says ‘this letter is formal notice of the assignment of the debt and the closure of your account with Barclaycard’.
21 JAN 2011: Letter from Apex saying that they have bought to debt from Barclaycard.
9 FEB 2011: First letter requesting CCA sent to Apex.
14 FEB 2011: Letter from Apex saying that they have requested the CCA from Barclaycard.
1 MARCH 2011: End of 14 working days and no further response.
25 MARCH 2011: Letter from Apex stating that CCA and T's&C's are enclosed. Still waiting for SOA, will be sent as soon as received.
4 APRIL 2011: Niddy says as only terms were sent and no agreement.
4 APRIL 2011: CCA Query - T's&C's Supplied letter sent to Apex.
1 JUNE 2011: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. Niddy says to ignore.
1 AUGUST 2011: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. Have been receiving 1-3 calls a day from APEX for the last couple of weeks.
1 SEPT 2011: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
3 NOV 2011: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
1 JAN 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
1 FEB 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
3 MAR 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
1 SEPT 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
9 SEPT 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
1 OCT 2012: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month. No calls recently.
23 OCT 2012: Letter from Apex for 'Notice of Sums in Arrears'.
23 NOV 2012: Letter from Apex for 'Notice of Sums in Arrears'.
21 DEC 2012: Letter from Apex 'Default Notice served in accordance with Section 87 (1) of the CCA 1974'. Advised to ignore.
16 JAN 2013: Letter from Apex 'Your agreement is terminated'.
2 APR 2013: Letter from Apex saying that they haven't received any minimum payments from me and they want me to pay them £29.30/month.
07 MAY 2015: Haven't heard from these guys since. This is still showing on my Credit Report and is showing as 'Account is 'default' - credit agreement has ended' and was last updated on 03/05/15.
31 OCT 2015: Letter from Cabot Financial, 'We have been trying to contact you'.
30 NOV 2015: Letter from Cabot Financial saying that they now own this debt and want regular payments.
30 DEC 2015: Letter from Cabot Financial, 'We have not heard from you'.
29 JAN 2016: Letter from Cabot Financial, 'Your next steps'.
28 FEB 2016: Letter from Cabot Financial, 'A new approach'.
19 MAR 2016: Letter from Cabot Financial, 'How can we help'.
18 APR 2016: Letter from Cabot Financial, 'We are considering sending your account to an external debt collection agency'.
18 MAY 2016: Letter from Cabot Financial, 'We need to transfer your account to an external debt collection company in seven days'.
20 JULY 2016: Letter from Cabot Financial, 'We own your account and are prepared to reduce the balance in order to help you become free of this debt sooner'.
19 AUG 2016: Letter from Cabot Financial, 'Improve your credit file by repaying this debt'.
19 SEPT 2016: Letter from Cabot Financial, 'Improve your credit file by repaying your account'.
07 OCT 2016: Letter from Cabot Financial, 'Take steps to repairing your credit file'.
07 JAN 2017: Letter from Cabot Financial, 'You need to make a new plan'.
24 JAN 2017: Letter from Cabot Financial, 'Working within your budget'.
18 FEB 2017: Letter from Cabot Financial, 'Tell us your budget, save £50'.
07 APR 2017: Letter from Fidelite Credit Management, 'We are acting on behalf of Cabot Financial and have been instructed by them to assist in collecting the outstanding balance on this account. Failure to contact us within 7 days will lead to a personal visit being made by one of our representatives to your home'.[/QUOTE]

[The Tech Clerk]

Re: StressHead's UE Diary

Note:- they are being asked to assist in the collection of the outstanding balance ( must be very heavy then oopppsss) = Fidelite = old Scotcall , if they did tell them to shut the gate on the way out or similar words (Polite of course),

[JLC]

Re: StressHead's UE Diary

Stick a note in your window saying "no cold callers". If they come, they will put an envelope through your door with a card in it. That's what happened to me.

[Roger]

Re: StressHead's UE Diary

07 APR 2017: Letter from Fidelite Credit Management, 'We are acting on behalf of Cabot Financial and have been instructed by them to assist in collecting the outstanding balance on this account. Failure to contact us within 7 days will lead to a personal visit being made by one of our representatives to your home'.[/QUOTE]

I should put mince pies and a carrot by the door and a notice.
Please keep the reindeer and sleigh off of the lawn!
Presents to be left in sack at door.

[The Tech Clerk]

Re: StressHead's UE Diary

put a sign on the door in RED "666"

[StressHead]

Re: StressHead's UE Diary

Ok, thank you so much - they can't force themselves in a take all my belongings then?


And what about Mint/RBS & Egg Loan? Just ignore them?