Smallpaws UE Diary

[Smallpaws]

Re: Smallpaws UE Diary

Should I scan this original letter so you both can have sight of it, and do you need the Mortimer one too?
Thanks. Smallpaws.

[Never-In-Doubt]

Re: Smallpaws UE Diary

Don't need anything. It's only a threat. A bark. Let them bark....

I said IF they issue a claim then you utilise the confirmed UE status as a defence. Don't give it up now - it's too soon and they could remedy the error then issue a claim. Keep quiet for now.

Remember - Cabot were the ones who less than 2 years ago said it was UE. Has that changed? No. So imagine how stupid they'll look in court if they go ahead and try to pursue this. Try not to worry.

Let me ask Jo what she thinks to this. She may say send back a letter - I'll come back to you.

[Smallpaws]

Re: Smallpaws UE Diary

3rd May - I was driving and missed a phone call.

When I checked the number back it was Mortimer Clarke. I'm quite sure they didn't have anything to say that I wanted to hear but I've added the number into my phone now so I don't speak to them accidentally.

They also called my landline but shame - I missed that one too.

I'll keep quiet and await their next letter

[nanna58]

Re: Smallpaws UE Diary

Ahhh they only want a friend x

[Smallpaws]

Re: Smallpaws UE Diary

[It seems they want a party too - I received a County Court claim letter yesterday! ]Ahhh they only want a friend x

[cymruambyth]

Re: Smallpaws UE Diary

Send the front page of the claim form to Niddy and help/ your options will be explained. You need to start a thread here http://forums.all-about-debt.co.uk/f...Legal-Services
Good luck

[Smallpaws]

Re: Smallpaws UE Diary

Original creditor M & S Personal loan

• Type of account Credit Card
• Date commenced 30/04/2003
• Approx balance £7961.78
• Date last paid 27/10/14
• Are you on arrangement or not paying DMP with Step Change
• Status added to DMP 19/07/2007

30/01/13 - Sold to Arrow Global

31/05/14 - Letter sent advising of Hubby's condition and change of payment
No response as yet

02/12/14 - CCA letter sent

09/12/14 - Reply from them returning PO

”We acknowledge your request for documentation pursuant to the CCA a974.
We will process your request for documentation from the originating creditor and will revert in due course.

All collection activity will be suspended pending provision of the documentation.”

04/02/15 - Copy of agreement received balance now £7957.78
They say they are going to outsource the debt to a third party specialist and will accept payments in the meantime should I wish to make them.

The amount which will become payable comprise interest and costs, depending on what enforcement action is taken against hubby.

5th June 2017
Letter received today from NCO Resolve dated 1st June stating as that Arrow Global has passed this debt to NCO and is in the hands of the Resolve department which is a specialist programme to manage accounts where customers have appointed a third party representative to deal with their finances or in financial difficulty.

They have asked hubby to contact them to discuss options.

As I have a copy of the agreement dated 01/05/03 and Niddy thinks this may be enforceable - is it worth sending a copy of Elsa's letter requesting them to consider a write off?

NCO had control of Hubby's Amex account and they closed that one.
Smallpaws

[Smallpaws]

Re: Smallpaws UE Diary

Original creditor Faith Card

• Type of account Credit Card
• Date commenced
• Approx balance £250.49
• Date last paid 27/10/14
• Are you on arrangement or not paying DMP with Step Change
• Status added to DMP 19/07/2007

Sold to Moorcroft 2008 - can't find date yet

31/05/14 - letter sent advising of Hubby's condition and change of payment
No response as yet

02/12/14 - CCA letter sent

09/12/14 - response from Moorcroft - they have requested paperwork from Faith and have suspended all collection activity on my account at this time.

16/06/16 - Letter received today from Cabot -
'Thank you for paying in the past, we appreciate you tried to pay your account. You still have a balance of £372 that needs to be paid. We would like to help you set up a repayment plan that will see you being free of this balance'.

I have had no paperwork which tells me this account has now been transferred to Cabot until the above and have not paid anything since Feb. Moorcroft did not find papers in response to my CCA request..

04/07/16 – Letter from Cabot – You need to call us to make a new plan for your account. If you let us know your budget we can help you work out a plan that suits your current situation…..

21/07/16 – Letter from Cabot – We understand you may have other priorities to deal with but we can help you figure out how much money you have to begin paying off your account……

I have had numerous calls to my landline – daily in fact but as I don’t answer them it is unclear if this relates directly to this account or to the RBoS one which Cabot also hold.

16th April 2017
Letter received from Cabot stating

"As we have been unsuccessful in finding an appropriate solution, we are considering sending your acccount to an external debt collection company and urge you to contact us within the next 14 days."

This has passed, no further letters from them as yet they haven't had a CCA request nor a SWID. (This was previously owned by Moorcroft who couldn't get the original paperwork).

What is my best course of action?

Cabot have taken a larger separste account to court - don't want this one to follow suit.
Smallpaws.

[cymruambyth]

Re: Smallpaws UE Diary

Original creditor M & S Personal loan

• Type of account Credit Card
• Date commenced 30/04/2003
• Approx balance £7961.78
• Date last paid 27/10/14
• Are you on arrangement or not paying DMP with Step Change
• Status added to DMP 19/07/2007

30/01/13 - Sold to Arrow Global

31/05/14 - Letter sent advising of Hubby's condition and change of payment
No response as yet

02/12/14 - CCA letter sent

09/12/14 - Reply from them returning PO

”We acknowledge your request for documentation pursuant to the CCA a974.
We will process your request for documentation from the originating creditor and will revert in due course.

All collection activity will be suspended pending provision of the documentation.”

04/02/15 - Copy of agreement received balance now £7957.78
They say they are going to outsource the debt to a third party specialist and will accept payments in the meantime should I wish to make them.

The amount which will become payable comprise interest and costs, depending on what enforcement action is taken against hubby.

5th June 2017
Letter received today from NCO Resolve dated 1st June stating as that Arrow Global has passed this debt to NCO and is in the hands of the Resolve department which is a specialist programme to manage accounts where customers have appointed a third party representative to deal with their finances or in financial difficulty.

They have asked hubby to contact them to discuss options.

As I have a copy of the agreement dated 01/05/03 and Niddy thinks this may be enforceable - is it worth sending a copy of Elsa's letter requesting them to consider a write off?

NCO had control of Hubby's Amex account and they closed that one.
Smallpaws

Yes, I would send a copy of Elsa's letter

[cymruambyth]

Re: Smallpaws UE Diary

Original creditor Faith Card

• Type of account Credit Card
• Date commenced
• Approx balance £250.49
• Date last paid 27/10/14
• Are you on arrangement or not paying DMP with Step Change
• Status added to DMP 19/07/2007

Sold to Moorcroft 2008 - can't find date yet

31/05/14 - letter sent advising of Hubby's condition and change of payment
No response as yet

02/12/14 - CCA letter sent

09/12/14 - response from Moorcroft - they have requested paperwork from Faith and have suspended all collection activity on my account at this time.

16/06/16 - Letter received today from Cabot -
'Thank you for paying in the past, we appreciate you tried to pay your account. You still have a balance of £372 that needs to be paid. We would like to help you set up a repayment plan that will see you being free of this balance'.

I have had no paperwork which tells me this account has now been transferred to Cabot until the above and have not paid anything since Feb. Moorcroft did not find papers in response to my CCA request..

04/07/16 – Letter from Cabot – You need to call us to make a new plan for your account. If you let us know your budget we can help you work out a plan that suits your current situation…..

21/07/16 – Letter from Cabot – We understand you may have other priorities to deal with but we can help you figure out how much money you have to begin paying off your account……

I have had numerous calls to my landline – daily in fact but as I don’t answer them it is unclear if this relates directly to this account or to the RBoS one which Cabot also hold.

16th April 2017
Letter received from Cabot stating

"As we have been unsuccessful in finding an appropriate solution, we are considering sending your acccount to an external debt collection company and urge you to contact us within the next 14 days."

This has passed, no further letters from them as yet they haven't had a CCA request nor a SWID. (This was previously owned by Moorcroft who couldn't get the original paperwork).

What is my best course of action?

Cabot have taken a larger separste account to court - don't want this one to follow suit.
Smallpaws.

I would probably send a CCA request; its highly unlikely that they will discover one!

[alfie]

Re: Smallpaws UE Diary

I didn't think moorcroft buy debts, so it probably wasn't sold to them as you say.
Cabot may have bought it as they do buy accounts, and you should have had a notice of sale assignment from them and Faith regarding that. Otherwise, a notice of collection on behalf of Faith if it is still owned by faith. It probably has been bought by cabot.
Maybe now do an agreement request to cabot and see how they respond to that?

[Smallpaws]

Re: Smallpaws UE Diary

I sent a CCA request to Cabot on 8th June only to have a letter from them dated 6th June whereby they are transferring the management of the debt to Robinson Way. THe two have crossed in the post.
Robinson Way's letter was in the same envelope asking me to make contact with them to agree and affordable and sustainable repayment plan.
Should they now receive a CCA or would a SWID be better?
Smallpaws.

I would probably send a CCA request; its highly unlikely that they will discover one![/QUOTE]

[cymruambyth]

Re: Smallpaws UE Diary

I would wait a few days to see if Cabot reply to your request.

[Smallpaws]

27/07/17 - Letter from Westcot
Our records indicate that Stepchangge Debt Charity was until recently acting on your behalf in relation to this account but that they no longer are.
If you have not already done so you should contact us urgently so we can agree how best to proceed.
As we have not been advised of any new representatives we are requesting that you contact us directly so that we can discuss your current situation.

When you contact us we will work with you to identify the opions available including the option to repay the balance by istallments...

I currently pay this directly to Westcot £1.00 per month (which was the amount I paid through Stepchange

Re: Smallpaws UE Diary

Hi

Have listed everything we owe but can't find all the dates yet where debts passed from one company to another. Doesn't make for good bedtime reading but at least it's done.Smallpaws.

Re: Smallpaws UE Diary

Hi

Have listed everything we owe but can't find all the dates yet where debts passed from one company to another. Doesn't make for good bedtime reading but at least it's done.Smallpaws.

[Smallpaws]

01/01/18 - Joanna Connolly has forced Reston's to dismiss their claim against me with each party bearing their own costs. This means that after a one off fee they cannot reopen this again so worth every penny.
This came through just before Christmas and was an unexpected but fantastic surprise.
Many thanks to Jo for her skill, persistence and an amazing result.
Wishing everyone a Happy New Year and success with your own battles. Smallpaws,x