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Re: My Journey with DMP's CCA's and PPI's
letter received from Cabot. I might send a SWID. Even though it says above tha a SWID was sent, the SWID was for a different account that they are confused about!
Originally posted by JLC
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HSBC credit card
Requested CCA 1st Feb 16 - Response on 8th Feb 16 (date 4th Feb) saying they will get one withing 12 working days. Again letter signed for on the 2nd Feb 2016
22/2/16 - letter received dated 19/2/16 from Idem Servicing (though this is a Moorgate debt) relating to this account stating that they are unable to supply a copy of the credit agreement and acknowledge that until they do the agreement cannot be enforced
. However, the balance of the account is still outstanding and we will continue to persue this debt which will include registering any arrears and defaults with the CRAs. The balance on your account is £5092.21 remains due and payable and we will continue to contact you to discuss your repayment proposals. You are free to take whatever action you consider appropriate, but we will not be releasing you from any obligation under the agreement. Yours sincerely Ian Folley Case Handler/Conciliator
The above letter came from Idem, but this account is supposed to be managed by Moorgate. I think Ian has got himself a bit confused!
12/3/16 - letter received from Moorgate dated 9/3/16
There is currently no agreed payment arrangement in place for your account. Unless we are able to rectify this within the next seven days, your account will be reviewed for further action, which could result in either:
a) Your account being placed with our internal Recoveries Department, or
b) Your account being placed with an external debt collection agency for recovery activity.
We want to work with you to secure a long term, mutually acceptable payment arrangement, therefore please contact our office on blah blah blah
the letter goes on, but its just a load of crap
Letter dated 29th March 2016 received from Moorgate stating they have been instructed to make contact with me to agree a solution regarding 'my' outstanding balance.
4/5/16 - letter received from Moorgate dated 11 May 2016.
We recently wrote to you to advise that your account is being managed within our recoveries department and that it was important for you to make contact with our office. As yet we still have not been able to speak with you to discuss your circumstances and establish an ongoing arrangement for your account. This matter is now urgent. Please contact our office on 0800375797 and our experienced staff will be happy to discuss this with you. Blah blah blah
9/6/16 - letter received from Moorgate dated 6th June 2016
We are increasingly concerned that we have not been able to speak to you about your account.
We are keen to speak to you in order to understand your situation, so that we can place you on the most appropriate payment arrangement.
Failure to make contact with us may result in the following;
1) a representative may be instructed to visit your property
2) your account may be placed with an external DCA
Please contact us as a matter of urgency on 0800 375 796 and our experienced team will be happy to help you. blah blah blah
27/6/16 - letter received from Moorcroft in response to my CCA request. It's a reconstituted copy of my CCA. It's 46 pages of illegible credit card terms (10 pages taken from a leaflet), important changes to your agreement (16 pages), HSBC bank credit card agreement terms (12 pages - dated 18/4/2011), computer printout and a pre approved credit card form signed by me dated 20/10/2004), another printout with my details on then two statement for May and June 2016 which I have not received.
niddy confirmed its.
16/7/2016 - letter from Moorgate dated 13 July 2016
We have attempted to contact you on a number of occasions to discuss the outstanding balance on your account. Please contact us on 0800 375 797 within seven days of the date of this letter. Our office hours are (blah blah). In the event that we do not receive contact from you we will appoint and external company, fidelite credit management ltd, to visit your property. The purpose of the visit is to regain contact with you so we can discuss your current financial situation and agree and appropriate payment plan, in accordance with your ability to pay. IF you are experiencing any difficulties there are a number of organisations who can help you (blah blah).
30/7/16 - letter from Fidelite Credit Management dated 27/7/16. Account been passed to them. If I do not contact moorgate, it may result in a visit. Blah Blah Blah
7/10/16 - letter received from Moorgate informing me that I haven't returned an income and expenditure form.
7/11/16 - letter from Moorgate received dated 2/11/16. The letter is offering me 25% of the current balance.
28/11/16 - letter from Idem Servicing dated 22/11/16 informing me my account has been sold to Cabot Credit Management Group
2/12/16 (7.40pm) - telephone call from Cabot. Asked them not to call my number again.
3/12/16 - text message received today. Number now blocked.
5/12/16 - text message received today
5/12/16 - letter received from Cabot (no date on the letter) asking me to contact them.
6/12/16 approx 10am, another telephone call from Cabot which my mums PA answered and just said I wasn't here.
7/12/16 approx 9.20am - another telephone call. Harrassment letter sent today.
7/12/16 approx 2pm - another text message from Cabot received.
8/12/16 - letter received from Cabot dated 2/12/16 telling me they have confirmed that I live at my address. It then goes on. There is another sheet with the title "important information about your account" it goes in to say that this letter is the notice of assignment and it is important to me.
8/12/16 - SWID letter sent
10/12/16 - letter received dated 6/12/16 the same as the one received on 8th December.
19/12/16 - Letter received from Cabot (dated 15/12/16) regarding my request for information under sections 77-79 of the CCA 1974 (I sent SWID letter). It states that they will be unable to provide the information under the 12 days agreement as it has to come from the original creditor (good luck with that as you have the wrong account!) and may take 40 days. If they don't get a response they will contact me and update me.
19/12/16 - letter dated 15/12/16 received from Cabot in relation to my complaint. They have removed my phone numbers and will only contact me in writing. They also enclose and I & E form and would like me to contact them to make a payment arrangement.
7/1/17 - letter from Moorgate dated 4th January 2017 advising me that idem had purchased my account which they (Moorgate) had been administering on behalf of britannica recoveries acting in the name of Britannia mortlake before being sold to Cabot credit management. My account was transferred on 16th November 2016.
19/1/17 - letter received from Cabot reminding me they purchased this debt
5/5/17 - letter from Cabot dated 30/4/17 telling me the balance is waiting to be paid and that I need to repay the amount and that there are options to choose from. Income/expenditure form enclosed with SAE to return it!
- Type of account Credit Card
- Date commenced (ideally before Apr 2007) Dec 04
- Approx balance £5167.36 (I have paid £3845.66)
- Date last paid (approximate date you last made a FULL payment) last Full payment made in 2011,
- Are you on arrangement or not paying not paid since Jan 16
- Status (default/in arrears/up-to-date) in default since 2011
- Account owner (who is writing to you, a DCA or the lender) Moorgate
Requested CCA 1st Feb 16 - Response on 8th Feb 16 (date 4th Feb) saying they will get one withing 12 working days. Again letter signed for on the 2nd Feb 2016
22/2/16 - letter received dated 19/2/16 from Idem Servicing (though this is a Moorgate debt) relating to this account stating that they are unable to supply a copy of the credit agreement and acknowledge that until they do the agreement cannot be enforced
. However, the balance of the account is still outstanding and we will continue to persue this debt which will include registering any arrears and defaults with the CRAs. The balance on your account is £5092.21 remains due and payable and we will continue to contact you to discuss your repayment proposals. You are free to take whatever action you consider appropriate, but we will not be releasing you from any obligation under the agreement. Yours sincerely Ian Folley Case Handler/ConciliatorThe above letter came from Idem, but this account is supposed to be managed by Moorgate. I think Ian has got himself a bit confused!
12/3/16 - letter received from Moorgate dated 9/3/16
There is currently no agreed payment arrangement in place for your account. Unless we are able to rectify this within the next seven days, your account will be reviewed for further action, which could result in either:
a) Your account being placed with our internal Recoveries Department, or
b) Your account being placed with an external debt collection agency for recovery activity.
We want to work with you to secure a long term, mutually acceptable payment arrangement, therefore please contact our office on blah blah blah
the letter goes on, but its just a load of crap
Letter dated 29th March 2016 received from Moorgate stating they have been instructed to make contact with me to agree a solution regarding 'my' outstanding balance.
4/5/16 - letter received from Moorgate dated 11 May 2016.
We recently wrote to you to advise that your account is being managed within our recoveries department and that it was important for you to make contact with our office. As yet we still have not been able to speak with you to discuss your circumstances and establish an ongoing arrangement for your account. This matter is now urgent. Please contact our office on 0800375797 and our experienced staff will be happy to discuss this with you. Blah blah blah
9/6/16 - letter received from Moorgate dated 6th June 2016
We are increasingly concerned that we have not been able to speak to you about your account.
We are keen to speak to you in order to understand your situation, so that we can place you on the most appropriate payment arrangement.
Failure to make contact with us may result in the following;
1) a representative may be instructed to visit your property
2) your account may be placed with an external DCA
Please contact us as a matter of urgency on 0800 375 796 and our experienced team will be happy to help you. blah blah blah
27/6/16 - letter received from Moorcroft in response to my CCA request. It's a reconstituted copy of my CCA. It's 46 pages of illegible credit card terms (10 pages taken from a leaflet), important changes to your agreement (16 pages), HSBC bank credit card agreement terms (12 pages - dated 18/4/2011), computer printout and a pre approved credit card form signed by me dated 20/10/2004), another printout with my details on then two statement for May and June 2016 which I have not received.
niddy confirmed its
.16/7/2016 - letter from Moorgate dated 13 July 2016
We have attempted to contact you on a number of occasions to discuss the outstanding balance on your account. Please contact us on 0800 375 797 within seven days of the date of this letter. Our office hours are (blah blah). In the event that we do not receive contact from you we will appoint and external company, fidelite credit management ltd, to visit your property. The purpose of the visit is to regain contact with you so we can discuss your current financial situation and agree and appropriate payment plan, in accordance with your ability to pay. IF you are experiencing any difficulties there are a number of organisations who can help you (blah blah).
30/7/16 - letter from Fidelite Credit Management dated 27/7/16. Account been passed to them. If I do not contact moorgate, it may result in a visit. Blah Blah Blah
7/10/16 - letter received from Moorgate informing me that I haven't returned an income and expenditure form.
7/11/16 - letter from Moorgate received dated 2/11/16. The letter is offering me 25% of the current balance.
28/11/16 - letter from Idem Servicing dated 22/11/16 informing me my account has been sold to Cabot Credit Management Group
2/12/16 (7.40pm) - telephone call from Cabot. Asked them not to call my number again.
3/12/16 - text message received today. Number now blocked.
5/12/16 - text message received today
5/12/16 - letter received from Cabot (no date on the letter) asking me to contact them.
6/12/16 approx 10am, another telephone call from Cabot which my mums PA answered and just said I wasn't here.
7/12/16 approx 9.20am - another telephone call. Harrassment letter sent today.
7/12/16 approx 2pm - another text message from Cabot received.
8/12/16 - letter received from Cabot dated 2/12/16 telling me they have confirmed that I live at my address. It then goes on. There is another sheet with the title "important information about your account" it goes in to say that this letter is the notice of assignment and it is important to me.
8/12/16 - SWID letter sent
10/12/16 - letter received dated 6/12/16 the same as the one received on 8th December.
19/12/16 - Letter received from Cabot (dated 15/12/16) regarding my request for information under sections 77-79 of the CCA 1974 (I sent SWID letter). It states that they will be unable to provide the information under the 12 days agreement as it has to come from the original creditor (good luck with that as you have the wrong account!) and may take 40 days. If they don't get a response they will contact me and update me.
19/12/16 - letter dated 15/12/16 received from Cabot in relation to my complaint. They have removed my phone numbers and will only contact me in writing. They also enclose and I & E form and would like me to contact them to make a payment arrangement.
7/1/17 - letter from Moorgate dated 4th January 2017 advising me that idem had purchased my account which they (Moorgate) had been administering on behalf of britannica recoveries acting in the name of Britannia mortlake before being sold to Cabot credit management. My account was transferred on 16th November 2016.
19/1/17 - letter received from Cabot reminding me they purchased this debt
5/5/17 - letter from Cabot dated 30/4/17 telling me the balance is waiting to be paid and that I need to repay the amount and that there are options to choose from. Income/expenditure form enclosed with SAE to return it!
as all MBNA Virgin cards pre 04/07 are. Just snuck in with this one! Sit tight and wait for next letter then use missing PT's letter.
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