Start of my diary

[Joanna Connolly Solicitors]

my wife maybe getting another job, where she will need a car.

Other than the obvious difficulty of gaining finance, which we would be able to afford. Would their credit checks flag up with dca's?

If she needs a car for her new job is there any possibility that her employer might provide her with one or contribute towards the cost in some way?

Di

[nanna58]

Good luck to you both

[Strepsi]

Type of Account: Creation CC - Wife
Date Commenced: 2013
Approx Balance: £5000
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): Lowell

For whatever reason, this one has slipped passed me with regards update on the thread (or I simply can't find it amongst the 34 pages).

Anyway to summarise I sent a CCA request in June of this year, received a letter this week.

Dear Mrs

We've been unable to obtain the requested documents
Creation financial services limited have been unable to supply all the documents required to fulfil your request under sections 77/78 of the Consumer Credit Act 1974

What happens next?
As we have been unable to provided the requested documents we have decided not to pursue the outstanding money at this time....

I LOVE THESE LETTERS!!!!

[Strepsi]

• 19th April 2017, 22:48Re: Start of my diary
  
  Hsbc
• Flexi loan /05/2006
• 4800
  
  This one has always perplexed me, I have CCA'd Moorcroft but they returned my postal order as they were no longer dealing with it.
  
  15th June 2016
  Wescot is a specialist debt collection agency and we have been instructed by our client HSBC to make contact with you to discuss the outstanding balance on this account and the repayment options available based on your personal circumstances...
  
  25th June 2016
  Our enquiries have confirmed that you are resident at the address above but we have not yet had contact from you...
  
  5th July 4
• 0% Reduced Settlement Offer
  We have written to you on several occasions asking you to contact us about this account however to date we have not received a response. In an attempt to close this matter our client has agreed we can offer you a 40% discount to settle your account...

• 8th October 2018, 15:32Originally posted by Strepsi View Post
  
  I have never sent a CCA request for this as, I aren't entirely sure what it would be classed as. It was a loan for a certain amount say £5000, you had to make a minimum payment each month (which was £200), we paid it off a few times but the facility was always there, so when needed we would use again.
  
  This morning received letter from Capquest advising that they will instruct 'resolvecall' to reconnect, if we don't reply by the 20th of this month.
  
  Cheers
  it is known as a "revolving credit account", so as long as your CCA request asks for the agreement under s77-79 it is covered under that,
  
  quote
  "I hereby formally request a copy of my Consumer Credit Agreement, pursuant to s.77-79 of the Consumer Credit Act 1974 (CCA1974)"
  
  this is where Arrow make the mistake of thinking it is an overdraft so they don't send for the agreement, but try and get round it by telling you it is an overdraft so not covered by the CCA act,
  
  Pop a request for one off to Capquest, with a short line at the bottom saying you do not give permission for anyone to call at your property , nothing of a personal matter will be discussed on your door step.

13th October

• Received postal order from Arrow (Capquest), along with compliment slip advising that postal order's no longer required for CCA requests.

Letter received from Capquest today

thank you for your recent correspondence.

we write to confirm your request for your CCA has been forwarded and we await receipt of copy documentation from the originating creditor.

upon receipt of the relevant information, the same will be forwarded with immediate effect. We have returned your postal order under separate cover as there is no charge for your request.

your account will be on hold pending the documentation.

Capquest

Received a massive pack of statements and General Terms and Conditions (Current Account Terms and Saving Accounts).

Is there anything else that I should have received?

[Strepsi]

• 19th April 2017, 23:00Re: Start of my diary
  
  Hsbc 1998
• Amount 1831
• Overdraft Current Account
  
  10th June 2016 HSBC
  Please be advised that your account is today being referred to Wescot Credit Services Ltd who will be contacting you within the next 14 days...
  
  15th June 2016 Wescot
  Wescot is a specialist debt collection agency...
  
  25th June 2016
  Our enquiries have confirmed you are resident...
  
  5th July 2016 40% Reduced Settlement Offer
  We have written to you on several occasions asking you to contact us...
  
  Date updated 5th May 2017
  Really don't want to be vague, but received exactly same letters, same fornats and wording other than amount and account details.
  
  From same entities HSBC, Arrow Global and Capquest.

Letter received from Capquest today

thank you for your recent correspondence.

we write to confirm your request has been forwarded and we await receipt of copy documentation from the originating creditor.

upon receipt of the relevant information, the same will be forwarded with immediate effect.

your account will be on hold pending the documentation.


*no postal order returned on this request....

Received from Capquest earlier

Big pack of statements, general terms and condition and one letter dated June 2013 from HSBC regarding overdraft


Dear Mr

Account type: Bank Account

this letter contain important information relating to your overdraft.

we have carried out a review of your od facility. this provides you with the opportunity to consider whether your od facility is still appropriate to your borrowing requirements....


Don't know what I should be looking out for?

[Strepsi]

Originally posted by Strepsi View Post
Type of Account: Sainsbury CC
Date Commenced: 2013
Approx Balance: £2500
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): Moorcroft then Wescot (I think), now with Cabot Financial


4th October
Letter received from Sainsbury's

"we are writing to notify you that Sainsburys bank has assigned all of it rights respective right title etc... to the Cabot Credit Management Group effective from the 31st August..."

4th October
Letter received from Cabot confirming above.

20th October
We really want to help...

22nd November
We have previously explained that there are several options available and we want to help you find the most suitable solution...

27 December (Second letter)

Your outstanding balance - potential legal action

"Following our previous letter, we want to talk to you about your account but haven't heard from you...

What legal action could mean
"Our typical action would be to instruct a solicitor to issue amount due..."


This debt started life with Moorcroft (which I cca'd), they returned postal order saying that they are no longer dealing with it. I can't remember if I then CCA'd Wescott, it has now been sold to Cabot, as mentioned.


What would be the best course of action, it appears that they are quite keen. Should I send a CCA request or a SWID to Cabot. I am certain that this will be enforceable, mainly because of the date.

Cheers


I HAVE BEEN INFORMED FROM NIDDY THAT THIS IS UE

Received a letter this morning from Cabot Financial UK Ltd

At the moment we don't have any repayments being received on your account or a commitment to a repayment plan...

As a reasonable next action to recover the outstanding balance your account has been reviewed for legal action...you need to contact us within 28 days so that we can prevent this from happening.

I requested SAR in July from Sainsbury's still not received information.

Cabot Financial
Dear Mr

Your outstanding balance - potential legal action

Following our previous letter we want to talk to you about your account but haven't heard from you...

What legal action could mean.

Next steps
We would prefer to avoid legal action...please contact us within 14 days...if we do not hear from you with 14 days your account will be reviewd to be referred to a solicitors.

Advice please?

[Roger]

Cabot seem to send this template letter out but notice its "Potential" "reviewed" .
Under the new regulations a Letter Before Claim has to be sent to you before a claim can be issued.
As Niddy has assessed the CCA as UE the last thing you should do is to alert them to this so that they can reconstitute a EN version!

File and see what comes next.

[Strepsi]

#499 #500

I appreciate we all have busy lives, but I was wondering if someone could give me a little advice on the above posts?

They have threatened a door step visit, before I requested and received the afore mentioned information.

Cheers

[The Tech Clerk]

the old doorstep visit,, if ever then you do not have to communicate with them only tell them to go away, no powers just commission agent

[Strepsi]

"the old doorstep visit,, if ever then you do not have to communicate with them only tell them to go away, no powers just commission agent"

Thank you, but it is more what should I be looking for in the information that I received.

[The Tech Clerk]

the old doorstep visit,, if ever then you do not have to communicate with them only tell them to go away, no powers just commission agent

[Strepsi]

1st November 2018, 14:04

Originally posted by Strepsi View Post

• 19th April 2017, 23:00Re: Start of my diary
  
  Hsbc 1998
• Amount 1831
• Overdraft Current Account
  
  10th June 2016 HSBC
  Please be advised that your account is today being referred to Wescot Credit Services Ltd who will be contacting you within the next 14 days...
  
  15th June 2016 Wescot
  Wescot is a specialist debt collection agency...
  
  25th June 2016
  Our enquiries have confirmed you are resident...
  
  5th July 2016 40% Reduced Settlement Offer
  We have written to you on several occasions asking you to contact us...
  
  Date updated 5th May 2017
  Really don't want to be vague, but received exactly same letters, same fornats and wording other than amount and account details.
  
  From same entities HSBC, Arrow Global and Capquest.

Letter received from Capquest today

thank you for your recent correspondence.

we write to confirm your request has been forwarded and we await receipt of copy documentation from the originating creditor.

upon receipt of the relevant information, the same will be forwarded with immediate effect.

your account will be on hold pending the documentation.


*no postal order returned on this request....



Received from Capquest earlier

Big pack of statements, general terms and condition and one letter dated June 2013 from HSBC regarding overdraft


Dear Mr

Account type: Bank Account

this letter contain important information relating to your overdraft.

we have carried out a review of your od facility. this provides you with the opportunity to consider whether your od facility is still appropriate to your borrowing requirements....


Don't know what I should be looking out for?

[nightwatch]

neither do I, why not message Niddy and see if he knows?

[Strepsi]

neither do I, why not message Niddy and see if he knows?

Thanks for reply, I have sent email to Niddy.I am assuming 499 and 500 would need to be the same info?

[Strepsi]

Thanks for reply, I have sent email to Niddy.I am assuming 499 and 500 would need to be the same info?

Hi,

A number of things, I emailed Niddy on the 6th of last week, at the moment haven't had a reply, I appreciate people are busy with lives, as a rule of thumb how long to get a reply.

The other thing, am I better posting updates to thread, then waiting for reply, then posting the next update, even when I get correspondence from different places on the same day? The reason being, sometimes when I do numerous updates, it appears that I appear only to get feedback on my last posting (or appears to be the case).

Does that make sense?