time to sort this mess out

[PlanB]

had a doorstep step visit from resolvecall who i kindly declined to speak to and requested no more doorstep visits.

From what you say you handled that situation well - good for you!

Did Resolvecall leave you a card/letter so you know which debt the agent was attempting to collect?

I’m guessing they were acting on behalf of Cabot since other forum members have recently had the same experience, but it would be helpful to know the specifics in order to suggest your next step so that you can keep one step ahead of the situation.

Can you post a re-quote of the debt on this thread so I can see the full history so far if you know which debt is being chased and why you may/may not have a defence if things escalate.

Di

[nightwatch]

How nice of them to call, did they inform you of their intended visit, or was it a "SUPRISE"!!

[Jaffacake]

Well Just had a doorstep step visit from resolvecall who i kindly declined to speak to and requested no more doorstep visits.

[nightwatch]

Hi and thanks for your update, may your post ever dwindle down to nothing this year.
although Cabot do like to keep intouch, just to show they care.
NW

[PlanB]

Hello

Thanks for the update which is looking good.

You've reached the final year before these debts become statute barred since they all appear to have been defaulted in 2008, and payments stopped after you sent the CCA Requests in March 2016.

It also seems you sent your CCA Requests to the original creditors (all of them or only most of them?) so you've got that ace up your sleeve if the debt purchasers start to turn up the heat.

I hope you make it to the finishing line!

Di

[Jaffacake]

Hello everyone here is an update to my diary as not much has been happening over the past year, only company to keep sending letters monthly is Cabot Financial which has picked up intensity the last few months but i think has something to do with that the accounts were disputed about 5 years ago.

TYPE OF ACCOUNT – lloyds TSB CC
Date Commenced - 1999
Approx Balance - 2928
Date last paid - ?
Arrangement or not paying – DMP
Status – default 2008
Account owner – Cabot

03/03/16 – CCA request sent
04/03/16 – CCA request signed for
26/03/16 - recieved letter saying they have requested documents and it could take upto 40days.
26/06/16 - letter saying thankyou for paying in the past but can you contact them so I can clear the balance.
06/07/16 - missed phone call voicemail left asking me to contact them about a personal matter
07/07/16 - missed phone call voicemail left asking me to contact them about a personal matter
08/07/16 - missed phone call voicemail left asking me to contact them about a personal matter
30/08/16 - letter asking me to fill in a income and expenditure form.
02/02/17 - another chasing letter saying that I've not contacted them still.
03/04/17 - letter saying there getting fedilite to make a door step visit to get me back in touch with Cabot.
27/04/17 - first letter from fidelite today asking me to contact them within 7days(letter dated 21/04/17) or they will make a personal visit to my house.

the above i have received letters probably once a month but the last couple of months it got to about 2 a month plus offers of 70% discount to settle, they have now passed it onto Resolvecall who are threatening a home visit if i do not reply in 7 days.

TYPE OF ACCOUNT – Mint CC
Date Commenced - ?
Approx Balance - £1214.28
Date last paid - ?
Arrangement or not paying – Last paid 03/16
Status – default
Account owner – Mint

03/03/16 – CCA Request sent
07/03/16 – CCA request sent back toldto send to royal bank of Scotland as they are the owners of account.
11/03/16 – CCA Request sent to Royal bank of Scotland
15/03/16 – CCA request signed for
06/04/16 - Received copy of agreement and terms&conditions (niddy says unenforceable)
07/05/16 - letter recieved from moorcroft asking for a proposal of payment or possible further debt recovery action may happen.
11/06/16 - letter received saying there agent has been unable to contact me so they have passed my details onto a new dca called Allied international credit(uk) ltd.
09/12/16 - letter from Mint saying there agent has been unable to contact me so have now passed it to Westcot Credit Services trading as Wescot. And that they will contact me within 14days.
28/12/16 - welcome letter from wescot asking me to contact them.
05/01/17 - letter from wescot saying they know I live at my address and to contact them or they will continue to call/text and send letters on behalf of royal bank of Scotland.
12/01/2017 - letter from wescot regarding reduced settlement
28/01/2017 - normal chasing letter
09/02/2017 - letter from 2f- confirmation of residency
26/06/2020 - Debt sold to Cabot finacial (uk) limited

Nothing new to report on this one apart from getting a letter once a month since they took over.


TYPE OF ACCOUNT – HFC Bank plc
Date Commenced - ?
Approx Balance - 759
Date last paid - ?
Arrangement or not paying – DMP
Status – ?
Account owner – Idem servicing

26/02/16 – full and final settlement sent
07/03/16 – offer rejected wanting me to fill out a financial statement
11/03/16 – CCA Request sent
14/03/16 – CCA request received
17/03/16 – letter received saying they will provide info in 12 working days.
21/03/16- Letter received acknowledging request for documents they have forwarded it to HFC Bank PLC(letter dated 17/03/16)
01/04/16 - Letter received stating that they are unable to supply a copy of the agreement or statements and acknowledge that it cant be enforced.
28/04/16 - letter received stating documents issued under section 87(1) of the consumer credit act 1974 in relation to my account. And a default notice on the other side of the letter.

Looks like i never updated this one but some where in between 2016 and Jan 2017 it changed from Idem to Cabot Financial(Europe) LTD. I need to check my files as im normally good at filing everything but nothing much to tell apart from getting letters every other month until December when they started sending one every month and a 70% discount.

TYPE OF ACCOUNT – Mint CC
Date Commenced - ?
Approx Balance - £1214.28
Date last paid - ?
Arrangement or not paying – Last paid 03/16
Status – default
Account owner – Mint

03/03/16 – CCA Request sent
07/03/16 – CCA request sent back toldto send to royal bank of Scotland as they are the owners of account.
11/03/16 – CCA Request sent to Royal bank of Scotland
15/03/16 – CCA request signed for
06/04/16 - Received copy of agreement and terms&conditions (niddy says unenforceable)
07/05/16 - letter recieved from moorcroft asking for a proposal of payment or possible further debt recovery action may happen.
11/06/16 - letter received saying there agent has been unable to contact me so they have passed my details onto a new dca called Allied international credit(uk) ltd.
09/12/16 - letter from Mint saying there agent has been unable to contact me so have now passed it to Westcot Credit Services trading as Wescot. And that they will contact me within 14days.
28/12/16 - welcome letter from wescot asking me to contact them.
05/01/17 - letter from wescot saying they know I live at my address and to contact them or they will continue to call/text and send letters on behalf of royal bank of Scotland.
12/01/2017 - letter from wescot regarding reduced settlement
28/01/2017 - normal chasing letter
09/02/2017 - letter from 2f- confirmation of residency
26/06/2020 - Debt sold to Cabot finacial (uk) limited

Again nothing new to report from getting letters every month since october 2020




TYPE OF ACCOUNT - loan
Date Commenced - ?
Approx Balance - 9032
Date last paid - ?
Arrangement or not paying – DMP
Status – Assigned
Account owner – Arrow Global managedby Moorcroft

03/03/16 – CCA Request sent
04/03/16 – CCA Request signed for
07/03/16 – confirming they haverequested documents from arrow and will forward them on when they have them.Also stating that they are not seeking enforcement just asking for payment foran outstanding debt.
18/04/16 - letter recieved, acknowledge receipt of my recent request and confirm that they have closed my account with them and passed it back to Arrow Global Ltd.

Nothing new with this one apart from getting yearly statements from them.

So folks thats all the news i have for now hope your all doing well on your journeys and lets see what 2021 brings us.

[Joanna Connolly Solicitors]

recieved a letter today saying that they have given me notice that the debt has been assigned to cabot finacial uk limited and they are now the legal owners.

So this Mint credit card is both unenforceable and now owned by Cabot Financial (UK) Ltd.

That's two reasons to celebrate

Di

[Timewilltell]

RBS have just sold mine to Cabot financial Uk ltd, and I’m dancing on the ceiling.

[Warwick65]

I see that Niddy said this CCA was UE. If that is the case there is no point in sending another one, in fact it would be positively dangerous. I had some RBS debts that were sold to Cabot Financial UK, they did try to phone a few times but soon stopped and the debts are SB.

My case was slightly different in that RBS had previously supplied enforceable CCA requests so I did send new ones which Cabot were unable to comply with.

For now I would do nothing and wait to see what they do next

[Jaffacake]

defiantly :- Cabot financial (uk) Ltd?

Yep that's what it says on the letter i received today.

[The Tech Clerk]

defiantly :- Cabot financial (uk) Ltd?

[Jaffacake]

Re: time to sort this mess out





- - - Updated - - -

TYPE OF ACCOUNT – Mint CC
Date Commenced - ?
Approx Balance - £1214.28
Date last paid - ?
Arrangement or not paying – Last paid 03/16
Status – default
Account owner – Mint

03/03/16 – CCA Request sent
07/03/16 – CCA request sent back toldto send to royal bank of Scotland as they are the owners of account.
11/03/16 – CCA Request sent to Royal bank of Scotland
15/03/16 – CCA request signed for
06/04/16 - Received copy of agreement and terms&conditions (niddy says unenforceable)
07/05/16 - letter recieved from moorcroft asking for a proposal of payment or possible further debt recovery action may happen.
11/06/16 - letter received saying there agent has been unable to contact me so they have passed my details onto a new dca called Allied international credit(uk) ltd.
09/12/16 - letter from Mint saying there agent has been unable to contact me so have now passed it to Westcot Credit Services trading as Wescot. And that they will contact me within 14days.
28/12/16 - welcome letter from wescot asking me to contact them.
05/01/17 - letter from wescot saying they know I live at my address and to contact them or they will continue to call/text and send letters on behalf of royal bank of Scotland.
12/01/2017 - letter from wescot regarding reduced settlement
28/01/2017 - normal chasing letter
09/02/2017 - letter from 2f- confirmation of residency
26/06/2020 - Debt sold to Cabot finacial (uk) limited

So after a few years of no contact regarding this debt i recieved a letter today saying that they have given me notice that the debt has been assigned to cabot finacial uk limited and they are now the legal owners.
Will wait to hear from Cabot now.

[The Tech Clerk]

give them the information they have to be careful

[Roger]

Sent off sar requests last week didn’t know that the £10 is no longer required so got both postal orders returned which is a bonus. The dmp company are on with gathering the info but Lloyd’s bank have sent me a form to fill in that’s wanting a copy of passport, driving licence or utility bill. What should I do about this?

Identity? I think GDPR is a slightly different from the old SAR. The current norm for proving identity is one of each of the following.
1/ A Driving Licence or a Passport etc..
2/ A Current Utility Bill

[Jaffacake]

Sent off sar requests last week didn’t know that the £10 is no longer required so got both postal orders returned which is a bonus. The dmp company are on with gathering the info but Lloyd’s bank have sent me a form to fill in that’s wanting a copy of passport, driving licence or utility bill. What should I do about this?