Westham1 UE diary

[The Tech Clerk]

not sad in this case, they will bombard you no doubt, decades ago they conned me in collusion with a solicitor and another DCA, one day =what goes around comes around

[Roger]

Letter from Intrum informing me that 1st Credit became Intrum UK Ltd, and I don't need to contact them regarding my account.

Nice to be NOT wanted!

[Westham1]

Letter from Intrum informing me that 1st Credit became Intrum UK Ltd, and I don't need to contact them regarding my account.

[Westham1]

I have just looked at my latest Noddle report and for the Cabot entry there is another line

Account holder status Gone-away

This is following-on from them being told that I don't live at my address. So far so good .......

[Westham1]

I haven't heard anything from Cabot since I told their bulldogs to leave my premises in January.
I'm just wondering if anyone else who started getting letters at the same time as me around May 2016 has been getting any letters from Cabot in the last 2 months?
A couple of you should be sb by now.

[Joanna Connolly Solicitors]

That's what I was thinking Di - don't send off a cca request until I need to.
When I received the letter from Mint in April 2013, they stated that the account was closed in February, but according to my Noddle report the account was defaulted on March 13th 2013.
I don't recall getting a default notice.
However I thought I read somewhere that you can't default on a closed account, so in this case, as a hypothetical question, if a claim was made at the beginning of March 2019 would the account be sb'd?

In which case I would definitely not send a s 77-79 CCA Request at this moment in time.

I can't answer your hypothetical question without knowing the actual situation. A SAR to RBS will reveal all (about the default and termination dates etc) but I would let sleeping dogs lie for now.

Di

[Westham1]

That's what I was thinking Di - don't send off a cca request until I need to.
When I received the letter from Mint in April 2013, they stated that the account was closed in February, but according to my Noddle report the account was defaulted on March 13th 2013.
I don't recall getting a default notice.
However I thought I read somewhere that you can't default on a closed account, so in this case, as a hypothetical question, if a claim was made at the beginning of March 2019 would the account be sb'd?

[Joanna Connolly Solicitors]

RBS (Mint)

Credit Card
Commenced Oct 2006
Approx balance £8k
Date last paid Sept 2012

Status Default
Owner Cabot

I was introduced to a company called Highbridge in 2012.In September of that year I contracted with them to take over assignment of 2 credit cards (Virgin and Mint), and they were to be the owners of the debts leaving me debt-free..The cost was 25% of my debts which were charged to the cards, so in effect it wouldn't cost me anything -I'm yet to find out!
At the beginning of last year, I received a letter from Highbridge saying they were being dissolved, so all of their clients were now on their own.
The Virgin card is now with PRA. I am currently waiting for a claim to be issued by their solicitors (in another thread), but it seems PRA themselves are now issuing claims - maybe the solicitors have abandoned them and mine has been forgotten, fingers crossed.
With the Mint card, I have had correspondence from Triton, and Greens Solicitors in 2013, then AIC in 2014, but I passed these on to Highbridge and heard no more.Last year in April I started getting letters from DLC which I ignored, then in June 2015 they threatened to return the account to RBS unless they heard from me, so it's been quiet until now. Today, I received a letter from RBS saying "We hereby give notice that we have sold your MINT card to Cabot Financial(UK) Limited".Does this count as a notice of assignment?
Cabot Financial (Europe) will be administering the account.There is also a welcome letter from Cabot in the same envelope, so I guess Cabot wrote both letters.
In April 2013 I received a reply from RBS to the letter I sent (written by Highbridge in Sept 2012), refuting all the points I raised. They also mentioned that my account was formally terminated in Feb 2013, but I don't recall being sent a default notice or a termination letter.On my Noddle account there is a default date in March 2013.
Anyway I guess I will be getting hassle from Cabot now - I was hoping RBS would hang on to this account for another 3 years.
Westham1


13/6/2016 Letter from Cabot "we're looking forward to working with you. If we don't hear from you we will attempt to contact you by phone or in writing in the next 14 days".

4/7/2016 Letter from Cabot saying the balance is waiting to be paid. If we don't hear from you in the next couple of weeks we will continue to contact you.

20/7/2016 Letter from Cabot saying they have been trying to contact me.

22/7/2016 Letter from Cabot. If we do not hear from you we will continue to contact you.

22/8/2016 Letter from Cabot. We own your account and are prepared to reduce the balance in order to help you become free of this debt.

22/9/2016 Letter from Cabot. Despite repeated efforts, we have been unable to gain your commitment to repay your debt.

29/9/2016 Statement of account from Cabot covering 22nd March 2016 to 21st September 2016

22/10/2016 Letter from Cabot. Please contact us.

21/11/2016 Letter from Cabot. Unique offer -pay £100 and we'll triple it.

2/2/2017 Letter from Cabot giving me options on how to start re-paying.

1/3/2017 Letter from Cabot with an I&E form

31/3/2017 Letter from Cabot offering £50 discount

4/5/2017 Letter from Cabot

1/6/2017 Letter from Cabot

30/6/17 Letter from Cabot

6/7/17 SAR sent to Barclaycard recorded delivery

29/7/17 Letter from Cabot

28/8/17 Letter from Cabot saying debt still needs to be paid

19/10/17 Letter from Cabot saying debt needs to be paid

18/11/17 Letter from Cabot offering 25% discount

21/12/17 Letter from Cabot threatening door-step visit from Resolvecall

10/1/18 Letter from Resolvecall

18/1/18 Visit from Resolvecall

I've found the history of this debt in post # 1.

It says your last payment was in September 2012 so becoming Statute Barred this year is one possibility although you say it shows as Defaulted in March 2013 on your CRA file so that may have an impact on the SB date.

You've not corresponded with Cabot since they were assigned the debt in June 2016 so I see no reason for you to start making contact now especially since you told that doorstep collector that *you* don't live at that address when he visited.

If you send a s 77-79 CCA Request then you'll be giving the game away and they'll know where you live. It might also trigger a claim since they'll start looking more closely at your file in order to comply with your request and realise that SB is on the horizon.

Maybe doing nothing is the right thing to do

Di

[The Tech Clerk]

so not far off statute barred then,

[Westham1]

Last payment date was September 2012 to Mint. Have never corresponded with Cabot. I live in England.

[The Tech Clerk]

I haven't sent a cca request yet.
There is a default date on my credit report in mid-March 2013 but I can't remember getting a default notice, and have a letter from RBS (this is a mint card opened in 2006) saying the account was closed in Feb 2013. Haven't paid anything since 2012.

actual last payment date/acknowledgement? where do you live? england/wales or scotland?

[Pip]

Hello Westham, sorry for very late response. I never did receive a visit from them, at least not to my knowledge. Others may correct me but I don't think these doorstep visits really mean anything in terms of upping the ante. It's just a [blunt] tool in their box to try and get a response. Literally just hiring somebody to knock on a door, and nothing else really ..!

[Westham1]

I haven't sent a cca request yet.
There is a default date on my credit report in mid-March 2013 but I can't remember getting a default notice, and have a letter from RBS (this is a mint card opened in 2006) saying the account was closed in Feb 2013. Haven't paid anything since 2012.

[Still Waving]

I'm worried now that they will up the ante and start being threatening after 18 months of harmless letters

What's the history with this account? Have you ever sent a CCA request, and did you receive paperwork in response, and if you did was it enforceable?

[Westham1]

I'm worried now that they will up the ante and start being threatening after 18 months of harmless letters