Westham1 UE diary

[Pixie]

Re: Westham1 UE diary

Received a letter today from Cabot.
Looking forward to working with me.

How sweet of them As SnV said, just file it away (after you've dated it and stapled the envelope to it)

[The Tech Clerk]

Re: Westham1 UE diary

Whoever thought up those childish play group letters!

[SaltnVinegar]

Re: Westham1 UE diary

Received a letter today from Cabot.
Looking forward to working with me.

Bless em, thats nice. Unless its anything more than that I would ignore that for now (but file the letter).

[Westham1]

Re: Westham1 UE diary

Received a letter today from Cabot.
Looking forward to working with me.

[SaltnVinegar]

Re: Westham1 UE diary

Ok thanks for the advice. I'll wait awhile

Hi Westham

Yes this is almost always the best approach. Remember your end goal is to get your debts to become statute barred - this takes tiiiiiiiiiiime

I know its difficult as we all want to draw a line under things, but you need to do everything you can to draw things out, which means not jumping at every letter you receive and being harassed into a response which later down the line could cause you problems.

If you're concerned about any communication you receive, update your diary, and someone will help out. The site team will know what letters to take seriously, and what are autogenerated threat-o-grams.

Remember each day gone is one day closer to achieving your goal, you're playing the long game.

[Westham1]

Re: Westham1 UE diary

Ok thanks for the advice. I'll wait awhile

[Spud]

Re: Westham1 UE diary

Totally agree..... wait for a few introduction letters first then see if they ramp it up a gear as Niddy has said before thinking of sending a CCA as they usually send you a few "lovey dovey" letters we you don't reply straight away......Buys you another couple of months.....

The aim of the game is to while away the time as much as possible

[Never-In-Doubt]

Re: Westham1 UE diary

Ok, for now don't do anything. Await the typical dca threats upon which you then send a CCA.

That's how I'd be playing it if it was me

[Westham1]

Re: Westham1 UE diary

No I haven't.
What is my best response at this stage?
I don't recall having received a default notice or a termination of account letter.

I only sent one letter to Mint/RBS in September 2012 and received a reply in April 2013.

[Westham1]

Re: Westham1 UE diary

So have you ever sent a CCA for this account? Yes or no?

No I haven't.
What is my best response at this stage?
I don't recall having received a default notice or a termination of account letter.

[Never-In-Doubt]

Re: Westham1 UE diary

So have you ever sent a CCA for this account? Yes or no?

[BuzzyBee]

Re: Westham1 UE diary

And when you do get to the stage where a reply is needed....... A s78 CCA request may not be the best move ( Not yet read back on the account so please excuse me - But if they are already in default etc)

Post up as you get letters and see what is advised as the account develops......

Sometimes another letter may be more appropriate than asking again for another CCA......

The CCA request has kept Cabot away for the whole of this year. They tend to be rather bad at obtaining documents from the original creditor. I had never sent a CCA request for this account so I couldn't say it was in dispute with the original creditor.

[Roger]

Re: Westham1 UE diary

Hi Roger,
I only posted it to introduce this debt to the forum.
I will wait until Cabot start to demand payment before I reply to them.

Hi Westham
I to am on a steep learning curve and it is making more and more sense as my journey progresses.
Good Luck!

[Spud]

Re: Westham1 UE diary

And when you do get to the stage where a reply is needed....... A s78 CCA request may not be the best move ( Not yet read back on the account so please excuse me - But if they are already in default etc)

Post up as you get letters and see what is advised as the account develops......

Sometimes another letter may be more appropriate than asking again for another CCA......

[Westham1]

Re: Westham1 UE diary

Yes, those would be the assignment papers and you will be hearing quite a bit from Cabot now, however, all is not lost...

Yes, that would be the next step, however, I would wait for Cabot to start writing letters asking for repayment. I went through a similar experience earlier this year, Cabot buying an old Egg card. I ignored the letters of assignment and the first few missives which were surprisingly friendly: "we are here to help, etc." as opposed to the usual threats of hell and damnation. The letters got more and more frequent so I sent a CCA request back in January, which was acknowledged by Cabot saying they'd send the documents as soon as they'd got hold of them. There's been nothing but total silence ever since. It's a matter of buying time, mine's already statute barred.

Hi Buzzybee,
I think I will do the same as you and wait to see how urgent the letters become before sending off a CCA request.