UE Diary of Susieblings Daughter

[Susiebling365]

...that;ll do for me

[Still Waving]

Hi

"No figures given , they just want contact... is my thinking correct ?"

Agreed - just trying to tempt you. I would ignore.

[Susiebling365]

Hi

My daughter does seem to have really polite considerate creditors

Received this letter today and would like opinions if you would. Its from the gentlemen (or women) of Westcot again, My opinion is that they more or less know there is not much chance of taking her to court , it is deemed from the man who knows these things. That they just want contact and clutching at straws. She is also getting emails, texts and calls which she blocks and ignores. Which is what I feel should be done with this latest "offer"..

No figures given , they just want contact... is my thinking correct ?


SB Loyds offer20171109_15112226.pdf

[The Tech Clerk]

Wescott told me once where I lived = nice of them??? lol

[Susiebling365]

Hi , just updating. from westcot/ Lloyds ...added to diary

" November 2nd 2017 Letter from Westcot letting us know they "know where you are " and will continue to text, phone , send letters and generally annoy unless we respond. BE AFRAID!!!...So its getting filed and it seems that they know there is no agreement to fight with..."

It was quite polite really, I should n't mock....

Daughter is doing ok now despite all this side of things, the divorce is complete and the house in her name, this has helped enormously with her other problems as able to " get straight", AAD is a brilliant haven to come to to get on the right track in life .....

[Susiebling365]

Thanks Spud... confirms what I thought, I shall print that letter off. I had Morons in the past, and they were n't too difficult.. Yes the £100 is an overdraft on a current account that fed into the credit card. It was an online setup with Cahoot which seems to be something to do with Santander. I know that current accounts are not the same as credit cards, and when I told her to move her current account she tried to close the current account with Cahoot. It seemed to be a problem with them so she just left it.

Thats what we will do now, file away, and I will send the no visitors letter . Thank you

[Spud]

If it were me I would not be making any payments full stop. I'm not quite sure what you mean when you say a small current account balance attached to the credit card.....I'm guessing that these are two seperate accounts but with the same creditor? Either way I would not be thinking of paying at this stage

If they see that a payment has been made on an account then it could spur them to press a bit harder with other matters. If you ever did need to settle the small balance for some reason.......then you could always do that if you had to at a later stage and it will still be the same amount.......so why risk it?

With regard to Moorcroft and the "home collections special ops SAS branch corps".......I would not be too worried as most times they never do turn up......and even if they do just don't answer the door or if you answer the door by mistake just shut it again and go inside etc (Which I suspect you more than already know)- Although I appreciate its not nice

If you had not sent the threat of home visit template letter already.........Then I think that's what I would do in your position - Sent recorded delivery so they can never say they were not advised

[Susiebling365]

Re: UE Diary of Susieblings Daughter
.

Cahoot / Santander


Type ; Credit card
Date started : not sure as not received agreement , definitely pre 2007 probably 1990s
Approx Balance £7826.38
Date last paid: January 2017.
Payments: Being paid each month on minimum amount due.
Status: is up to date
Account: with OC Cahoot

January 2017 sent for CCA and just received a letter and email (copy on other thread) no agreement . In default of CCA request
January 2017: stopped the DD.

July 2017 Default notice received, posting to ask what to do next....Reading around the forum and asking , did get a reply on AAD+ to just leave this letter be, and so decided to wait for something more definite. Seems default notices are just an end to an agreement with the borrower? And , in this particular case we have yet not received any form of agreement from Cahoot, so


16th October 2017.. There is a small balance of a current account attached to this credit card. £100.74..They seem to be more concerned with payment of this at the moment . We are ignoring it as to do anything I feel could jeapordise the larger credit card debt. I am just noting it here as it is part of this account in a way ?

Hi all

We have received a letter from Moorcroft who are dealing with this account. They do seem to be more concerned at chasing the small overdraft at the moment, which is attached to this credit card. Its only a small amount but I feel that if she responded to this ..ie paying it , it would jeopardise the big credit card debt.

Anyway, my query is with the letter they sent this time. it says " therefore your account has now been passed to our Home Collections Division for action. This may involve our local representative calling at your home address. Please call us if there is a particular time or date" bla bla !!!!

Does this warrant a letter about home visits by appointment / not permitted ? I thought is was a dumb attempt at trying to get her to invite them over for chit chat over coffee !!

Thanks again, can t tell you how different my daughter is compared to 12 months ago, despite just out of hospital with cancer scare.... she s doing great !!

[nanna58]

Woo hoo x

[nanna58]

Woo hoo x

[cymruambyth]

That's great news about your daughter. It's the little words that count when working out how much to panic and how to respond.

[Susiebling365]

Yes... it says " if you don t reply , we may have no alternative than to recommend to our client "

I had Moorcroft onto me for a short while, very tacky note paper.....

So a little word like MAY, means a lot? together with the fact they are just collectors ?

So..... ignore this... it was the fact it was an overdraft that concerned me,

Thanks for that , much appreciated....my daughter doing much better now, just been awarded the house so having to sort that business out, and twelve months ago she was near suicidal.....

[cymruambyth]

Susie, you are correct on the enforceability of Cahoot. I would ignore for now. You say threats of legal action - do these include 'may'

[The Tech Clerk]

Moorcroft are only collectors for another company on commission if they collect any monies

[Susiebling365]

Hi

Does anyone have any experience of overdrafts?. We have just had a letter from Moorcroft acting for Cahoot. There was a current account attached to the credit card, and , with all the to- ing and fro- ing, there still remains £100.74. overdraft. The letter from Moorcroft threatens legal action and says


"Contact us now and we would be happy to discuss a repayment program.....In certain circumstances we may also be able to offer a substantial discount from the outstanding balance..


I just wanted to check this out , I know its not much and my first reaction is to just pay it. My daughter tried to when she moved accounts but for some reason the money kept returning to her new account. I v also read somewhere that current overdrafts are treated differently to Credit cards agreements.As Cahoot is deemed unenforceable, as we have had no agreement sent, and this is the attached current account .... what are your thoughts.. I don t want to jeopardise anything .


Thanks