UE Diary of Susieblings Daughter

[Susiebling365]

The third letter(s) is to do with the Cahoot /Sandander account. It is a current account that was attached to the credit card. The amount they are asking is £100.74 and they have assigned it to Moorcroft to collect.
My daughter did at one point try to pay this amount to Cahoot but it kept bouncing back to her now Nat West account so she gave up on it. Its a current account or was and I shall have to ask her to repeat what it was all about,She mentioned as it was some sort of "enticement" to bank with them.

Anyway its a current account debt so I will have to search around for how to deal with this, unless anyone out there knows about such "gifts" and how to deal with current account debts.

I ll come back on this one ... Thanks to you all

[Susiebling365]

I think this diary method keeps everything neat and tidy, so I m doing it, Sorry for the posting elsewhere but took a while to decide course of action .

Co operative Bank

Type : Credit Card
Date Started : 4th September 1997
Approx Balance :£4301.58 as at Dec 2016
Date last paid : January 2016. (full payment)
Arrangement: paying regularly up until now
Minimum payments and to date are being paid each month
Account still with Co operative Bank
January 16: Sent a copy of the agreement to Niddy and although its not a good copy regarding this as
February 17 Stopped the DD after much deliberation, and the need to take back control.
May 3rd 17 Received Default notice, dated 18th April 17

August 2nd Received letters from Co op and Link Financial Outsourcing Ltd ( not heard of these) The account has now been sold to them. The debt is now owed to ALC5 but Link remains as servicer for the account. We are just filing this one away.

August 17th 2 letters from Link Financial Out sourcing. The first one (no date ) They say they are entitled to immediate repayment of the debt but are giving her the opportunity to clear the debt by monthly instalments of £45.64 by direct debit. This letter also says that they have bought the debt

The second letter dated 17th just asks her to ring . Filed away

An update received but we will file this away too

[Susiebling365]

Re: UE Diary of Susieblings Daughter

Lloyds Credit card

Type : Credit Card
Started: 1998 ..
Balance; Jan 2017 £3382.05
Payments: Up to date and making the minimum payment
January 26th sent CCA request and waiting for reply
Account with OC Lloyds
January 2017 sent for CCA but received nothing back so in default of CCA request
February 19th Received Reconstituted terms ( had to research this) Sent to Niddy who said it was
as not signed agreement .

August 17 Default notice received Account balance £3480.66. and arrears £422.32 Filed away

Just an update Lloyds issue a default notice. Filed away

[Susiebling365]

Thank you Di for that, its a learning curve for me , as my debt was not like this one. We have been tied up with property transfers, not being signed by ex, who is emigrating, so not been on here for a few days. Anyways, there are a few updates but I think , going by the above, they can just be filed away.

[Joanna Connolly Solicitors]

Letters to say its been sold on. . . . . We are just a bit watchful of this one as Niddy sees this one as enforceable, Bit of a rubbish copy but looks like may have to make offers a bit down the line.

So you've received a Notice of Assignment from the Co-Op to "ALC5" which says that Link Financial will be managing the account from now on.

A debt purchaser doesn't always have access to all the information held by the original creditor so don't assume that because the agreement the Co Op sent you was viewed as enforceable that the next business will have it or even if they do it may not be a legible copy.

This account was opened in 1997. Was there PPI on it?

There's also more to defeating a claim (hopefully things won't get that far) than just the credit agreement. They'll have all sorts of legal hoops to jump through including potential assignment issues.

It's too early to think about making an offer to settle.

Di

[Susiebling365]

I think this diary method keeps everything neat and tidy, so I m doing it, Sorry for the posting elsewhere but took a while to decide course of action .

Co operative Bank

Type : Credit Card
Date Started : 4th September 1997
Approx Balance :£4301.58 as at Dec 2016
Date last paid : January 2016. (full payment)
Arrangement: paying regularly up until now
Minimum payments and to date are being paid each month
Account still with Co operative Bank
January 16: Sent a copy of the agreement to Niddy and although its not a good copy regarding this as

February 17 Stopped the DD after much deliberation, and the need to take back control.
May 3rd 17 Received Default notice, dated 18th April 17

August 2nd Received letters from Co op and Link Financial Outsourcing Ltd ( not heard of these) The account has now been sold to them. The debt is now owed to ALC5 but Link remains as servicer for the account. We are just filing this one away.

Update of this account, Letters to say its been sold on. So I am just filing this away. Thanks to Niddy and Roger. I m starting to understand how things work.
We are just a bit watchful of this one as Niddy sees this one as enforceable, Bit of a rubbish copy but looks like may have to make offers a bit down the line.

[Never-In-Doubt]

I just want to ask about this letter we received as we seem to get letters threatening more letters on default, and I m not sure on this. If it is a genuine default, what do I do next

This is just a standard DN - you can ignore this, as Roger has said.

[Roger]

You are doing very WELL!
AAD is a great forum and IMO the best legal team in the Country!!

[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

Just updated, and would like to thank Roger for putting my mind at ease.... forward and onward.... cheers

[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

Ok fingers crossed, gone back to the beginning to what I know best

I just want to ask about this letter we received as we seem to get letters threatening more letters on default, and I m not sure on this. If it is a genuine default, what do I do next ?

Cahoot have sent nothing really that even resembles an agreement, we have done the CCA thing but all she has had are reminders threats and statements. There is a current account attached to this, which, she has tried to close. There is a £100 owing they say on this but whenever she tried to pay this off, it just went back to her current bank now....Those letters tend to come from Santander which I believe owns the online Cahoot. So for now we have left that one.

So here goes trying to upload another edited copy. ....

I did use an app to edit pdf. but obviously not right for here.....

[Susiebling365]

oh thanks Cym.....apologies then , i honestly didn t see either but I am operating on one eye at the moment this Bells palsy is so inconvenient !! lol

I ll go back and look it over then repost, if thats ok, things are getting better for her now so need keep on top of this part,and I am not too sure on these letters, and unenforceable do dahs !!

Back in a bit

[cymruambyth]

Susie it should say in red that I deleted the last post because your daughter's details were on the DN, so I am deleting this post as well!

[Joanna Connolly Solicitors]

Its so uplifting when you get control back isn t it?

Yes it certainly is

Di

[Susiebling365]

Hi, I' ve just popped in to let you know we are still here. Nothing (touching wood) major has occurred yet regarding the debts. Just a couple of the reminder type letters. She has a new phone number so that has stopped that communication. House now been awarded to her just waiting for the paperwork, so things are looking better. Its so uplifting when you get control back isn t it?

Just looking around the new layout , and looking good though took me a while to find this personal post , but I landed.

I ll go investigate further .....S

[JLC]

Re: UE Diary of Susieblings Daughter

Thanks JLC ......


I am a bit in the dark about default notices... I think this one worried her a bit being as its "enforceable", wasn t sure what to say, I think this is the point they stop interest? Is that right? But apart from that , wait for them to write again? ....What would that be do you think?

Sorry to pester but she sits here asking me these questions lol.....

they may sell it on, but all charges should stop.