Zeppelin's UE Diary

[Zeppelin]

Re: Zeppelin's UE Diary

12. CITICARDS (Account 1)

Citi credit card account
Pre-April 2007
Balance: £5309
Date of last full payment: Between Sept 2009 and June 2010
Recently stopped paying the DCA
Account Owner: Moorcroft Debt Recovery Ltd

CCA request sent 18/2/2017
10/3/17: Response from Moorcroft: "In line with our client's procedure you are required to contact our client directly with your written request including the £1.00 fee". Further CCA request sent to CITI Cards 10/3/17. Don't understand this as Moorcroft's letters including this one show than as OWING the account.
19/3/2017: Recorded Delivery item not received yet. Check 23/3/17.
24/3/2017: Reply from CITI: "Unfortunately we are unable to help you as the card account has been sold to a third party organisation. All information requests must be directed to the third party organisation who purchased your account".
28/3/2017: Following advice from Niddy this account is .....
24/5/2017: Letter from Moorcroft telling me their local representative will be calling on 31st May to ....."help in establishing contact with our Head Office....". The back of the letter has some questions I'm to complete following the visit mostly around rating the representative! I don't believe them but it will be interesting as I'll be at home that day!
25/5/2017: Harassment template letter sent to Moorcroft.
9/6/2017: A long letter from Moorcroft: "..... we purchased the debt in good faith........we had no reason to believe is not legitimate ..... we also believe the OC will have provided you with details of your liability ....... we sometimes receive letters of this nature (my CCA request) from other customers obtained from a variety of websites and seem to suggest they can be used to avoid debts. we recommend that you seek legal advice about the use of these communications .......however it is clear from your recent letter that you do not wish to discuss your account with us. with this in mind we believe it is the sensible option is not to actively pursue you for payment of this account at this time...... this is a business decision .... we would reiterate that we will not be actively wishing to pursue you for payment of this account and you will receive no further contact from us in connection to this matter, at this current time"
That being the case I hope they take the same view as the other two Citicard accounts (13 and 14 in my UE Diary).
17/9/2017: Annual Statement received from Moorcroft. Filed.
14/9/2018: Annual Statement received from Moorcroft. Filed.
23/9/2019: Annual Statement received from Moorcroft. Filed.
6/10/2020: Annual Statement received from Moorcroft (no date, probably received in September). Filed.
29/4/2023: ACCOUNT IS NOW SB.

[Zeppelin]

Re: Zeppelin's UE Diary

13. CITICARDS (Account 2)

Citi credit card account
Pre-April 2007
Balance: £3900

1. Date of last payment: Between Sept 2009 and June 2010

Recently stopped paying the DCA
Account Owner: Moorcroft Debt Recovery Ltd

CCA request sent 18/2/2017
21/2/2017 Cap Quest have placed the account on hold for 28 days and contacted CITI for further information. "If we haven't had a response by 17 March we'll write to provide an update".
13/4/2017: Having realised I'd lost the recorded delivery receipt for the CCA I sent on 18/2/2017 I though I should send another. Second CCA request sent to Moorcroft which was received 1/4/2017. No response as yet.
22/4/17: No response from Moorcroft.
27/4/2017: Standard letter received form Moorcroft chasing payment. Ignored as they're in default through non response to CCA request.
10/5/2017: Slightly more threatening letter received from Moorcroft chasing payment again and threatening the account will be passed to their Home Collections Dept etc. Not a legal threat, just chasing payment again despite there being no response to the CCA request. As they're still in default it doesn't seem to warrant a reply.
9/8/2017: Less threatening letter from Moorcroft asking me to contact them. Filed.
11/9/2017: Further chasing letter from Moorcroft - contact them to avoid further debt recovery action. Still no CCA evidence received. Filed.
17/9/2017: Annual Statement received from Moorcroft. Filed.
25/9/2017: Monthly Instalment Offer from Moorcroft. Still no CCA evidence received. Filed.
21/10/17: Two letters from Moorcroft : one offers a discount, the other threatens a visit by their representative. Reply sent to Moorcroft based entirely on the letter sent for Account 12 - the Harassment template letter.
4/11/2017: Letter from Moorcroft very similar to the one for Account No.12 (entry dated 9/6/2017). "...... that the sensible option is not actively pursue you for the payment of this account at this time. We must stress that this action is purely for genuine business reasons ..... and is not an admission on our part that this account is not outstanding". That being the case I'm quite happy to view this account as UE!!
14/9/2018: Annual Statement" received from Moorcroft. Filed.
23/9/2019: Annual Statement received from Moorcroft. Filed.
6/10/2020: Annual Statement received from Moorcroft (no date, probably received in September). Filed.
29/4/2023: ACCOUNT IS NOW SB.

[Zeppelin]

Re: Zeppelin's UE Diary

14. CITICARDS (Account 3)

Citi credit card account
Pre-April 2007
Balance: £14,101
Date of last full payment: Between Sept 2009 and June 2010
Recently stopped paying the DCA
Account Owner: Moorcroft Debt Recovery Ltd

CCA request sent 18/2/2017
10/3/17: Response from Moorcroft: "In line with our client's procedure you are required to contact our client directly with your written request including the £1.00 fee". Further CCA request sent to CITI Cards 10/3/17. Don't understand this as Moorcroft's letters including this one show than as OWING the account.
24/3/2017: Reply from CITI: "Unfortunately we are unable to help you as the card account has been sold to a third party organisation. All information requests must be directed to the third party organisation who purchased your account".
28/3/2017: Following advice from Niddy this account is .....
17/9/2017: Annual Statement received from Moorcroft. Filed.
14/9/2018: Annual Statement received from Moorcroft. Filed.
23/9/2019: Annual Statement received from Moorcroft. Filed.
6/10/2020: Annual Statement received from Moorcroft (no date - probably received in September). Filed.
13/9/2021: Annual Statement received from Moorcroft. Filed.
10/9/2022: Annual Statement received from Moorcroft. Filed.
29/4/2023: ACCOUNT IS NOW SB.

[Zeppelin]

Re: Zeppelin's UE Diary

15. BARCLAYCARD (Account 0004)

Barclaycard credit card account
Pre-April 2007
Balance: £763
Date of last full payment: Between Sept 2009 and June 2010
Recently stopped paying the DCA
Account Owner: Wescot Credit Services

CCA request sent 18/2/2017
10/3/17: Response received from Wescot saying they're not the creditor but are instructed on behalf of the client. Wescot offered to re-direct CCA Request to Barclaycard - CCA request sent to Wescot accepting their offer on 10/3/17,: confirmed as delivered on 13/3/17.
19/3/2017: No further response from Wescot / Barclaycard. Although I was tempted to chase-up to try to force UE I'm leaving well alone following advice on AAD+ !!
22/3/2017: Letter from Wescot - ".... placed on hold until 15th April to await an update from you"
13/4/2017: No response from Barclaycard as yet.
22/4/17: No further response to CCA request. Wescot have sent two letters chasing payment dated 6/4 and 19/4, both ignored.
29/4/2017: Letter received from Barclaycard (not Wescot) ..."We need to advise you that regrettably we are unable to fulfil your request. As such we are not currently able to enforce our agreement with you and the agreement will remain unenforceable until such time as we are able to fulfil your request".
22/5/2017: Letter from Barclaycard ........."your account has been passed to Apex Credit Management Ltd to manage your account on our behalf......please contact ACM who will work with you to establish an affordable arrangement for repayment of the balance....." Ignored.
15/6/2017: Letter from Apex ..... "An alternative solution for your account ..... can consider a discounted settlement figure on this account.....". Filed.
21/6/2017: Letter from Apex offering three payment solutions. "If we don't hear from you we will continue to contact you because we need to discuss this account with you". Filed.
5/7/2017: Further fairly standard chasing letter from Apex. They may return the account to Barclaycard if they don't hear from me. Filed.
27/10/2017: Looks as if Apex have given-up as letter received from Barclaycard stating the account has now been passed to Wescot to manage the account on their behalf. Filed.
2/11/2017: Further chasing letter from Wescot, identical to a few others I've received recently. Filed.
9/11/2017: Another chasing letter from Wescot, this one with red headings identical to those recently received for Accounts 10 and 11. Filed.
20/11/2017: Reduced Settlement Offer received from Wescot. Filed.
6/12/2017: Further chasing letter from Wescot. Filed.
18/12/2017: "Confirmation of Residency" letter from 2F (Wescot) asking me to contact them urgently. Filed.
29/12/2017: Card from 2F - "Important Message" asking I contact them. Filed.
17/1/2020: Letter from Barclaycard saying they've assigned and transferred the account to Hoist Finance UK Holdings 3 Ltd. They have chosen Robinson Way to act on their behalf. Notice of Assignment also received from Hoist.
22/1/2020: Letter from RW asking me to contact them. Filed.
10/2/2020: Chasing letter from RW. Filed.
13/3/2020: Further chasing letter from RW. Filed.
14/4/2020: Letter from RW offering a 25% discount. Filed.
6/10/2020: Letter from RW dated 12/8/2020 offering a discount of 25%. Filed.
18/12/2020: Chasing letter from Hoist Finance (also advising that they're ..."now collecting on your account and we're here to agree a repayment plan with you". Filed.
9/1/2021: Further chasing letter from Hoist. Filed.
19/1/2021: Another chasing letter from Hoist. Filed.
26/7/2021: Chasing letter from Hoist. Filed.
2/8/2021: Letter from Hoist offering a discount. Filed.
28/8/2021: Chasing letter from Hoist .. "do you need some help to manage your account". Filed.
8/9/2021: Further chasing letter from Hoist offering a possible discount. Filed.
17/9/2021: Another chasing letter from Hoist. Filed.
23/9/2021: Letter from Hoist offering a discount of £121 on the balance claimed as o/s. Filed.
3/2/2022: Letter from Hoist ... "Do you need some help to manage your account". Filed.
3/3/2022: Letter from Hoist stating I may be eligible for a discount. Filed.
14/3/2022: Further letter from Hoist offering a discount. Filed.
11/4/2022: Another chasing letter from Hoist asking me to contact them. Filed.
20/6/2022: Further chasing letter from Hoist dated 18/5/2022 (received whilst we were on holiday). Filed.
4/8/2022: Further chasing letter from Hoist. Filed.
3/9/2022: Chasing letter from Hoist offering a discount of £121. Filed.
3/10/2022: Chasing letter from Hoist. Filed.
12/10/2022: Chasing letter from Hoist. Filed.
2/2/2023: Chasing letter from Hoist offering discount of £121.00. Filed.
2/3/2023: Chasing letter from Hoist. Filed. This account is now SB.
29/4/2023: Letter from Lowell stating Hoist has been acquired by the Lowell Group and asking me to contact them. Filed.
29/4/2023: ACCOUNT IS NOW SB.
17/5/2023: E-mail from Lowell asking me to contact them. Filed.
3/6/2023: Further letter from Lowell asking me to contact them. Quite forceful in its tone ... "if you don't engage with us, we'll continue to contact you by letter, email and phone. We may also pass your account to a third party, so get in touch and let us know what's happening today". Filed.0/5/2023: Furth e-mail from Lowell asking me to contact them. Filed.
7/7/2023: Further letter from Lowell offering 50% discount if I clear the balance in 12 months. Filed.
25/7/2023: E-Mail from Lowell asking me to contact them. Filed.
1/9/2023: Letter from Lowell asking me to contact them. Filed.
16/9/2023: Letter from Lowell offering 60% discount. Filed.
18/9/2023: E-mail from Lowell asking me to contact them. Filed.
7/11/2023: Text from Lowell asking me to contact them. Ignored.
18/12/2023: Chasing letter from Lowell. Filed.
28/12/22023: E-mail from Lowell asking me to contact them. Filed.
17/1/2024: Letter from Lowell offering 70% discount. Filed.
22/1/2024: E-mail from Lowell asking me to contact them. Filed.
22/2/2024: Letter from Lowell asking me to contact them. Filed.
1/3/2024: E-mail from Lowell asking me to contact them. Filed.
28/3/2024: Another letter from Lowell received whist I was on holiday. Offers an 80% discount. Filed. Alsop en e-mail from Lowell dated 11/3/2024. Filed.
3/4/2024: E-mail from Lowell asking me to contact them. Filed.
22/4/2024: E-mail from Lowell asking me to contact them. Filed.

[Zeppelin]

Re: Zeppelin's UE Diary

16. BARCLAYCARD (Account 5007)

Barclaycard credit card account
Pre-April 2007
Balance: £653
Date of last full payment: Between Sept 2009 and June 2010
Recently stopped paying the DCA
Account Owner: Cabot Financial Services

18/2/17 CCA request sent 18/2/2017
28/2/17 Reply from Cabot - They have requested the relevant details ... "which will include a copy of the credit agreement, statement of account and original and varied terms and conditions of the OC". They hope to to retrieve the info in 40 days. 40 days = 3 April 2017. TEMPORARILY UE
13/4/2017: No further response as yet.
29/4/2023: ACCOUNT IS NOW SB.

[Zeppelin]

Re: Zeppelin's UE Diary

17. BARCLAYCARD (Account 9009)

Barclaycard credit card account
Pre-April 2007
Balance: £325
Date of last full payment: Between Sept 2009 and June 2010
Recently stopped paying the DCA
Account Owner: AIC (UK) Ltd

CCA request sent 18/2/2017
10/3/17: Response received from Barclaycard: ....."we are not currently able to enforce our agreement ... and will remain UE until such time ....".
9/6/2017: Letter from Barclaycard: "Your account has now been passed to Wescot Credit Services to manage your account on our behalf". Filed.
15/6/2017: Letter from Wescot ......"we have been instructed by our client Barclaycard to make contact with you to discuss the outstanding balance on your account...... essential you contact us ...." Filed.
24/6/2017: Letter from Wescot saying they've conducted checks as they haven't heard from me that indicate ... "I'm a resident at the address above but we have not yet agreed a solution....." Some of the. content in red. Might soon be time to send them the SWID letter. Filed.
6/7/2017: Letter from Wescot offering a reduced settlement. Filed.
21/7/2017: General chasing letter received from Wescot. Filed.
2/8/2017: "Confirmation of Residency" letter from 2F (trading name of Wescot) - very similar to the latter from Wescot dated 24/6/17 mentioned above. Filed. 2F have also started making calls to the landline - Harassment template letter sent to 2F.
6/9/2017: Letter received from Wescot (not 2F). They are still conducting an investigation into the points I've raised but are unable to issue a final response as yet. The 'phonecalls from Wescot / 2F have stopped.
21/9/2017: Wescot letter: they got telephone number from Barclays - accept they should have cross-referenced data to other accounts I have with them - don't accept their calls were intrusive etc. - account has been placed on hold for 30 days pending me response. Still no CCA evidence. Filed.
26/10/2017: Card from 2F (Wescot) asking me to call them. Filed.
29/4/2023: ACCOUNT IS NOW SB.

[Zeppelin]

Re: Zeppelin's UE Diary

18. HALIFAX

Halifax credit card account
Pre-April 2007
Balance: £9780
Date of last full payment: Between Sept 2009 and June 2010
Recently stopped paying the DCA
Account Owner: Wescot Credit Services Ltd

CCA request sent 18/2/2017
10/3/17: Response received from Wescot saying they're not the creditor and are instructed by Halifax. Further CCA request sent to Halifax 10/3/17.
22/3/2017: Letter from Wescot - ".... placed on hold until 15th April to await an update from you"
10/4/2017: Reply from Halifax. They cant trace the account with the details supplied (Wescot's reference number). Halifax ask that I provide them with a valid 16 digit account number etc. Following Niddy's advice on Page 2 about getting tougher with DCA's I've sent a Wescot a copy of Halifax's letter, the £1.00 fee and NO other details insisting that they upon the original CCA request.
22/4/17: No further response from Wescot as yet.
3/6/2017: Reconstituted agreement received from Lloyds Banking Group. All documents seems like "pieces of paper to me": nothing seems at all specific to me in any way. Will ask Niddy for advice. They consider that in providing these documents they have satisfied their obligation to provide a copy of the executed agreement under Section 78. They go on to say ...."As such the agreement with us is fully enforceable and we shall continue to treat it as such. We will not be entering into any further correspondence with you regarding the requirements relating to the provision of copy agreement"
9/6/2017: Advice from Niddy is that its UE. All docs. filed for the time being - wait until they or Wescot contact me before considering a response.
10/6/2017: Further letter from Halifax: ..........."we have not been able to find a copy of the original signed statement". (A statement signed or otherwise was NOT included in the docs.received on 3 June). " ... we do not have to produce an actual copy of the document signed ...... we have satisfied our obligation to provide a copy of the executed agreement under Section 78 .... please note it has always been our process to ensure an agreement complying with the CCA requirements would have been signed by the customer before setting up a credit card account". None of which really seems the point!! And doesn't alter the fact that the account is currently
12/8/2017: Letter from Wescot (though with Halifax logo at the top). It seems to be a Statement of Account with transaction details covering 4/10/16 - 2/2/17 (the last payments I made on this account). The letter describes how payments will be allocated. Seems very standard and does not address the UE issue. Filed.
13/7/2018: Statement of Account from Halifax / Wescot. Filed.
21/7/2018: Letter from Halifax stating that as they've been unable to agree a suitable repayment plan we've transferred your Halifax debt to DCA Moorcroft Group. Quickly followed by a letter from Moorcroft asking me to contact them. Both Filed.
6/8/2018: Letter from Moorcroft threatening possible further action if I don't send them a payment proposal before 9/8/2018. Filed.
17/8/2018: Letter from Moorcroft offering "sensible monthly repayment plans". Filed.
7/9/2018: Letter from Moorcroft - aware I don't have a repayment plan and want me to contact them. Filed.
21/9/2018: Letter from Moorcroft threatening a home visit. AAD+ Harassment letter sent.
30/9/2018: Response from Moorcroft. They confirm they're happy to communicate in writing and have removed your telephone number from this account etc."
21/11/2018: "Discount Offer" letter received from Moorcroft. Filed.
21/12/2018: Letter from Moorcroft offering interest-free payment plan or a substantial discount. Filed.
24/1/2019: Letters from Halifax and Credit Security Ltd. The former telling me they've transferred the account to CSL - the latter asking me to contact them about repayment. Filed.
4/2/2019: Chasing letter from CSL. Filed.
5/6/2019: Statement received from Halifax. Filed.
17/6/2019: "Final Notice" letter from CSL. Unless I contact them within 10 days they will return the account to the client for further recovery action. Filed.
18/1/2020: Letter from Halifax stating they've assigned the account to Cabot Financial (UK) Ltd. Further letter enclosed from Cabot asking me to contact them. Filed.
5/2/2020: Chasing letter from Cabot. Filed.
19/3/2020: Further chasing letter from Cabot. Filed.
8/4/2020: Chasing letter from Cabot. Filed.
7/5/2020: Chasing letter from Cabot. Filed.
27/5/2020: Chasing letter from Cabot …. "you've been selected for legal action to commence by our solicitors.... our solicitors will then look to obtain a CCJ". Cabot have also been calling my mobile over the last 2/3 weeks - I've blocked they're number although they leave automated voicemails asking me to call back. No further evidence has ever been supplied beyond the documents mentioned at the posts dated June 2017. As I haven't previously received any correspondence threatening legal action before however, post made on AAD+ for advice though I'm sure Cabot must realise that full evidence relating to the CCA request has never been forthcoming.
Copy of letter later sent to DBM.
4/6/2020: Further letter from Cabot …. "Avoid legal action … you have 21 days remaining before we place your account with our solicitors, so lets talk you through what's going to happen if legal action starts etc, etc". e-mail sent to DBM asking for advice; in particular I'm not sure if it would be relevant in any way to send Cabot the SWID or Standard TOG template letters.
16/6/2020: Just a brief note to mention Cabot are calling my mobile number several times a week, which I imagine are all in relation this account. I've blocked their number and haven't returned any of their calls (nor will I do). Since the last post form 4th June I've been advised not to send Cabot any of the template letters; their last letter said they MAY refer the case to their solicitor etc.
20/6/2020: Following further calls from Cabot, all of which I've ignored, a text arrived today asking me to open the link to a letter they've sent; I didn't open the link. The letter itself arrived today however which states.... "your account will be placed with our solicitors in 7 days". Date of letter was 17/6/2020. The letter goes on to say that I haven't contacted them and the full balance is due - they take this matter seriously - they've given me ample notice but I've taken no action to prevent this (legal action).
25/6/2020: SAR request sent to Halifax.
7/7/2020: Further letter from Cabot dated 2/7/2020 …. "as we have not heard from you we are referring your account to Mortimer Clarke solicitors. They will want to speak to you within the next seven days where they will review your situation and help you arrange the most suitable solution for you based on your circumstances".
Still receiving calls from Cabot, typically every other day: I still have their numbers blocked and don't reply in any way to their requests to contact them.
10/7/2020: Still receiving regular calls from Cabot asking me to contact them, all of which I've ignored. Response to SAR request received from Halifax asking if I want electronic media or not. Letter also received today from Mortimer Clarke, the thrust of which is that they want me to contact them to resolve matters etc. If I don't contact them within 14 days of 6th July they will issue court proceedings.
15/7/2020: Two further calls from Cabot over the last 5 days despite them having referred the account to their solicitors; both calls ignored.
20/7/2020: SAR response returned to Halifax on 17/7/2020 asking for ALL content to be sent to me. I didn't respond to the latter from Mortimer Clarke.
24/7/2020: Two further calls from Cabot this week, both blocked and not returned. Nothing from Mortimer Clarke as yet though they're Letter of Claim is no doubt on its way.
1/8/2020: Letter of Claim received from MC. After checking with AAD+ no response to be sent.
7/10/2020: The Cabot case collapsed very quickly once JCS were fully involved. A Notice of Discontinuance has been issued. In effect, the "debt" has been written off and the account cannot be sold on to any other DCA. SUCCESS!! Thanks again JCS.
20/5/2021: After sending the DSAR for this account to JCS they've confirmed that, as no interest was charged after the account was "closed" by Sainsbury's no further action in relation to a Notice of Sum in Arrears not having been issued is relevant.
24/5/2021: Letter from Cabot (for no apparent reason) sating ... "your account is no longer with our solicitors, it has been returned to Cabot Financial. You don't need to do anything and no further action will be taken to collect your outstanding balance".

[Zeppelin]

Re: Zeppelin's UE Diary

19. SAINSBURY

Sainsbury credit card
Pre-April 2007
Balance: £5300
Date of last full payment: Between Sept 2009 and June 2010
Recently stopped paying the DCA
Account Owner: Cabot Financial Ltd

18/2/17 CCA request sent.
28/2/17 Reply received from Cabot .. requested the relevant details .... "which will include a copy of the credit agreement, statement of account and original and varid terms and conditions from the OC". They hope to have the info in 40 days. 40 days = 3 April 2017.
13/4/2017: No further response from Cabot as yet.
22/4/17: No further response from Cabot as yet.
29/4/2023: ACCOUNT IS NOW SB.

[Zeppelin]

Re: Zeppelin's UE Diary

20. HSBC

HSBC credit card
Pre-April 2007
Balance: £4140
Date of last full payment: Between Sept 2009 and June 2010
Recently stopped paying the DCA
Account Owner: Cabot Financial Ltd

18/2/17 CCA request sent.
28/2/17 Reply received from Cabot .. requested the relevant details .... "which will include a copy of the credit agreement, statement of account and original and varid terms and conditions from the OC". They hope to have the info in 40 days. 40 days = 3 April 2017.
13/4/2017: No further response from Cabot as yet.
22/4/17: No further response from Cabot as yet.
23/5/2019: Letter from Resolvecall threatening a home visit to …"put me back in touch with Cabot". Amended Sold In Dispute letter sent to Resolvecall 23rd May telling them a home visit would not be welcome and would serve no purpose.
17/6/2019: Letter from Resolvecall to the effect that … "they act only as a reconnection company for our client … can we please ask that you contact us etc". Filed.
12/8/2019: Letter from Cabot. They've asked Ruthbridge Ltd to manage the account on their behalf. Letter also received from Ruthbridge asking me to contact them re repayment terms etc. Filed.
5/3/2020: Letter from Resolvecall who state they've been instructed by Cabot Financial to recover the above balance (£3,642.36). The letter says Cabot have approved a discount though doesn't say what exactly. The letter goes on to ask me to contact Resolvecall though unusually in my experience of them, the letter IS NOT THRTEATENING A HOME VISIT. As home visit is not being threatened no action needed from me. Filed.
7/1/2021: Cheque for £50 received today from First Direct with brief explanatory note stating ... "we've reviewed the quality of service that you've received and identified that it did not meet the standard we would expect. We're therefore making a payment to you to compensate for the experience".
Although the cheque seems to have been issued by HSBC the accompanying letter is from First Direct: as such I think its more relevant to the bank account and/or the credit card I had with First Direct (see AAD Account No. 21) rather then the credit card I had with HSBC.
5/7/2021: Letter from Resolvecall asking me to contact Cabot. Filed. Also received two other letters from Resolvecall asking me to contact Cabot re two other accounts (RBS and Mint).
29/4/2023: ACCOUNT IS NOW SB.

[Zeppelin]

Re: Zeppelin's UE Diary

21. FIRST DIRECT

First Direct credit card and Current Account Overdraft
Pre-April 2007
Balance: £4,400
Date of last full payment: Between Sept 2009 and June 2010
Still paying the DCA
Account Owner: Metropolitan Collection Services Ltd though the debt may well still be owned by HSBC

Incomplete CCA request sent to Metropolitan December 2016. (This was the first CCA request I sent and before I had much idea of what I was doing and didn't specify sections 77-79). HSBC replied saying Section 78 does not apply to current accounts). I'm certain the overall debt is in relation to both the FD credit card and FD current account with the majority stemming for the credit card. Will need to send a complete / regular CCA request based on the AAD template and establish the split between the credit card and current account. It seems as if Metropolitan are just a collection agent however with HSBC still owing the debt and as such they're more likely to have the original documentation or so I thought.
25/2/2017 Correct CCA request (AAD template) and "Overdraft CCA" request sent to Metropolitan with covering letter.
19/3/2017: No response from Metropolitan. Although I was tempted to chase-up to try to force UE I'm leaving well alone following advice on AAD+ !!
13/4/2017: No response from Metropolitan for either account as yet.
22/4/17: No response from Metropolitan for either account as yet.
12/5/2017: HSBC letter stating the above balance is now in arrears by £6.60. The reference is only in relation to the bank account and doesn't have a reference for the credit card account. Ignored.
7/6/2017: General chasing letter from HSBC. The reference number given is that of the old bank account with no reference to the credit card. The overall balance definitely covers both however. HSBC state "further collection activity such as calls and letters will continue. This may also include the account being placed with an external DCA. Still no response to the CCA request. Filed.
29/6/2017: Further letter from HSBC. "Unless we can come to am agreement we intend to instruct a DCA to recover this debt". (I hope they do). HSBC offer a 30% discount as F&F settlement in the letter. Filed.
6/9/2017: Letters from HSBC and Cabot. HSBC have sold the account to Cabot Financial (Europe) Ltd - all contact should now be with Cabot. Letter also received from Cabot asking me to contact them re payment. Still no CCA evidence produced. Both letters filed.
25/9/2017: Further letter from Cabot, identical to Cabot letters in relation to other accounts they're now managing. "We really want to help you"..... offering personal payment plans and flexible plans. Still no CCA evidence ever supplied. Filed.
26/10/2017: Standard chasing letter from Cabot. Still no CCA evidence. Might to send Cabot the "sold in dispute template letter" but not at the moment. Filed.
14/11/2017: Another chasing letter from Cabot. Filed.
30/11/2017: Another chasing letter from Cabot. Their letter suggests its in relation to the old FD Current Account. If so the amount stated is wrong and must be the total of a combination of the current account overdraft and credit card. Filed.
18/12/2017: Chasing letter from Cabot apparently in relation to the FD Current Account (see above). Asks me to complete a budget sheet. Filed.
11/1/2018: Letter from Cabot - "Tell us your budget, save £50". Filed.
26/1/2018: Statement of Account received from Cabot. Filed.
15/3/2018: Chasing letter from Cabot.... "we need your attention ...... your account has been reviewed for legal action... you need to contact us within 28 days to prevent this from happening". STILL NO CCA EVIDENCE EVER SUPPLIED. Filed.
29/3/2018: Letter from Cabot headed .. "potential legal action". "Our typical approach would be to instruct a solicitor to issue a claim for the amount due and then make an application for a CCJ to be awarded against you". I think there are two points here: A. No CCA evidence has ever been supplied, either by Metropolitan who originally were acting on behalf of First Direct or Cabot and B. Cabot's letter states a sum of £4520.35 is outstanding in respect of the First Direct Current Account. That however is the total of the current account AND a First Direct credit card. As above I sent two CCA requests, one for each account. This letter does seem more threatening and will ask for advice on AAD+.
3/4/2018: Following input on AAD+ (thanks Roger) SWID template letter sent to Cabot by Recorded Delivery. SAR request to be sent to First Direct.
5/4/2018: On the very day Cabot received the SWID letter (checked through the tracking service) I received a letter from Cabot headed .. "We will not be pursuing legal action at this time ... we do think it is appropriate to your current circumstances" Filed. Treating this account as ?
21/4/2018: Letter from Cabot in response to my SWID letter: ....They note that the account is formally in dispute with Metropolitan ...."as we have not received such a request from you (a CCA request?) we were not aware this was required. I have referred your account to the relevant department who will contact you in due course" (Not sure what they mean by this). Thereafter some general stuff under the heading "conclusion" (they have not harassed me ... contacting me for a legitimate reason". Filed.

23/5/2019: Letter from Resolvecall threatening a home visit to …"put me back in touch with Cabot". Amended Sold In Dispute letter sent to Resolvecall 23rd May telling them a home visit would not be welcome and would serve no purpose.
17/6/2019: Letter from Resolvecall to the effect that … they act only as a reconnection company for our client, can we please ask that you contact us etc. Filed.
11/11/2020: Text from Cabot received today asking me to contact them in relation to this account. There have also been texts from Cabot in May, August and September. I feel I'd like to reply only to the extent of confirming that I'll only communicate in writing though it might be better to leave well alone. Will post a thread on AAD+.
7/1/2021: Cheque for £50 received today from First Direct with brief explanatory note stating ... "we've reviewed the quality of service that you've received and identified that it did not meet the standard we would expect. We're therefore making a payment to you to compensate for the experience".
Although the cheque seems to have been issued by HSBC the accompanying letter is from First Direct: as such I think its more relevant to the bank account and/or the credit card I had with First Direct rather then the credit card I had with HSBC (see AAD Account No. 20).
11/1/21: Another text from Cabot asking me to call. Previous texts as detailed in update dated 11/11/20.
17/3/2021: Letter from Cabot offering 25% discount. Filed.
30/3/2021: Text from Cabot re this account, Ref: 34480340. The text asks me to contact them regarding the offer mentioned in the update above. Ignored. Seems Cabot are still ignoring the request I made in writing to stop contacting me via my mobile number. (This in relation to one of the M&S accounts).
14/4/2021: Text from Cabot to my mobile asking me to contact them. Ignored.
19/4/2021: Letter from Cabot asking me to contact them. Filed.
22/4/2021: Letter from Cabot received by text to my mobile asking me to contact them. Filed.
21/5/2021: Further chasing letter from Cabot. Filed.
17/6/2021: Letter from Cabot stating they've asked Resolvecall to visit. I've sent several letters to Resolvecall/Cabot telling them strongly that such a visit is not required and not welcome etc using the AAD template letter which they seem intent on ignoring. I'm not doing so this time but might refer it to FCA following the MP's letter.
11/8/2021: Letter from Cabot advising the account is now back with them and asking me to contact them. One of three such letters from Cabot received today. Filed.
2/9/2021: Chasing letter from Cabot received, one of three such letters from Cabot received today. Filed.
1/10/2021: Further chasing letter from Cabot asking me to set up a payment plan. Filed.
5/10/2021: Letter from Cabot sent to my mobile through a text - "start taking positive steps to repay". Filed.
9/10/2021: Further text from Cabot sent to my mobile asking me to contact them. Filed.
20/10/2021: Another chasing letter from Cabot offering a discount of 40%. Filed.
22/10/2021: Almost exactly the same letter as the one above received today from Cabot offering a discount of 40%. Filed.
8/11/2021: Chasing letter from Cabot offering a 40% discount. Filed.
26/11/2021: Another chasing letter from Cabot asking me to set up a payment plan. Filed.
23/12/2021: Another chasing letter from Cabot asking me to set-up a payment plan. Filed.
11/2/2022: Letter from Resolvecall asking me to contact them and threatening a home visit if I don't. I'm going to ignore the Resolvecall letter this time. Filed.
21/3/2022: Text to my mobile from Resolvecall... " we have not received contact from you following our recent visit to your property. Please contact us urgently". A representative from Resolvecall did call at the house on Friday 18th March. I chased him and asked that he pass on to his office that if Resolvecall call again I'll lodge a complaint with my MP, FCA and my solicitor (JCS). He didn't get as far as saying which account he was here about though I assume it either this one or the M&S Personal Reserve account (No.22) about which I also received a text on 18th March asking me to contact them.
1/7/2022: Letter from Cabot; the account is now back with them and Cabot want me to contact them. Filed.
22/7/2022: Chasing letter from Cabot. Filed.
25/8/2022: Further chasing letter from Cabot. Filed.
5/9/2022: Further chasing letter from Cabot offering a discount of 75%. Filed.
5/1/2023: Letter from Cabot offering a saving of £3,390.26 leaving £1130.09 to pay. Filed.
31/3/2023: Letter from Cabot saying they've referred the account to Ruthbridge. Further letter from Ruthbridge enclosed asking me to contact them. Filed. NOTE: Cabot said in April 2018 they would not be pursuing legal action etc. NOTE: The account is SB now in any event.
29/4/2023: ACCOUNT IS NOW SB.
4/5/2023: Letter from Ruthbridge offering a discount; pay £904.07 in settlement of the account. Filed.

[Zeppelin]

Re: Zeppelin's UE Diary

22. M&S MONEY - PERSONAL RESERVE


Pre April-2007
Balance: £3185
Date of last full payment: Between Sept 2009 and June 2010.
Still paying the OC
Account Owner: M&S Money

I've seen the threads about M&S Personal Reserve accounts and will act on that advice.
17/3/17: CCA letter sent to M&S Bank.
22/4/17: Documentation received from M&S. Waiting on Niddy getting back to me regarding the M&S credit card docs (see No. 24) before sending the docs for the docs for the PR account.
28/4/2017: Waiting on contact from M&S but likely to be ?
9/6/2017: Letter from M&S for all three accounts (22, 23 and 24 in my UE Diary) suggesting I contact StepChange Debt Charity. Filed.
24/6/2017: Standard chasing letter from M&S. Filed.
1/7/2017: Further chasing letter from M&S suggesting I contact Stepchange. Filed. They've sent the same letter for account number 23 (Chargecard). However, for the credit card account (Number 24) they've advised that they ...... "have asked Wescot to take responsibility for the account" Sounds like good news!!
29/8/2017: Letter from M&S Bank advising they've transferred ownership of the account to Cabot. All further queries should be directed to Cabot. Letter also received from Cabot asking me to contact them. Both letters filed.
17/9/2017: Further standard chasing letter from Cabot. Filed.
21/10/17: Cabot letter - "What you should do now"...... standard chasing letter saying I have options - asks me to contact them. Filed.
8/11/2017: Another chasing letter from Cabot. Filed.
24/11/2017: Chasing letter from Cabot. Filed.
9/12/2017: Further chasing letter from Cabot - ".... working within your budget" etc. Filed.
6/1/2018: Cabot letter - "Tell us your Budget, save £50" asking for I and E information. Filed.
18/2/2018: Further standard chasing letter from Cabot. Filed.
19/3/2018: Another chasing letter from Cabot. For the moment I'm not sending the template letter specific to M&S Personal Reserve accounts though might be needed before long. Filed.
23/4/2018: Letter from Cabot. "As we've been unable to reach an agreement to repay your account we have asked Debt Managers (Services) Ltd to manage your account for us. Filed.
12/5/2018: Letter received from Debt Managers asking me to contact them. Filed.
31/5/2018: Chasing letter received from Debt Managers. Filed.
13/6/2018: Further chasing letter from Debt Managers asking me to make repayments - also offers a reduced payment settlement. Filed.
9/7/2018: Statement of account received from Cabot. Filed.
30/7/2018: "Welcome Back" letter from Cabot received. "We have decided we would like to work with you directly and have asked them (Debt Managers) to return the case to us". Asks me to contact them re payment plans. Filed.
31/8/2018: Further "Welcome back to Cabot letter" received asking me to contact them. Filed.
21/9/2018: "A new approach" letter received from Cabot. Filed.
13/10/2018: Letter from Cabot offering various repayment options. Filed.
23/11/2018: Further chasing letter from Cabot. Filed.
21/12/2018: Chasing letter from Cabot. Filed.
23/1/2019: Letter from Cabot .. "Tell Us Your Budget - Save £50". Filed.
16/3/2019: Chasing letter from Cabot with discount and monthly repayment offers. Filed.
12/4/2019: Letter from Cabot with "payment options". Filed.

5/10/2019: Letter from Cabot. "You're account was being managed by an agent of ours". Don't understand as all recent letters have been from Cabot. Filed.
17/10/2019: Letter from Cabot asking me to contact them. Filed.
31/10/2019: Further chasing letter from Cabot. Filed.
14/11/2019: Chasing letter from Cabot. Filed.

23/12/2019: Letter from Cabot stating they've passed the account to Robinson Way as they've been unable to obtain an agreement to repay the account. Letter from RW asking me to contact them re an affordable payment plan. Both Filed.
10/1/2020: Chasing letter from RW. Filed.
25/1/2020: Further letter from RW asking me to contact them. Filed.
3/3/2020: Letter from RW offering a discount of 25%. Filed.
18/4/2020: Further chasing letter from RW. Filed.
2/6/2020: Letter from Cabot Financial stating the account has been returned the account to Cabot Credit Management Group and asking me to contact them. Filed.
24/6/2020: Letter from Cabot …. "we're waiting for you to set up a plan". Filed.
24/7/2020: Letter from Cabot.... "lets get back on track with a payment plan". Filed.
10/8/2020: Text from Cabot containing a letter which despite downloading twice has no actual content. Saved to e-mail folder in Outlook and M&S PR folder.
6/10/2020: Letter from Cabot dated 8/8/2020 stating they've instructed Resolvecall to visit to "put me back in touch with us". Letter sent to Resolvecall by Recorded Delivery dated 20/8/2020 stating such a visit is not required and not welcome etc.
18/1/2021: Text received from Cabot asking me to call them.
23/1/2021: Chasing letter from Cabot. Unusual in that it specifies £11.40 has having been repaid to date??? The letter asks me to contact them. Filed.
8/1/2021: Further chasing letter from Cabot. Filed.
17/4/2021: Another text from Cabot asking me to call them. Ignored.
29/4/2021: Letter from Cabot stating they've instructed Resolvecall to call at my home address. Letter sent to Resolvecall the same day making it clear any visit from them is not needed and not welcome.
20/5/2021: Letter from Resolvecall this time stating if I don't contact them within seven days that will lead to ... "a personal visit being made by one of our representatives to your home" etc. Letter sent by return to Resolvecall making it clear any visit from them is not needed and not welcome.
28/5/2021: Reply from Resolvecall. They state ... "my telephone numbers have been removed to honour my request". the rest of the letter re-states they've been asked by Cabot to contact me and manage a Resolvecall account on-line. Filed.
22/9/2021: Letter from Cabot stating the account is now back with them and asking me to set-up a payment plan. Filed.
13/10/2021: Chasing letter f rom Cabot. Filed.
11/12/2021: Chasing letter received from Cabot. Filed.
10/1/2022: Chasing letter from Cabot. Filed.
4/3/2022: Letter from Cabot advising that as they've been unable to reach an agreement to repay the account they've asked BPO Collections to manage the account for the. Letter enclosed from BPO asking me to contact them. Both filed.
18/3/2022: Text sent to my mobile from BPO asking me to contact them. Ignored. REFER TO THE POST DATED 22/3/2022 ON ACCOUNT NO.21 RE A VISIT FROM RESOLVCEALL ON 18TH MARCH.
31/3/2022: Texts from BPO to my mobile on 10th, 16th, 18th and 31st March asking me to call them. Some phonecalls from BPO as well during this period, all ignored.
5/4/2022: Further text from BPO to my mobile. Ignored.
20/4/2022: Another text from BPO asking me to contact them. Ignored.
15/4/2022: Three further texts from BPO between 5th and 12th May asking me to contact them. All ignored.
22/7/2022: Letter from Cabot; the account is now back with them and asks me to set up a payment plan. Filed.
11/8/2022: Chasing letter from Cabot. Filed.
5/9/2022: Eight Statements of Account (!!!!!!) received from Cabot with covering letter which states no action is required. They cover an overall period from 20th January 2019 to 20th July 2022. All filed.
23/9/2022: Chasing letter from Cabot offering a discount of 75%. Filed.
19/1/2023: Letter from Cabot offering a discount of £2,380.78 leaving a balance to pay of £793.59. Filed.
30/6/2023: Letter from Cabot offering a discount of 90%. (same discount as offered in January). Filed. Also a 'phonecall from Cabot in the last few days which didn't mention which account they were contacting me about. Ignored.

[Zeppelin]

Re: Zeppelin's UE Diary

23. M&S CHARGECARD

M&S Chargecard
Pre-April 2007
Balance: £694
Date of last full payment: Between Sept 2009 and June 2010.
Still paying the OC
Account Owner: M&S Money

I'm not sure if a Chargecard is treated the same way in terms of the CCA 1974. Assuming it is CCA request to be sent though debt id still with the OC and more likely to have the original documentation.
17/3/17: CCA letter sent to M&S Bank
22/4/17: Documentation received from M&S. Waiting on Niddy getting back to me regarding the M&S credit card docs (see No. 24) before sending the docs for the docs for the PR account.
28/4/2017: I'm sure the application was completed in-store as suggested by Niddy. In any event, no legible original terms
9/6/2017: Letter from M&S for all three accounts (22, 23 and 24 in my UE Diary) suggesting I contact StepChange Debt Charity. Filed.
24/6/2017: Standard chasing letter from M&S. Filed.
1/7/2017: Further chasing letter from M&S suggesting I contact Stepchange. Filed. They've sent the same letter for account number 223 (Personal Reserve). However, for the credit card account (Number 24) they've advised that they ...... "have asked Wescot to take responsibility for the account" Sounds like good news!!
9/8/2017: Letter from Moorcroft stating M&S have passed the account to them to act as collection agents followed a few days later by a letter from M&S confirming this. M&S say all future payments and account queries should be directed to Moorcroft. Filed.
21/8/2017: Further chasing letter from Moorcroft. May have to respond re there being no original legible terms but for the time being Filed.
5/9/2017: Moorcroft offering a "repayment plan" including instalments and reduced amount to clear the account. Think it would still be better to wait before sending a No Legible Terms template letter. Filed.
18/9/2017: Further letter from Moorcroft offering repayment plans and discounts. Filed.
5/10/2017: Discount Offer letter from Moorcroft. No Legible Terms letter to be sent once they get more threatening. Filed.
26/10/2017: Fairly standard chasing letter from Moorcroft. Filed.
22/1/2018: Letter from M&S advising the account has been passed to Fredrickson International Ltd. Filed.
26/1/2018: Standard chasing letter from Fredrickson received. Filed.
26/2/2018: Further chasing letter from Fredrickson. Filed.
29/3/2018: Letter from Fredrickson wanting me to call them to arrange a payment plan. Filed.
28/4/2018: Letter from Fredrickson offering a 40% discount if I pay the balance in one go. Filed.
12/11/2018: Letters from M&S and Cabot. M&S have transferred ownership of the account to Cabot who want me to contact them. Both filed.
29/11/2018: Chasing letter from Cabot offering various payment plans. Filed.
02/01/2019: Chasing letter from Cabot, "exploring options for repaying". Filed.
23/1/2019: General chasing letter from Cabot. Filed.
21/2/2019: Chasing letter from Cabot. Filed.
21/3/2019: Chasing letter from Cabot. Filed.
5/10/2019: Letter from Cabot. "You're account was being managed by an agent of ours". Don't understand as all recent letters have been from Cabot. Filed.
17/10/2019: Letter from Cabot asking me to contact them. Filed.
31/10/2019: Further chasing letter from Cabot. Filed.
14/11/2019: Chasing letter from Cabot. Filed.
13/12/2019: "Time to Save £204.87" Letter from Cabot. Filed.
3/1/2020: Chasing letter from Cabot. Filed.
14/1/2020: Further chasing letter from Cabot. Filed.
25/2/2020: Chasing letter from Cabot offering a 30% discount. Filed.
8/4/2020: Further chasing letter from Cabot. Filed.
30/4/2020: Letter received from Cabot …. "work out your budget etc". Filed.
1/6/2020: Further letter from Cabot …. "tell us your budget, save £50". Filed.
9/6/2020:Letter from Cabot offering a discount of 50%. Filed.
24/7/2020: Letter from Cabot .... "send us your budget planner, get a plan in place!". Filed.
6/10/2020: Letter from Cabot dated 14/8/2020 ... "save £170.72 on your account". Filed.
12/10/2020: Letter from Cabot offering 50% off. Filed.
28/11/2020: Letter from Cabot. A general chasing letter though a bit more threatening than before.... "if we don't hear from you soon you will find that our contact to you will increase". Filed.
14/12/2020: Further chasing letter from Cabot.... "we wrote to you 19 days ago requesting contact, we still haven't heard from you. Burying your head in the sand won't make this account go away". Discussed with JCS; do nothing. Filed.
19/1/2021: Further chasing letter received from Cabot. This one is less threatening and asks me to call them to "take control of your account". Filed.
11/2/2021: Letter from Cabot saying they've asked BPO to manage the account for them. Letter also received from BPO asking me to contact them; their letter refers to Cabot as "our client". Filed.
2/3/2021: Letter from BPO which is partly a response in relation to the discount offered by Cabot on account No. 24. BPO say a discount is not available on this account and ask me to contact them. Filed.
31/3/2021: Text to my mobile from BPO. I think they must have got my mobile number from Cabot. The text asks me to contact them. Filed.
1/4/2021: Letter from BPO stating they've been instructed by Cabot Financial to recover the balance of the "overdue account". The letter offers a discount of 25% (£170.72) and asks me to contact them. Filed.
5/4/2021: Another text from BPO asking me to contact them.
6/4/2021: Yet another text to my mobile number from BPO asking me to contact them. 3 texts in 7 days seems excessive.
14/4/2021: Another text apparently from BPO, thought not sure which account it's supposed to relate to: The text says: "The card you use for regular payments to BPO is due to expire. Please contact us on 0141 375 0900 or visit www.bpocollections. co.uk to update your account with your new card details". Tne text came from this number: +44 7812 468264. Ignored.
19/4/2021: Yet another text from BPO asking me to contact them in relation to their reference: 122159706. Ignored.
21/4/2021: Another text from BPO asking me to contact them. Ignored.
29/4/2021: Letter from BPO offering a discount of 50% on the claimed outstanding balance. Filed.
12/5/2021: Text from BPO asking me to call them today. Ignored.
19/5/2021: Another text from BPO asking me to contact them. Ignored.
24/5/2021: Yet another text from BPO asking me to contact them today. Ignored.
17/6/2021: Letter from Cabot stating the account is back with them and asking me to get in touch. Filed.
11/6/2021: Chasing letter from Cabot. Filed.
4/8/2021: Text to my mobile from Cabot asking me to contact them. Ignored.
7/8/2021: Chasing letter from Cabot. Filed.
11/8/2021: Another chasing letter from Cabot, the fourth today for various accounts. Thus one sent by text to my mobile. Filed.
26/8/2021: Text sent by Cabot to my mobile asking me to contact them. Ignored.
3/9/2021: Letter from Cabot offering a discount of 70%. Filed.
4/9/2021: Exactly the same letter as the one received by post on 3rd September received today via a text to my mobile number. Filed.
23/9/2021: Letter from Cabot offering a discount of 70% if I accept within 14 days. Filed.
2/11/2021: Text sent from Cabot to my mobile asking me to contact them. Ignored.
6/11/2021: Chasing letter from Cabot received. Filed.
10/11/2021: Another chasing letter received from Cabot sent to my mobile asking me to contact them. Filed.
2/12/2021: Chasing letter received from Cabot. Filed.
3/2/2022: Letter from Cabot offering discount of 70%. Filed.
21/2/2022: Letter from Cabot offering discount of 70%. Filed.
22/3/2022: Letter from Resolvecall asking me to contact them and threatening a home visit if I don't do so. Filed.
1/7/2022: Letter from Cabot; the account is now back with them and Cabot want me to contact them. Filed.
22/7/2022: Chasing letter from Cabot. Filed.
10/9/2022: Letter received from Resolvecall asking me to contact them and threatening a home visit if I don't Filed.
9/3/2023: Letter from Cabot offering a discount of 75%. Filed.
30/6/2023: Letter from Cabot offering a discount of 90%. (same discount as offered in January). Filed. Also a 'phonecall from Cabot in the last few days which didn't mention which account they were contacting me about. Ignored.

[Zeppelin]

Re: Zeppelin's UE Diary

24. M&S MONEY

M&S credit card
Pre-April 2007
Balance: £3660
Date of last full payment: Between Sept 2009 and June 2010
Still paying the OC
Account Owner: M&S Money

CCA request still to be sent though debt is still with the OC.
17/3/17: CCA letter sent to M&S Bank
22/4/17: Doc received for M&S and sent to Niddy on 12/4/17 for his opinion.
28/4/2017: The terms supplied by M&S are not those for this account. The documents sent contain PPI info that I didn't sign and state terms 8 and 16; however there is no term 16 and terms 8 doesn't apply to PPI.
30/5/2017: Letter from M&S Bank chasing payment and asking me to call them. This is the first contact I've had from them since they sent the CCA documents - very surprised its taken them so long! Letter ignored following guidance from AAD+ members is to ignore the earlier letters from OC or DCA (generally the first two?) if they're general, non legal threatening.
9/6/2017: Letter from M&S for all three accounts (22, 23 and 24 in my UE Diary) suggesting I contact StepChange Debt Charity. Filed.
1/7/2017: Letter from M&S saying they ..... "have asked Wescot to take responsibility for managing the account". Sounds like good news!! Filed. M&S are still sending fairly mild chasing letters for account numbers 22 and 23.
6/7/2017: Standard letter from Wescot chasing payment. Filed.
13/7/2017: Wescot have called three times in the last few days. I'm not sure which account this has been in relation to though it may well be this one as that's been the most recent contact. Harassment letter sent 13/7/17 telling Wescot to stop ALL calls in relation to ALL accounts.
15/7/2017: Letter from Wescot saying that as they have not had an update from me they have conducted additional checks including publicly available information that indicate I'm resident at the address they have for me. I'm to contact Wescot urgently. Filed.
21/7/2017: Response from Wescot to harassment letter: complaint is with their Customer Relations team for full investigation -they will replay in due course. Filed.
16/8/2017: Letter from Wescot - interim response to my complaint - they're "unable to issue you with our final response". Filed.
8/9/2017: Response from Wescot. They got my number through "publicly available information" (probably from M&S). Complaint not upheld - Wescot state that M&S are the data controller - Wescot will not contact me by phone re any other account. This account is placed on hold for 30 days pending my response. I suppose I'll have to send them a suitable response based on the note above dated 28/4/2017 fairly soon!
21/10/17: Standard chasing letter from Wescot offering a Reduced Settlement Offer. Filed.
27/10/2017: Further chasing letter from Wescot. Filed.
9/11/2017: Another chasing letter from Wescot (with no red headings unlike recent letters from them for other accounts!). Filed.
16/11/2017: Reduced Settlement Offer from Wescot. Filed.
27/11/2017: Another standard chasing letter from Wescot. Filed.
13/12/2017: Letter from M&S Bank stating they've now asked Credit Security Ltd to take responsibility for the account. Letter also received from CSL offering "a number of payment options available to you at this stage". Filed.
3/1/2018: Further letter from CSL ... "concerned to note we have not received a reply". CSL want me to complete a I&E proforma. Filed.
3/4/2018: Letter from CSL ... "unless we hear from you in the next 10 days your account will be returned to our client for further recovery action ..." Filed.
17/8/2018: Letters received from M&S Bank and Cabot, the former stating they've transferred ownership of the account to Cabot, the latter from Cabot asking me to pay the outstanding amount and contact them. Both filed.
7/9/2018: Letter from Cabot asking me to contact them. Filed.
30/9/2018: Standard chasing letter from Cabot. Filed.
22/8/2019: Letter from Ruthbridge. (no previous notification received that Cabot have transferred the account to them). "We have received no response to our previous attempts to contact you...." They offer potential discounts to settle the balance etc. Filed.
9/11/2019: Letter from Ruthbridge offering a "special discount" with a full and final payment of £728.47 in settlement. Filed.
22/1/2021: Letter from Cabot offering 90% discount. (I think this is the largest discount I've ever been offered). Filed.
26/1/2021: After discussion with Niddy, I sent a letter to Cabot today saying I'd be interested in accepting the 90% discount offer IF it was also applied to the other two M&S accounts that are still live (Accounts 22 and 23). Sent by RD though not received by Cabot until 29/1/2021.
1/3/2021: After seeking further guidance I'm going to ignore the offer of a 90% discount as it may well set a negative precedent in relation to the other accounts Cabot are managing.
8/3/2021: Letter from Cabot stating the account is no longer on hold and asking me to contact them. I think Cabot may well initiate a court claim for this account. The letter was sent via my mobile despite me very clearly telling Cabot not to contact me in this way and once again confirming with them that I will only communicate with them in writing.
31/1/2022: Letter from Cabot offering a discount of 90%, exactly as they offered this time last year (see postdated 22/2/2021). Filed.
24/11/2022: Letter from Cabot statingthey've asked BPO to manage the account. Accompanied by a letetr from BPO asking me to contact them and offering a discount of 60%. Filed.

[Zeppelin]

Re: Zeppelin's UE Diary

25. HFC

HFC (Beneficial credit card)
Pre-April 2007
Balance: £7892
Date of last full payment: Between Sept 2009 and June 2010
Still paying HFC / HSBC
Account Owner: HSBC??

I hadn't heard from HFC since 2012 and checked their website recently which showed that the bank had sold part of it's portfolio to HSBC. Encouraged as the account didn't now seem to be with the OC I missed a payment just to see what happened. HSBC contacted me quickly saying the full amount was due etc. I ignored that but resumed repayments although this was recently - January 2017. Not sure if HSBC will have the original documentation or not. CCA request to be sent.
14/3/17: CCA Request sent to HSBC. Received a letter from HSBC dated the day I sent the CCA: "Following a review of your account, we feel it would be advantageous if we could have a discussion confirm your present arrangements. We would also like the opportunity to explore all the options available to help you". "Please call .............." I haven't called or contacted them.
13/4/2017: No response to the CCA as yet.
22/4/2017: No further response from HSBC as yet. The CCA request sent by RD on 14/3/17 was definitely received by them on 16/3/17.
27/4/2017: Odd response received from HSBC ... "We cannot understand why your account is still in arrears. If you are experiencing a problem that is preventing you from paying the full amount owing would you please call us. We may be able to help". Ignored as per Niddy as they are in default.
25/5/2017: Further letter from HSBC: "...We are concerned that to date, we have not reached an acceptable arrangement with you.................. we are currently considering the appropriate course of action in order to recover the full balance of this account. To avoid your account being transferred to an external DCA or referred to our solicitor for legal action please pay the balance due within 7 days". I hope they do pass it to a DCA! Although I'm tempted to reply I've ignored it as they're still in default.
2/6/2017: Another letter from HSBC. This one's headed-up "FINAL DEMAND". The account is now being passed to our litigation department for commencement of legal proceedings or to instruct an external debt collection agency. They want me to call / pay the balance / pay something in 7 days. Still no response to the CCA request. My instinct is to just file this letter as well as they're still in default; if they do instruct a DCA then I think that would be a step in the right direction for me! Not sure though and will ask for advice on the forum.
7/6/2017: Following advice on AAD+ "standard threatogram" letter sent.
24/6/2017: Re-constituted agreement received. Doesn't look right to me but includes: Letter (with my surname spelt wrongly), blank photocopy of an application form where they've entered my name and address (current address rather than address when the account was opened), one page statement dated 10/517 and copy of a T&C leaflet. Part of the letter states...." in summary, our records confirm that you have conducted the above account in a way that suggest you have a relationship with the bank. In view of this HSBC holds you liable for the outstanding balance on the above account". Sent to Niddy for advice.
28/6/2017: Confirmed by Niddy as I think for all sorts of reasons!! Will check again with Niddy if need be but definitely

29/4/2023: ACCOUNT IS NOW SB.

[Zeppelin]

Re: Zeppelin's UE Diary

26. NAT WEST

Nat West credit card account
Pre-April 2007
Balance: £6557
Date of last full payment: Between Sept 2009 and June 2010
Still paying the OC
Account Owner: Nat West / Wescot

Nat West advised in June 2016 that Wescot would now "manage the remainder of your plan". Not sure if that makes it more or less likely the original documentation will be available. CCA request still to be sent.
14/3/17: CCA request sent to Nat West.
5/4/2017: Documents received from Nat West including application form, credit agreement, some pages of T&C and a leaflet on general conditions which looks very recent unlike the other docs. All poor quality copies. Niddy couldn't read the terms of the original application. Will wait until they hassle me and send back the illegible CCA template letter from AAD+.
22/4/17: No further contact from Nat West as yet.
10/5/2017: Card from 2F (a trading name of Wescot) asking me to call them - Ignored.
12/3/2018: Letter from Nat West.... " as we've been unable to contact you or agree a suitable repayment plan the account details have been passed to Robinson Way to act as a collection agent....." Filed.
24/3/2018: Letter from Robinson Way ....."Please contact us as soon as possible to agree your repayment plan". Filed.
12/4/2018: Letter from RW. "What can you afford to Pay". Filed.
26/4/2018: Letter from RW detailing payment options and possible availability of a settlement offer. Filed.
31/5/2018: Letter from RW ... "Offer of Repayment Required". They want me to contact them with a repayment offer in the next 14 days or the account may be returned tour client who will decide on the next course of action". That being the case I'll wait to see what they do before responding in any way.
19/9/2018: Letter from Nat West. "...….. your account details have been passed to Allied International (UK) Limited to act as our new collection agent..... Allied will contact you during the next 14 days etc". Filed.
19/10/2018: Letter from AIC offering …. "a flexible approach" and wanting me to contact them. Filed.
26/10/18: Further letter from AIC asking I contact them. Filed.
7/3/2019: Letter from Nat West. They've passed the account on to Moorcroft to act as their new collection agent. Moorcroft will be contacting me in the next 14 days. Filed.
16/3/2019: Letter from Moorcroft. An introductory-type letter saying they will contact me again within 7 days re repayment offers. Filed.
28/3/2019: Chasing letter from Moorcroft. Filed.
12/4/2019: Letter from Moorcroft offering monthly instalments. Filed.
26/4/2019: Letter from Moorcroft threatening further steps may be taken including continuing attempts to contact me by letter of phone or instructing a local rep. to visit. Filed.
14/5/2019: Chasing letter from Moorcroft also threatening a home visit. "Sold In Dispute" template letter sent, adding that a home visit is not required and would not be welcome.
25/5/2019: Reply from Moorcroft: They acknowledge I've raised a query and want to confirm how this will be investigated: they will not make contact while this issue is being investigated - however we may need to contact you if we require further details or clarify - account is placed on hold during communication with our client - when we have considered all information we will contact you again to advise of the outcome and next steps. Clear as mud but a home visit seems to be off for the time being!! Filed.
17/6/2019: Documents received from Nat West which are almost entirely the same as the original response to the CCA request made on 14/3/2017. The only difference is a statement dated 28th May 2019 stamped "Signed & Approved on behalf of RBSG". A leaflet titled "Important Information about your Credit Card" also enclosed. Filed.
25/1/2020: Letter from Moorcroft … "we do not appear to have received any contact from you in relation to our previous letter" …. Nothing has happened with this account since the last entry in June 2019 - not sure what has precipitated the letter from Moorcroft. Filed.
8/2/2020: Letter from Moorcroft suggesting I make a monthly instalment offer and ask I contact them. Filed.
22/2/2020: Chasing letter from Moorcroft. Filed.
19/3/2020: Letter from Moorcroft stating the account has been passed to their Home Collections Division which may involve a local representative calling at my home address. I meant to send one of the template letters back to them saying I'd only communicate with them in writing but forgot to send it!!
26/3/2020: Further letter from Moorcroft in which they state .. "in a final attempt to come to an arrangement we may be able to offer you a discount etc". Filed.
15/7/2020: Letter from Nat West. (Interesting that its from Nat West themselves and not a DCA). General chasing letter ...."we have been unable to agree a suitable repayment plan with you and wish to advise you that you continue to remain liable for the debt"...... "Even if we decide not to pursue you in the future for the repayment of your debt, information regarding your outstanding debt will continue to be reported to credit reference agencies".
I don't see how they could do so as the default date is now more than 6 years ago". Filed.
23/9/2022: Letter from Nat West stating they've assigned the debt to Lowell Portfolio Ltd LPI. Arrived with a letter from Lowell asking me to contact them. Filed.
8/10/2022: Chasing letter from Lowell. Filed.
24/10/2022: Further chasing letter received from Lowell. Filed.
7/11/2022: Further chasing letter from Lowell threatening "a different approach" if I don't contact them. Filed.
26/11/2022; Further chasing letter from Lowell stating they will consider taking further recovery action if I don't contact them. Filed.
7/12/2022: Letter from Lowell offering a discount of 70%. Filed.
7/1/2023: Letter from Lowell offering a discount of 80%. Filed.
2/2/2023: Letter from Lowell offering a discount of 90%. Filed.
29/4/2023: ACCOUNT IS NOW SB.