Invisible Man's UE diary

[InvisibleMan]

Re: Invisible Man's UE diary

MBNA

Credit card
Date commenced: 2001
Balance approx: £11,000
Date last full payment: 2009
Currently not paying
Status in arrears, defaulted 2009
Account owner: Hillesden Securities aka Direct Legal & Collections

Key:
Red text = creditor action
blue text = my action
green text = comment

2009
April 1. DMP offer made. (NB MBNA accept DMP payments every month until June 2011)
June 2. Letter from MBNA rejecting DMP offer!
Sept 9th 3. Demand letter from MBNA
Sept 25th 4. CCA request sent to MBNA
Oct 8th 5. MBNA reply to 4. above, with copy of agreement & separate T&Cs
Oct 9th 6. MBNA send sec 87 default notice
Oct 19th 7. MBNA send letter informing me they have sold the account to “Direct Legal (Dtl)”
Oct 26th 8. Letter from Direct Legal & Collections (dlc) that the account has been sold to “Hillesden, trading as Direct Legal & Collections (dlc)”
Nov 9th 9. Demand letter from dlc
Nov 14th 10. "Account in Dispute" Letter sent to MBNA, challenging the enforceability of the improperly executed agreement sent at 5. above
Nov 19th 11. “Notice of debt recovery” from dlc on behalf of Hillesden
Nov 24th 12. Letter from Hillesden in response to 10. above, admitting they cannot produce a copy of the agreement
Dec 16th 13. Letter from MBNA in response to 10. above, stating my objections “are not well founded” and "unacceptable"
2010
Jan 7th 14. Letter sent to Hillesden in response to 11. above, requesting all relevant documentation under the CPR
Jan 28th 15. A 2nd Sec 87 default notice received, from dlc “on behalf of Hillesden”
Feb 10th 16. Letter from Hillesden in response to 14. above, stating they are waiting for a copy of the original default notice from MBNA. They also enclose a “copy” of the agreement, but it is different to 5. above, as the T&Cs have an additional paragraph not in the earlier copy sent to me
Feb 19th 17. Letter from Hillesden quoting McGuffick v RBS, and admitting they “may not be able to enforce the agreement until the documentation is provided”, but will continue collection action anyway
May 19th 18. Letter from Hillesden stating that enclosed is a copy of the original default notice from MBNA, and that they will continue collection action. However there is no copy of default enclosed.
Throughout all the above, and continuing until June 2011 when the DMP started paying Hillesden, MBNA happily received DMP payments, even though they claim to have sold the account in 2009.
2016
March Letter from dlc informing me that the account has been bought by "ME 111 Limited", and stating that ME 111 Limited and Hillesden Securities are both part of the "Cabot Credit Management Group". Also says "although ME 11 Limited are the legal and beneficial owners of your account, you should continue to communicate with, and make payments, to your current service provider" - not sure if that refers to dlc or Hillesden?
2017
June 15th Letter from dlc providing statement of account for the last 6 years. States creditor name as MBNA
June Agreement sent to Niddy for checking

June 25th Niddy says the agreement is fairly illegible, and as it stands Advised to send illegibility template if they pursue it.

Update: I've just found a letter in my files, dated March 2016, from dlc (I've now inserted it into the timeline above), informing me that "ME 111 Limited" bought the account from Hillesden, and that they are both part of the "Cabot Credit Management Group". Should I send anything off to any of them, or sit tight for now?

Update

[InvisibleMan]

Re: Invisible Man's UE diary

NORTHERN ROCK

Unsecured loan
Date commenced: 2006
Approx balance: £12,000
Date last full payment: 2009
Currently not paying
Status in arrears, defaulted 2011
Account owner: Cabot

Key:
Red text = creditor action
blue text = my action
green text = comment

2009
April DMP started
2010
Oct Letter from Northern Rock stating loan now managed by NRAM
2011
Sept Sec 87 default notice from NRAM, even though the DMP has been up and running for over 2 years and no payments missed
Oct Letter from NRAM to say loan sold to Marlin
Oct NoA received from Marlin
2015
Feb Letter from Marlin advising they are now part of Cabot
2017
Apr Chase letter from Cabot ignored
May Chase letter from Cabot ignored
June 16th s77-79 request to Cabot
June 22ndChase letter from Cabot. Ignored

Update

[InvisibleMan]

Re: Invisible Man's UE diary

SAINSBURYS BANK 2

Unsecured Loan
Date commenced: 2008
Approx balance: £22,000
Date last full payment: 2009
Currently not paying
Status in arrears, defaulted 2009
Account owner: Cabot

Key:
Red text = creditor action
blue text = my action
green text = comment

2009
April DMP started
2010
Jun 8th Receive assignment letter from Cabot, enclosing photocopy of notice of assignment from Sainsburys (which I never received directly)
Jun 23rd I reply stating I do not accept the p'copy and need the original NoA.
July 14th One-line letter from Sainsburys saying the account is sold to Cabot. I have never received a NoA.
July 21st Letter from Cabot informing me that Sainsburys have confirmed they have sent a NoA. But they haven't....
Aug Letter from Cabot offering 85% discount for final settlement. Gives some indication of how little they paid to 'own' this debt
2017
Jan Stop DMP payments
Apr 14th Chase letter from Cabot. Ignored
Apr 29th Chase letter from Cabot. Ignored
May 31st "Talk to us" letter from Cabot. Ignored
To date I have never sent a SAR or CCA request.
June 22nd SAR sent to Sainsburys
June 22nd s.77-79 CA sent to Cabot
June 22nd chase letter from Cabot. Ignored

Update

[InvisibleMan]

Re: Invisible Man's UE diary

SAINSBURYS BANK 1

Credit card
Date commenced: 2008
Approx balance: £3000
Date last full payment: 2009
Currently not paying
Status in arrears, defaulted 2009
Account owner: Arrow Global
DCA: Moorcroft

Key:
Red text = creditor action
blue text = my action
green text = comment

2009
April DMP started
Aug S87 default notice served
Oct 31st Notice of intended litigation from Moorcroft
2010
Jan 7th Send letter to Moorcroft requesting docs under CPR
Jan 22nd Moorcroft reply stating they are in the process of obtaining a copy of the consumer credit agreement.
Feb 15th Moorcroft letter enclosing "requested documentation". All it contains is copy statements, but no agreement. The agreement was never supplied.
2017
Jan Stop DMP payments
Mar 17th Moorcroft send settlement offer. ignored
June 15th Letter from Moorcroft stating they are trying to contact me. Ignored
June 16th Receive statement of account from - wait for it - Arrow Global, also informing me that the account was assigned to them in April 2013, and that Moorcroft are managing the account on their behalf.
Nice of them to tell me the account was assigned 4 years ago, as I've never previously received any notice of this I have never sent a SAR or CCA request.
22nd June s.77-79 CCA request sent to Arrow Global
22nd June SAR sent to Sainsburys

Update

[InvisibleMan]

Re: Invisible Man's UE diary

MBNA

Credit card
Date commenced: 2001
Balance approx: £11,000
Date last full payment: 2009
Currently not paying
Status in arrears, defaulted 2009
Account owner: Hillesden Securities aka Direct Legal & Collections

Key:
Red text = creditor action
blue text = my action
green text = comment

2009
April 1. DMP offer made. (NB MBNA accept DMP payments every month until June 2011)
June 2. Letter from MBNA rejecting DMP offer!
Sept 9th 3. Demand letter from MBNA
Sept 25th 4. CCA request sent to MBNA
Oct 8th 5. MBNA reply to 4. above, with copy of agreement & separate T&Cs
Oct 9th 6. MBNA send sec 87 default notice
Oct 19th 7. MBNA send letter informing me they have sold the account to “Direct Legal (Dtl)”
Oct 26th 8. Letter from Direct Legal & Collections (dlc) that the account has been sold to “Hillesden, trading as Direct Legal & Collections (dlc)”
Nov 9th 9. Demand letter from dlc
Nov 14th 10. Letter sent to MBNA, challenging the enforceability of the improperly executed agreement sent at 5. above
Nov 19th 11. “Notice of debt recovery” from dlc on behalf of Hillesden
Nov 24th 12. Letter from Hillesden in response to 10. above, admitting they cannot produce a copy of the agreement
Dec 16th 13. Letter from MBNA in response to 10. above, stating my objections “are not well founded” and "unacceptable"
2010
Jan 7th 14. Letter sent to Hillesden in response to 11. above, requesting all relevant documentation under the CPR
Jan 28th 15. A 2nd Sec 87 default notice received, from dlc “on behalf of Hillesden”
Feb 10th 16. Letter from Hillesden in response to 14. above, stating they are waiting for a copy of the original default notice from MBNA. They also enclose a “copy” of the agreement, but it is different to 5. above, as the T&Cs have an additional paragraph not in the earlier copy sent to me
Feb 19th 17. Letter from Hillesden quoting McGuffick v RBS, and admitting they “may not be able to enforce the agreement until the documentation is provided”, but will continue collection action anyway
May 19th 18. Letter from Hillesden stating that enclosed is a copy of the original default notice from MBNA, and that they will continue collection action. However there is no copy of default enclosed.
Throughout all the above, and continuing until June 2011 when the DMP started paying Hillesden, MBNA happily received DMP payments, even though they claim to have sold the account in 2009.

2017
June Agreement sent to Niddy for checking

June 25th Niddy says the agreement is fairly illegible, and as it stands Advised to send illegibility template if they pursue it.

Update.

More good news

[InvisibleMan]

Re: Invisible Man's UE diary

HALIFAX (BANK of SCOTLAND)

Credit card
Date commenced: 2002
Balance approx: £4,000
Date last full payment: 2009
Currently not paying
Status in arrears, defaulted 2009
Account owner: PRA

Key:
Red text = creditor action
blue text = my action
green text = comment


2009
Sept S.87 default notice served by Halifax
2010
Feb 1st SAR sent to Halifax
Feb 19th Reply from Halifax. Includes Recon copy of 'agreement', which appears to be just T&Cs (See my comment at bottom of post). State they will send original agreement under separate cover. Warning about not using the services of a claims management company!
Mar 1st Send letter to Halifax pointing out I made a subject access request, not S.78, therefore I want a copy of the original agreement. They did not respond to this letter
Mar 6th Letter from Halifax admitting they are unable to provide a copy of the original agreement
2013
July 8th Letter from Halifax stating account assigned to Activ Kapital
July 8th Letter from Aktiv Kapital stating they have purchased account from LLoyds(!?). Since then it has always been referred to as a Lloyds account
2014
Nov letter received saying Activ Kapital has changed name to PRA Group
2015
Jan letter received saying account assigned to PRA No notice of assignment received
2017
Jan Stopped payments
May letter received demanding payment Ignored
June letter before claim received from PRA investigation & litigation dept. Letter demands response within x days or court proceedings will be issued
June 6th S.77-79 & LBA request letters sent to PRA
June 14th Letter recvd from PRA in response to CCA request stating account on hold whilst they obtain requested information.
June16th Letter recvd from PRA asking me to complete and return income & expenditure. Ignored
June 18th Agreement sent to to Niddy

Apart from the recon 'agreement' Halifax sent me above in response to SAR, I also have what I believe may be an original, similar, document when opening the account. However, they have very different content. Both sent to Niddy

June 25th Niddy says the 'agreements' are just random terms, so are Advised to send missing PTs template if they pursue it

Update!
Oh joy, can't wait for the next letter from PRA...

[InvisibleMan]

Re: Invisible Man's UE diary

MINT / RBS

Credit card
Date commenced: 2005
Approx balance: £10,000
Date last full payment: 2009
Currently not paying
Status in arrears, defaulted 2009
Account owner: RBS
DCA: Wescott

Key:
Red text = creditor action
blue text = my action
green text = comment

2009
April DMP started
May S87 default notice served
June 'Account terminated' letter from Mint
2016
July Letter from RBS that Wescott are now managing account
2017
May 6th Chase letter recvd from Wescott ignored
June 19th Original 'agreement' sent to Niddy
June 26th Niddy says the original has no signed agreement and no accurate terms, so is

Update. Great news

[Never-In-Doubt]

Yep perfect. Thanks.

[InvisibleMan]

I sent various agreements for UE checking. I'll go back over them and re-send. Which is the best way to send, to Webmaster email?

Thanks

[Never-In-Doubt]

Are you awaiting an email reply from me or are we up to date? If so please resend as I didn't download emails last week whilst I was away as it burned my data allowance.

Cheers.

[Joanna Connolly Solicitors]

Re: Invisible Man's UE diary

Is post #89 on the correct thread ??

Yes it is

See post # 61 on this thread

Di

[Still Waving]

Re: Invisible Man's UE diary

Is post #89 on the correct thread ??

[Joanna Connolly Solicitors]

Re: Invisible Man's UE diary

All your points taken Di and there's no alarm involved as such, it's more about whether detail as specific as that is required at such an early stage considering how much correspondence often seems to be involved - and perhaps balancing the pros & cons of slogging away putting it all out as opposed to just the really date critical material. Further down the road it could obviously be crucial to know exactly how many days have elapsed between point A & point B

Sorry I missed this post at the time you made it.

I think you'll just have to trust the forum to know what information is needed and when it's needed. AAD's objective is to prevent legal proceedings while at the same time 'building a case' event by event in readiness should a claim be issued.

Letters (and their dates) that may seem innocuous to the untrained eye, could be critical in the decision-making process along the line.

Or in other words, detail is needed at an early stage in order to be proactive with on-the-spot advice, in preference to waiting until a claim arrives when those dealing with the claim have a limited amount of time (days) to assess the member's likely prospects of success and advise accordingly.

Di

[Joanna Connolly Solicitors]

Re: Invisible Man's UE diary

The Cabot letters state half way down on the right "Original lender - Sainsbury's loan. Current creditor - Cabot Financial UK Limited" I'm intrigued to know why it matters

Previously posted on AAD >

Has anyone had any threats from Cabot this year?

Anything, from a threat of legal action to a demand for money - if so please post here....

Their FCA authorisation expired some months ago - hence anything they have done (in a regulated capacity since Feb 2015) would be a criminal offence

Their website now lists them as Cabot Financial (Europe) Limited, which is currently authorised.

As is Cabot Financial (Marlin) Limited.

It's just Cabot Financial (UK) Limited which has lapsed, which presumably they no longer operate under?

. . . unless you've been contacted by Cabot Financial (UK) Ltd. You'll notice they may show as assignor or as the creditor if it's gone legal.

If they aren't authorised they can't assign a debt, debt collect a debt or start action

Di

[InvisibleMan]

Re: Invisible Man's UE diary

In one of the boxes on the right hand side of Cabot's letters (half way down) it usually states who the Current Creditor is.

Doh! I hadn't noticed it! The Cabot letters state half way down on the right "Original lender - Sainsbury's loan. Current creditor - Cabot Financial UK Limited" I'm intrigued to know why it matters