Pookies UE Diary

[swanfan]

Re: Pookies UE Diary

Hi all, does anyone know whether it matters that Cabot have done a search on my credit file? From what I can gather this search will stay on my credit file for a number of years!

Cheers, Pooks

Explained here--> All About Credit Reference Agencies CIFAS - allaboutFORUMS

[Never-In-Doubt]

Re: Pookies UE Diary

Hi all, does anyone know whether it matters that Cabot have done a search on my credit file? From what I can gather this search will stay on my credit file for a number of years!

Cheers, Pooks

If it's a debt search then it'll stay for 24 months and they are frowned upon however as it's only 2yrs it's not going to adversely affect you based on the other things showing...

[pooksthebear]

Re: Pookies UE Diary

Explained here--> All About Credit Reference Agencies CIFAS - allaboutFORUMS

Thanks Niddy, yeah but I have not asked for any credit so unsure why my file is being searched. There was a search by Marlin done on my file in 2009 and that was on for 2 years and now one by Cabot. Can a DCA just do a search for no reason, whenever they feel like it?

This is what it says:

CABOT CREDIT MANAGEMENT , a Enquiry Agent company, has made an inquiry against your credit report on 17/02/2012 . If you were not aware of or did not consent to this search, contact CABOT CREDIT MANAGEMENT or Equifax for clarification.

My defaults will be off in 2014 so this could affect it. I dont want anymore credit but I do want a better mortgage as on variable at moment. Is there anything I can do about it?

[pooksthebear]

Re: Pookies UE Diary

Hiya, just an addendum to the above post.

Can all my creditors continue to do outstanding debt searches indefinately.. ie all defaults drop off but they continue to search until either fully paid or statute barred and thereby keeping your credit file trashed?

I do not understand why they have done this, just found that Mackenzie Hall have also done a search! Its not like they dont know where I live as I have been corresponding with them all with CCAs etc.

Sorry... I know I shouldnt be worrying about whats going to happen 2 years down the line but I just saw some light at the end of the tunnel and now it seems to be fading fast lol

[pooksthebear]

Re: Pookies UE Diary

Hi all, I have received a letter from Marlin headed Notice of Change of Agent. The letter says:

Since you have not agreed a payment plan with us, the creditor of your account, Marling Ltd has decided to appoint Mortimer Clarke Solicitors to take over recovery activity from us. Mortimer Clarke Solicitors will be in touch shortly and you should engage with them to agree a payment arrangement on your account.

Debt Managers were originally collecting on their behalf and I issued them with a request for my CCA, on 2nd November they said they had requested a signed copy from Yorkshire Bank (it was a Yorkshire Bank loan). They kept my postal order and have not yet sent an agreement, instead they sent my account back to Marlin.

Is there a letter I should send Marlin or do I have to go through the whole CCA request again with Mortimer Clarke?

Thanks! Pooks

[Pixie]

Re: Pookies UE Diary

No need to go through the cca request process again.

Send Our Templates | Unenforceability Templates | Account Sold whilst in Dispute to Mortimer Clarke (amend as necessary)

[Paul.]

Re: Pookies UE Diary

Hi all, I have received a letter from Marlin headed Notice of Change of Agent. The letter says:

Since you have not agreed a payment plan with us, the creditor of your account, Marling Ltd has decided to appoint Mortimer Clarke Solicitors to take over recovery activity from us. Mortimer Clarke Solicitors will be in touch shortly and you should engage with them to agree a payment arrangement on your account.

Debt Managers were originally collecting on their behalf and I issued them with a request for my CCA, on 2nd November they said they had requested a signed copy from Yorkshire Bank (it was a Yorkshire Bank loan). They kept my postal order and have not yet sent an agreement, instead they sent my account back to Marlin.

Is there a letter I should send Marlin or do I have to go through the whole CCA request again with Mortimer Clarke?

Thanks! Pooks

I think you need to respond to this letter maintaining you have made what you consider a valid statutory request and as the creditor marlin have not replied. The creditor is defined within s189 CCA 1974 and covers assignees so they cannot shirk this duty

They ought to be placed on notice at this stage they are in default of a statutory request and they should seek to reply forthwith

[pooksthebear]

Re: Pookies UE Diary

No need to go through the cca request process again.

Send Our Templates | Unenforceability Templates | Account Sold whilst in Dispute to Mortimer Clarke (amend as necessary)

Thanks Pixie!

I will send that as soon as Mortimer Clarke get in touch!

[pooksthebear]

Re: Pookies UE Diary

I think you need to respond to this letter maintaining you have made what you consider a valid statutory request and as the creditor marlin have not replied. The creditor is defined within s189 CCA 1974 and covers assignees so they cannot shirk this duty

They ought to be placed on notice at this stage they are in default of a statutory request and they should seek to reply forthwith

Thanks Paul,

I will send the account in dispute letter to Mortimer Clarke as soon as they get in touch. Did you mean I should contact Marlin as well or just ignore them for now seeing as I am sending the letter to Mortimer Clarke?

[pooksthebear]

Re: Pookies UE Diary

Hi all, hope you can again give me some of your brilliant advice, I have no idea where I would be now if it hadnt been for you all.

I have received a letter from RBS as follows:

We have been unable to contact you or agree a suitable repayment plan therefore your account details have been passed to Transcom Worldwide (UK) Lted (trading as Transcom) to act as a collection agent and they will now be dealing with your account.

Transcom will be in contact with you during the next 14 days by letter to confirm receipt of your details. They will then look to discuss your repayment options in detail. If you need to contact them before this time their telephone number is .. blah blah.

RBS sent me the CCA and this was deemed unenforceable by The Great Nidd himself. I have had no contact with them since (did not acknowledge the unenforceable CCA), instead waited to see what they did next.. which was to send me a letter on 1st May demanding immediate payment or they would put the debt in hands of dca.. which they have now done.

Any ideas what I should do now?

[Deepie]

Re: Pookies UE Diary

Hi all, hope you can again give me some of your brilliant advice, I have no idea where I would be now if it hadnt been for you all.

I have received a letter from RBS as follows:

We have been unable to contact you or agree a suitable repayment plan therefore your account details have been passed to Transcom Worldwide (UK) Lted (trading as Transcom) to act as a collection agent and they will now be dealing with your account.

Transcom will be in contact with you during the next 14 days by letter to confirm receipt of your details. They will then look to discuss your repayment options in detail. If you need to contact them before this time their telephone number is .. blah blah.

RBS sent me the CCA and this was deemed unenforceable by The Great Nidd himself. I have had no contact with them since (did not acknowledge the unenforceable CCA), instead waited to see what they did next.. which was to send me a letter on 1st May demanding immediate payment or they would put the debt in hands of dca.. which they have now done.

Any ideas what I should do now?

If it was me I would just wait untill Transcom get in contact.......

[jen_br]

Re: Pookies UE Diary

If it was me I would just wait untill Transcom get in contact.......

we think alike!

[pooksthebear]

Re: Pookies UE Diary

If it was me I would just wait untill Transcom get in contact.......

Okies will wait for them to get in touch then! Never even heard of this new outfit... these DCA's must be (aside from bankers) the only people making any money out of the recession.. cannot believe how many of them are out there!!

[ScabHunter]

Re: Pookies UE Diary

Never even heard of this new outfit...

They're not exactly new. I remember helping someone on CAG in 2009 who was dealing with them. In that case they just kept sending a lot of silly letters and never did anything worth worrying about.

Can't promise it will be the same for you, but here's hoping, eh?

SH

[pooksthebear]

Re: Pookies UE Diary

They're not exactly new. I remember helping someone on CAG in 2009 who was dealing with them. In that case they just kept sending a lot of silly letters and never did anything worth worrying about.

Can't promise it will be the same for you, but here's hoping, eh?

SH

Indeed! However the RBS CCA is deemed unenforceable and has ppi so im not giving in to this one without a big fight!