Originally posted by Pip
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Re: Pip's UE Diary
Pip's account no. 6
RBS Mint
Start date: March 2000
Balance as of Dec 2011: approx. £5,000
Last "full" payment (i.e. within their stipulated minimum): Sep 2010 (approx).
Last DMP payment via CCCS: Dec 2011
Default notice issued Nov 2010.
Status: Last payment in Dec 2011 (smaller amount in Dec 2011 than the regular DMP payment had been up to that month)
2012
JAN CCA Request sent to RBS
JAN CCA received -- emailed Niddy -- Niddy says
(post #92)
JAN Sent Missing Prescribed Terms letter
FEB Received letter from RBS: We have met our obligations under s78(1). We see no reason to enter into further correspondence about alleged CCA breaches. We do not consider this account to be in dispute. Contact CAB or similar if you continue to doubt the veracity of what we have told you about our having complied with our obligations under s78(1).
----Snipped, pls see post #6 for rest
2016
JUN Letters from RBS and Cabot in same envelope: RBS letter: We have sold your account to Cabot Financial (UK) Ltd. Cabot Financial (UK) Ltd has instructed Cabot Financial (Europe) Ltd to manage your account on its behalf. [Hmm. I wonder if this is relevant; copied it here just in case].
Cabot letter: Your experience with Cabot will be different // Phone us in the next 7 days and our personal consultant will work with you to find a mutual solution. // Have a great day and we look forward to hearing from you very soon.
JUN Letter from Cabot [less than a week after the last one]: We really want to help you // Your personal consultant is waiting // What could happen if you don't talk to us? -- Credit file affected // -- We may have to consider other ways to recover your debt // -- You'll receive calls and letters until you contact us // -- Outstanding amount will remain due. Have a great day ...
JUL Letter from Cabot: What you should do now... We have explained that there are options available and we want to help you find the most suitable solution. We do need to hear from you so that we can help you take positive steps towards agreeing an affordable repayment plan and becoming free of this debt. If you're having difficulties paying it is important to tell us. // Your account may be reported on your credit file and may affect your ability to obtain credit now and in the future [Bit late for that!] When you start making payments on your account you will begin to reduce the balance shown on your credit report. // 3 simple steps: Gather details of your income and expenditure, call us on 0345, work with us to agree an affordable repayment plan. If we do not hear from you we will continue to contact you to help you resolve your outstanding balance.
AUG Letter from Cabot: Our offer to you // We understand it can be difficult to clear your account in a short period of time ... // We believe that we understand debt and we wanted to share our thoughts with you. [??!]. We will work with you to understand your financial situation. If we can find an opportunity for you to repay this account in the short term, then we will help you make that happen. We own your account and are prepared to reduce the balance in order to help you become fee of this debt sooner. If you would like to take up our offer [they haven't mentioned any figures or offer], then call us. If this is not suitable then you need to advise us of your proposal to clear your account. This account may affect your credit rating and ability to get credit in future. Ask our team if your account is registered[??]
SEP Letter from Cabot: Despite repeated attempts to contact you, we have been unable to gain your commitment to repay your debt. // The balance is due and we have advised you of several options that are available ... // You can manage your account by repaying an amount on a monthly basis ... // You should be aware that this account may be on your credit file as an outstanding debt ... // If you start making payments towards your account then your balance will reduce. // If we don't hear from you we will continue to contact you so that we can try and help you take steps towards being free of this debt.
OCT Letter from Cabot: Your Next Steps ... We have tried to contact you ... Please contact us // Our aim is to help you take steps towards being free of this debt and we want to work with you to make that happen // If you give us details of any income you receive together with your bills and other priority expenditure, we will try to set up a repayment plan that suits you. We hope to hear from you soon.
NOV Letter from Cabot: Give our Personal Payment Plans a try / So far we haven't had the opportunity to speak to you and find out what kind of plan might suit you. Which is why we have put together that we think will help you pay off your account. // Is this affordable for you? [Pay X quid a month for TEN YEARS!] Once you have cleared your account, you will receive a letter to let you know your account is closed.
2017
FEB Letter from Cabot: Take positive steps to repaying. You have a balance waiting to be paid. This account may be appearing on your credit file. Having a defaulted account showing on your credit file can impact your ability to get credit. You may have difficulty renting a property, getting a mortgage or taking out a phone contract. // By starting to pay back your account, the amount shown on your credit file will start to go down and can start to repair your credit file. // What you could do: pay in full; monthly repayment plan; discount. If this account does appear on your credit file we can talk to you about how each of these options would be reflected on it. Talk to us. Please contact us within the next 3 weeks; we will be trying to contact you.
MAR Letter from Cabot: We would like to hear from you as we'd like to help you clear your account. We will tailor your repayment around your budget, so that it is fair and sustainable. // We've enclosed and income and expenditure form ... // If you would rather be free of this account quickly and could make a partial payment towards the total balance, then let us know. We can offer you a discount on your account if its [sic] affordable for you. Please contact us within the next 4 weeks to discuss your account; we will be trying to contact you.
APR Letter from Cabot: Tell us your budget, save £50. We want to help you start positively on your journey to repaying this account. Once you start paying back your account, we will reduce your balance by £50. // All you need to do is call us and fill our a budget form, we will make sure that you can afford important things like bills, food and rent then work out what spare money you have. // We will then discuss with what [sic] you are comfortable paying from this amount and set up a repayment plan tailored to suit you. // Call us... 4 weeks to claim this offer.
MAY Letter from Cabot: We are hoping a new approach could help you be free of this debt. You may have questions about who we are, how your account got to us, or what can be done to move forward with your account. We believe our team will be able to help. // If you contact us, our consultants can help you understand what is happening with your account and they are experts in setting up repayment plans that fit your individual circumstances. // Our goal is to understand what will work best for you and we will always ensure that what we agree is affordable for you. Talk to us.
JUN Letter from Cabot: How we can help // We help thousands of customers set up affordable repayment plans each month and we would like to do the same for you. An illustrative example... £1000 balance, £50 disposable income a month ... pay £16.67 a month for five years // These solutions are for illustrative purposes only. Any solution we can offer you will be based on what you tell us about your financial situation and any goals you may have to repay your account. // Talk to us // We understand that every customer's situation is different and once we know more about your income and expenses, we can work with you to find the most suitable solution for you. Of course we will ensure that all of your priority bills are up to date and that any repayment plan we agree is affordable for you.
JUL Letter from Cabot: As we have still not been successful in finding an appropriate solution, we are considering sending your account to an external debt collection company and urge you to contact us within the next fourteen days. // Is there anything else we can do to answer your questions or to help you with your account? // If your circumstances allow, we may be able to offer a discount that would allow you to be completely free of this debt. If you can't afford to do this then we can look to arrange a suitable monthly repayment plan over a longer term that suits your situation. // Please contact us as soon as possible as your account could be sent to an external debt collection company.
JUL Letter from Cabot: Your balance is waiting to be paid. You need to repay this amount. There are different options to choose from: Pay in Full "Why should I pay in full?" You can pay off your account completely over a few months, if this account is on your credit file once we've received your final payment we'll update you credit file to 'satisfied'. // Discount offer "How much of a discount?" It will depend on how much you can afford. You can either make an offer yourself, or talk to us about your affordability first so we can offer you a discounted amount. "Can I pay this off over a few months?" Yes, if this is the right plan for you. "How will this affect my credit file?" If this account is on your credit file, we will update your credit file to show 'partially settled' with the amount set to 'nil', this will show that the amount has been paid off but with a smaller amount. // Monthly repayment plan "How much will I have to pay?" Complete a budget form and we will work out a plan based on what you have spare each month. We will never ask you to pay back more than you can afford. "How will this affect my credit file?" We'll update your credit file each month as you start paying off your account, once you've made the final payment the account will be updated to 'satisfied'. // Contact us -- call us or email us to discuss your account.
AUG Letter from Cabot: Your balance is waiting to be paid. You need to repay this amount. Different payment options for you: Pay in full You can break this up over a few months. Monthly repayment plan Pay off your account on a monthly basis at an amount that suits your budget. Discount Get a discount on your account, and pay it off in one payment or over a few months. // Where your account is showing on your credit file, once you have paid off your account in full it will be updated as "satisfied". We will update your credit file to show any regular payments. If you get a discount on your account, your credit file will be updated to "partially settled" with balance set to "nil". Contact us to discuss your options. We will make sure any plan you agree is affordable for you.
SEP Letter from Cabot: We would like to give you the opportunity to be free of this account, so we've come up with an alternative solution for you. We can help you be free of this debt. What you owe: £4,000 --> What you could pay: £1000 --> Amount saved: £3000. We do want what's best for you, so if you want to take us up on the offer we need to make sure that you're up to date on all your priority bills and make sure that this is affordable for you. // We could also be flexible with how you pay this amount dependant [sic] on your situation. // If this isn't an option for you we have lots of different repayment plans that you can choose from, we can tailor them to your situation. // Claim this offer, don't miss out // Call us in the next 14 days to take advantage of this offer.
OCT Letter from Cabot: You need to repay your account with us, your balance is £XXXX. You can set up a repayment plan with us and pay off your account at a sum you can afford. // How much will I have to pay? You can work your repayment around your budget. Complete and send us the enclosed income and expenditure form. With it you can work out how much money you could spare per month on repaying your account. You can also do this over the phone. // We can discuss with you what amount you would feel comfortable paying, as we understand there are other things that need to come first. // If you would rather be free of this account quickly and could make a lump sum payment towards the total balance, then let us know. We can offer you a discount on your account if it's affordable for you; this will appear as a partial settlement on your credit file where it is showing, with the balance being shown as 'nil'. Talk to us Call us on xxx to discuss your options. Our Customer Consultants can answer any questions you might have and offer you guidance. We will be trying to contact you; so please get in touch soon.
NOV Letter from Cabot: Save £x,xxxx.xx on your account. We would like you to be free of this account with us, so we want to offer you a 25% discount! If you pay this amount you will be completely free of this debt. // Pay £xxxx to close this account with us. You can either do this in one lump sum or over several months depending on what's affordable for you. // If you choose to take us up on this offer, where your account is showing on your credit file, when you make this final payment we will update your record as 'Partially Settled', with a 'nil' balance outstanding. This will indicate the amount has been cleared but with a lesser amount than the balance. Call us and talk to one of our Customer Consultants about this offer. If a discount is not affordable for you at this time, they can help you set up a monthly repayment plan. // Contact us within the next 4 weeks to take advantage of this offer; we will try to contact you so you don't miss out.
DEC Letter from RBS Mint: Important information about ring-fencing. The MINT card you use is provided by The Royal Bank of Scotland ("RBS plc"). We need to let you know about some changes we're making to the way our business in structured. // Your banking business will transfer to Adam & Company plc which will then be renamed The Royal Bank of Scotland plc at the time the Ring-fencing Transfer Scheme (RFTS) takes effect. As a result of the RFTS, you'll see a change of our Companies House and Financial Services Register details on the communications and documents you receive from us. Your banking relationship will stay the same. etc.
DEC Letter from Cabot: Next steps // We have tried to contact you on a number of occasions so that we can understand your financial situation and discuss a payment plan that is affordable and fair. Because we have been unable to contact you, we are now going to instruct a company called Resolvecall to visit you at your home so that they can put you back in touch with us. If you would prefer to speak to us directly then please call us within the next 7 days. If you need financial help then we can point you towards organisations that provide free independent financial advice.
Pip's account no. 6
RBS Mint
Start date: March 2000
Balance as of Dec 2011: approx. £5,000
Last "full" payment (i.e. within their stipulated minimum): Sep 2010 (approx).
Last DMP payment via CCCS: Dec 2011
Default notice issued Nov 2010.
Status: Last payment in Dec 2011 (smaller amount in Dec 2011 than the regular DMP payment had been up to that month)
2012
JAN CCA Request sent to RBS
JAN CCA received -- emailed Niddy -- Niddy says
(post #92)JAN Sent Missing Prescribed Terms letter
FEB Received letter from RBS: We have met our obligations under s78(1). We see no reason to enter into further correspondence about alleged CCA breaches. We do not consider this account to be in dispute. Contact CAB or similar if you continue to doubt the veracity of what we have told you about our having complied with our obligations under s78(1).
----Snipped, pls see post #6 for rest
2016
JUN Letters from RBS and Cabot in same envelope: RBS letter: We have sold your account to Cabot Financial (UK) Ltd. Cabot Financial (UK) Ltd has instructed Cabot Financial (Europe) Ltd to manage your account on its behalf. [Hmm. I wonder if this is relevant; copied it here just in case].
Cabot letter: Your experience with Cabot will be different // Phone us in the next 7 days and our personal consultant will work with you to find a mutual solution. // Have a great day and we look forward to hearing from you very soon.
JUN Letter from Cabot [less than a week after the last one]: We really want to help you // Your personal consultant is waiting // What could happen if you don't talk to us? -- Credit file affected // -- We may have to consider other ways to recover your debt // -- You'll receive calls and letters until you contact us // -- Outstanding amount will remain due. Have a great day ...
JUL Letter from Cabot: What you should do now... We have explained that there are options available and we want to help you find the most suitable solution. We do need to hear from you so that we can help you take positive steps towards agreeing an affordable repayment plan and becoming free of this debt. If you're having difficulties paying it is important to tell us. // Your account may be reported on your credit file and may affect your ability to obtain credit now and in the future [Bit late for that!] When you start making payments on your account you will begin to reduce the balance shown on your credit report. // 3 simple steps: Gather details of your income and expenditure, call us on 0345, work with us to agree an affordable repayment plan. If we do not hear from you we will continue to contact you to help you resolve your outstanding balance.
AUG Letter from Cabot: Our offer to you // We understand it can be difficult to clear your account in a short period of time ... // We believe that we understand debt and we wanted to share our thoughts with you. [??!]. We will work with you to understand your financial situation. If we can find an opportunity for you to repay this account in the short term, then we will help you make that happen. We own your account and are prepared to reduce the balance in order to help you become fee of this debt sooner. If you would like to take up our offer [they haven't mentioned any figures or offer], then call us. If this is not suitable then you need to advise us of your proposal to clear your account. This account may affect your credit rating and ability to get credit in future. Ask our team if your account is registered[??]
SEP Letter from Cabot: Despite repeated attempts to contact you, we have been unable to gain your commitment to repay your debt. // The balance is due and we have advised you of several options that are available ... // You can manage your account by repaying an amount on a monthly basis ... // You should be aware that this account may be on your credit file as an outstanding debt ... // If you start making payments towards your account then your balance will reduce. // If we don't hear from you we will continue to contact you so that we can try and help you take steps towards being free of this debt.
OCT Letter from Cabot: Your Next Steps ... We have tried to contact you ... Please contact us // Our aim is to help you take steps towards being free of this debt and we want to work with you to make that happen // If you give us details of any income you receive together with your bills and other priority expenditure, we will try to set up a repayment plan that suits you. We hope to hear from you soon.
NOV Letter from Cabot: Give our Personal Payment Plans a try / So far we haven't had the opportunity to speak to you and find out what kind of plan might suit you. Which is why we have put together that we think will help you pay off your account. // Is this affordable for you? [Pay X quid a month for TEN YEARS!] Once you have cleared your account, you will receive a letter to let you know your account is closed.
2017
FEB Letter from Cabot: Take positive steps to repaying. You have a balance waiting to be paid. This account may be appearing on your credit file. Having a defaulted account showing on your credit file can impact your ability to get credit. You may have difficulty renting a property, getting a mortgage or taking out a phone contract. // By starting to pay back your account, the amount shown on your credit file will start to go down and can start to repair your credit file. // What you could do: pay in full; monthly repayment plan; discount. If this account does appear on your credit file we can talk to you about how each of these options would be reflected on it. Talk to us. Please contact us within the next 3 weeks; we will be trying to contact you.
MAR Letter from Cabot: We would like to hear from you as we'd like to help you clear your account. We will tailor your repayment around your budget, so that it is fair and sustainable. // We've enclosed and income and expenditure form ... // If you would rather be free of this account quickly and could make a partial payment towards the total balance, then let us know. We can offer you a discount on your account if its [sic] affordable for you. Please contact us within the next 4 weeks to discuss your account; we will be trying to contact you.
APR Letter from Cabot: Tell us your budget, save £50. We want to help you start positively on your journey to repaying this account. Once you start paying back your account, we will reduce your balance by £50. // All you need to do is call us and fill our a budget form, we will make sure that you can afford important things like bills, food and rent then work out what spare money you have. // We will then discuss with what [sic] you are comfortable paying from this amount and set up a repayment plan tailored to suit you. // Call us... 4 weeks to claim this offer.
MAY Letter from Cabot: We are hoping a new approach could help you be free of this debt. You may have questions about who we are, how your account got to us, or what can be done to move forward with your account. We believe our team will be able to help. // If you contact us, our consultants can help you understand what is happening with your account and they are experts in setting up repayment plans that fit your individual circumstances. // Our goal is to understand what will work best for you and we will always ensure that what we agree is affordable for you. Talk to us.
JUN Letter from Cabot: How we can help // We help thousands of customers set up affordable repayment plans each month and we would like to do the same for you. An illustrative example... £1000 balance, £50 disposable income a month ... pay £16.67 a month for five years // These solutions are for illustrative purposes only. Any solution we can offer you will be based on what you tell us about your financial situation and any goals you may have to repay your account. // Talk to us // We understand that every customer's situation is different and once we know more about your income and expenses, we can work with you to find the most suitable solution for you. Of course we will ensure that all of your priority bills are up to date and that any repayment plan we agree is affordable for you.
JUL Letter from Cabot: As we have still not been successful in finding an appropriate solution, we are considering sending your account to an external debt collection company and urge you to contact us within the next fourteen days. // Is there anything else we can do to answer your questions or to help you with your account? // If your circumstances allow, we may be able to offer a discount that would allow you to be completely free of this debt. If you can't afford to do this then we can look to arrange a suitable monthly repayment plan over a longer term that suits your situation. // Please contact us as soon as possible as your account could be sent to an external debt collection company.
JUL Letter from Cabot: Your balance is waiting to be paid. You need to repay this amount. There are different options to choose from: Pay in Full "Why should I pay in full?" You can pay off your account completely over a few months, if this account is on your credit file once we've received your final payment we'll update you credit file to 'satisfied'. // Discount offer "How much of a discount?" It will depend on how much you can afford. You can either make an offer yourself, or talk to us about your affordability first so we can offer you a discounted amount. "Can I pay this off over a few months?" Yes, if this is the right plan for you. "How will this affect my credit file?" If this account is on your credit file, we will update your credit file to show 'partially settled' with the amount set to 'nil', this will show that the amount has been paid off but with a smaller amount. // Monthly repayment plan "How much will I have to pay?" Complete a budget form and we will work out a plan based on what you have spare each month. We will never ask you to pay back more than you can afford. "How will this affect my credit file?" We'll update your credit file each month as you start paying off your account, once you've made the final payment the account will be updated to 'satisfied'. // Contact us -- call us or email us to discuss your account.
AUG Letter from Cabot: Your balance is waiting to be paid. You need to repay this amount. Different payment options for you: Pay in full You can break this up over a few months. Monthly repayment plan Pay off your account on a monthly basis at an amount that suits your budget. Discount Get a discount on your account, and pay it off in one payment or over a few months. // Where your account is showing on your credit file, once you have paid off your account in full it will be updated as "satisfied". We will update your credit file to show any regular payments. If you get a discount on your account, your credit file will be updated to "partially settled" with balance set to "nil". Contact us to discuss your options. We will make sure any plan you agree is affordable for you.
SEP Letter from Cabot: We would like to give you the opportunity to be free of this account, so we've come up with an alternative solution for you. We can help you be free of this debt. What you owe: £4,000 --> What you could pay: £1000 --> Amount saved: £3000. We do want what's best for you, so if you want to take us up on the offer we need to make sure that you're up to date on all your priority bills and make sure that this is affordable for you. // We could also be flexible with how you pay this amount dependant [sic] on your situation. // If this isn't an option for you we have lots of different repayment plans that you can choose from, we can tailor them to your situation. // Claim this offer, don't miss out // Call us in the next 14 days to take advantage of this offer.
OCT Letter from Cabot: You need to repay your account with us, your balance is £XXXX. You can set up a repayment plan with us and pay off your account at a sum you can afford. // How much will I have to pay? You can work your repayment around your budget. Complete and send us the enclosed income and expenditure form. With it you can work out how much money you could spare per month on repaying your account. You can also do this over the phone. // We can discuss with you what amount you would feel comfortable paying, as we understand there are other things that need to come first. // If you would rather be free of this account quickly and could make a lump sum payment towards the total balance, then let us know. We can offer you a discount on your account if it's affordable for you; this will appear as a partial settlement on your credit file where it is showing, with the balance being shown as 'nil'. Talk to us Call us on xxx to discuss your options. Our Customer Consultants can answer any questions you might have and offer you guidance. We will be trying to contact you; so please get in touch soon.
NOV Letter from Cabot: Save £x,xxxx.xx on your account. We would like you to be free of this account with us, so we want to offer you a 25% discount! If you pay this amount you will be completely free of this debt. // Pay £xxxx to close this account with us. You can either do this in one lump sum or over several months depending on what's affordable for you. // If you choose to take us up on this offer, where your account is showing on your credit file, when you make this final payment we will update your record as 'Partially Settled', with a 'nil' balance outstanding. This will indicate the amount has been cleared but with a lesser amount than the balance. Call us and talk to one of our Customer Consultants about this offer. If a discount is not affordable for you at this time, they can help you set up a monthly repayment plan. // Contact us within the next 4 weeks to take advantage of this offer; we will try to contact you so you don't miss out.
DEC Letter from RBS Mint: Important information about ring-fencing. The MINT card you use is provided by The Royal Bank of Scotland ("RBS plc"). We need to let you know about some changes we're making to the way our business in structured. // Your banking business will transfer to Adam & Company plc which will then be renamed The Royal Bank of Scotland plc at the time the Ring-fencing Transfer Scheme (RFTS) takes effect. As a result of the RFTS, you'll see a change of our Companies House and Financial Services Register details on the communications and documents you receive from us. Your banking relationship will stay the same. etc.
DEC Letter from Cabot: Next steps // We have tried to contact you on a number of occasions so that we can understand your financial situation and discuss a payment plan that is affordable and fair. Because we have been unable to contact you, we are now going to instruct a company called Resolvecall to visit you at your home so that they can put you back in touch with us. If you would prefer to speak to us directly then please call us within the next 7 days. If you need financial help then we can point you towards organisations that provide free independent financial advice.
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