Announcement

**Pip** · 6 January 2012, 22:06

Re: Pip's UE Diary

Pip's account no. 2
Halifax
Start date: Oct 2005
Balance as of Dec 2011: approx. £7,000
Last "full" payment (i.e. within their stipulated minimum): Sep 2010 (approx).
Last DMP payment via CCCS: Dec 2011
Default notice issued April 2011.
Status: Last payment in Dec 2011 (smaller amount in Dec 2011 than the regular DMP payment had been up to that month)

2011 = Pre-AAD days
JUN Moorcroft: Notice of "intended litigation", referring to Halifax as "our client"
JUN CCA request letter sent to Moorcroft
JUN Moorcroft: Notice of "possible litigation", including a list of silly potential fees
JUN Moorcroft confirming CCA request, say they've requested docs from Halifax; account on hold until docs supplied. Request for indication of info I would rely upon when giving evidence to a court (??!)
JUL Account in dispute letter sent (although, sillily, I was continuing to pay via DMP)
JUL Moorcroft confirming CCA request, identically worded to June letter
JUL Another account in dispute letter sent
JUL Moorcroft: "We understand our client has now contacted you with the relevant information [they hadn't] ... we trust that the documents resolve your query ...
SEP Moorcroft acknowledging direct payment to Halifax, saying that Moorcroft are responsible for the admin of the account and telling me I should pay them (even though they haven't bought it)
SEP Another account in dispute letter sent
NOV Moorcroft acknowledging direct payment to Halifax, same wording as Sep letter above
DEC CCA Final Demand sent to Moorcroft -- they signed for original CCA request letter in June and cashed the PO around the same time (checked with Post Office)

2012 = now following AAD guidance
JAN CCA request letter sent direct to Halifax (Royal Mail delivery conf. printed)
JAN From Moorcroft: Missed call (early morning weekend) and text from Moorcroft: Please contact us immediately on 0161 ... to discuss your overdue payment on account no. xxx. Another missed call from Moorcroft a few days later (evening)
JAN Moorcroft letter: Records show not paid Halifax full amount [did pay them something in Dec though]. Unless payment received by return of post, we may recommend to our clients that they instruct their solicitors to commence legal proceedings without further notice. Neither we nor client wish to take this step;

call us on above no.

and we would be happy

to agree a repayment plan.Note: Moorcroft don't own this debt, they know payment has continued to go to Halifax, so why the hell bother paying the monkey (or indeed the organ grinder)...
JAN CCA received from HBOS directly -- emailed Niddy -- Niddy says

and to wait for now to see what comes back from other lenders.
JAN Rather cryptically, have received a letter and £1 cheque from Moorcroft: "Further to your request for a copy of your credit agreement, we regret that because of the age of this account our client is unable to produce a copy of your document given that the agreement is over 6 years old and to this end we therefore return the £1 payment [...] Notwithstanding this our clients believe the above balance remains due and payable and we therefore require immediate payment of this sum or realistic proposals for repayment. The Information Commissioner's Office has confirmed that whereas a debtor is not obliged to repay the account due to the provisions of the CCA, this does not mean that there was no enforceable agreement. Look forward to hearing from you within next 14 days with proposals for discharging this liability."
FEB Moorcroft letter: "Home Collections Division". You have defaulted on agreement we reached [I didn't negotiate any agreement with Moorcroft]. This may involve our local rep calling at your home in next few day to try to assist you [...] Payment must reach us in three days. If no satisfactory agreement is made with us or our local rep we'll have to recommend to client that solicitors commence legal proceedings without further notice.
FEB Sent Threat of Doorstep Visit letter
FEB Sent Letter Previously Confirming No CCA
FEB Exceedingly polite three-page letter (with two-page appendix) from Moorcroft! (with some grammar corkers): We confirm your account has been amended to ensure NO telephone calls and NO visits while contact is maintained in writing as you have suggested. We stress that it is certainly not our intention to harass any member of the public with our contact at our client's request ... ["any member of the public"?? Like a random shopper in the high street?]. // Our records show that we have providided [sic] you with our client's response advising that due to the age of this account our client would be unable to provide this documentation for you [and very nice of you to put it in writing for me again, thank you very much!].// We feel it prudent at this point to bring to you attention the following information: In relation to the validity of a debt, it is our understanding that the Information Commissioner's Office has confirmed blah unenforceablity [I can't for the life of me think what the Information Commissioner has to do with this?]. // Account will remain on hold for 28 days to give you an opportunity to respond. Should we receive no further contact within the 28 days we believe it is sensible to close this account on our systems and return this account back to our client.
APR Letter from CapQuest: Your Halifax account has been referred to CapQuest to manage in all matters relating to collection, which may include personal visits by doorstep collection agency and possible litigation. If you are not in a position to settle account in full contact us blah etc.
APR Sent Letter to CapQuest Previously Confirming No CCA
APR Letter from CapQuest: Further to your recent contact and request for further info, account is now on hold for 28 days whilst we obtain information required. // If you have any proof of payments or correspondence that would assist with your query, please forward these documents to our Collections Administration dept.
APR Letter from CapQuest: We thank you for your correspondence and respond as follows: we can confirm we have requested a copy of the agreement from our client
JUL Letter from Halifax: As we haven't been able to agree to a suitable repayment plan, we've transferred your Halifax credit card to a debt collection agency, Robinson Way. We've instructed Robinson Way to arrange collection of the outstanding amount.
JUL Letter from Robinson Way: FORMAL DEMAND FOR PAYMENT // Our client has authorised us to recover full amount. If you don't we may advise our client to start court action. If this, then that; unpaid debts don't just go away, blah etc.
JUL 2012 Sent Letter to Robinson Way Previously Confirming No CCA

2013
JUL 2013 Letter from CapQuest: Welcome to Capquest. We're now looking after your account. Capquest will now manage your account that has been sold by Halifax to Capquest Investments Ltd (this is the first I've heard of it). We need to discuss your account. We'd like to work with you to reach a payment arrangement [...] Capquest Investments Ltd is now the data controller of your personal information that is held on your account. If you want to see the personal information about you that we hold, please write to us sending us £10 as the fee that we may charge under the Data Protection Act. blah etc. If you have any questions, feel free to contact us.
AUG Letter from CapQuest: We refer to our recent letter. As legal owners of this account, we are able to obtain regular updated from credit reference agencies regarding your current financial position. We use this data to evaluate what steps should be taken to get your account into a paying status. We will use financial updates from CRAs in conjunction with other factors in determining our recovery strategy, which may include legal action. // Alternatively [...] you do not have to pay the full balance immediately; we will work with you to agree an acceptable arrangement. [...] We will need you to contact us within the next 14 days to discuss the opportunities further.
AUG Sent Letter to Capquest Previously Confirming No CCA
AUG Letter from CapQuest: As you will now be aware your account is being processed for legal action. Your account has been selected for a one-time solution to settle your account (pay 70% of total in instalments). This offer will remain open for 10 days. If at any time you find yourself in difficultly, and you will not be able to make a scheduled payment, telephone us and we will reschedule your account without penalty. If, however, you fail in your commitment without good cause or reason the offer will be withdrawn. // We hope that you seriously consider this proposal. Yours sincerely, Capquest [i.e. not a named person]
SEP Letter from CapQuest: Further to your recent contact, your account is on hold for 28 days whilst we obtain the info required.
OCT Letter from CapQuest: Please find enclosed copy document(s) as requested [Copy of application form enclosed but no terms]. If you are not currently repaying this account on arrangement, it is now imperative that you deal with this matter immediately by sending your payment directly to us. // We have placed your account on hold for seven days. If we do not receive contact from you by this date your account will be passed to our Collections department for further action. Signed, "Collections Administration".
OCT Sent Letter to Capquest Missing Prescribed Terms
OCT Letter from CapQuest: We regret that you have been dissatisfied with our service
NOV Letter from CapQuest: We apologise for the delay in dealing with your complaint
NOV Letter from CapQuest: A copy of the agreement was sent to you in October and I enclose a further copy. Statements and terms & conditions have been requested from the original creditor and your account will remain on hold until we receive these documents. We appreciate that you believe the agreement is unenforceable, however it is likely you would have received a copy of the agreement when your credit card was issued. You would have had every opportunity to raise any issues with the OC that you may have had in relation to the agreement at that time. // Please be advised that the copy of the agreement may refer to the prescribed terms for your account; however it is sufficient for you to be provided with a copy of the full T&Cs upon signing the agreement [?]. Also, the documents you request do not need to be provided on a single piece of paper to constitute a single document. [Copy of signed application form with scratchy T&Cs on back enclosed]

2014
MAR Letter from CapQuest: Letter containing bunch of unformatted statements and T&Cs. and "Please contact our Collections department to arrange suitable method of payment. Account on hold for 30 days to allow you time to contact us regarding repayment".
APR Sent CCA request to Capquest
APR Response from CapQuest: Letter containing signed application form and original terms (no "current" terms included). Also bunch of statements (weirdly formatted) and going back way before default. Covering letter states "Please call us to discuss payment options on this account".
MAY "LETTER OF CLAIM under the Practice Direction- Pre Action Conduct" from CapQuest: As a result of your failure to respond we must now consider your account for legal action. Your a/c is being passed through our pre-action validation and checks (e.g. residential/employment status). // Any claim will be issued in the name of CapQuest Investments Ltd and will be for the unpaid balance. We are not aware of any dispute relating to the account but are willing to discuss with you any issues relating to our claim and to seek to resolve them through alternative dispute resolution methods. Our preferred method is a without prejudice discussion with you or your advisers. We refer you to the Practice Direction - Pre Action Conduct which provides that parties should exchange information before starting proceedings. Para 4 allows the court to impose sanctions on a party who does not comply with its requirements. // You can avoid the possibility of a claim being issued by phoning our team of negotiators on .... to discuss payment options or by letter setting out your payment proposals. You do not have to pay the full balance immediately. // We will allow you a further 14 days to contact us. If you do nothing we will complete our pre-action checks which may result in your account being sent to our solicitors for a claim to be issued in the County Court.
MAY Sent Formal Letter Before Action Response to Capquest
JUL Received from Capquest: We've received your correspondence. Lloyds Banking Group have advised us that the default notice was issued in April 2011. A copy of this notice is no longer available.
2017
JAN Letter from CapQuest: We are contacting you to make you aware of a discount option now available to you. We are prepared to offer a settlement figure which would reduce your remaining balance and could represent a significant saving for you. [...] Even if the offer of a settlement does not currently suit your circumstances, it is important you still contact us to arrange an affordable monthly repayment plan.
2018
MAR Letter from CapQuest: Settlement Opportunity. We'd like to give you the option to settle your £7,000 balance for £4,200. [...] Payment can be made any time until end of April. [...] If this offer is not suitable, we can work with you to set up a repayment plan tailored to your current financial circumstances. We look forward to hearing from you.
2023
JUL Letter from CapQuest: We (Capquest Investments Ltd) have assigned ownership and legal rights to your credit agreement to Intrum Poplar Designated Activity Company. They have appointed Capquest Debt Recovery Limited (Capquest) as an administrator of your account going forward. Another letter enclosed -- notice of assignment.
JUL Letter from CapQuest: Your account will now be managed by Resolvecall Limited. // We note that you have yet to contact us to discuss a suitable repayment option for your account. // Resolvecall specialise in visiting customers' properties to help engage and enable a discussion with you on your current financial situation and agree an affordable repayment solution.
AUG Letter from Resolvecall: We need to speak with you to understand your current circumstances to tailor an amicable solution that considers your present situation. // If we do not hear from you within 7 days from the date of this letter, Capquest Debt Recovery Ltd will instruct us, without further notice, to arrange a visit to your property. Please do not ignore this letter. Act now to have a positive discussion about your account.

**Pip** · 6 January 2012, 22:16

Re: Pip's UE Diary

Pip's account no. 3
Lloyds TSB
Start date: Jan 2004
Balance as of Dec 2011: approx. £13,000
Last "full" payment (i.e. within their stipulated minimum): Sep 2010 (approx).
Last DMP payment via CCCS: Dec 2011
Default notice issued November 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 letter sent to Lloyds TSB (Royal Mail delivery conf. printed)
JAN Letter from B*L*S*** Collections saying payment plan is now in arrears [payment into DMP reduced in December]. "To avoid action, blah, make payment with debit or CREDIT CARD. Contact CAB or CCCS."
JAN Identical letter to one above from B*L*S*** Collections, dated/arriving one day later
JAN Reply to CCA request received from Lloyds TSB -- Niddy says

!
JAN Sent Missing Prescribed Terms letter
JAN Letter from BLS Collections saying "It is essential that you telephone BLS Collections TODAY. " in capitals, bold AND underlined! [this is due to reduced payment they received last month. Payments have now stopped altogether]
JAN Letter from BLS Collections: "Repayment plan you agreed to is still overdue. We have previously reminded you about the money and you must pay the amount outstanding straight away. If you don't pay the outstanding amount to bring your account back on track within 10 days you will fall further into arrears etc./payment plan will be cancelled and full balance will be due. They're Lloyds TSB's in-house DCA/letter printing machine -- do I need to respond to this? See also Lloyds TSB letter received below
JAN Letter from Lloyds TSB: According to our records we supplied reconstituted copies of the agreement in place at the time the account was opened and the one currently in place. By providing these copies, we satisfied our obligation under s.78. // The regulations define what is required of a "copy". Whilst regulation 3 provided "every copy" of an executed agreement... shall be a true copy". [sic -- sentence ends there] Regulation 3(2) (b) provides that a copy can omit any signature box, signature or date of signature. // In summary, to comply with s.78, copy does not need to be a copy with the customer's signature on it. [snipped, see post #3]
FEB Letter from B*L*S*** Collections: Essential that you call BLS TODAY.
FEB Letter from B*L*S*** Collections: In arrears // Failure to contact may result in court proceedings, door-to-door collections agent
FEB Sent Threat-o-Gram Letter Before Action
MAR Letter from B*L*S*** Collections: Essential that you call BLS TODAY.
MAR Letter from B*L*S*** Collections: We wrote to you recently and can only assume, due to your lack of contact, that you have no intention of paying this debt on a voluntary basis. // If you do not contact us on the above telephone number within the next 14 days, you will force us to commence legal action against you. This will occur additional fees and cost, estimated to be a minimum of £290. [snipped, see post #3]
MAR Replied sending copies of Threat-o-Gram Letter Before Action previously sent to them which they have so far ignored
APR Letter on Lloyds TSB letterhead but with Robinson Way address at top right of page: Statement of account going back a year [laid out like a letter, not a "regular" credit card statement] Wording includes: If you have a problem with your agreement, please try and settle it with us in the first instance.
APR Letter from Robinson Way (same day as above LTSB statement letter): FORMAL DEMAND FOR PAYMENT. Our client has authorised us to recover the full amount you owe. PLEASE PAY blah. If you cannot pay in full, call us to agree an affordable payment plan. If you don't, we may advise court action. If you fail to pay in accordance with court payment order, the following may occur: # Application made to court to enforce repayment [?], # Future credit will be difficult to obtain [durr!]. # This account may continue to be a worry for you. Unpaid debts don't just go away or get forgotten no matter how much people want that to happen.
APR Sent Account sold whilst in dispute letter to Robinson Way
APR Letter from Robinson Way [above sold in dispute letter has crossed with this one]: SECURITY TELEMESSAGE - SECURITY TELEMESSAGE [yet so urgent that they sent it via Mailsort-type bulk mail] RECENT ACTIONS ON YOUR ACCOUNT ARE GIVING CAUSE FOR CONCERN - PLEASE CONTACT US IMMEDIATELY ON 0845 - PLEASE DO NOT DELAY - QUOTE ABOVE REFERENCE NUMBER - SECURITY TELEMESSAGE - SECURITY TELEMESSAGE
MAY Letter from Robinson Way: Please note we have noted the dispute/query you have raised; we will make enquiries and let you know the outcome. In the meantime we will stop all collection activity for this account.
SEP Letter from Apex Credit Mgt: Our client is aware of the difficult financial circumstances that a number of their customers are currently experiencing. As a result they have authorised us to consider a discounted settlement figure against the above listed debt. We may be able to offer you a substantial discount on your balance and would like to explore this option with you. This offer is available for a period of 21 days from the date of this letter. To confirm eligibility and take advantage of this enhanced opportunity to clear this debt, please contact us without delay.
SEP Letter from H L Solicitors / H L Legal: NOTICE OF PENDING LEGAL ACTION // We have been instructed by Apex, agents for above named creditor [Lloyds TSB] in relation to your outstanding sum. // Unless our client received payment in full or a valid reason for non-payment of the account within the next 7 days, court proceedings may be taken against you without further notice. // Should court proceedings be issued, you will by liable for X, Y and Z which would significantly increase your balance. If judgment is entered against you, it may make it difficult for you to obtain credit in future. // Please note, we are instructed not to enter into correspondence with you but to refer you to Apex. You can contact them on the number stated above or at the address supplied on previous correspondence.
SEP Sent Account sold whilst in dispute letter to Apex Credit Mgt
OCT Letter from Apex Credit Mgt: With reference to your dispute, Lloyds Banking Group have confirmed a final response letter has been issued. Please see enclosed a copy of the final response dated January 2012. If you are unhappy with the outcome of your dispute, please contact the Financial Ombudsman Service and update us accordingly. If you wish to discuss this matter further, please contact us.
2013
FEB Letter "from Lloyds TSB" [but in an envelope with Wescot's address on the back]: As we haven't been able to agree a suitable repayment plan we've transferred your Lloyds TSB credit card to a debt collection agency, Wescot Credit Services Ltd. We've instructed Wescot to arrange collection of the outstanding amount. // Please contact Wescot a.s.a.p. to arrange to pay back the outstanding balance.
MAR Letter from Wescot Wescot Credit Services is a specialist DEBT COLLECTION organisation ... instructed by client to collect outstanding balance on their behalf. // You should follow the instructions and reply IMMEDIATELY. TO AVOID WESCOT TAKING FURTHER ACTION, YOU MUST 1) PAY THE DEBT IN FULL, OR 2) CONTACT US ON 0845 ...
MAR Sent Account sold whilst in dispute letter to Wescot
MAR Letter from Wescot We acknowledge that you have raised a query on this account // We will suspend all collection activity whilst the matter is under investigation. // As our investigation of your query will require us to contact our client, this process may take several weeks. We would appreciate your patience during this time. Upon concluding our investigation we will contact you again.
MAR Letter from Wescot Having contacted our client they have advised that they had sent a letter to you in January 2012 with regards to your dispute (copy enclosed). // We believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required by return. // In the event you believe you still have a valid dispute, please contact us with details wihin the next 14 days otherwise your account will be returned to our recovery team for collection [enclosed copy letter from Lloyds TSB from Jan 2012 (but with no LTSB letterhead): "According to our records we supplied reconstituted copies ..." above)
JUN Letter from Lloyds TSB "Statement of account" in the form of a letter (actually from Lloyds and not a DCA pretending to be them)
NOV Letter from Lloyds Bank We've transferred your account to Capquest, whom we've instructed to arrange collection of the outstanding amount..
NOV Letter from Capquest This is to inform you that this account has been referred to Capquest to manage in all matters related to collection which may include (•) Personal visit by our doorstep collection agency, (•) possible litigation. If contact is not made by [nine days hence] your account will be passed to our solicitors HL Legal. No contact will mean further action.
NOV Sent Account sold whilst in dispute letter to Capquest
NOV Letter from Capquest (From their automatic letter printing machine, sent less than a week after they received my sold in dispute letter, so probably crossed in the post): Prior to the start of legal proceedings various checks are made regarding your current circumstances. During this process it has been established that there are no outstanding CCJs registered against you at this address. // We are highlighting this to you as a matter of urgency. If we need to start the legal process and a CCJ is awarded, this may (blah etc. more consequences of CCJs). // We are not seeking an immediate payment in full; we can offer many repayment matters. All we ask is that you telephone us within the next ten days. No contact by this date will result in your account moving forward to litigation.
DEC Sent Copy of account sold whilst in dispute letter to Capquest
DEC Letter from Capquest Pleased be advised that in order to provide you with a copy of the agreement you will need to provide a £1 fee payable to Capquest. Once this fee has been received we can request the copy of the agreement from our client.
2014
JAN Letter from HL Legal CapQuest has appointed us on behalf of Lloyds Bank. // TAKE NOTICE THAT unless this a/c is paid within 10 days, court proceedings MAY be issued against you without further notice. (List of costs). Payment must be sent without delay to CapQuest. If you wish to discuss this matter you must contact our client CapQuest on 0333 999 7204. Court proceedings may involve you paying costs and will make it difficult to get credit if judgment is obtained against you.
JAN Sent letter to Capquest I received a letter from HL Legal on your behalf threatening court action. I enclose yet another copy of letter from Nov 2013 to which I have still not received a satisfactory reply.
JAN Letter from Capquest We have sent a query to our client and will advise on their response in due course.
FEB Letter from Capquest We are still awaiting a response from our client Lloyds Bank.
MAR Letter from Capquest We are discussing your case with Lloyds Bank and we hope to resolve this matter very soon.
JUN Letter from Lloyds Statement of account in letter form not showing anything other than the balance
DEC Notice of Assignment from Lloyds Lloyds has assigned all of its respective rights, title and interest in respect of this account (inc. outstanding balance) to 1st Credit (Finance) Ltd.
DEC Letter from 1st Credit Following assignment from Lloyds Bank plc, we would like to introduce 1st Credit (Finance) Ltd as the new legal owner of the outstanding debt. Please contact us to discuss repayment options.
2015
JAN Letter from 1st Credit If we don't hear from you, we can't help. [...] Should no contact be made with 1st Credit an escalation in collections activity may be considered. We prefer to not pursue this course of action and encourage you to engage with us to reach a resolution.
JAN Sent CCA request to 1st Credit
JAN Letter from 1st Credit (automated letter dated same day as they received the CCA request as per Royal Mail conf.) County Court proceedings are being considered. Regrettably, we are considering whether we should issue County Court proceedings against you. If a CCJ is registered against you, you may find it difficult to obtain credit at competitive rates. We would prefer not to pursue this course of action and encourage you to engage with us to reach an agreeable solution.
JAN Letter from 1st Credit Thank you for your recent communication. We are aware that you have requested a copy of your original credit agreement and/or statements for the duration of your account. We will contact the original creditor. We will suspend collections activity whilst the matter is under investigation. Please be assured that 1st Credit Ltd will assist you in resolving any outstanding queries.
JUN Letter from 1st Credit Annual statement enclosed. Should you wish to discuss this further please contact us. The details enclosed within this letter are for your information and we encourage you to take the time to read through them. // Blah convenient payment options.
2017
MAR Letter from 1st Credit We enclose a signed copy of your credit agreement and a true copy of your credit agreement at the time the account was opened and at the point of default and statements. Due to the the account entering into collections, it has been found necessary to supply an additional post default payment history. This is a snapshot from our system and can be found at the back of the statements. // 'True copy' - What does this mean? Please note that a copy agreement does not need to be a photocopy or exact copy of the signed credit agreement. E.g. there is no obligation to include a signature or date of signature. It is permissible in law to do this by repopulating a template with details of the agreement taken from the creditor's records. The reconstituted copy must be a 'true copy' of the information in the original agreement and must contain the terms and conditions applicable at the time the contract was executed, and at the time the account was defaulted. // Statement of account In accordance with your request, the statement of account is as follows [...]. This fulfils our obligations under Section 78 of the Consumer Credit Act 1974; we hope this satisfies your request. // Please contact us within 14 days of this letter to discuss repayment of your above-mentioned account.
JUN Letter from 1st Credit Annual statement enclosed. Should you wish to discuss this further please contact us. The details enclosed within this letter are for your information and we encourage you to take the time to read through them. // Blah convenient payment options.
NOV Letter from 1st Credit Save up to 80% We are committed to helping our customers and would like to offer you a discount by way of partial settlement on your account. We believe this will help you repay your debt whilst saving you money. // Pay 20% in November and we will write off the remaining 80%. Or [30% discount if paid in December and 10% discount if paid in January. // Blah "partially satisfied", zero balance, will not be pursued by us or any third party etc. // If you would like to accept this offer please contact a member of our team on 01737 111111. All offers of settlement must be received by the end of November. If you are unable to accept this offer other repayment options are available. // This offer applies on a first-come-first-served basis and may be withdrawn when redemption limits are reached.
NOV Letter from 1st Credit Let us help // If we don't hear from you, we can't help. // We were the first in our industry to achieve the highest 3-star 'Exceptional' accolade from an independent assessment of customer survery responses carried out by 'Investor in Customers'. // From the first time we speak to you we will endeavour to review your individual circumstances and discuss details of your account in a constructive and confidential manner. // Please contact us on 01737 within 10 day to discuss the repayment options available to you based on your current financial circumstances. Alternatively, please refer to the contact methods at the top of this letter. // Should no contact be forthcoming an escalation in collections activity may be considered, which could have a detrimental impact on your credit file.
NOV Letter from 1st Credit County Court proceedings are being considered. Regrettably, we are considering whether we should refer your account to our internal Legal Department to initiate County Court proceedings against you. In doing so the below costs could also be added to your balance: Court fees: £763.65; Solicitors Fixed Costs £100.00 // If a County Court Judgment is registered against you, you may also find it difficult to obtain credit at competitive rates. // We would prefer not to pursue this course of action and request that you contact us on 01737 within 10 days to discuss the payment options available to you.
NOV Sent Account sold whilst in dispute letter to 1st Credit
DEC Letter from 1st Credit There is a discount available. You can get a discount on your current balance. // Unpaid accounts may be highlighted on your credit file. If the account is registered on your credit file and you were to make a partial settlement towards your account we will update the entry to 'partially satisfied'. The balance will be updated to zero and ou will not be pursued for the remainder of the balance by 1st Credit or any other third party.
DEC Letter from 1st Credit We are aware that you have raised a dispute/query on the above account. // What happens next // We will contact the original creditor to request any information they hold relating to a dispute in relation to this account. It may take several weeks for them to gather this information. We will suspend collections activity on this account whilst we endeavour to obtain these documents.
// What you can do: Please send us any information you have in relation to your dispute/query. This can include: details of what the dispute relates to; copies of any letters from the original creditor relating to your dispute; copies of any letters to the original creditor. // Please be assured that 1st Credit will assist you in resolving any outstanding queries.
2018
MAR Letter from Intrum 1st Credit is now Intrum. Pay this month and we will write off 90% of your balance. You should be aware that the period for recovering your debt by court action has expired, so we will not be issuing court proceedings to enforce payment. However, your debt still exists and legally we are within our rights to continue to ask you for repayment.

**Pip** · 6 January 2012, 22:20

Re: Pip's UE Diary

Pip's account no. 4
MBNA
Start date: June 2003
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 March 2011.
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 MBNA
JAN CCA received -- emailed Niddy -- Niddy says half

and half

JAN Sent Missing Prescribed Terms letter to MBNA
JAN Letter received from MBNA saying "Balance sold to Britannica Recoveries S.á.r.l. Mortlake"; with letter in same envelope from "Moorgate Loan Servicing". The wording says "it's been purchased", but there is no Notice of Assignment ...
FEB Letter from MBNA: Documents provided do comply with CCA requirements // As such, there is no need to seek an enforcement order in order to exercise our rights.
FEB Letter from Moorgate Loan Servicing: (referring to "Loan Account Number" -- it wasn't a loan). Not received payment on your a/c. Your a/c will now be transferred to our appointed agents, Arden Credit Management who will contact you to discuss repayment of the outstanding balance. (There is no reference in this letter to the original MBNA account whatsoever)
FEB Letter from Arden "Credit Managment": We have been instructed by Moorgate Loan Servicing to recover an amount outstanding to them. We have assumed responsibility for working with you to repay this amount; therefore all communication should be with us. Please call on receipt of this letter to discuss repayment. Easiest way to pay is debit or CREDIT CARD.
MAR Letter from Arden "Credit Managment": I am very concerned that you have not taken steps to address balance referred to in previous letter // Failure to come to an acceptable arrangement could result in sending someone to your address to discuss matter in person, passing account to solicitors to obtain judgment and enforcement action in line with your circumstances (e.g. charging orders/attachment of earnings). These have potential for increasing your current balance as charges for someone to speak to you in person would be added to your amount owed. CCJs will impact credit rating etc. This is an extremely urgent matter and one you should not ignore. To avoid any potential additional charges or negative impact to credit file, contact us ...
MAR Sent Prove It letter
MAR Letter from Arden: We are writing to confirm that the present situation of non-payment on the above account is not acceptable. // Full balance due and payable // You are in breach of this requirement; options available to you: monthly instalments/lump sum // Should you choose to do nothing, we may take further action: agent in person/legal action. Do not ignore this letter.
MAR Letter from Arden: Thank you for your letter dated xxx. I am presently investigating the comments you raised and a full response will be sent shortly.
APR Letter from Moorgate Loan Servicing: MBNA wrote advising your credit agreement had been cancelled // Options available to them included Sale of Debt. Your account has now legally been sold to Britannica Recoveries. We will consider complaint closed if we have not heard from you within eight weeks. They also enclosed a weirdly "hey! trendy! cool!" letter from Virgin Money: We're pleased to enclose a copy of your most recent T&Cs. Don't forget some of the other fantastic features of your account: Log on to do blah blah etc. You can even go paperless! [squeals with knicker-wetting excitement]. We'd like to take this opportunity to thank you for your custom and we look forward to hearing from you soon. They enclose "current" MBNA T&Cs -- 6 pages -- even though it's no longer current as MBNA have sold the account ..?
JUN Letter from Arden Credit Mgt: ***FINAL DEMAND*** I am extremely concerned that despite all of our attempts to contact you and discuss the above account you persist in refusing to address the outstanding balance. // Should you continue to ignore our requests for payment proposals, we will be left with no option but to review your account for further action to be taken ... this may mean home visit to discuss reason for non-payment, or account being passed to solicitors to initiate legal proceedings. We will be reviewing account in 7 calendar days; please contact our offices immediately ...
JUN Letter to Arden Credit Mgt: Telling them last letter received from them was in March saying "a full response will be sent to you shortly".
JUL Letter from Moorgate Loan Servicing: Sorry to learn of your dissatisfaction with the service received; complaints are taken seriously, [blah etc]. With reference to your letter of xx March 2012, our final response was sent on xx April 2012 (copy enclosed). Moorgate Loan Servicing has now appointed Arden Credit Mgt to manage your loan account. I can see from our records that Arden has made several attempts to contact you to discuss the account. The telephone calls have been made due to the need for a payment arrangement in line with your personal affordability and where possible to include proposals to reduce your account arrears. // Arden has tried to contact you to discuss the situation and I apologise that you have been upset by these calls. However payments do need to be mutually agreed and maintained. I note that you have not made a payment since xx January 2012. Failure to contact Arden immediately may now result in legal proceedings. Therefore contact us on [phone number] to discuss options to discharge yourself from this responsibility. // We are responding to your enquiry in respect of a loan with Britannica Recoveries SARL-Mortlake on behalf of Moorgate Loan Servicing. // Financial ombudsman info etc. blah.
JUL Letter from Arden Credit Mgt: Despite our numerous attempts to contact you we have not had a response from you or an indication of willingness from you to resolve this matter. Further to our last correspondence we have reviewed your account and determined that further action is necessary. To that end, I am going to instruct field agents to attend your property to discuss the matter with you in person. A fee for the visit will be charged to you with the amount not exceeding £75.00. We can cancel this if you contact us within five days of this letter and make satisfactory arrangements regarding your account.
JUL Sent Threat of Doorstep Visit letter to Arden Credit Mgt
JUL Letter from Resolvecall: We have been instructed by Arden Credit Mgt to contact you regarding the outstanding balance due to them by you. Arden Credit Mgt advise us that they have not been able to contact you [but I have been in contact with them] and they are concerned that you may be experiencing difficulty meeting your repayments. It is in your interest to contact Arden immediately upon receipt of this letter to discuss this account as a matter of urgency so that they can try and help you find a way to repay the outstanding balance. // If you do not contact Arden, this may lead to a personal visit being made by one of our representatives. // To avoid the need for this action, please call Arden on 0800 blah at once. They are happy to accept payment over the phone by debit/credit card. // Act now to get help; Please do not ignore this letter.
JUL Sent Threat of Doorstep Visit letter to Resolvecall
AUG Letter from Arden Credit Mgt: Income and Expenditure Statement -- Please complete and return this I&E statement within the next seven days. We will use this info to assess your affordability [sic] and to agree a payment arrangement with you. Blah etc.
AUG Sent Account Sold in Dispute letter to Arden
AUG Letter from Arden Credit Mgt: We have noted there has been no payment since [donkeys ago]. We require a payment arrangement to be put in place on this a/c immediately. Please complete the enclosed income and expenditure form. [No I&E form was enclosed]

AUG Letter from Arden Credit Mgt: I would like to speak with you about your account. Upon receiving this letter please contact this office on the above number, quoting a/c no. I look forward to [not] hearing from you.
AUG Letter from Arden Credit Mgt: Thank you for your recent letters. The notification sent to you dated July 2012 informing you that we were going to instruct agents to your property confirms our appointment. [???] We provided you with a copy of your credit agreement in April 2012. I enclose a statement of your account* for your information. Please contact us in order to discuss your payment proposals. Failure to do so may result in further action being taken. We will not be releasing you from your obligation. I hope this clarifies our position.
AUG Statement of Account enclosed with above letter: Please find detailed below a breakdown of your account, as requested.
Date --- Transaction Type --- Debit --- Credit --- Balance. Should you have any queries regarding the above, please contact this office on 0845 ... Yours sincerely. [There are no digits or figures shown on this "statement" whatsoever!]
AUG Letter from Arden Credit Mgt: Thank you for your recent letter dated xx August 2012. Our position remains as outlined in our previous responses. We have nothing further to add. I trust this clarifies our position in this matter.
NOV Letter from Moorgate: Britannica Recoveries S.a.r.l. - Mortlake have sold this account to Arrow Global Guernsey ("Arrow Global"). The transfer assigns all rights as owner to Arrow Global.
NOV Letter from Arrow Global: NOTICE OF ASSIGNMENT. All rights, title and interest transferred to Arrow Global Guernsey Limited. This account will be managed on behalf of Arrow Global Guernsey Ltd by Wescot and all future payments and correspondence should be sent to Wescot. If you are not making regular payments on this account place contact Wescot as soon as possible. [Data Protection act gubbins on reverse of letter]
NOV Sent Account Sold in Dispute letter to Arrow
DEC Letter from Arrow Global: We acknowledge your request for documentation pursuant to the CCA 1974 (I didn't request this from them) // We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in obtaining that which has been requested. We will now process your request for documentation from the originating creditor and will revert in due course. // We confirm that all collection activity will be suspended pending provision of the documents.
2013
FEB Letter from Arrow Global: We refer to our previous letter and confirm we still await receipt of copy documentation from the originating creditor. We wish to assure you that your request has not been overlooked. The a/c will continue to be placed on hold pending the documentation.
AUG Letter from Arrow Global: In response to a request for a statement under s78 of the CCA 1974 we enclose: a copy of the reconstituted agreement; a copy of the terms and conditions. // The OFT deems reconstituted agreements acceptable for situations where an original copy is unobtainable. // In December 2009, the High Court ruled that a true copy of an agreement does not need to be a photocopy or an exact copy of the original. A creditor is allowed to provide a reconstituted agreement, as long as that version is accurate and contains all the original information contained in the agreement, apart from a few exceptions that the law allows, which includes the signature, signature box and date of signature. // We confirm (a) to total sum you have paid is 0.00; (b) the amount outstanding is xxxx; (c) the amounts which will become payable comprise interest and costs, depending on what enforcement action is taken against you. // Please now provide your proposal for repayment of your debt. Failure to do so will result in the continuation of collection activity, which in your case may include litigation.
SEP Letter from Arrow Global: We refer to your recent letter. We note that you contend the copy agreement provided is unenforceable. We do not agree with your interpretation of the statute. The OFT deems reconstituted agreements acceptable for situations where an original copy is unobtainable They did provide an original of the application form but it was the same scratchy photocopy as provided by MBNA to begin with. Further details regarding transactions prior to assignment should be queried with the originating creditor. We are not obliged to provide this information. In the absence of any further contact, collection activity will continue in 21 days' time.
2014
JUL Letter from Arrow Global: We have now appointed Rockwell Debt Collection Agency to manage your account. Please contact Rockwell DCA to arrange payment of this account as a matter of urgency.
JUL Letter from Rockwell: Welcome to Rockwell. Please call us.
AUG Sent Account Sold in Dispute letter to Rockwell
OCT Letter from Rockwell: We referred your letter to our client. They have since confirmed that they received a request for CCA docs. These were all sent to you in Aug 2013, however we note you disputed the validity of the agreement with our client. They have further confirmed that this was not upheld and they sent you their final response in Sep 2013. As such, the balance remains due for payment. We therefore await your realistic proposals, along with income, expenditure, assets and liabilities. Blank I&E form enclosed. If you require further assistance in managing your debt, contact CAB, StepChange etc.

**Pip** · 6 January 2012, 22:53

Re: Pip's UE Diary

Pip's account no. 5
Citibank
Start date: Oct 2005
Balance as of Dec 2011: approx. £4,000
Last "full" payment (i.e. within their stipulated minimum): Sep 2010 (approx).
Last DMP payment via CCCS to Opus (see below): Nov 2011
Default notice not yet issued as far as I can ascertain
Status: Citibank sold account to Opus in October 2010 and CCCS transferred payments from Citibank to Opus automatically. (I should have stopped them in their tracks but was less clued-up then).
In October 2011 letter from Cabot saying they had bought the account. (see also below)

2011 = Pre-AAD days
OCT "Welcome to us" letter from Cabot saying they had bought the debt from Opus. Also enclosed alleged letter from Opus: Notice of Assignment of debt. This NoA is in the same font with same barcode and same tiny reference numbers in the margins as the Cabot letter. It looks like a forgery with the Opus letterhead knocked up in Photoshop or badly copied on a colour photocopier.
OCT CCA request letter sent to Cabot
OCT Cabot reply: they have requested CCA from original lender. They say "we do not accept the statutory fee" and returned the £1 postal order with this letter.
NOV I told CCCS to stop payment to Opus account
NOV Letter from Cabot: original lender is experiencing a delay in retrieving info from their archives. Cabot advises that debt remains legally due. We are still able to report to the credit ref. agencies regarding status of the debt and recommend that you continue payments.
NOV "Account in Dispute" letter sent to Cabot
DEC Cabot reply: Unfortunately Cabot has not been able to provide requested info within relevant time period. We shall continue to request info from original lender. In meantime we would like to inform you that your account will remain on hold with the Customer Assurance Department until such time we can comply with your request. Please note, you are still obliged to repay the outstanding balance as confirmed in this letter and therefore we would recommend you contact us as soon as possible to set up a repayment programme. This seems contradictory -- they say the account is on hold, yet in next sentence say I need to pay?? So far I've not responded.

**Pip** · 6 January 2012, 22:57

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).
MAR Letter from RBS: (and a terse one at that): THIS IS A FINAL DEMAND FOR PAYMENT // We currently require £xxxxxx.xx from you. If we do not receive payment within the next 14 days, the account will be sent to a debt collection agent. Even at this late stage, this can be prevented and we are still willing to discuss a payment programme.
APR Letter from Allied International Credit (AIC): Your account has been passed to us by RBS Card Services to act as a collection agent and we will now be dealing with your a/c. // We offer a flexible approach [...] different options that suit a wide range of personal circumstances [...] You may have been unable to find a suitable repayment plan on this account previously and we believe that we can help you repay the account. [nice!] We will be in contact with you during the next seven days by letter and/or phone in order to discuss your repayment options in detail. In the meantime, if you want to contact us you can phone us on a Glasgow number even though the address on the back of the envelope is a Bristol one. [Thanks for the offer but I don't think I'll bother.]
APR Sent Account Sold In Dispute letter
APR Letter from Allied International Credit (AIC): We note that you are requesting a copy of the consumer credit agreement relating to the above account. We are happy to do this for you; however, our client, RBS Card [sic], requires a fee of £1.00 for a copy agreement. Should you require copy statements a fee of £10.00 will be required. Please send fee this directly to AIC.
NOV Letter from Fredrickson International Ltd: Your details have been passed to us by MINT to act as a collection agent and we will now be dealing with your account. // Please telephone us to discuss your repayment options in detail. // If we do not hear from you we will be in contact with you by letter and/or phone.
NOV Sent Account Sold In Dispute letter
NOV Letter from Fredrickson International Ltd: Our client confirms they complied with your CCA request (copy of CCA enclosed). // Our client believes the outstanding balance is lawfully due to them. We confirm that we are acting in good faith and our actions have been lawful. We and our client deny harassment and any such claim will be vigorously defended and you are put to strict proof of such serious allegations. // This matter relates to a debt that you are contractually obliged to pay. As we have no record of a valid dispute in this matter, and as we have clarified our position and that of our client we look forward to hearing your payment proposals within the next 21 days. If we do not hear from you in that time collection activity may resume.
NOV Letter from Fredrickson International Ltd: Dated one day later than the above Thank you for your recent letter. We have referred the matter to our client and will revert to you as soon as we have received instructions. In the meantime, we confirm that we have placed the account on hold.
DEC Letter from Fredrickson: We wrote recently and invited you to contact us to discuss repayment proposals but we have failed to receive a satisfactory response from you. // To avoid further debt recovery action being taken you must contact us within the next seven days. // blah default registered on your credit file may adversely affect future applications for credit.
DEC Replied to Fredricksons referring them back to their November "account on hold" letter
DEC Letter from Bryan Carter Solicitors: Fredrickson have asked us to write to you in connection with this outstanding debt as they have failed to receive a satisfactory response from you in their requests for payment. Freds would still like to set up an affordable repayment arrangement with you and you should contact them to discuss repayment options. // Please note that if you do not contact Fredricksons to discuss repayment arrangements further debt recovery action may be taken against you. // This is a serious matter and you may wish to take independent legal advice.
DEC Letter to Bryan Carter referring them to previous Freds letter
DEC Letter from Fredrickson: Despite a letter from Bryan Carter Solicitors you have failed to discharge a debt with our client. // We are prepared to offer you one final opportunity to pay before recommending to our client that further debt recovery action be taken against you.
2013
JAN Letter from Fredrickson: Our client confirms that they complied with your request for CCA documents in January 2012. // Our client believes the outstanding balance is lawfully due to them. // This matter relates to a debt that you are contractually obliged to pay. As we have no record of a valid dispute in this matter, and as we have clarified our position and that of our client we look forward to hearing your payment proposals within the next 21 days. If we do not hear from you in that time collection activity may resume.
APR Letter from RBS Mint: Our collection agent has been unable to contact you or agree a suitable repayment plan therefore your account details have been passed on to Wescot Credit Services Ltd [good grief -- third account that's now with that lot] to act as our new collection agent. Any account queries should be addressed to this agent until further notice. // Wescot will contact you in the next 14 days to confirm receipt of your details. They will then look to discuss your repayment options in detail.
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.
2018
MAR Letter from Cabot: Save £3,500 and close your account this Easter! This Easter Cabot are reaching out to more customers to help them become free of their accounts, and you're one of them! What you could pay: £1,500; Your saving: £3,500! We can talk to you about whether this offer is affordable for you and we can be flexible on how you can pay this amount depending on your situation.
2019
MAR Letter from Cabot: Welcome to Cabot. We are part of the Cabot Credit Management Group that own your Mint credit card. We have recently confirmed you are living at the above address and need to make you aware that we are now responsible for helping you manage your account and receiving your future payments. // Next Steps: We want the repayment process to be as easy as possible for you [...] Bottom of letter states: "Cabot Financial (Europe) Ltd is an Appointed Representative of Cabot Credit Management Group Ltd". Second enclosed sheet states: "Cabot Financial UK Ltd has acquired your account and is now the legal owner. This letter is a notice of assignment and it is important you keep this letter at all times. Cabot Financial UK Ltd has appointed Cabot Credit Management Group Ltd to act on its behalf in relation to all of its accounts purchased. Cabot Credit Management Group Ltd is authorised and regulated by the FCA and has appointed Cabot Financial (Europe) Ltd, Hillesden securities Ltd t/a dlc and Apax Credit management as appointed representatives. You will be provided with reasonable notice as to which firm in our Group is administering your account.
MAR Letter from Cabot: Pay 10% of balance to close your account with Cabot. We want to give you an opportunity to close your account with Cabot. With a one-off payment you could be free of your account. We would like to discuss whether this offer is affordable for you. We can discuss your situation with you, and if it's more affordable we can arrange for you to break up this discounted offer over a period of time. Once you have made your final payment we will send you a letter to confirm your account has been closed and we will stop contacting you about this account.
AUG Letter from Cabot: Set up your ideal payment plan There are many different options available to close your account, every month 10,000 of our customers close their accounts with a payable plan and we think this can work for you too. It's easy to set up and affordable. How to get started Call us .... Go to our website ...
SEP Letter from Cabot: Setting up a payment plan We're waiting to hear from you to discuss your account. We're pretty flexible about how to repay and we can explore all your options with you. // We want to make paying off your account as simple as possible, you can make life easier by organising a Direct Debit, this is the most popular way of paying. [sic. re commas]. // We have thousands of customers that find it easier to make monthly payments, but if you prefer we can discuss settlement options with you which could include a discount. // Take the next step -- Contact us
OCT Letter from Cabot: Explore your repayment options with Cabot. We're waiting to hear from you to discuss your account. We want to find the right solution for you so we want to let you know your options: Set up a Personal Payment plan with affordable monthly payments // See if you're eligible for a discount, we can discuss how this can work for you // If you need financial help, we can help you find it. // Setting up a plan is simple. Most of our customers choose to repay with a payment plan because it's easy and affordable. Call us on 0345 ... and one of our customer consultants can discuss your ideal plan and help you set it up. // Or take control of your account, thousands of our customers use our website to manage their accounts because it's easier for them! Get started by going to [Cabot website]

**Pip** · 6 January 2012, 22:59

Re: Pip's UE Diary

Pip's account no. 7
Sainsbury's
Start date: June 2004
Balance as of Dec 2011: approx. £7,000
Last "full" payment (i.e. within their stipulated minimum): Sep 2010 (approx).
Last DMP payment via CCCS: Dec 2011
Default notice issued Feb 2011.
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 Sainsbury's Bank (Royal Mail delivery conf. printed)
JAN CCA received-- emailed Niddy -- Niddy says

JAN Sent Missing Prescribed Terms letter to Sainsbury's
FEB Letter from Blair, Oliver & Scott Payment not received // Failure to give attention to this will result in further action
FEB Letter from Sainsbury's We have complied with s.78 // I disagree that the application is unreadable // Agreement is and will remain enforceable // Full balance is due and in arrears
MAR Letter from Blair, Oliver & Scott Payment in arrears // Must pay immediately // Failure will result in your plan being cancelled and further action to recover debt. This may include door-to-door recovery agent to call at your address; court action to seek a judgment -- if successful we could seek an order allowing us to collect money direct from your employer or if you are a homeowner applying to court for a charging order on your property. Call today // payment can be made by CREDIT CARD
MAR Sent Threat-o-Gram Letter Before Action
MAR Letter from Blair, Oliver & Scott DO NOT IGNORE // Urgently trying to contact you // you do not appear to have responded to our requests for payment or provided acceptable repayment proposals // Call "helpline" below to speak to our agents // We urge you to sort this issue out immediately to prevent us taking further action. This may include doorstep collectors/court action/charging order.
MAR Letter from Blair, Oliver & Scott YOUR IMMEDIATE ACTION IS REQUIRED // You have failed to respond to our requests for full payment and not contacted this office with acceptable repayment proposals. Because of this your debt will be prepared for further action if you do not contact us within five days. // What action will be taken? // Door-to-door collectors/Court action may be taken, charging order

. How can you prevent this happening? Pay balance in full/call us TODAY to agree a suitable repayment plan. You can still prevent further action by calling us today and making a CREDIT or debit card payment. We suggest you contact a solicitor or CAB.
MAR Replied sending copies of Threat-o-Gram Letter Before Action previously sent to them which they have so far ignored
APR Letter from Sainsbury's: [Although I wrote to BO&S, not them; letter with Leeds address at top and not a proper letterhead, and with a 2nd class frank on envelope bearing "Birmingham"] Unfortunately, we've issued our final response. // Means we've nothing further to add // we really can't keep writing to you about the same issue. However, you have my assurance that we'll add any further letters you send us to our file. Turning to your allegations of harassment [...] the bank will give no undertaking not to contact your client to ask for payment, particularly as the alleged "dispute" is unfounded. // You have asked that all communication is in writing posted by special or recorded delivery [no I didn't ask for special/recorded] and that we do not contact you by telephone. Happy to write to you by standard postal services but reserve the right to contact by telephone for our legitimate commercial purposes. // As explained in our final response letter, if you're still unhappy you can ask the FOS to look into what's happened. We've now closed our file but will cooperate fully with Ombudsman Service if you decide to ask them to look into your complaint.
MAY Letter from Blair, Oliver & Scott NOTICE OF INTENDED COURT ACTION -- SAINSBURY'S BANK PLC versus PIP. Formal notice is hereby given that our client has instructed us to commence court proceedings against you without delay. Papers are now being prepared for commencement of action through your local court to seek a judgment against you. If you are a homeowner and do not pay [...] we may apply for charging order on your property. YOU MUST MAKE PAYMENT NOW TO STOP ACTION BEING TAKEN. Call today/talk to Helpline staff/ make payment.
MAY Sent Threat to Commence Litigation letter to B, O & S
JUN Letter from Sainsbury's Notice that they've "transferred" the debt to Moorcroft [although it's got a Stockport frank on the letter -- it's like anybody could knock these things up and send them out ...]
JUN Letter from Moorcroft: Been instructed by Sainsbury's // Legal requirement to send notice of intended litigation before legal proceedings are issued // Letter fulfils this even if not read by you // To prevent our recommending to our client that solicitors commence legal proceedings ... essential to settle debt without delay. If an agreement is not reached in [four days' time(!)], a claim may be issued by solicitors instructed to act on behalf of our client without further notice. Etc. Etc.
JUN Sent Threat to Commence Litigation letter to Moorcroft
JUN Letter from Moorcroft: Requesting £1 CCA request fee
JUN Sent letter to Moorcroft saying that I sent a CCA request letter to Sains. on such-and-such date
JUL Letter from Moorcroft: Please send proof that you requested CCA and that the £1.00 was paid.
JUL Letter from Midas Credit Services: LITIGATION WARNING -- We are part of Moorcroft Group and are aware that you have failed to reach a repayment agreement with Moorcroft concerning above a/c. We are now reviewing the a/c prior to the possible recommending of legal action by external solicitors acting on behalf of our clients. To prevent possible further action you must contact Moorcroft at this address. Failure to contact Moorcroft by [couple of days ago] may result in the issue of legal proceedings without further notice.
JUL Sent Threat to Commence Litigation letter to Moorcroft
JUL Sent Threat to Commence Litigation letter to Midas
JUL Letter from Moorcroft: Our records show you have not made any payment to us // account has now been passed to our Home Collections Division for action. May involve local rep calling at your home address // If you prefer to make repayment arrangement, you must TELEPHONE us no later than [sometime later this week]. If no satisfactory arrangement is made with us or our local rep, you may leave us with lo alternative but to recommend client to commence legal/solicitors proceedings without further notice
JUL Sent Threat to Commence Litigation letter to Moorcroft (again)
JUL Letter from Moorcroft: Thank you for your letter requesting a copy of the credit agreement [I didn't send them one requesting this; this is how they've interpreted the threat to commence lit. letter.] Under the CCA 1974 you must provide £1 fee. Consequently if you submit the prescribed payment we will gladly process your request.
JUL Letter from Moorcroft: Our records show that you have failed to pay the £1.00 fee, therefore we have been unable to assist you in your request. Please forward the £1 fee payable to the above client etc.
AUG Letter from Moorcroft: We are agents of "Sainsbury Bank" [sic]. We have been asked to contact the a/c holder and we have been provided this address by a credit ref. agency. Please contact us to confirm the position [???] so that we can make the appropriate arrangements. However, if you believe that you are not the person responsible for the account, it is important that you contact us immediately, either by phone or letter.
AUG Letter from Moorcroft in Comic Sans font: IMPORTANT INFORMATION - POSSIBLE FURTHER ACTION. To prevent further debt recovery action, please send your payment proposal before a date three days hence or phone 0161 within the next seven days [durr?]. If you do not contact us following receipt of this letter we may have no alternative other than to recommend to our clients that they consider possible further debt recovery action against you, which may follow. Contact us now and we would be happy to discuss a payment programme that you can afford and maintain, In certain circumstances we may also be able to offer a substantial discount from the outstanding balance. Contact us now.
SEP Sent Telephone Harassment letter to Moorcroft
SEP LONG letter from Moorcroft: We confirm your a/c has been amended so that you receive no telephone contact from us whilst written contact is now [sic] maintained. // Our records do not appear to show any direct telephone contact has been achieved. In order for the relevant department to investigate the level of frequency and quantity of calls made we ask that you provide specific details such as times, dates, etc. [I've made a log of these.] // We can see from our records that you have requested a copy of the relevant CCA and a letter has been sent to you to request the relevant £1.00 fee and to date we do not appear to have received this payment. // In relation to the validity of this debt, it is our understanding that the Information Commissioner's Office has confirmed blah etc [as seen elsewhere, they quote the ICO which is utterly irrelevant. They may as well quote something that Zippy and Bungle from Rainbow have said while they're at it]. Blah more quotes re. UE from OFT website // With this information in mind we could confirm that our client has appointed us to assist with the recovery of this outstanding debt that they believe you are liable for. We would now ask that you provide any specific reason why you may not be liable for this debt and why our client should not be requesting payment. // You account is on hold for 14 days to allow you the opportunity to respond to this letter and our request.
SEP Sent follow-up Telephone Harassment letter to Moorcroft and another confirmation that I had paid the £1.00 fee in January
OCT Another long letter from Moorcroft: Blah guff about their calls not constituting harassment // We do not appear to have received the £1.00 fee [I didn't send it to them, I sent it to OC in Jan] // Blah, wrangle over the £1.00 [...] however, to assist in this matter I have requested that our client provides us with a copy of the CCA and statements of this account that support the liability suggested by our client. This request is being made in an effort to move this account forward. // I request that you confirm specifically why you believe you may not be liable for this debt that our client has requested is repaid. Your account is on hold for 28 days to allow you the opportunity to respond to this letter and our request, and for us to revert back to you with our client's response.
NOV Letter from Moorcroft: We have contacted our client; account remains on hold whilst client continues to investigate the matter.
DEC Letter from Moorcroft: Our client advises us that a copy of the agreement has been sent to you previously. They believe that this now settles matters and have instructed us to help them recover this debt for which they believe you remain liable. If you have further concerns I ask that you provide specific reasons why you may not be liable for this account. // Your account remains on hold for a further 14 days.
2013
JAN Letter from Moorcroft We have had no further contact from you in relation to this account. Without any further contact from you the account can only be held for a further 28 days. After this time the account will be closed and returned to our client who will then decide on any future action. // We would therefore request that you contact us to let us know how you wish to proceed with this account in order for us to assist you further.
MAR Letter on Sainsbury's letterhead (but obviously from Wescot) As we haven't been able to agree a suitable repayment plan we've transferred your Sainsbury's Bank credit card to a debt collection agency, Wescot Credit Services Ltd. We've instructed Wescot to arrange collection of the outstanding amount. // Please contact Wescot a.s.a.p. to arrange to pay back the outstanding balance.
MAR Letter from Wescot Wescot Credit Services is a specialist DEBT COLLECTION organisation ... instructed by client to collect outstanding balance on their behalf. // You should follow the instructions and reply IMMEDIATELY. TO AVOID WESCOT TAKING FURTHER ACTION, YOU MUST 1) PAY THE DEBT IN FULL, OR 2) CONTACT US ON 0845 ...
MAR Sent Account sold in dispute letter to Wescot
MAR Letter from Wescot [Received one week after date on letter] FINAL NOTICE. Our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous correspondence. // Unless you contact us to agree full repayment within the next ten days further collection activity will be taken to recover the full outstanding balance.
MAR Letter from Wescot: We acknowledge that you have raised a query on this account. // We will contact you again
APR Letter from Wescot: We will investigate the issues you have raised and contact you again in due course
MAY Letter from Wescot: We are not yet in a position to provide you with a final response
MAY Letter from Wescot: I was concerned to not the matter you have raised // I can confirm our client has advised your request under the CCA has been processed by them and the relevant documents have been issued to you directly. Your account has been placed on hold for 30 days for you to contact Wescot with your proposals for repayment
JUL Letter from Wescot: Thank you for your recent contact. We acknowledge that you have raised a request for documentation on this account.
JUL Letter from Wescot: Thank you for your patience; we can confirm that your account remains on hold whilst we await further information from our client.
AUG Letter from Wescot: We refer to your recent communication; please find enclosed copy agreement as requested. Payment is now required and can be made by debit card or by calling 0844 .... (They enclose a copy of a one-page application form with signature; no terms)
AUG Letter from Wescot: Reduced settlement offer // As a final attempt to avoid further action, our client has agreed that we can offer you a discount to settle your account. For a limited period only ... contact us in the next ten days or the offer will be withdrawn. Unless a suitable arrangement plan is reached within 10 days of this letter, further recovery action will be taken.
SEP Letter from Wescot: Opportunity to take control of your outstanding balance -- We understand that there might be many reasons why you have not responded to us in relation to this account. [...] Wescot are specialists in establishing repayment plans that best suit the needs of clients and their customers. [...] (a bunch more touchy-feely waffle) Contact us today where one of our dedicated operators will help you make a fresh start.
SEP Letter from Wescot: Doorstep collection visit. As we know of no genuine reason why you have failed to repay the outstanding balance, instructions will now be provided to Scotcall, a doorstep collection agency, to make an appointment with you to visit your home address. The purpose of this visit is to agree with you how you will repay this debt. You have a final opportunity to avoid referral to Scotcall by telephoning us urgently to agree a suitable method of repayment of the outstanding balance.
SEP Sent No doorstep visit letter to Wescot
OCT Letter from Wescot: Thank you for your recent contact; we acknowledge that you have raised a request for documentation. // We need to contact our client; may take several weeks; appreciate your patience.
OCT Letter from Wescot: Having contacted our client they have advised they will be unable to provide a copy of the original agreement due to the age of the account. The reconstituted agreement can be provided if you send your request in writing, quoting s77-79 of the 1974 CCA, and enclose the required £1. // To allow you to comply with our client's request, we have placed your account on hold for 21 days. Please keep us updated with the situation as your account may be returned to the collection process after the hold period expires.
2016
OCT Letters from Sainsbury's Bank + Cabot in same envelope --- Account has been sold to Cabot Credit Management Group as of August (not October date of letter).
NOV Letter from Cabot We really want to help you. We understand that you may not be able to pay ... What could happen if you don't talk to us? -- Credit file may be affected // -- We may have to consider other ways to recover your debt // -- You will receive calls or letters until you contact us // -- The outstanding amount will remain due. // Have a great day and we look forward to talking to you very soon.
DEC Letter from Cabot We have previously explained that there are several options available ... // We do need to hear from you so that we can help you take positive steps towards agreeing an affordable repayment plan ... // If you're having any difficulties in being able to pay then it is important you tell us. // Your account may be reported on your credit file and may affect your ability to obtain credit ...// If we do not hear from you we will continue to contact you to help you resolve your outstanding balance.
2017
JAN 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. Of course, we will ensure that all of your priority expenditure is up to date and anything you arrange with us is affordable and fair.// 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, 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.
FEB Letter from Cabot We have not heard from you // 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, all of which are in an attempt to help you be free of this debt. // You can manage your account by repaying an amount on a monthly basis or make a proposal etc. etc. // 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.
APR Letter from Cabot 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 Moorcroft to try to arrange a visit 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 in the next 7 days. // If you need financial help, the we can help point you towards organisations that provide free independent advice etc...
MAY Letter from Moorcroft Our client has informed us that despite numerous attempts they have been unable to contact you to discuss your account. They have therefore passed your account to us to act as a collection agent. // This may involve our local representative calling at your home address. Please call us if there is a particular date or time when you would prefer our representative to call. Our representative's normal hours of operation are [...]. Appointments outside these hours may be arranged on request. // The purpose of this visit will be to assist you in establishing contact with our head office team by telephone. The visit does not necessarily involve any recovery of monies or possessions and is purely to help reconnect you to our Head Office team to establish your circumstances and discuss a route forward. // If however you would prefer to agree a repayment arrangement direct with our Head Office team to avoid a visit or you believe there is an outstanding query on your account, you must telephone us no later than [date later this week]. // If you genuinely cannot afford to make any repayment, speaking with us may still help. We can guide you to free money advice services and our scheduled visit will still be cancelled. Please do contact us on the above number.
JUL Letter from Moorcroft Further to our recent correspondence, we have not heard from you to arrange a convenient date for our representative to call at your home. // We have therefore asked our local representative XX, ID no. XXXXX to attempt to call on [a day and time when there'll be nobody here]. The purpose of the visit will be to assist you in establishing contact with our Head Office team by telephone [ey??]. The visit does not involve any recovery of monies and is purely to help reconnect you to our Head Office team to establish your circumstances and discuss a route forward. // If you will not be available on this date or would like to arrange an alternative visit please call 0161 .... as soon as possible. Alternatively, if you would like to discuss your account directly with our Head Office team to avoid a visit or believe there is an outstanding query on your account, you must telephone us no later than [3 days before scheduled date of "visit"]. // If you are experiencing financial difficulty, speaking with us may still help. We can guide you to free money advice services and our scheduled visit will still be cancelled. // We strive to offer the highest standards of customer service from both our Head Office team and local representatives and we would welcome your views on the experience. We would therefore ask you to keep this letter until after XX visits you and complete the quick questionnaire overleaf.
AUG Letter from Moorcroft I am sorry that despite our attempts to contact you, no satisfactory agreement has been reached regarding the balance outstanding on this account. *Affordable Repayment Plan* To stop further debt recovery action (e.g. further letters and telephone calls), we are able to accept a repayment plan based upon your financial position that you can afford. As an illustration if you could afford to pay £50 per month, your balance would be cleared in [blank!] months. However we are happy to agree with you any sensible alternative (higher or lower than this figure) based on your specific circumstances. // Please be assured that we will always take your circumstances into account. We are aware that these are difficult times and when you are experiencing any financial difficulties it is important that we work together. Alternatively you may wish to seek advice from Step Change, CAB etc. // Please give this matter your immediate attention.
SEP Letter from Cabot Your account // We are the Cabot Credit Management Group and we own your account. Another company has been managing this for us, it has now been returned to us and we will be receiving your future payments. // Next steps // We would like to help you set up a Personal Payment Plan with us, which will see you free of this account at a rate that is affordable for you. We can talk to you about our different solutions and find the right one. We will take your situation into consideration and ensure whatever we agree is fair.
OCT Letter from Cabot + income/expenditure form Your account // We have been trying to contact you as you owe £XXXX on your account with us. // Our aim is to help you repay this debt but you need to take steps towards achieving this with us. // Our Customer Consultants will take the time to understand your circumstances and work with you, no matter what your situation is. We can set up a repayment plan that is affordable and one that you can maintain. // If you would prefer to send your offer of monthly repayments in the post then you can complete the enclosed budget form and send it back to us, along with the date you would like to make your payments. // What could happen We have a flexible approach to how much you owe us, which may allow you to clear your account more quickly. // Your credit file may be affected by the amount you owe. If you make regular payments towards your account, your credit file will show the outstanding balance reducing. Please call us on X and one of our Customer Consulants will be able to help you. We look forward to hearing from you.
NOV 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.
DEC Letter from Cabot 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 debt, £50 disposable monthly income; pay £41.67 a month for two years/£16.67 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 etc.
2018
MAY Letter from Cabot External agency recovery notification -- This letter is to notify you that as we have not come to a mutual agreement to repay your account, Cabot will be passing your account out to Ruthbridge Limited, a debt collection agency.
MAY Letter from Ruthbridge (in same envelope) We have been instructed by Cabot Financial Europe Ltd who have passed to above debt to us for collection of the outstanding balance. As we have now been appointed their agent, you should now make sure you contact us and not Cabot. We are authorised to negotiate repayment of the debt with you. We would like to resolve this matter taking into account your current financial situation and working with you to agree repayment terms that are affordable with you. // We are able to discuss various repayment options, these include: // Repayment of the debt by realistic instalments over an agreed period, subject to your financial circumstances and periodic review. // Early settlement of the debt by payment of a single lump sum. Under these circumstances if may be possible to agree a significantly reduced figure to be accepted as a settlement on the account. // To avoid any further action it is important that you make contact with us on the telephone number above so we may work together to agree a solution in line with your personal circumstances. // You should be aware this debt will remain outstanding if ignored and we urge you to work with us to get the matter resolved as quickly as possible.
MAY Letter from Ruthbridge We have received no response to our previous attempts to establish contact with you regarding the unpaid defaulted account above. In an effort to amicably resolve the situation we are prepared to offer a discount to settle the balance of up to 70%, subject to criteria. The payment must be received in our offices no later than [less than a week's time!]. The payment would be accepted in settlement of your liability and will also ensure that you are not pursued for the remaining balance at any point in the future by us or our client. // If you fail to contact us to discuss this offer further, propose an alternative arrangement for the repayment of the balance or advise us of the reasons why you are unable to pay, we may return the account to our client who may look at alternative activity. // We would rather resolve this matter amicably and ask that you contact us to make this possible. If you are in a postion to take advantage of our settlement offer once your remittance has been received and cleared, our client where applicable will update the credit reference agencies to mark your account as partially settled.
2019
APR Letter from Ruthbridge We write to confirm that we are able to offer you a special discount on your outstanding balance. We are prepared to accept a Full and Final payment of 20% of the balance in settlement of your obligation. However the payment needs to be made no later than [next week] for the offer to be valid. Payments can be made via ... // Please ensure that funds are affordable and make us aware of any outstanding priority bills you may have before making this payment. Once your remittance has been received and cleared, our client where applicable will update the credit reference agencies to mark your account as partially settled.
NOV Letter from Cabot We have passed your account to Ruthbridge. As we've been unable to reach an agreement to repay your account, we have asked Ruthbridge to manage your account for us. // A letter from Ruthbridge is included with this letter; they will help you set up an affordable payment plan which will help you become free of your account.
NOV Letter from Ruthbridge We have been instructed by Cabot Financial Europe Ltd who have passed the above debt to us for collection of the outstanding balance. As we have been appointed as their agent you should now make sure you contact us and not Cabot. We are authorised to negotiate repayment of the debt with you. // We would like to resolve this matter taking into account your current financial situation and working with you to agree repayment terms that are affordable to you etc etc.
NOV Letter from Ruthbridge We have received no response to our previous attempts to establish contact with you regarding the unpaid defaulted account above. // In an effort to amicably resolve the situation we are prepared to offer a discount to settle the balance of up to 70%, subject to criteria. The payment must be received in our offices no later that ten days from now. // If you fail to contact us to discuss this offer further, propose an alternative arrangement for the repayment of the balance or advise us of th reasons why you are unable to pay, we may return the account to our client, who may look at alternative activity etc. etc.
2020
APR Letter from Ruthbridge We write to confirm that we are able to give you a special discount on your outstanding balance. We are prepared to accept a full and final payment of ~£1500 in settlement of your obligation. However the payment needs to be made no later than 7 March 2020 for the offer to be valid. You can make a secure payment by visiting our website. // Please ensure that funds are affordable and make us aware of any outstanding priority bills you have have before making this payment. Once your remittance has been received and cleared, our client where applicable will update the credit reference agencies to mark your account as partially settled.
OCT Combined letter from Cabot and Global Debt Recovery Ltd Cabot: As we've been unable to reach an agreement to pay your account, we've asked Global Debt Recovery Ltd to manage your account for us. // Global: We've been appointed by Cabot.
NOV Letter from Global Debt Recovery Ltd Please contact us so that we may assist you in the resolution of your account [...]. If no response is received within 14 days, your account will be escalated to our collections department.
NOV Letter from Global Debt Recovery Ltd [...] your account has been escalated to our collections department. // We are here to assist you in finding a solution to your account which is appropriate to your current situation. We would therefore like you to contact us without delay on 020 ... so that we may discuss your account and prevent further contact being made.

**Never-In-Doubt** · 6 January 2012, 23:11

Re: Pip's UE Diary

Well done on sorting out such a pretty diary

Ok, well when you get the CCA's back - send them my way and we'll take it from there eh? Any questions, worries or burning panic attacks - give us a shout, we're here to help and will do so the best we can.

Best of luck

**pompeyfaith** · 6 January 2012, 23:20

Re: Pip's UE Diary

Pip,

Good luck with these, you are in safe hands here and will get the best help available on a way forward.

Regards

**Oct Revolution** · 6 January 2012, 23:26

Re: Pip's UE Diary

welcome aboard pip

Good luck with you're UE journey/diary.

We all started the same as you did with a thousand and one questions whirling round our heads and not knowing what the future will hold BUT it does become clearer and better. Just follow the great advice given on here and you will be fine.

Don't panic - you've made the first step.

**Pip** · 6 January 2012, 23:53

Re: Pip's UE Diary

Many many thanks everyone. I can hardly believe the amazing welcome and so many kind words since my first posting just yesterday afternoon!

For the first time I can see a way through this debt rather than 10+ years of being beholden to CCCS's demands of poverty. And even then, when you pay over £1200 in a year to the likes of Lloyds TSB via a DMP and still see your debt increase by over £1000 with them, what the hell are you meant to do?

Again many thanks! (And glad to see the donation page on the website is working now ..!)

**Never-In-Doubt** · 7 January 2012, 00:05

Re: Pip's UE Diary

Originally posted by Pip View Post

(And glad to see the donation page on the website is working now ..!)

Oh you noticed! I was going to remove it but got told off again! So had to re-do one suitable to the new theme

But there's no need to bother about that - I'd rather you went and got pissed or treated yourself

**Pip** · 11 January 2012, 14:05

Re: Pip's UE Diary

Originally posted by Pip View Post

Pip's account no. 2
Halifax

Jan Moorcroft letter: Records show not paid Halifax full amount [did pay them something in Dec though]. Unless payment received by return of post, we may recommend to our clients that they instruct their solicitors to commence legal proceedings without further notice. Neither we nor client wish to take this step;

call us on above no.

and we would be happy

to agree a repayment plan. Note: Moorcroft don't own this debt, they know payment has continued to go to Halifax, so why the hell bother paying the monkey (or indeed the organ grinder)...

Jan CCA received -- emailed Niddy

Emailed Niddy!

**Pip** · 11 January 2012, 14:09

Re: Pip's UE Diary

Originally posted by Pip View Post

Pip's account no. 7
Sainsbury's
Jan CCA received-- emailed Niddy

Emailed Niddy!

**Pip** · 12 January 2012, 16:57

Re: Pip's UE Diary

Pip's account no. 3
Lloyds TSB

Jan Reply to CCA request received from Lloyds TSB Holding off on emailing it to Niddy until after his return. Even to my untrained eye it looks like a lot (or not very much) codswallop, a good chunk of it sanctimonious and hectoring ...

The address on the "copy" agreement isn't my current address, but then neither is it the address where I was living when I first got the card ...

The snotty covering letter did reveal where that mysterious BX1 1XB or whatever postcode ends up -- Andover in Hampshire ... hmm. How Lloyds TSB managed to bribe Royal Mail into getting their own postcode prefix -- even the DVLA with their megatons of mail are happy with a humble Swansea postcode!

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Pip's UE Diary

Pip's UE Diary

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