Pip's UE Diary

[nightwatch]

Re: Pip's UE Diary

I like a good plan x

[nanna58]

Re: Pip's UE Diary

Good plan x

[Pixie]

Re: Pip's UE Diary

Hiya Pip, Cabot have been calling and texting me but I've blocked the numbers.

I agree with your instinct, ignore but keep a careful eye open for anything more threatening. As the debt gets closer to SB, you'll probably get a lot more contact but hold your nerve!

[cymruambyth]

Re: Pip's UE Diary

Yes continue to ignore, SB is slowly getting closer so expect more contact!

[Pip]

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)

[snipped, see post #6 for rest]

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.

Well, it took them longer than I was expecting to send another letter, although they have phoned five times and sent five texts in the past five weeks. The number they phone is for a 15-year-old Nokia with a PAYG SIM I bought years ago to do Orange Wednesdays and nothing else (and I gave that no. to creditors when I last moved before stopping payments)! So it bleeps once and vibrates every time a DCA phones it (which doesn't happen much these days. I still log the time and date of calls/texts and content of text messages). With these recent Cabot ones here was a pattern to this where the calls and texts were personalised with the name of a person from Cabot (the same bloke left the voice messages each time).

I haven't answered the phone or replied to the text messages or letters yet. This latest letter is also surprisingly kid-gloves with the language with the only discernible threat-ette being about > ooooh! < damage to credit rating. So my instinct here would be to continue ignoring ... but of course I know Cabot must be watched closely and as ever I very much appreciate the advice of the wonderful folk here at AAD!

[cymruambyth]

Re: Pip's UE Diary

I agree with spud, ignore them a while longer.

[Spud]

Re: Pip's UE Diary

That sounds like a typical Cabot template chasing letter... As long as there are no threats, If it were me I would let them consider all they want....And wait to see what comes next

If they start to ramp up on the next letter it may then be time to reply to them

[Westham1]

Re: Pip's UE Diary

Seems like you are one of their favourites.
I am only being dealt with by their team and they don't even tell me to have a great day!

[Pip]

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)

[snipped, see post #6 for rest]

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 ...

The second letter from Cabot in less than a week arrived today ... still with the touchy-feely language ... tempted to ignore until the next one ..?

[Pixie]

Re: Pip's UE Diary

Cabot seem to have been in as big a buying frenzy as the Black Friday shoppers!

Just let us know when you next hear from Cabot.

[MrsD]

Re: Pip's UE Diary

keep an eye out, don't ignore any letters

[Pip]

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)

[snipped -- see post #6 for rest]
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.

It had to happen eventually! I think there has been a flurry of these for people over the past few months so I'll have a look at how things have progressed for others. As ever, any pointers or warnings appreciated in the meantime!

[PlanB]

Re: Pip's UE Diary

Love the link PB xx

This one is even funnier http://www.27bslash6.com/missy.html

Plan B x

[nanna58]

Re: Pip's UE Diary

Love the link PB xx

[PlanB]

Re: Pip's UE Diary

I think I must echo every other member who cannot thank Niddy and the team enough for having rescued me from a desperate situation of fear and dread of every postal delivery each day.

I've always enjoyed your posts on the forum since you caught my eye with this link which says it all about debt and the way we should treat our tormentors with a mixture of contempt/humour/distain.

http://www.27bslash6.com/overdue.html
It's been my guiding light (attitude wise) ever since and I thank you for that

Plan B xx