Nightwatch & Hubbys Diary of debt

[The Tech Clerk]

Pay with peanuts?


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[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Nationwide cc
still with OC
start date 1998
balance£8,254.44
Defaulted April 2007
prorata payments up to date
His Nidship has deemed this
UE thanks Niddy
27/1/12. letter rec offering part settlement if i pay 25% in 14 days, will not have to pay the rest but will only report part settleed to CRA.don't think so!!
08/2013 Don't all shout at me but realised I never sent for the CCA on this last year, nor did hubby stop the payments from his account. have done now
CCA received and sent to His Niddyship but am thinking a missing T&C is in order
all that they sent was, 2 photocopy's of a signed DD mandate dated 25/08/98 + 09/09/98, copy of signed application [think this was a flyer] with no T+C visible, leaflet of recent T+C

02/09 missing prescribed terms letter sent

09/09 letter from NWCCS (05/09) in reply to my Missing PT+C, they say they have provided me with all the information relating to this account in there letter of the 20/08, and they are unable to supply me with any further information.
I have provided them with no legal basis for disputing the amount owed in respect of the account and they are not willing to engage any longer in protracted correspondence with me. If i fail to make payments to the account Nationwide will enforce the debt in accordance with the Terms and conditions of the account ( will this be the original T+C that they have not sent) I am to note that if I do not make the required payments and it becomes necessary for them to commence Court proceedings to recover the debt, they will seek costs of doing this from me. They recommend i seek advice from a firm of solicitors or CAB

04/11 Letter from K.P.R. threatening hell and high water if I don't pay Formal Demand for Payment in big bold capital letters will hide until nasty person stops shouting NW collections has passed my account to them,it is important that the debt is repaid so please call 0845xxxxxx within 7 days cutting it fine letter is dated 29/10 NW is now considering taking legal proceedings to obtain a court judgement or decree against you.
they go on to say costs would be added and that NW or one of its agents would look to enforce by one of the following options
Charging order jointly owned so only a restriction
warrant of execution will supply my own gallows
Attachment of earnings I can be unemployed at any time
Alternatively, your account may be referred to a specialist external DCA now your talking


06/11 threat of litigation letter sent
21/11 letter from nwide[18/11]they are sorry i have an issue with my cc account and thank me for telling them, they are investigating my concerns and hope to be in a position to issue their responce by 6/12, if not they will contact me to let me know, they enclose a how to complain leaflet
11/12 letter from natwide [06/12]Dear Nightwatch, you may recall I wrote to you on 18/11/2013 promising to look into the difficulties you experienced with your. /??????
My investigations are taking a little longer than anticipated because. ????????
Thank you for your patience, I should be able to send you a final response by 30/12/1899. ????

02/01/2014, letter from Nationwide [24/12/13] they thank me for my response to their letter of the 5/9/13 [missing PT]
from my most recent correspondence he is aware that i feel the debt which is currently on my CC account is UE, He can confirm that the information I requested has been sent to me which is a true reflection of my account.

He also notes that I requested them to send a photo copy of the signed CCA.When any documentation is received regarding an account they are scanned on to our electronic server, The copy sent to me previously would be the same as a photo copy of the original as per my request.
As outlined in our previous letter I have the right to refer my complaint to the FOS, should I wish to I have till the 20th Feb 2014, which is 6 months to the date of our previous final response letter. A Smith

13/01/14 letter from KPR[07/01] DISCOUNT ON OUTSTANDING BALANCE WITHOUT PREJUDICE
We are able to offer you the opportunity to settle the debt by paying a significantly reduced one off discounted sum 50p ?
The benefits to you of doing this are:
Nationwide or one of it's agents will not make a claim for a court judgment or decree against you
Legal costs will not be added to the outstanding debt
It will greatly improve your chances of obtaining future credit as we will update your credit file to reflect our amicable agreement don't want it updating, it's not showing on my credit file
Your account will be closed and the remaining balance written off
To take advantage of this offer please phone xxxxxxxto discuss what discount is available, this offer will remain open for 7 DAYS 0nly. If the debt remains outstanding you will receive a Final Notice demanding payment of the full balance why is it always 7 days, only gives me till tomorrow

25/01 letter from KPR dated 21st, FINAL NOTICE,

we recently advised you of our involvement in the recovery of your debt [jan 2012]
you failed to take the action requested in our previous correspondence

Your debt has now become a priority case and I cannot allow this to continue
You must call me within the next 7 days with an acceptable offer to repay the outstanding balance
If you do no not I will refer your account to a debt collection agency to pursue you for this outstanding debt, wonder if she has a whip??

22/02, undated letter from Nationwide,Management of your account will now be carried out on our behalf by............Fredrickson International Ltd
You will need to ensure all communications are made directly with them in the future, Will await the begging letter from Freds
07/03 have received the YOU MUST CONTACT US NOW ON 0845 xxxxxxx letter from freds, decided to wait for the next letter from freds

13/03, letter from freds dated 11/03/14, Freds have decided to go in for the kill as they have sent a LBA and they want the money IN FULL with in the next 7 days otherwise they will take IMMEDIATE ACTION, i quote
"There remains a balance outstanding on this acount and legal action is now being considered. Should it be necessary to issue proceedings in the county court (or Sheriffs Court) further additional costs will be added to the outstanding balance, they go on to list costs, and if a judgement or Decree is obtained and remains unsatisfied a bailiff or sheriff officer may be instructed to recover assets to discharge the outstanding debt, do they not have to go to court and win first?
they continue, A judgement debt or Decree against you would seriously affect your ability to obtain credit in the future.
for your convenience we offer a variety of ways to pay see reverse of letter or go to fredpay.com

well the cheeky boogars have just put a new default on my credit file the original only came off in may last year!!

21/03/14 Freds have put the account on hold while they contact 'their client' and will get back to me
28/03letter to Nationwide, telling them to remove the default registered with the CRAs as they had already defaulted the account and it had only just fallen off in April/May of 2013, they were to treat the letter as a formal complaint
29/04 letter to nationwide complaining about my Ignored Formal complaint
15/05 reply to my complaint, dated 09/05, they are sorry I have had to complain, they are looking into it and should be able to give me a reply by 22/05/2014
17/05 letter from Nwide (14/05) they are investigating my concerns and will be in a position to issue a response by June 4th 2014 well at least that's THIS century
30/05 letter from Nwide (28/05) from Mr A D,
Dear Mrs nightwatch, I am writing regarding your recent complaint with Nationwide regarding your credit card. In order to fully investigate your account and your concerns I need You to contact me using the above details in order to discuss the outstanding balance and your intention to clear the debt
once you contact me I hope to be in a position to issue our final response by 4 june 2014
05/07 letter received they are removing the 2nd DN and would like to send me £150 quid, If I would like to discuss repayment of the account I am to contact Fredriksons, I have already had confirmation that this DN HAS been removed from Experian who also apologised for not getting back to me sooner
06/09 letter on Nwide headed paper, but envelope has a Walton on Thames post mark,they are letting me know that the management of my account will now be carried out on their behalf by ARC (europe)ltd, who are based in Walton on Thames. I need to ensure that all contact is is made directly with them in future'
17/09 call from ARC but they asked for a mrs nitwitcher so I said no one here by that name and hung up, number will now be zapped by the truecall
18/09 letter from ARC dated 15th, this account has now been passed to us for collection as our client has been unable to obtain payment of the outstanding amount from you
we wish to make it quite clear that unless a substantial payment is made to us within the next 10 days, along with a firm offer to clear the rest of the overdue balance, we may pass your account to our solicitors, with instructions to prepare court proceedings against you. if they are only dealing with this account on behalf of NWide is it not NWide that have to issue proceedings?
you can make secure payments to ARC 24 hours a day with your Debit or CREDIT CARD on our website or by phoning our automated payment hotline on 0845 0268889 premium rate call
22/09 SWID letter sent to ARC, added a paragraph telling them that I thought the tone of their introductory letter , demanding an immediate payment of a substantial amount, and court action should further payments not be forthcoming,was both Intimidating and harassing,with out first finding out they had the correct person.also asked if they were acting for Nwide or had they bought the account?
also made it clear that all communication was to be in writing and my number was to be removed from their data and, I did not give my permission for anyone to call at the property to discuss the alleged debt .

25/09 letter from ARC, "please note we are a debt collection agent, acting in good faith on the instructions received from Nwide, We have been instructed by our client to manage your account and we are therefore authorised to contact you in connection with the above matter and to instruct solicitors in contemplation of court proceedings where we consider it appropriate to do so.We have acted in accordance with our clients instructions and within current collection legislation and guidance, we reserve the right to produce our correspondence to any tribunal, regulatory body or investigating authority to prove our compliance and good conduct in this matter.
We are sorry to learn that you find the tone of our letter intimidating and harassing. We can assure you that this is not our intention and we are committed to resolving this matter amicably. We are unaware of an outstanding document request. Please be advised that the account is on hold, as we have passed your comments to our client and are awaiting their reply, we will contact you again when we have their reply

11/03/2015 letter from Arc dated 11/03.the enclose a copy of my signed agreement which shows I agreed to the T&C of the contract. No T&C enclosed
as they have supplied me with this document they must remind me that the outstanding balance is due and payable, they require my payment proposal within the next 30 days.
I can make payment 24/7 using my debit or CREDIT card or call their hotline on 0845 xxxxxx, they must make it quite clear that unless a payment is made within the next 30 days along with a firm offer to clear the rest of the balance, they will contact their client to obtain instructions on how to proceed to recover the debt, so it is in my best interest to contact them immediately on receipt of this letter.
They acknowledge my request not to contact me by phone and will comply with that request provided I send a payment along with a firm offer to clear the rest of the debt

well they can whistle Dixie for all I care, the demanding little sh1ts.
they have sent my application form, yes my siggy is on it but there are no T&C and there is nothing on it to say I agree or have read them before signing
under the signature box it says YOUR RIGHT TO CANCEL. once you have signed this agreement, you will have for a sh (rest is missing)
right to cancel it, Exact details of how and when you can do (rest is missing)
sent to you by post by us
parts of it look like a cut and paste job as the ends of words or sentences are missing
Any whoo will send Arc missing PT&C

20th march letter from ARC, account returned to Nationwide

2018
10/11/18 received an undated letter from NW informing me that the account has been Assigned on 22nd October 2018 to, Cabot Financial (europe) Limited, any further communication and payments must now be sent to Cabot with effect from 22nd October 2018
Enclosed was a notice from Cabot dated 08/11/18, introducing them selves as the new owners of the account saying they will be intouch soon and, how they are looking forward to talking to me.

sorry to dissapoint, but I will not be talking to them,
I have not heard a word from NW since thay passed the debt to Arc in 2014 and then Arc passed it back to Nationwide 2015

Will wait and see what comes next, not SB till next year but as Nationwide said years ago they have sent all the account info , they can't have the T&C's for this account, why worry.

Nov 2018,
a few calls this month from Cabot, they are automated and don't ask for any one person, just if you are free to call them, I am NOT free I am expensive, just ask the hubby.

29/11, leter from Cabot (23/11) they tell me the balance is outstanding, thats nice, they would like to offer affordable/ Flexable payment options to suit me, I like the one i'm on at the moment,
they would like to help me, but, I need to contact them
What COULD happen if I don't talk to them

my credit file could be affected next

they MAY have to consider othert ways to recover the debt Oh go on

I will receive calls/letters until i contact them. phone blocks and a good filing system

The outstanding amount will remain due, no s**t sherlock!,

they tell me to have a great day and they look forward to talking to me
signed by the delightful Deb Green

oh yes, it also states that the current creditor is Cabot Financial UK Ltd

31st dec letter from Cabot, Explore you options for repaying, Did I know I have several options available and Cabot would like to help me find the right one,
By talking to them I can find out how their affordable playment plans work, they can also tell me if i'm eligable for a discount.
I have already made a start by reading this letter
Dear Debbie, thank you so much for the offer of help. but I have already know how repayment plans work, I have also found how to deal with this alledged account.
so I will continue with the plan I have had in place for almost 6 years,0 payments of £0.00, till you find the correct paperwork.
What was that I havn't told you it's SWID, wait a bit longer and I will.

also received an automated call at lunch time, they never say who they want to talk to so hang up.

2019
02/01, called at 9 am eager little beavers arn't they
22/01 letter from Cabot, they understand it may be difficult to clear the acount in a short period of time, especially when there are other prioritys to take into consideration. yep my account with bargin booze
they waffle on about understanding debt and how they would like me to talk to them about how they could help to repay the account in the short term.
they own the account and are prepared to reduce the balance in order to help me become free of this debt sooner, subject to agreeing appropriate terms of repayment.
to take up their offer I am to call them and speak to someone asap.
If not I need to advise them of my proposal to clear the account.
a final parting message, This account may affect my credit rating and my ability to get credit in the future. Ask our team if the account is registered.

20/02/19
letter frm Cabot,We have not heard from you,
we have advised of several options that are available, all of which are in an attempt to help you be free of this debt,
you can pay on a monthly basis or make a proposal to clear the account at a reduced balance over several months.
if you start making payments towards the account then the balance will reduce.
If you clear the account then your file will be updated to show that no balance is outstanding. TALK TO US
signed by dishy debbie.

why would I want to pay now, I like the payments i am making,(zero) it is not on my credit file, nor are any of the others in this diary,

28/02 Cabot understand how difficult it is to clear an account in a short time, they propose to help clear it by accepting 25% BUT, I have to phone to discuss their offer,which also means I admit the debt and they can ask for more.
Now as tempting as that offer sounds, why would I want to pay an UE debt,
Sorry Ms Green offer declined

i have received a lovley glossy leaflet fromCabot, on the back it tells me that now is the time to take control.
Inside tells me the many ways they can help me, how they have a shiny new website.
If I register and activate the account online I can have £25 off the account
also their on line budget planning tool can help manage finances, who's ? just another name for I & E

11/05 email from Cabot, they have been trying to contact me,

it is a lovely colourful email, with pictures of bright open spaces, with click to link boxes, that can help me be free from debt, buy following their guru gide,
"The path to a debt free life", it offers me "easy to follow" links to budget, for a better life, live my dream, become as one with a Cabot repayment plan,

It seems dishy Debbie Green is't in on this one as it is under the watchful eye of, Nicola Millson, Senior Customer Operations Manager,

28/06, letter from Cabot, they offer an amazing saving for me, whoopy doo
I only have to pay them 25%,plus they can be flexable on how to repay the ammount, some of their "customers" take up the offer and pay over 3 months, but most pay all in one go, really? i wouldn't have thought so reading this site.
if this isn't possable, it's not a problem as they can talk to me about a repayment plan, i don't think so sweety, if i havn't spoken to you, or replied to any of your letters, why would you think you can talk to me now?
Have they been taken over by MI5? only this is sent from XX Head of internal operations.

12/11,Letter from Cabot, they want me to close my account with them, by giving me the opportunity to to take them up on a great discount, 90% off when I pay my account,
They would like to discuss if this offer is affordable to me, so if I would call and tell them about my situation, they could make it more affordable to break the discounted offer in to monthly payments, once the final payment is made, they will send a letter to comfirm the account is closed and they will stop contacting me about this account.
If they are so eager for me to close the account, so they don't have to contact me again, they could just do it themselves,
this massive discount only furthers the Idea that they know it is a lemon,
I have noticed at the bottom it gives me a code to quote of SB11 and not a ref no.Do you think they know it's SB

Filed,

Oct 2020
e-mail from cabot Financial, they would like me to join 400.000 people already online with their digital portal, the freedom of having all information at my finger tips, 24/7.
Ijust have to" click here" to discover the benifits of an online account with Cabot,
sorry S S, head of internal operations. not going to bother thanks.

October 2021

letter from cabot . They have passed the account to GLOBAL DEBT RECOVERY LIMITED. they have asked GDRltd to manage the account. they will help set up an affordable payment plan to enable you to become free of said account.
their welcome letter and contact details are on the reverse of Cabots passing the buck letter.

18/10 letter dated 18th received from GDR, they would like me to phone them so they can assist in the resolution of alledged account.
if no response in 14 days alledged account will be escalated to collections deptment.

collections should have it on Monday, watch this space.

05/11/21 well I was correct, letter dated 1st/11 received today saying said account has been passed to collections, they would like contact from me without delay, so that they can discuss said account and prevent further contact attempts being made.

so I have decided not to contact them as I like to delay a lot, plus I am sure they would discuss the account if I contacted them or not.
will file and await next request for donation towards Christmas party.

April 2022

Letter from Global,

If i send a payment of £1500 by next month , their client will except it as a F&F settlement.
Once settled they will send a receipt for my records.

Think I will give it a miss, no payments since 2013 no communication sent since 2015.

just updating, to show how long som DCA's will continue to look for a payment.
they will be dissapointed again

[stuckinarut]

Don't know if they are on the same planet Nightwatch will send you a receipt for your records?? absolute clowns

[nightwatch]

Update 2024, Nationwide
No payment since 2013, no contact from me since 2015
April 2024

11/4/24 Email from CABOT asking for contact to discuss nationwide CC . Ignored
12/4/24 Automated call asking if I an free to talk to an agent, press!, pressed hang up and block
12/4/24 auto call from same number, ok one didgit was diff, Blocked.

[stuckinarut]

They are clowns, Surely they know by now that there's absolutely no chance whatsoever you will donate towards the Easter party

[Still Waving]

Update 2024, Nationwide
No payment since 2013, no contact from me since 2015
April 2024

11/4/24 Email from CABOT asking for contact to discuss nationwide CC . Ignored
12/4/24 Automated call asking if I an free to talk to an agent, press!, pressed hang up and block
12/4/24 auto call from same number, ok one didgit was diff, Blocked.

Looks like a case for the SB letter.

[nightwatch]

I know SW, but the devil in me want's to make them work for the ink.

[Still Waving]

I know SW, but the devil in me want's to make them work for the ink.

Keeps someone in work. Very commendable.