Stuckinarut UE Diary

[stuckinarut]

Re: Hi guys not sure where to post my question {newbie} hope its
in the correct place.

Wifes
Halifax credit card started 28/3/2002
approx balance £11200
last fulll payment june 2008/then DMP till Aug 2012/ then debt settlement /ended 4/3/2016
Default dropped off. assigned to cabot. assignment printed by them/ same envelope
not paying at the mo. all quiet so far
Letter dated 23/5/16. received 30/5/16. Letter states current creditor cabot financial uk ltd
Dear mrs blah.
An alternative solution for your account. we would like to give you the oppertunity to be free of this account. so we have come up with an alternative solution for you.WHAT YOU OWE. WHAT YOU COULD PAY. AMOUNT SAVED. = 70% DISCOUNT.
we do want whats best for you. so if you want to take us up on this offer we need to make sure that all your priority bills are up to date.we could also be flexible with how you pay this amount. Dependent on your situation GET IN TOUCH. blah blah
Deborah green.
cleverly worded ignore for now. date file ignore
Letter current creditor cabot financial uk ltd dated 4/6/16
Dear mrs blah
YOUR ACCOUNT.
we haven't received your last payment from your debt management company. we have tried to contact them but they have not responded. so we decided to get in touch with you.
WHAT CAN YOU DO.
If you are still using the same debt management company we recommend contacting them to find out what is happening.
we would like to let you know the other options out there. stepchange etc etc
Deborah green.
she forgot to mention this wonderful website and forum. date file ignore
Letter current creditor cabot Financial uk ltd. dated 19/6/16
Dear mrs Blah
LETS WORK TOGETHER.
Dont let debt hang over you we can talk you through our different options and find a solution that suits you
set up a monthly payment plan
see if you can get a discount on your account and make a one off payment.
even if you think you cant pay we'd still like to talk to you. by understanding your situation we can guide you towards help. we help thousands of customers every month.
CONTACT US. blah blah
Deborah green
Very keen for a chat is dishy Debs. think we will pass on the phone calls tho. date file ignore
Letter current creditor cabot Financial uk ltd. dated 19/7/16.
Dear mrs blah
YOUR BALANCE IS WAITING TO BE PAID.
We have been trying to reach you to discuss your account but we haven't been able to get in touch
COULD I PAY LESS
MONTHLY PLAN
DISCOUNT
Ask where to get help with your finances
WHERE CAN I GET ADVISE
blah blah.
How can i contact you blah blah
Deborah green
Could i pay less? does she mean less than the current zilch. date file ignore

SENT CCA REQUEST 30/7/16 ROYAL MAIL RECORDED

Letter dated 31/7/16
Statement of account ref blah blah
LENDER CABOT FINANCIAL EUROPE LTD.

They seem to have SWITCHED LENDERS. from cabot financial uk ltd date file ignore

LETTER DATED 9/8/16 CABOT FINANCIAL
Dear Mrs Blah
Halifax cc ref - - - - -
Bank of scotland loan - - - -
Thank you for your requests for information under section 77-79 consumer credit act 1974. we currently do not have this information on file.
However i have requested the relevant details which will include a copy of the credit agreement statement of account and original and varied terms and conditions from the original lenders.
WHAT HAPPENS NEXT
I acknowledge the 12 day time limit to provide this information before the account becomes unenforceable however as we have to request the details from the original lender i anticipate that we will be able to provide this within 40 days. in the unlikely event we are unable to obtain this information within these time limits we will write to you again. if you have any queries please do not hesitate to contact us
your sincerely
Kayleigh Fisher customer support consultant

Looks like they are saving on the postage combining a cc and personal loan on the same letter

Letter cabot dated 14/10/16 received 21/10/16.
Dear mrs blah
Halifax cc - - - -
Bank of scotland loan - - - - -
Thank you for your letter received in our office dated 1/8/16. My name is kathycakebread i am the consultant that has further investigated your concerns and i hope to help you now by providing a resolution to this matter.
YOUR REQUEST FOR INFORMATION UNDER THE CONSUMER CREDIT ACT
Unfortunately we have not been able to provide you with the requested information within the relevant time period
WHAT HAPPENS NEXT
We shall continue to request the information from the original lender to assist you with with your request. in the meantime we would like to inform you that your accounts shall remain on hold with the customer care department until such time we can comply with your request
YOUR ACCOUNTS
Your credit agreements are currently unenforceable which means we are not permitted to obtain a judgement or decree against you in court. However you are obliged to repay the outstanding balance's as confirmed in this letter and therefore we recommend you contact us as soon as possible to set up a repayment arrangement.
INDEPENDENT ADVISE AND FINANCIAL DIFFICULTIES. blah blah

Well kathy we recommend no contact for at least the next 5years

2017
All quiet so far
2018
Letter dated 12/4/2018 Received 16/4/2018 CABOT FINANCIAL (credit card)
Dear Mrs Blah information under the consumer credit Act 1974
please find enclosed all of the relevant information following your request for information under section (77-78) of the consumer credit Act 1974. in the event that we have provided a reconstituted true copy or your credit agreement for the avoidance of doubt this complies with the consumer credit (cancelation Notices and copies of Documents) Regulations 1983 and therefore complies with the obligations set out in section 77-78 of the consumer Credit Act 1974.
What happens next?
we consider that the agreement is now enforceable and therefore we are entitled to obtain a county court judgment against you. However we would prefer that you work with us to set up a repayment plan to settle your outstanding balance.
the status of your account blah blah please make contact with our customer operations department as soon as possible to discuss the options available for this account

well its only taken them 19months 2 weeks approx. to come up with this they also enclosed a statement of account of the payments they received from the now defunk Debt management company (settle my debt) what they sent was 7 double sided pages of what can only be described as generic terms and conditions etc. had the wifes name and address alongside Halifax. However no signature of any kind I think they are just taking a punt here?

Hi guys hope all is well. I am thinking the best response to this is to send the terms and conditions template? Am I thinking correctly. thanks in advance for any comments Advice cheers guys

Sent Agreement off to Niddy for checking

Niddy Says yay M P T Letter on standy

Letter dated 21/4/2018. Received 26/4/2018. CURRENT CREDITOR CABOT FINANCIAL UK LTD
Dear Mrs Blah
YOUR ACCOUNT IS NO LONGER ON HOLD.
we agreed to put a hold on your account due to your situation. That time period has come to an end and we would like to hear from you so we can have an update of your situation
Our customer consultants will take the time to listen to you and discuss the options available for you.
GET IN TOUCH
call us on blah
yours sincerely
Deborah Green

Well sori debs gona have to keep it on hold a while longer. date file ignore

[Roger]

Send the unredacted CCA received to Niddy

webmaster@all-about-debt.co.uk

to look at.

[Roger]

Don't send anything back to Cabot at this stage AND get Niddy to look at what they have sent you and follow His advice.
Send Unredacted to webmaster@all-about-debt.co.uk

[cymruambyth]

When you send it to Niddy link it to this thread.

[stuckinarut]

Re: Hi guys not sure where to post my question {newbie} hope its in the correct place.

bank of scotland credit card
opened 29/6/1994
approx balance £6100

last full payment june 2008
then DMP till aug 2012 then debt settlement plan till 4/3/2016. not paying at the mo.
Default dropped off.
Asigned to cabot think cabot printed the asignment themselves as both arirved in same envelopeLetter from cabot Financial uk ltd current creditor dated 13/05/2016 received 19/05 2016. dear blah your account. we want to make sure that you get the right support for your account so with that in mind we have asked NCO Europe ltd to manage your account from here on. we understand you have a debt advisor acting on your behalf and we have therefore also contacted them to inform them of the change. WHAT YOU NEED TO DO there is no immediate action you need to take as NCO Europe ltd will be in contact with your debt advisor directly if you no longer have a debt advisor please call NCO Europe ltd on 0330 060 1053 who will help manage your account and find a suitable solution based on your circumstances. your sincerely. Fine they know the debt advisor is no longer in the frame. wait on NCO
Letter Dated 23/6/16. NCO.
Dear mr blah. you may already be aware your account has been purchased by cabot. NCO resolve will continue to manage this on there behalf blah blah blah.
no rush to reply wait on there next letter. date file ignore.
Letter 16/7/16. NCO
Dear mr blah. Despite our recent written request that explained the reasons why we need clarification of your current position in terms of the management of your account. we note with some concern that we have not yet received this,we therefore need you to contact us in the first instance. blah blah.
No rush guys.date file ignore.
27/7/16.SENT CCA REQUEST TO NCO.recorded royal mail. (wait and see)

Letter Cabot Financial (Europe ltd) Lender 31/7/16.
statement of account blah blah.file ignore.
Also garbled msg left on answer machine by NCO to phone them regarding a personal matter. (ha ha wanting there cut no doubt) obviously ignore

2017
Letter dated 31/1/17 received 16/2/17 statement of account Lender cabot Financial (Europe ltd)
Still no reply to date from cabot or nco regarding cca request. ha ha long may that continue


2018
Welcome, your account has a new home!
Letter Dated 12/02/2018. Received 16/02/2018. current creditor Cabot Financial UK Ltd
Dear Mr Blah
Welcome to Cabot
The Cabot Credit Management Group owns you BOS Credit Card Account we previously asked NCO Europe Ltd to manage this account on our behalf. in order to continue providing you with the best possible service we have returned your account to Cabot to deal with you directly
the ref number you will need to use is (same as last one)
Please use this Ref going forward whenever you get in touch with us and when making payments
DISCOVER WHAT WE CAN DO FOR YOU
we want to give you a variety of options to manage your account with us.
you can take control of your account and manage it in the way you want.
Register your account online.so you can keep track of your balance make payments and set up your own plan.
OR CALL US on blah and talk to one of our customer consultants. they can talk you through the options for your account and find a solution that's right for you. if you are worried about making payments. Then you should still contact us. And we can guide you towards organisations which could help. ONCE YOU HAVE PAID YOUR ACCOUNT. we will send you a letter to let you know the account is closed.
Deborah Green blah blah
Date File ignore.





Letter dated 9/3/2018 Received 15/3/2018 Current creditor Cabot Financial uk limited
Dear Mr Blah
YOUR BALANCE IS WAITING TO BE PAID. Long may that continue.
WHERE TO GO FROM HERE. Don't know about you guys but I am away for the weekly shop.
Don't let debt hang over you. set up monthly plan Accept smaller lump sum.CONSIDER WRITING OFF REMAINING BALANCE.
Call us blah blah
yours etc
Deborah Green. Sorry Debs gona have to put you on hold for a few more years.Date file ignore

Letter dated 27/3/2018.Received 2/4/2018.current creditor cabot financial uk ltd.
YOU NEED TO MAKE A NEW PLAN
you need to call us to make a new plan for your account. if you let us know your budget we can help you work out a repayment plan that suits your current situation. There may be a very good reason why you couldn't continue your previous plan.yep a very good reason. If you are having problems financially there are organisations that can help. blah blah. it is important that you speak with us so that we can restart your plan as your balance is still waiting to be paid well fancy that? balance still waiting to be paid.
Call us. we will never ask you to pay more than you can afford blah blah thank goodness for that. cos I cant afford zilch
Date File ignore

Letter Dated 13/4/2018 Received 18/4/2018.Current Creditor Cabot Financial uk Ltd
Dear Mr Blah
we understand that you may have other priorities to deal with, but we can help you figure out how much money you have spare to begin paying off your account. Once we have worked out how much you can afford to pay, we will talk to you about how you can start making payments to suit you. PAY IN FULL. MONTHLY REPAYMENT PLAN DISCOUNT.
GET IN TOUCH. we cant help you if you don't talk to us. call us on blah. and discuss your account with our customer consultants
they can talk you through your income and expenditure and help you choose a repayment option that suits you. we need to hear from you soon our team will be trying to contact you in the meantime.
your etc Deborah Green

your all heart Debs date file ignore

Evening guys hope all is well. getting letters from cabot regarding the above account. now a cca request was sent to NCO Europe as they passed it onto them for so called collection. Total silence from NCO regarding this. Also no response from cabot at any stage. Am I right in thinking they are in Default of the cca request. is it best to remind them or just let them keep sending letters in the meantime? Thanks for any input guys much appreciated (was send recorded) 27/7/2016

[Roger]

The CCA should have been sent to CABOT not NCO (who were the Agents).
However why rock the boat.
As long as the letters are non threatening, just pestering I should file them away. Silence is golden here!!! Just let them keep sending letters!

Cabot Financial uk limited are Unlicensed!!

[stuckinarut]

The CCA should have been sent to CABOT not NCO (who were the Agents).
However why rock the boat.
As long as the letters are non threatening, just pestering I should file them away. Silence is golden here!!! Just let them keep sending letters!

Cabot Financial uk limited are Unlicensed!!

Hi Roger cheers for taking a look. wasn't going to rush in with another cca to cabot just now as you say non threatening so save it for later.They waited quite a while before taking it back from NCO tho before they started the letters. so that's handy time wise. just when fredrickson was agent for cap one they returned the £1 fee saying there client didn't need a fee for paperwork and they would revert to cap one. then revert back to me. then it went back to cap one still silence from cap one and no cca. ha ha long may that be the case

[Roger]

If they are confused then let them remain so!
It seems that Cabot are pussy footing with you! So lets leave things as they are!

[stuckinarut]

Hi guys hope all is well. I am thinking the best response to this is to send the terms and conditions template? Am I thinking correctly. thanks in advance for any comments Advice cheers guys

Sent Agreement off to Niddy for checking

Niddy Says yay

Mssing MPT Letter at the ready

[Still Waving]

Mssing MPT Letter at the ready

I wouldn't necessarily rush to send that at their next letter. Depending upon the content of their letters, I would be inclined to sit tight and string it out for a while.

[stuckinarut]

I wouldn't necessarily rush to send that at their next letter. Depending upon the content of their letters, I would be inclined to sit tight and string it out for a while.

Hi still waving. yes the timing of the letter will be held as long as possible. no rush. Thanks for your input much appreciated

[stuckinarut]

Hi guys hope all is well. I am thinking the best response to this is to send the terms and conditions template? Am I thinking correctly. thanks in advance for any comments Advice cheers guys

Sent Agreement off to Niddy for checking

Niddy Says yay M P T Letter on standy

Letter dated 21/4/2018. Received 26/4/2018. CURRENT CREDITOR CABOT FINANCIAL UK LTD
Dear Mrs Blah
YOUR ACCOUNT IS NO LONGER ON HOLD.
we agreed to put a hold on your account due to your situation. That time period has come to an end and we would like to hear from you so we can have an update of your situation
Our customer consultants will take the time to listen to you and discuss the options available for you.
GET IN TOUCH
call us on blah
yours sincerely
Deborah Green

Well sori debs gona have to keep it on hold a while longer. date file ignore

Will save the MPT letter till they get shirty

[stuckinarut]

Re: Hi guys not sure where to post my question {newbie} hope its in the correct place.

Bank of Scotland current account.opened 27/12/2001
approx balance £2200
last full payment June 2008 then Dmp till 2012 then debt settlement plan till 4/3/2016. no payments at the mo
status was on AP WITH BOS.
sold to Cabot 11/12/2012 defaulted by them.back dated to 2010? all quiet so far
Letter dated 23/5/16 Received 30/5/16.Current creditor Cabot Financial uk Ltd. An alternative solution for your account. we would like to give you the opportunity to be free of this account. with an alternative solution for you.We can help you be free of this debt. what you owe. what you could pay. amount saved. we do want whats best for you so if you want to take us up on this offer we need to be sure you are up to date with your priority bills. CALL US.

Well Debs help me be free Don't bother with it. Date file ignore.Discount =40% (fat chance) call us to discuss your situation then sorry you wont qualify

Letter Dated 4/6/16. Received 10/6/16.Current creditor Cabot Financial uk Ltd. YOUR ACCOUNT.We haven't received your last payment from your debt management company. we've been trying to get in contact with them but they haven't responded so we have decided to get in touch with you. blah blah blah

Haven't received your last payment? (no shit Sherlock)

Letter Dated 19/6/16. Received. 25/6/16.Current creditor Cabot Financial. uk Ltd LETS WORK TOGETHER. Set up a monthly payment plan. See if you can get a DISCOUNT on your account and make a one off payment. CONTACT US. by understanding your situation we can guide you towards help.

cheers for the offer Debs. ((but i already have help thanks). date file ignore

Letter dated 19/7/16. Received. 25/7/16. Current creditor Cabot Financial uk Ltd. COULD I PAY LESS. blah blah WHERE CAN I GET ADVISE. blah blah
Yep i could pay zilch. And plenty advise here. date file ignore

sent first o/d letter recorded 30/7/16 then away for 2 weeks
Letter dated 9/8/16. not sure when received cos was away. Thank you for your letter blah blah blah. i am sorry you have concerns about the lending of this account. blah blah. Further to this your comments regarding annual reminders copies of agreements and an annual renewal form should all have been done by bank of Scotland. Cabot cannot be held accountable for this . i enclose details for bank of Scotland so YOU can contact them. i will hold your account for 21 days to give you Time then no option but to return to collection process.Amy Notley
well sure thing Amy. return away. second o/d letter shortley

second o/d letter sent recorded 25/8/16.

Letter dated 2/9/16/Received 8/9/16.Current creditor Cabot Financial uk Ltd YOUR BALANCE IS WAITING TO BE PAID. WHERE TO GO FROM HERE. dont let debt hang over you set up payment plan. Accept smaller lump sum payment and CONSIDER writing off the remaining balance.

payment plan NO. consider writing off the remaining balance? well well must say you are all heart Debs. (been returned to Deborah green) date file ignore

Letter dated 11/10/16. Received 18/10/16Current creditor Cabot Financial uk Ltd . TAKE POSITIVE STEPS TO REPAYING. pay in full. monthly repayment plan. Discount. TALK TO US.

talk to us? Eh NO THANKS. date file ignore


Letter dated 31/10/16. Received 9/11/16. ANNUAL SUMMARY OF YOUR ACCOUNT.
CHEERS for that guys. interesting stuff. wasn't to sure when the last payment was made due to the DMP peeps a bit lax with statements etc. but now i know the last payment received by them was 14/3/16.(chuckle)
Letter dated 6/11/16. received 11/11/16 Current creditor Cabot Financial uk Ltd. What we can do for you. we would like to hear from you. we'd like to help you clear your Account. HOW MUCH WILL YOU HAVE TO PAY? we have enclosed an income expenditure form for you to complete and return. you could also do this over the phone. if you would rather be free of this debt quickly then we can offer you a discount on your account. TALK TO US.

No thanks Debs kind offer tho. date file ignore
Letter dated 7/12/16. received 10/12/16. current creditor Cabot Financial uk Ltd.
Tell us your Budget save £50
we want to help you 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 out a budget form. we will make sure you can afford important bills like food and rent. then work out what spare money you have blah blah
CALL US
£50 off WOW Fantastic offer guys thanks a bunch cant wait to pick up the phone (for a take away)




2017

Letter dated 24/2/17 received 1/3/17.Current creditor Cabot Financial uk Ltd NEXT STEPS. We have tried to contact you on a number of occasions so that we can understand your financial .situation. cos we have been unable to contact you we are going to instruct a company called MOORCROFT. to try and arrange a home visit to put you back in touch with us. if you would rather speak direct with us call us within the next seven days. we look forward to hearing from you.

Doorstep letter sent to cabot sent recorded on Friday 3rd march. was gona do it Thursday but no ink in the printer so had to wait till Friday wait and see
what comes

Letter dated 6/4/17. received 8/4/17. MOORCROFT. our client Cabot has informed us despite numerous attempts they have been unable to contact you. they have therefore passed your account to us for collection this may include a home visit etc blah blah. or you can call us on blah blah.
Doorstep letter sent to MOORCROFT. SENT RECORDED. 10/4/17. wait and see

Letter from MOORCROFT. dated 13/4/17. received 18/4/17. thank you for your commuication we can confirm we are an appointed debt recovery company. And our contact is legitimate reason in line with our clients instruction. the time of any visit would be confirmed. and if the customer is not available at the time of the reconnection visit the letter will be posted. however we wish to prevent such a visit and we provide our full contact details. we will hold recovery action our client has requested for 14 days till 27/4/17 to await your contact
Gona have a long wait then guys.These guys surely dont know what an invitation means. ha ha looks like they are gona invite themselves.{phees letter to hand}
27/4/17. MOORCROFT. Telephone call lunchtime.
Well that was quick. the deadline to contact them was 27/4/17. still plenty time to ignore them before there deadline expired. like a greyhound out of a trap these guys.cant even wait on there own deadline to expire. Blocked the number they used. just wait on charlie chuckle brother to knock the door now{hope i am in if he does}
Moorcroft phone call 3/5/17.
Moorcroft phone call 6/5/17 1.59pm zapped by blocker
Moorcroft phone call 9/5/17 lunchtime zapped by blocker
Moorcroft phone call 10/5/17 lunchtime zapped by blocker
Moorcroft phone call 12/5/17 3.02pm. zapped by blocker
Moorcroft phone call 16/5/17 10.52am zapped by blocker
Moorcroft phone call 17/5/17 lunchtime zapped by blocker
Moorcroft phone call 18/5/17 9.25am
Moorcroft phone call 19/5/17 9.21am zapped by blocker
They should at least try a new number? still got loads of room on the blocker.
Moorcroft phone call 22/5/17 lunchtime.left what sounded like an automated msg asking to phone them (fat chance)
Well at long last they used another number. now blocked as well
Moorcroft letter dated 10/7/17. received between 12th/16th. (was away a few days) If you set up a plan to pay £50 a month you will be free of this debt in a few months. However we are flexible you can pay more or less depending on your circumstances CONTACT US TO AVOID FURTHER DEBT COLLECTION ACTIVITY. BY RECEIVING FURTHER LETTERS AND PHONE CALLS.
No thanks guys. date file ignore
Letter from cabot dated 19/8/17 received 26/8/17Current creditor Cabot Financial uk Ltd zone b Accept a smaller lump sum
your account was being managed by an agent of ours. We have decided we would like to work with you directly and have asked them to return it to us.
we know you have previously made payments to our agents. And we want to support you by helping you set up a personal payment plan. A NEW PLAN BUILT FOR YOU. we specialise in flexible payment plans built around our customers. WE CAN TALK TO MAKE SURE ITS AFFORDABLE.
Well Well just loving the support Debs. i have never paid any of there agents. as well they know. the personal payment plan in place at the moment is the affordable one( zilch) think i will stay with this one
date file ignore
Letter dated 9/9/17/ received 15/9/17.Current creditor Cabot Financial uk Ltd (zone b)
WELCOME BACK TO CABOT. your account has been returned to us and we are still waiting to hear from you we know you previously made payment on this account with our agents and would like to help you on to one of our special payment plans.
A NEW PLAN BUILT FOR YOU.talk about different options. pay monthly.BUT we can offer you a discount to settle. DEPENDING on your circumstances. we want to help. take control of your account. call us.
well at the moment i am in control Debs.thanks for the generous offer tho. much obliged. date file ignore
Letter dated 11/10/17 received 17/10/17 current creditor Cabot Financial uk Ltd
YOUR BALANCE IS WAITING TO BE PAID.
thank you for paying in the past. we appreciate that you tried to pay your account. you still have 2k plus to pay.
WHERE TO GO FROM HERE.
dont let debt hang over you .set up a monthly plan. accept a smaller lump sum and CONSIDER. WRITING OFF THE REMAINING BALANCE.
inform you where you can find additional help CALL US
Devious words ha ha we appreciate you tried to repay your account (here was me thinking it was there account since THEY bought it for pennies) accept a smaller lump sum and CONSIDER writing off the balance. well consider it written off Debs
Letter dated 29/10/17. received 2/11/17.Current Creditor Cabot Financial uk Ltd
YOU NEED TO MAKE A NEW PLAN. you need to call us to make a new plan for your account. if you let us know your budget we can help you work out a repayment plan. there may be a very good reason why you could not continue with your previous plan.it is important that you speak with us so that we can restart your plan. Call us.
Quite happy with my plan at the moment Debs. and yep i bet it is important that i call you. (said the spider to the fly) so gona pass on that one all the same. date file ignore
Letter dated 15/11/17. received 18/11/17 Current Creditor Cabot Financial uk Ltd. WORKING WITHIN YOUR BUDGET. we understand you may have other priorities to deal with. But we can help you figure out how much money you have spare to begin paying off your account. once we have worked out how much you can afford to pay. we will talk to you about how you can start making payments to suit you. blah blah. we have included a budget form for you to complete and send back to us. with this we can help put together an affordable plan for you. THERE ARE OTHER OPTIONS. pay in full. monthly payment plan. Discount. GET IN TOUCH. we cant help you if you dont talk to us. WE NEED TO HEAR FROM YOU SOON .our team will be trying contact you in the mean time
Yep no doubt your team will be trying there best to make contact (how else will they get there christmas bonus) not from me if i can help it Deborah Green.
date file ignore
Letter cabot dated 10/12/17. received 15/12/17 Current Creditor Cabot Financial uk Ltd
TELL US YOUR BUGDET (SAVE £50)
save £50 on your account with us when you update us with your current situation and start repaying. All you need to do is call us and fill out a budget form we will make sure you can afford important things like bills food rent etc then work out what spare money you have.
CALL US you have 4 weeks to claim this offer.
well looks like am gona get no more junk mail till Jan 18. ha ha superb (wot they like eh? had the £50 off offer before)

2018

Letter dated 24/1/2018 Received 27/1/2018 current creditor cabot financial uk ltd
Dear Mr Blah
A NEW APPROACH.
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
please call us on blah blah
we look forward to hearing from you soon
your sincerely Deborah green

NEW APPROACH. stop writing your consultants (waiting to turn the screw no doubt) yep debs i get it no need to help me understand. whats best for me? let me ponder. got it continue current arrangement =zilch talk to you eh no. date file ignore

Letter Dated 23/02/2018. Received 28/02/2018. current creditor cabot financial uk ltd
Dear Mr Blah
HOW WE CAN HELP.we help thousands of customers each month blah blah
OUR CUSTOMER.
Balance Expenses Income Remaining Available
solution 1 blah blah
solution 2 blah blah
These solutions are for illustrative purposes only any solution we offer will be based on what you tell us about your financial situation.
TALK TO US. we understand that every customers situation is different blah blah blah
please call us on blah blah
yours sincerely
Deborah Green

Date File Ignore

Letter Dated 26/3/2018. Received 29/3/2018 Current creditor cabot financial uk ltd
Dear Mr Blah. As we have not been successful in finding an appropriate solution. we are considering sending your account to an external debt collection company. and we urge you to contact us within 14 days.
is there anything else we can do to answer your questions or to help you with your account?
discount blah blah
monthly payment blah blah
CONTACTING CABOT. blah blah
Yes Debs you can help with the account by putting it aside for a few more years. she must have forgotten they already tried an external debt collector oops another little problem with red turning grey

Letter dated 25/4/2018. received 28/4/2018 current creditor cabot financial uk ltd

Dear Mr Blah
your balance of blah is waiting to be paid.You need to repay this amount there are different options for you to choose from.
PAY IN FULL
why should I pay in full? you can pay your account off completely over a few months, if this account is on your credit fileonce we have received your final payment we"ll update your credit file to satisfied. Don't they know if on my credit file?
Discount offer
How much of a discount? it will depend on how much you can afford.not much 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 sounds good go set it to nil this will show that the amount has been paid off but at 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.
CONTACT US.
Call on blah
yours Dishy Debs Date file ignore














.

Must be holding back with there external debt collecter

[stuckinarut]

Re: Hi guys not sure where to post my question {newbie} hope its
in the correct place.

Wifes
Halifax credit card started 28/3/2002
approx balance £11200
last fulll payment june 2008/then DMP till Aug 2012/ then debt settlement /ended 4/3/2016
Default dropped off. assigned to cabot. assignment printed by them/ same envelope
not paying at the mo. all quiet so far
Letter dated 23/5/16. received 30/5/16. Letter states current creditor cabot financial uk ltd
Dear mrs blah.
An alternative solution for your account. we would like to give you the oppertunity to be free of this account. so we have come up with an alternative solution for you.WHAT YOU OWE. WHAT YOU COULD PAY. AMOUNT SAVED. = 70% DISCOUNT.
we do want whats best for you. so if you want to take us up on this offer we need to make sure that all your priority bills are up to date.we could also be flexible with how you pay this amount. Dependent on your situation GET IN TOUCH. blah blah
Deborah green.
cleverly worded ignore for now. date file ignore
Letter current creditor cabot financial uk ltd dated 4/6/16
Dear mrs blah
YOUR ACCOUNT.
we haven't received your last payment from your debt management company. we have tried to contact them but they have not responded. so we decided to get in touch with you.
WHAT CAN YOU DO.
If you are still using the same debt management company we recommend contacting them to find out what is happening.
we would like to let you know the other options out there. stepchange etc etc
Deborah green.
she forgot to mention this wonderful website and forum. date file ignore
Letter current creditor cabot Financial uk ltd. dated 19/6/16
Dear mrs Blah
LETS WORK TOGETHER.
Dont let debt hang over you we can talk you through our different options and find a solution that suits you
set up a monthly payment plan
see if you can get a discount on your account and make a one off payment.
even if you think you cant pay we'd still like to talk to you. by understanding your situation we can guide you towards help. we help thousands of customers every month.
CONTACT US. blah blah
Deborah green
Very keen for a chat is dishy Debs. think we will pass on the phone calls tho. date file ignore
Letter current creditor cabot Financial uk ltd. dated 19/7/16.
Dear mrs blah
YOUR BALANCE IS WAITING TO BE PAID.
We have been trying to reach you to discuss your account but we haven't been able to get in touch
COULD I PAY LESS
MONTHLY PLAN
DISCOUNT
Ask where to get help with your finances
WHERE CAN I GET ADVISE
blah blah.
How can i contact you blah blah
Deborah green
Could i pay less? does she mean less than the current zilch. date file ignore

SENT CCA REQUEST 30/7/16 ROYAL MAIL RECORDED

Letter dated 31/7/16
Statement of account ref blah blah
LENDER CABOT FINANCIAL EUROPE LTD.

They seem to have SWITCHED LENDERS. from cabot financial uk ltd date file ignore

LETTER DATED 9/8/16 CABOT FINANCIAL
Dear Mrs Blah
Halifax cc ref - - - - -
Bank of scotland loan - - - -
Thank you for your requests for information under section 77-79 consumer credit act 1974. we currently do not have this information on file.
However i have requested the relevant details which will include a copy of the credit agreement statement of account and original and varied terms and conditions from the original lenders.
WHAT HAPPENS NEXT
I acknowledge the 12 day time limit to provide this information before the account becomes unenforceable however as we have to request the details from the original lender i anticipate that we will be able to provide this within 40 days. in the unlikely event we are unable to obtain this information within these time limits we will write to you again. if you have any queries please do not hesitate to contact us
your sincerely
Kayleigh Fisher customer support consultant

Looks like they are saving on the postage combining a cc and personal loan on the same letter

Letter cabot dated 14/10/16 received 21/10/16.
Dear mrs blah
Halifax cc - - - -
Bank of scotland loan - - - - -
Thank you for your letter received in our office dated 1/8/16. My name is kathycakebread i am the consultant that has further investigated your concerns and i hope to help you now by providing a resolution to this matter.
YOUR REQUEST FOR INFORMATION UNDER THE CONSUMER CREDIT ACT
Unfortunately we have not been able to provide you with the requested information within the relevant time period
WHAT HAPPENS NEXT
We shall continue to request the information from the original lender to assist you with with your request. in the meantime we would like to inform you that your accounts shall remain on hold with the customer care department until such time we can comply with your request
YOUR ACCOUNTS
Your credit agreements are currently unenforceable which means we are not permitted to obtain a judgement or decree against you in court. However you are obliged to repay the outstanding balance's as confirmed in this letter and therefore we recommend you contact us as soon as possible to set up a repayment arrangement.
INDEPENDENT ADVISE AND FINANCIAL DIFFICULTIES. blah blah

Well kathy we recommend no contact for at least the next 5years

2017
All quiet so far
2018
Letter dated 12/4/2018 Received 16/4/2018 CABOT FINANCIAL (credit card)
Dear Mrs Blah information under the consumer credit Act 1974
please find enclosed all of the relevant information following your request for information under section (77-78) of the consumer credit Act 1974. in the event that we have provided a reconstituted true copy or your credit agreement for the avoidance of doubt this complies with the consumer credit (cancelation Notices and copies of Documents) Regulations 1983 and therefore complies with the obligations set out in section 77-78 of the consumer Credit Act 1974.
What happens next?
we consider that the agreement is now enforceable and therefore we are entitled to obtain a county court judgment against you. However we would prefer that you work with us to set up a repayment plan to settle your outstanding balance.
the status of your account blah blah please make contact with our customer operations department as soon as possible to discuss the options available for this account

well its only taken them 19months 2 weeks approx. to come up with this they also enclosed a statement of account of the payments they received from the now defunk Debt management company (settle my debt) what they sent was 7 double sided pages of what can only be described as generic terms and conditions etc. had the wifes name and address alongside Halifax. However no signature of any kind I think they are just taking a punt here?

Sent off to Niddy for checking

Niddy says MPT Letter at the ready

Letter dated 21/4/2018. Received 26/4/2018 CURRENT CREDITOR CABOT FINANCIAL UK LTD.
Dear Mrs Blah
YOUR ACCOUNT IS NO LONGER ON HOLD.
We agreed to put a hold on your account due to your situation.That time period has come to an end and we would like to hear from you so we can have an update on your situation.
our customer consultants will take the time to listen to you and discuss the options available for you
GET IN TOUCH.
call us on blah
yours sincerely
Deborah Green
well dishy debs its still on hold at the mo.date file ignore.
gona hold the MPT till they get shirty

Letter dated 22/6/2018 Received 27/6/2018 current creditor cabot financial uk ltd
Dear Mrs Blah YOUR BALANCE IS WAITING TO BE PAID.
Thanks for paying in the past blah blah.
WHERE TO GO FROM HERE. monthly plan smaller lump sum blah blah.
we help thousands of satisfied customers every month blah blah
CALL US. gona pass on that one debs dont fancy a chat at the mo
Date file ignore

Still going to hold MPT Letter till they start to bite

[Spud]

Sounds like a plan

Don't be in any rush to reply until it actually is needed