I followed the instructions by The Librarian where it says it should be sent recorded delivery

I’ve sent off the SB letter first class recorded delivery. I have just printed my name digitally but was wondering do they have to accept it without my actual signature. Can they be awkward about it?

Thank you. I was using my iPad and it wouldn’t let me change anything but I’ve asked my husband and he’s done it on his laptop. Sorry for being an idiot. I’ve spent the morning having chemicals pumped into a helmet I’m having to use to fumigate student bedrooms and it’s obviously gone to my head.

I have. Says sign or print digitally but I had to type the letter out due to using iPad so wondered if I would just sign normally

And I’m ok to sign this letter.

Yes the address for Ruthbridge is different to that of Cabot so I’ll send to Ruthbridge

Sorry just a quick question before I do the letter. Do I ignore the fact that the letter from Ruthbridge says that I must contact them and not Cabot. Thank you

Do I send the SB letter to Ruthbridge? Apologies I hadn’t realised I already had a topic open. Thank you for merging.

I’ve received a letter today from Cabot Financial saying that as they’ve been unable to reach an agreement with me they’ve passed my account to a company called Ruthbridge. It’s regarding an old Capital One credit card which doesn’t show on Credit Karma, Clearscore or Equifax and Experian has my credit score at 998. I believe the last payment was in April 2014 and I wrote to them in Jan 2020 to advise of our correct address apart from that I’ve never called or acknowledged any letters. Has anyone heard of Ruthbridge as it’s a company I’ve never heard of before. Many Thanks

Hi. We’ve continued to ignore Wescot. Today a letter came from 2f which judging from the letter is part of Wescot. It’s a confirmation of residency letter and asking for my husband to get in touch. Says if he doesn’t then Natwest has the right to take further additional measures to re-establish contact with him. Can I assume this is also OK to ignore. Thank you

When I get my order confirmation it does say guide price with a red * beside it and at the bottom of the order says the price you’ll be charged is the price on the day of delivery or collection.

You need to let them know that as you receive support group of ESA you should automatically receive the LCWRA of UC

You’ll continue to get your ESA but it will be deducted from your UC. Your partner will need to add you to her UC claim so I believe if she goes on her UC journal and changes from a single claim to a joint claim. She’ll need to do this the day you move in together. Also you’ll need to supply your tenancy agreement so they can add the rent element to your joint UC award.

You can continue to receive ESA but it would be deducted £ for £ from your UC. Housing benefit would stop but UC have a housing element so you’d need to upload your tenancy agreement so you can receive help with paying rent.

Just a quick update. After Moorcroft have given up, Wescot have taken over on behalf of NatWest. Just the usual please contact us so we can help you.

So if the house was repossessed and no payments have been made since July 2014 (default date on credit report is 10th September 2014) it will always show on my report as defaulted for the term of the mortgage.

yesterday I had a notification from Clearscore that my mortgage was to be removed from my file as it’s been 6 years since it defaulted. I then get a notification today that it will be re added. Now I know they have 12 years to chase the capital but can it stay on my credit report for 12 years?

No you won’t loose PIP. That will be paid separately. Also as you’re over 25 you’ll get £594.04 standard allowance even though your partner is under 25. The standard rate at the moment is roughly an extra £80 per month due to COVID and is due to end April 2021.

Hi. yes I informed Cabot that we’d moved and the correct address shows on the credit file. Can I just ask. I was trying to find where I’d read after the default expiring 14 days after the date it’s recorded. Is this correct. So the recorded date is the 14th October but they would have until the 28th October to make a claim.

Thank you. I was trying to find out if the statute bar was from the missed payment or from the default date but all I could find is from the date a creditor had cause of action but I’m unsure of what that actually means.

Just a quick question regarding Cabot. I believe it’s for a Capital One Credit Card taken out December 2010. No payments made since April 2014. There is a default registered on my credit file dated October 14, 2014. I’ve ignored all the standard letters from them regarding the debt but is it likely they can still take me to court regarding the debt. It’s for £568. Thank you.

A tax rebate is counted as income when it comes to working out UC. If it’s paid through wages then UC will obviously know straight away. There is some debate though if it’s paid directly into your bank or via chq as UC may not pick up on this straight away.

If you move in together you’ll loose the SDP premium and you’ll have to go onto her Universal Credit claim. You would loose your housing benefit but you would get the housing element on UC. When baby is born you can claim child benefits and the child element will be added to your UC. As regards ESA if you’re in the Support Group or WRAG this should be transferred over to UC

Quick update Another Moorcroft letter arrived. This one says as you’ve not contacted us we have decided to look at other options. Option 1. Keep writing to you, or Option 2. Hand back to our client so they can look at other DCA to contact you. Is it OK to file with the other letters?

I’m signed up to both Clearscore and Credit Karma. Should they show the same information? 2 defaults I have are my mortgage and a credit card. On CK they show as being updated monthly and the default dates, but CS says my mortgage was last updated May 2019 and the credit card in 2016 but doesn’t show the default dates just they are in default. My credit card defaulted on 14th October 2014 and my mortgage 10th September 2014.