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A bit of background, when I got my first job after being a student circa December 2008 I got my first CC - a Barclaycard Platinum. Within the space of 2 year they'd thrown a £9,500 limit at me and having something of a love for travel back then it got used up. At the time I was living at home with the parents and therefore regular payments of £600-700 were not a problem to keep the balance going down faster than it went up. Roll forward to 2013, I move out and start renting, the Barclaycard becomes my only source of 'offset' spending and the payments I'm able to make drop down to the minimum amount of around £200 which when combined with interest barely shifts the balance and it slowly rises and hovers around the £9000-9500 mark for about a year - some months it crept over the limit and I'd have to find the funds to get things back in check. In 2014 I admit defeat and go on a payment plan, they refuse to freeze the interest but do reduce it and my monthly repayment goes down by around £100. I keep to that plan and when it expired I renew for another year. When that second plan expired they refused to offer me a third agreeing only to an informal arrangement of £110pm but with frozen interest which I've kept to. The months on the informal plan appear on my credit file as months of sustained arrears. On November 28th I received a letter saying my debt - which has now reduced to £5700 has been transferred to Link Financial who I've yet to hear anything from. The letter from Barclaycard says I should go on paying them until I have details for Link and any funds will be passed along, my informal agreement will also be honoured for at least a further 6 months. Since the debt is no longer with BC, should I continue making payments to them or stop payments all together until Link get in touch? if the answer to that is yes, will not paying anything in the meantime put me at a disadvantage when it comes to them continuing to honour the informal arrangement? will I in a sense forfeit that arrangement. I've also read horror stories about Link and they're love for CCJs, how likely are they do this if payments to a debt are being maintained? the thought of a CCJ fills me with horror as I work for a company who deals with Pensions and as part of that I get credit checked every other year - I don't know what affect a CCJ would have on that check and I'd like to avoid having to find out! Am I stuck in a state of limbo until Link eventually pipe up? I've seen people speak of full and final offers, were I in a position to make such a proposal in a few months time - assuming they bother to get in touch - would a history of paying a decent chunk per month go massively against me compared to someone who has paid £1 for instance? would they see I'm good for more and try and rinse me for every last penny? Thanks in advance for any advice, it's stressing me out no end. -
Hi All Blumen Cheek. I wrote to this bunch a few weeks ago requesting making lower payments etc sent recorded they signed and I have RM print out, well all hell let loose 10 mins ago within the Mr household. they took the money on the 24th? can they do this,? this has now left me short for other bills. I am thinking that maybe they went for my throat because of my request to reduce payments? I am going to cancell the dd today and send a ' strong ' e-mail and another letter, are there any quotes I need to include. Mr, Rather Angry -
Hi CAG'ers Looking for some advice if possible. I took out a credit card with MBNA in 2005, which I defaulted on a couple of years ago. The debt has been sold to Cabot who are now looking for payment. After reading the numerous informative threads on this site I sent Cabot a CCA request in December 2016. A couple of weeks ago I had the standard 'sorry we are unable to obtain the info with the 12+2 day limit but hopefully have the info with me within 40 days'. As the 12+2 days have well passed now shall I send the 'Account in Dispute' letter or do nothing at all and wait until I hear from them again? Thanks for any advice given. DA
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Hi, I have an outstanding £6000 debt on a Halifax credit account which I've been paying £5 a month towards consistently for the last 5 years via standing order. Just before Christmas I received a letter from Hali stating that Lowell Financial are now the debt owners and that payments they receive from me for this debt will be forwarded to them (Lowell). I then received an introductory letter from Lowell saying pretty much the same and that they will continue to accept my current payment plan, unless I can afford more. They asked me to contact them via post, email or phone. I didn't feel the need to touch base with them as I've continued to make payments and I had nothing to say. I've recently received another letter asking me to get in touch, again saying they won't ask me to pay more but now asking me to pay them directly. On the back of the letter has their bank details so I could just amend my standing order to pay them instead of Hali (I've not done that yet). My questions are, should I write to them? Although I don't actually have anything to say, and should I pay them directly? Instead of waiting on Hali to forward my payments? Ultimately at some point in the future I would like to be in a position where I would be able to make them an offer in full settlement of the debt. At the moment that's not an option but something I plan on working towards. I hope I've covered all bases. Any advice would be greatly appreciated. Thanks x -
Hi Can you again, please offer some legal assistance. I have a ongoing claim in another thread but thought it might be easier starting a new one as this is not my debt.. but a close friend's I have filled in the form below This is for a credit card and a Current account from LLoyds. Does that mean 2 separate documents need to be sent out for the CCA and the CPR 31.14? Thank you Name of the Claimant ?cabot Date of issue – 16 0ct 2015 What is the claim for – 1.The claimants claim payment of the overdue balances (set out below) which the defendant(s) have failed to pay as required under contracts with the following particulars. Acc no 4462xxxxxxxxxxxx (credit card) Acc no 77xxxxxxxxxxxx (current account), between the Defendants(s) and Lloyds TSB dated on or about Mar o1 2002 and Jan 03 1997 respectively. The contracts were assigned to the claimant on Oct 01 2012 and Feb 11 2013 respectively. Particulars – a/c 4462xxxxxxxxxxxx a/c no 77xxxxxxxxxxxx DATE ITEM VALUE 11/08/2015 Default Balance £12249.34 01/08/2015 Default Balance £2428.15 Post Refri Cr NIL Total £14677.49 What is the value of the claim? 14,677.69 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit card and current account (combined) When did you enter into the original agreement before or after 2007? Before 2007 Has the claim been issued by the original creditor or was the account assigned (CABOT) Were you aware the account had been assigned – did you receive a Notice of Assignment? Unsure as it has been a long time Did you receive a Default Notice from the original creditor? Unsure if this was ever received Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Don’t recall receiving this Why did you cease payments? Financial issues stemming from job loss What was the date of your last payment? Approximately 1 year ago Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes attempted debt management but couldn’t sustain it -
I had court papers in October 2015 from Restons on behalf of Cabot Financial (UK) Ltd. I put in a defence and requested CA and stated I believed the debt to be SB. Just before Christmas 2015, Cabot sent me a letter saying they could not find the original CA and as such any alleged debt was "unenforcable". Today I get a letter which says: "We have been instructed to write to you regarding the above matter. We note from reviewing your account that you have not withdrawn your Defence, nor has a payment arrangement been agreed. Due to the time which has elapsed since the proceedings were issued, our Client has asked us to remind you of the detail regarding the outstanding debt. The current outstanding balance is *jellybeans* which relates to the Aqua card facility with account number *chocolate coins*. Our clients records indicate that the account was opened on or about *mint crisps* 2008. In line with the Terms and Conditions which governed the account, the original creditor had a contractual right of assignment. In other words, the original creditor was entitled to transfer their rights and benefits under the account to a third party and that right was exercised on *Quality Street* 2011. Our client has asked us to explore the possibility of a settlement being achieved without the need for this litigation to continue and is therefore is willing to enter into a payment arrangement that is affordable and sustainable by you. We kindly ask that you complete and return the attached financial statement within the next 30 days, confirming what your offer of payment is. If you wish to settle the matter by way of a lump sum payment our client may be able to offer you a discounted settlement figure. Please contact ourselves on the above telephone number if you wish to discuss settlement of your account or have any queries relating to your account. Yours faithfully *Toblerone*" I gather it's a fishing trip?
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Hi Sorry if this is in the wrong place or missing any key info, first time in posting to the forum. My partner received a letter with a claim form from cabot financial, for county court business center, in relation to car finance taken out in 2004, the last dealing we had with welcome was disputing the account as they couldn't provide any account info and we kept being passed between departments. the claim is for 7k which is alot of money to just pay when we dont even know what we owe if anything. we have 5-7 days to respond to this claim form, and i have no idea where to start or what to do :/ Thanks in advance -
I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first? -
Not that I am falling for it as the letter is already in the bin. Hi Mr W Tell us your budget and we will save you £50. We want you to start positively on your journey to paying this acc, once you start paying back we will reduce your balance by £50.00. All you have to do is fill in the enclosed budget form.... Oh yes.
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I have received a letter this morning at my rented address for a notice of application for attachment of earnings order from Cabot Financial (UK) Ltd. I migrated to Australia in 2011 but had to return in Aug 2015 due to visa refusal but although this letter has a case number and application number as well as a judgement creditors reference I actually have no idea what this debt is supposed to be for as this is the first correspondence I have received at this address and I have been here since August 2015. It says unless I pay the judgement creditor within 8 days I must complete the enclosed form of reply including the statement of means and send it to the court office within 8 days after receiving this notice. I'm not sure what this debt is for which is my main concern as there is no reference to it nor what date this judgment was carried out. It says the address for payment is Restons Solicitors Limited Warrington and that's about as much as I know -
I noticed your problem with Lowell we have a similar problem which can out of the blue approx 3 weeks ago. We received a letter from Lowell out of the blue saying we owed an amount regarding a outstanding balance on some car insurance we cancelled over 4 years ago. We have never had a letter asking for payment from the insurance company concerned. After finally tracking it down the Insurance said the amount is outstanding but not to them but to creation finance but to get a letter after 4 1/2 years seems strange to them. My husband rang Lowell asking for more information and the guy was not very helpful just said are you paying the amount today. My husband replied no not till I find out what it is in connection with as I dont know if the amount is outstanding. Can Lowell take this claim any further or are we ok to ignore them. we have never received a letter from Creation asking for the amount. The letter also came to our new address not the old one where the policy was connected with. Any advise is welcome
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Hi I have a friend who has got into a bit of a mess financially due to a relationship breakdown. I am helping with a number of debts but he has one which Link financial are chasing on behalf of Barclaycard. I have sent the standard CCA request letter to which we received a response stating it will take up to 30 days to obtain this information for Barclaycard. I then sent a follow up letter advising that the account was in default as they had not complied within the statutory timescales. i also tried my luck with a request to cease processing personal information as my friend has a high profile job and Link have registered a default against his credit file without offering any proof the debt belongs to him. I stated that this could be professionally damaging to him. The replied advising that they are still awaiting documents from BC and confirmed the debt is unenforceable until they provide the documents requested. They also said it remains collectable and that they will not remove the default (I never asked them to remove it) They did not acknowledge my data protection request only stated they would not remove the default. My letter clearly stated that they were to either comply with my request under the DPA within 21 days or provide a detailed breakdown as to why they were refusing my request and their reasoning for continuing to process data. They have not acknowledged this. So I am hoping someone may be able to advise me what to do now. I have sent a notice of correction to the credit agencies explaining that the account is subject to a CCA request. Is there any way of having this default removed considering Link have not proved the debt? I would also really appreciate any help in relation to the DPA and their failure to acknowledge my request or provide sufficient reason for continuing to process data. Many thanks Kate
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In a bid to warn you against money [problem]s, Financial Fraud Action have said that, in the first half of 2016, there's been over a million cases of card fraud, phone fraud, cheque [problem]s, and online fraud from January to June, which is a 53% rise from the same time last year. That's one every 15 seconds. The FFA, backed by payment card businesses and banks, want to raise awareness in a bid to stop fraud. Along with the police, they're backing the The Take Five campaign, which looks at helping people who think they're too busy to sidestep financial fraud. 1. Never disclose security details, such as your PIN or full password – it’s never right to reveal these details. 2. Never assume an email request or caller is genuine – people aren’t always who they say they are. 3. Don’t be rushed – a bank or genuine organisation won’t mind waiting to give you time to stop and think. 4. Listen to your instincts – if something feels wrong then it is usually right to pause and question what’s happening. 5. Stay in control – have the confidence to refuse unusual requests for information. https://takefive-stopfraud.org.uk/advice/
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Hello, I have received a letter (pdf enclosed) from cabot/country court supposedly. I think (not too sure) the debt is from about 10 years ago (maybe more) I do not have any other info other than this letter. I do not remember receiving a judgement of payment as ordered. What should I do next? Any help would be appreciated Andy Cabot-Court Letter.pdf
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Hello I'm new here, but just wondered if anyone has experience with successfully challenging and overthrowing an ombudsman's final decision. The Financial ombudsman has made lots of poor excuses and failed to look at the significant evidence that yes car credit/direct auto have mis sold ppi and other insurances without permission. Many thanks if u can advise -
I hope someone can help me, I have not used this site before, however I have been reading a fair amount of threads but have now become a bit stuck . Any good advise anyone can give me would be greatly appreciated. I received a letter dated / issue date 11 Feb 2016 from the County Court business Centre Northampton . The claimant is Cabot Financial and refers to a debt of £641.79 . All it says on the letter is an account number and it is for a Capital one account. I called and spoke to Cabot who said the debt was from 8/2/2010 and was defaulted on 6/8/2010. I did not acknowledge the debt and only asked them to send me the original credit agreement and statements . They said this would take 6-8 weeks. I then went online to see where i stand as i do not recall this debt although i had some financial problems around this time and instructed a debt management company to organise and consolidate the many creditors i had at the time. I then went on to the money claim website and made an acknowledgement of service and set out to defend all of the claim . I wrote to both Cabot and Wright Hassall requesting information under CPR18. I also wrote to the court saying what i had requested from both parties and that if i had not received the information back within 2 weeks that the claim be struck out. I have now received a letter back from Wright Hassall confirming that they will take 6-8 weeks to receive the original documentation . They say my file will remain on hold and that i will need to make a subject Data request and pay a £10 fee for copies of all information including transcripts?. My question is what do i need to do now ? I have been as quick as i can in responding to this but am worried about a default judgement being made without me having the documents i have requested. Should I send the letter i have received from them to the court ? If so what letter should I write and should it include anything inparticular . I am shocked that these people can take me to court without having the documents to hand in the first place. Can I request that the court has the case dismissed due to time wasting etc? Any help anyone can give me would be really appreciated .
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Hello all, I've had a long standing MNBA credit card that I've been slowly repaying at ludicrous rates of interest for a very long time, I was out of work for three months in the summer gone, MBNA were very reasonable, froze the account for six months when i got back into work they refused to agree to any sort of payment plan other than a capital sum and essentially insisted on defaulting and selling the debt on. So the seemingly rather notorious Link Financial have now invited me to call them to discuss options. I've just posted the CCA template letter, along with £1 PO and a printed signature. I'm a seasoned veteran of the happy time of bank charges so have the general gist although I'm a bit rusty, I remember how good these threads were for keeping continuity but of course all good advice is welcome. The debt is a little under £10k. Broadly speaking where is it likely to end up? I can afford a certain amount of monthly repayment but a capital sum is out of the question. Thanks Micky
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Hello everyone. I need some help/advice on a financial assessment that my mother recently had:- On the 2nd June my mum was diagnosed with Alzheimer's. As a result of this she now has to have carers coming in to make sure she has taken her tablets, eaten, washed etc etc. Because of this she had to have a Financial Assessment done to determine as to whether she would have to contribute anything towards the cost of the carers. This Financial Assessment was done on the 12th July. The outcome of it was that she has to pay £7.60 per wk towards the cost of this care. I was asked if my mum was in receipt of AA (Attendance Allowance) and at the moment she isn't but I have completed a claim form for her for this, and she is awaiting the decision. So another financial assessment was done to see what she would have to pay, once she was getting the AA, this then increased the amount to £51.12!!!! I think this is absolutely disgusting :-......but what I don't understand is, on the assessment, under the heading 'Essential Expenditure' they have only taken into account her building/contents insurance, water rates and council tax. There is no mention what so ever of electric, food, heating bills........my mum has meals on wheels every day and I get an invoice every month for the cost, which is £107.00 this has not been included!!!.....what she pays in electricity has not been included!!....and because my mums only form of heating is a coal fire (there is no gas to the property so doesn't have central heating)...she has to pay for coal bills, which are £58.00 every 3 months, again this has not been included!!! I simply cant understand why electric, food and heating would not be classed as 'Essential Expenditure' do they expect my mum to sit in the dark, be cold and not eat????? I would be grateful for any advice that anyone could give me.....to be perfectly honest, I am seriously thinking about cancelling my mums claim for AA, because its simply not worth it....im so fed up and angry at the same time. I have also been told that if she were to go into residential care, she would have to have another financial assessment done because then they would have to include things like 'assets'....to which I said "but she doesn't have any"....then I was told that if she owned the house she was living in (which she does) that would be classed as an asset, and she would be expected to sell it to pay for her care I said that I have Power of Attorney for my mum for both Heath & Welfare, and Property & Finance....but apparently that doesn't matter.......is there anything that I can do at all......I think it is disgraceful, disgusting and down right pathetic, that my mum may have to sell her house, so that she can be cared for in her twilight years..... If anyone can help point me i the right direction id be very grateful
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Six years ago I found the details of someone else with the same name (almost as she is a Miss and has a middle name unlike me) and dob on my credit report, I was able to have this removed and have an excellent credit score. However, over a year ago Lowell started ringing me and sending me letters about this woman's debts. I've not had any accounts or involvement with any of the companies who have passed on these debts. The first one I ignored and they subsequently passed it onto a debt collection agency who told me they had proof that the goods were delivered to my address. Action Fraud took this on as a possible fraud and Lowell's response was to write off the debt but still imply that it was mine. The next three debt letters arrived a few weeks later and I sent the template 'prove it' letter. They wrote one off still insisting that it was mine, I'm still waiting for a response to one and finally got a copy of the original credit agreement for another. This clearly gives the other woman's address and actually includes a copy of a letter to her, at her address, stating that she had asked for a copy of the agreement and they are still asking for repayment. Lowell have also done a search on my credit report and found nothing (that must have been disappointing for them!). I'm getting really fed up now of having to do all the work here to prove that these debts are not mine and this other woman is having her debts written off and I don't know what else to do at this point. Is there any point in complaining directly to Lowell or should I take it to Trading Standards. -
I have had a reply from MBNA/Link to my CCA Its 16 pages long along with a statement of all the payments made (I have had to split it into 2 parts so not to reach the max file size) (I have paid £1500 off the total so far) Its not in my credit file at all I would be grateful if someone could have a look over it and give me their opinion. Thanks
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Hello everyone, Credit Card-HSBC Bank, currently with Cabot/ Marlin Account Start Date: 01/2007 Opening balance:£2700 Default balance: £2700 Date of default: 06/2010 I think this probably was an online application.. After defaulted in 2010 Metropolitan Collection Service Limited contacted me and demanded high monthly payments while I was in the hospital- everyday calls etc. .. In the end reduced payments were agreed. I was paying them reduced payments (£10 or £20 I don’t remember exactly) on monthly basis until 2013. They agreed in writing in 2013 a monthly £1 payment : Commencing Date 29/06/13 Finishing date 28/08/2096! A few months after the agreement I was contacted by Marlin (Cabot Financial) advising me to start paying them the £1 monthly and providing me with their details. Noddle currently shows owing of £2400. I was contacted by Marlin over the phone recently for a review -I explained that my financial situation is even worse than it was in 2013. They were fine-still happy to receive the £1 .They also mentioned that a full and final settlement can be arranged at 65% discount but they would consider a lower offer if I go to them with one- they said. I sent them a CCA request on 08/01/16 and a change of address letter. They have received my letters on the 9th. Today I received the following letter (file of the letter attached) advising me that unfortunately they were unable to cash the postal order because there was no payee filled out. Please see the attached letter from Cabot. Apologies for the poor quality of the file- I think it is readable. ..but if it is not let me know an I will try again. They also returned my original CCA request letter and the change of address letter??? So I guess I should return these to them. They have written on my CCA request letter with pen: 'ops req £1' and also attached the sticker for sign for service from the post office (I sent the letter recorded)... I have also attached the file of the postal order. Please tell me what is wrong with the postal order? I asked for a postal order and in the post office they told me that the best is to buy a crossed one if I am going to send it to a company, so I agreed!? I did not ask them to put a name on the postal order... Although I left the postal order completely blank at the back- Cabot has written on it my Ref number and something like a signature next to the ref. number??!!!! Please advise on the above? Very much appreciated! Uploaded PDF files -post 3 .
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Cabot Financial (Europe) Limited have left a footprint on my credit search file that says 'Customer Management' id like to know if this is going to be visible to lenders or if this particular search would be only visible to myself? It came about as i called them and asked the outstanding balance on a very old debt. There is no evidence of them within my file as this particular arranged payment fell of the credit report 2 years ago so it is only this particular search now. Thanks -
County claim form sent issue date 6th Jan 2016 from County Court Business Centre, Northamptom. Claimant: Cabot Financial (UK) Limited 1 Kings Hill Ave Kings Hill Kent ME19 4UA Claimed amount 280 + fees (25 court + 50 legal) = 355 Signed Wright Hassall Capital One original creditor nearly 6 years ago with a registered default notice. Apparently they sold the debt to Cabot without my knowledge. 1. Is this a legit CC claim, it's all printed, no pen signature or court stamp, just laser printed image of the TCC and text (it does have moneyclaim.gov.uk password but never checked it for authenticity)? 2. Will they have the original credit agreement and if they do or don't would I have time to obtain this feedback of information under CCA request? 3. I never received or in receipt of any "notice of the assignment", how could they prove otherwise? 4. REF: Firm Name: Cabot Financial (UK) Limited Interim Permissions Reference Number: 472690 Current status: Lapsed a) Consumer credit business: Entering into a regulated credit agreement as lender; and exercising, or having the right to exercise, the lender's rights and duties under a regulated credit agreement. Inactive 28/02/2015 b) Credit brokerage: Credit broking Or Credit broking limited to credit intermediation Inactive 28/02/2015 c) Debt administration: Debt administration Inactive 28/02/2015 d) Debt collecting: Debt collecting Inactive 28/02/2015 e) Debt-Adjusting on a Commercial Basis: Debt adjusting on a commercial basis Inactive 28/02/2015 If they don't have "permission" to conduct debt chasing activities how are they able to conduct debt chasing activities on me via a CC claim? 5. What position do I hold that will throw out this case in court? Any other help or advice will be greatly appreciated. Thank you in advance. -
Hi All, I had started a CCA process with Idem servicing with the OL being Citi Financial. I took out the loan in 2007 and have had a minimum payment going out. All payments have been stopped whilst my CCA request is in process. Idem promptly replied within the set time of 12+2 days with many copies of the signed contract with Citi financial, i just want to make sure that what they have sent is enforceable, if so should i resume my payments and send a F&F offer to them. I have uploaded the documents that were sent to me. -
Hi everyone This is my first post here, so i hope you will bear with me if I get it wrong. In 2010 I was diagnosed with MS and due to deterioration in my physical condition I had to stop working. To keep it short, I had to sell my house and paid off most debts, however a debt to Barclaycard CC remained. In Oct 2013 a reduced payment plan was agreed with Barclaycard and to date I have kept up these payments firstly with them and subsequently with Link. I have listed below a summary of events. I have a couple of questions and any advice would be very appreciated. Should I respond to Links request for a financial review of the current plan by phone (they have supplied an 0800 number) or in writing ( they have supplied an income/expenditure form). Unfortunately I do not have my original Barclaycard Credit Card agreement or any statements of my payments when the card was active. Having read about PPI ect.. would it be worth me getting this of Barclaycard and if so, how do I go about doing this. Again any advice would appreciated. Oct 2013. Barclaycard agree due to my circumstances, reduced payment plan of £26.00 per month for 12 months.. Balance £4451.91 Oct 2014. Barclaycard continue agreement at £26.00 per month to be reviewed in 12 months.. Balance £4139.91 Feb 2015. Barclaycard write to tell me they are transferring my account to a third party called Asset Link Capital (No5) Limited. This is in line with the Terms and Conditions of the account and the transfer will happen in Feb 2015. They state that Asset Link Capital (No5) Ltd have been chosen after a rigorous selection process. My agreed repayment plan is to remain in place for a minimum of six months after which Asset Link will get in touch to review my financial situation and may agree a new payment plan. Feb 2015. Asset Link Capital write to tell me the following: We write to notify you that Barclaycard has assigned your account, as referenced above to Asset Link Capital (No5) Limited ("ACL5") on 27.02.2015 with an outstanding balance of £4035.91. ACL5 has appointed Link Financial Outsourcing Ltd to service your account on their behalf. They acknowledge payments of £26.00 per month under the terms of an informal agreement, and will review this payment plan at the date agreed with Barclaycard or six months from this assignment. Jan 2016. Link Financial Outsourcing send letter for payment plan review.
