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today I received the following email from Cabot. YOUR REFERENCE NUMBER Your overdue debt requires urgent action Hi Yesilgozlerim, As you're not making payments to your Aqua Mastercard - Credit Card, your account has been selected for legal action by our solicitors. If you continue to ignore us and do not take action within 26 days, your account will be passed to our solicitors who will then look to obtain a County Court Judgement (CCJ). This can have a negative impact on your credit score so it's important you understand what the consequences of not taking action are. What do I do now ?
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Hello all, I was on a repayment plan with Cabot , initially £30 a month then I raised it to £50. Today I received a letter saying they have reviewed my account would like to increase it to £64. They go on to say they make routine reviews and also when they do this, they make additional checks which includes credit bureau information. I am not happy to increase the payment but there is no option to decline. I am afraid that if I don’t accept, they will stop the current plan and begin to pile interest. Current balance is £3052.52. Anyone know what I can do in this situation? Thanks
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Hi, have you got an update about Hitachi, Im in the same posiiton were they wont default my account but they havent sold it on yet.
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Hitachi capital finance / Lowell
yesilgozlerim replied to yesilgozlerim's topic in General Debt Issues
i found my old post but it didn't let me comment there for some reason -
Hitachi capital finance / Lowell
yesilgozlerim replied to yesilgozlerim's topic in General Debt Issues
August not december. Not contact since CCJ threat August 2019. -
Hitachi capital finance / Lowell
yesilgozlerim replied to yesilgozlerim's topic in General Debt Issues
Hello, I haven't posted for a while and can't find my old posts. I had debt with Hitachi Capital Finance that they never defaulted and never marked my credit files with a default. They sold it to Lowell who threatened me with a CCJ but I haven't heard a single thing from Lowell or Anyone else since December. It's now May! I think that Lowell passed it back to Hitachi as they knew they couldn't get a CCJ from an undefaulted account I'm now at the stage where I want to know what's happening but if i send SAR to both Lowell, and Hitachi, will it wake either of them up ? To clarify, i'm wanting to set up a dmp but i didn't hear from anyone after the CCJ threat . What should I do ? -
Hitachi capital finance / Lowell
yesilgozlerim replied to yesilgozlerim's topic in General Debt Issues
They only brought the debt at the end of June. I haven’t made any payments to Lowell. This letter i received yesterday from lowell was a ‘ Pre Legal Assessment ‘ stating that they may take legal action to recover the debt if i do not contact them to arrange a repayment plan! and no CCA request yet -
Hitachi capital finance / Lowell
yesilgozlerim replied to yesilgozlerim's topic in General Debt Issues
i’ve a £4333 debt so i will have to pay it off somehow -
Hitachi capital finance / Lowell
yesilgozlerim replied to yesilgozlerim's topic in General Debt Issues
what is saying is ...once i set up a payment plan with lowell then AP markers will be recorded whereas if it was defaulted prior by Hitachi then they won’t show when I set up a DMP with Lowell .. are you with me ? -
Hitachi capital finance / Lowell
yesilgozlerim replied to yesilgozlerim's topic in General Debt Issues
Yes DX, but my whole aim was to get Hitachi to default me , because once i set up payment arrangements after default , AP markers won’t be recorded. They just record the payments on the CRA and reduce the balance each month ( the same that Cabot have done with me for the last two years with another debt ) -
Hitachi capital finance / Lowell
yesilgozlerim replied to yesilgozlerim's topic in General Debt Issues
There’s no AP markers since my last payment back in December 2018. what is a DSAR? Is it worth sending a SAR to Hitachi to find out what they have on me or is it likely that Lowell will have everything now ? -
Hitachi capital finance / Lowell
yesilgozlerim replied to yesilgozlerim's topic in General Debt Issues
Car is self help ? what do you mean ? I just am so confused about all of this. I thought that the debt must be in a defaulted status in order for Hitachi to sell it on. The account with Hitachi wasn’t and, with reference to CRA, hasnt been marked it with a default. It’s been 3 months ! Lowell bought it and have made payment requests which I haven’t responded to as no default. I don’t want AP markers stuck there why I was wanting the default. Any ideas what my next step is ? Thanks
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