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microbar

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About microbar

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  1. They should follow procedure like they are always telling us lol.
  2. So where dose this leave me Dodgeball do I ignore the cabot letter as they have broken the terms of the consumer credit act by their actions. Or do I point this out to them. This really should have been defaulted by JD Williams and then passed on to cabot. As I have been making token payments of £1 a month for the last 9 month. thanks.
  3. Took time to read the cabot letter and it reads as follows we have recently bought your account you held with JD Williams. we are here to help you manage your account. good news we are happy to accept your token payment of £1 a month. Then the bad news as follows. information you need to know. the amount is lower than the minimum contractual payment for this account of 4% of your outstanding balance, as required by the terms of your credit agreement . This means that arrears will start to accrue on your account. Were happy to continue with these payments but we need to make you aware that if you stop paying or are not able to repay the accrued arrears after 6 months your account may become defaulted. it then goes on to say what a default means about reporting to credit ref agency's etc. I did think when a debt collection agency took over your account they were not allowed to add any charges. but it seems they can As JD Williams have not defaulted me for this account. Any suggestions how i proceed with this thanks.
  4. £800 No usual £12 charges or other charges. My question is can they sell the debt without the account going into default thanks.
  5. Looking on credit file it shows as Jd Williams Ta Ambrose Wilson £ ***** 20/02/2019 Up to date so account never defaulted and now cabot has purchased the debt
  6. No this is a newer debt with ambrose wilson taken out in 2017 thanks for your help
  7. As The Title Had a letter today from Cabot and JD Williams saying they had sold the debt to Cabot. Have been paying a token payment after illness forced me to leave my job. The account had never defaulted. My question is it legal to sell an account on to a debt collector without a default notice going on to the account first. As all my other debts have been defaulted then sold on. Thanks.
  8. No this is going to be my first response and I do not want to telephone them,
  9. As the title says I need an address to write to or email in regards to an NATWEST overdraft I recently moved onto benefits and will be offering them a token payment thanks.
  10. Thanks renegadeimp leonmassey will get a letter off now.
  11. My wife has fallen ill with bowel cancer and was not in a position to make her contracted payments to aqua. I wrote to Aqua in November 2014 and again in February and march without reply, I have called aqua and asked to be put through to the complaints team but on two occasions I have been left on hold and not got through to the complaints department. Can anyone give me the postal address for aqua card complaints team. I do intend to take this up with FOS But I need to write to them first. Thanks.
  12. Migrated from IB to ESA put in WRAG then after reconsideration Put in Support three month later My question is will my next ESA WCA fall on the date the first Decision was made Or will it go from the reconsidered decision date Thanks.
  13. when I refuse delivery do I need a note from the driver to prove the mobile has gone back thanks.
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