Thanks dx and jk. I'll just ignore them. I did check the advice given in other threads but wanted to be sure that was still relevant to my situation. Thanks again. Appreciate the support

Moorcroft are sending a rep round to my house this week. What is the best way to handle this? Ignore and not answer the door or engage with them? I haven't acknowledged anything since I started on this journey and defaulted on my cards in December 2022

ok thanks, dx

Here's the amended pdf, if you wouldn't mind replacing my original posting. Thanks I've had two letters through the post today in relation to my Halifax credit cards. Both have now been sold to Cabot. At what point can I expect a letter of claim, if ever? Do they follow a set process for each debt they acquire? Should a letter of claim be sent at the beginning or is it sent after several attempts to get me to respond? I'm just trying to figure out what to expect over the next several months. I will also do more reading up on previous threads and educate myself on PAPLOC. It's not a term I've heard of before and I assumed my next move was to offer a token payment. Thanks again for the advice.

I didn't realise about the barcode. How do I remove the attachment? If I do receive a letter of claim, is that the point where a token payment is offered? Thanks for the advice

MBNA and Halifax have sent a letter of assignment stating 'has assigned all of its respective rights, title, interest in respect of the above referenced account to Cabot Financial effective from 19th July' We have then received a 'Welcome' letter from Cabot asking us to get in touch? Past Due Credit does appear to be part of Sainburys. I'll continue to ignore this one. Also have received letters of assignment for the two Virgin CC's. Let me scan up the Capquest letter The other Capquest letter is worded the same as this one. Capquest - Virgin CC 19th August-redacted2.pdf

Please advise. My last credit card payments were made in December 2022. My credit file shows that I have defaulted on all 5 credit cards but I have only received one default notice from Santander. You have previously advised me to ignore Wescot/2F, which I have done. Is it unusual to not receive default notices from my other creditors? My MBNA debt has been sold to Cabot Financial. Is this the time now to use one of the template letters? Just for clarification, this is where I'm at with my 5 cards - Halifax credit card x2 - no default notices received, no contact from any debt management agencies, no phone calls or texts Capital One CC - no default notices received, no contact from any debt management agencies, no phone calls or texts MBNA CC - no default notices received, but debt has been sold to Cabot Financial, advice on next steps? Santander CC - default notice received, debt being managed by Wescot/2F, ignoring them for now as per your advice My wife's current situation - Virgin Money Credit Card x2 - no default notices received, but debt has been sold to Intrum UK Finance/ Capquest, advice on next steps? Halifax CC- no default notices received, no contact from any debt management agencies, no phone calls or texts Sainsburys CC - no default notices received, debt is being managed by Past Due Credit Solutions, not sure if sold or just being managed by PDCS, should we engage or ignore? Halifax overdraft - no default notices received, debt sold to Cabot Financial, should we send template letter? I can upload letters should you need to review. Bit concerned that I don't have any other default notices. I'm fairly organised with the letters we have received so far and I'm confident that we haven't lost any.

Ok will do. Thanks

That's it. No mention of Section 87/8. Is that unusual? No further letters received since. I'll post the next letter I receive (dates, figures included) when it arrives. Thanks

See attached. I haven't received any further comms from Cap One after this letter. It's also gone quiet with other creditors, apart from Wescot (Santander). No calls, texts, emails or letters. Wescot phone and text daily. Please advise on my next steps. Much appreciated. Cap One DN 22-06-23_compressed-redacted.pdf

Ok thanks. I do have an official DN from Cap One, received on the 22nd June. It doesnt mention Section 87, but is advising that my account is offically in default and I have lost the use of my card, a default will be registered on my credit profile for 6 years and that they have the right to demand payment in full or sell the debt to a DCA. Do i wait for further comms from them or a DCA? There is no request to pay in full, or any other instructions. It's purely just a notice of default. I'll ignore the Wescot one for now.

See attached. It doesn't look like I have officially defaulted. I logged in to my banking app and checked paperless statements. The last two letters are informing me of the statement of default sums. No mention of defaulting on the credit agreement. Wescot 1st letter 07-07023-redacted.pdf

Update!! 3 of my cards have defaulted so far. I've received a default letter from Wescot today (Santander cc). The letter is asking to get in touch to either pay in full or arrange a payment plan. I'm expecting similar letters re my Capital One and MBNA cards any day now. Halifax x2 are persisting with payment requests. Lloyds have been silent for 6 months. What are my next steps? Thanks

Account with Starling opened. I've heard good reviews about them and the process so far has been very efficient. I just need to open a joint account for my priority bills then i'm all set.

Awesome. Thanks for your guidance. Re the credit report situation, that all makes sense. I have read previously about the debts being sold for pennies in the pound and the snide tactics employed by the DCA's. I accept this is a process and i need to let it run its course. I'll document my journey in here. Wish me luck!!