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    • It isnt a great thing to have to worry about all these things. I am sure someone on this site will offer some great advice.   Priority debts need to be sorted first; Rent/Mortgage, Council Tax, Utility   - Dont quote me as I do not know the legal points around this; but Overdrafts, catalouge, card debts are not priority. I would sit down and work out exactly what your priority debts and living costs are, deduct from your income. Look at all your cards, loans overdrafts etc, list them all, starting from the highest interest charging ones, think what and which ones to work out a realistic monthly payment, dont overpay what you cant afford.  I would consider not using the cards etc, as you will be adding to your debt and problems. I would contact someone Like Stepchange or Citizens advice, they will offer you some very good advice and ways of contacting your companies you have debt with. Dont be afraid of your debt companies, write to the fully explaining situation and what you can realistically offer, do not be preasurised into paying more than you can I personally prefer contact by post or e mail rather than telephone. Ive no idea what Factor, Monzo is, but may well fall in line with what Ive said.   Keep a note in a diary of every call you made or who contacted you, ask for names, keep and copy all letters to and from as this may be helpfull further down the line for record keeping.   Do not ignore contact as this just adds more stress for you and the problem wont go away.   Make sure you make your affordable monthly payments, every month, even if they say we wont accept it, its to low.    As you have a lot of stress going on, I would certainly contact someone like Stepchange or Citizens advice,    Good luck
    • Hy. Caring for family adult learning disability; full time, currently unpaid from work, unpaid carer - receive weekly carers allowance This is what I have searched on so far; - can only receive from employment £132 a week, after Tax, NI, deductions in all about £201.00 a week, but this is taxable and needs to be entered on tax submission, but if less than personal allowance then no tax may be paid? - I believe NI is paid as long as you get the carers allowance, although gap between break in employment and start of carers allowance may not be? -Should employment end due to company not happy in change of hrs and I have to leave, then only the carers allowance would for be the income, If UC is applied for would this allowance be deducted from what UC give or the person I cared for be affected - Savings may affect if you get UC or not - Certainly cant be available for looking for work as full time carer   anyone have any points, help or advice on this issue please
    • hy, In a nutshell; - current contract  work part time Mon to Fri 24 hrs - Unpaid year off break to become family member full time carer - Need to either go back to work at end of next month, start of July or leave - Application for Transfer was turned down   - Letter to go in this week with a application form to request change of contract, hrs, days so that I can look after family member - change requested will be work mon, tues, wed but not more than 13.5hrs or 14, then breaks deducted to stay within legal earnings limit as carers allowance is recieved - it is not possible to work thur, fri sat, sun due to care needs and travelling for adult disabled family member   ok; Ive done a bit of digging, I can send application  for reduction of the hrs and contract which i think the govt said I can legally do. Doesnt mean the company has to be bound legally by it. It may be that it isnt suitible and there for ask me to resign. Or they may agree! Or terminate my employment. But as I am a full time family carer for a family member within the same household, I should have a good case to argue.    Does anyone have any further knowledge or experince of this to advice me, what legal or other rights, but if I quit or asked to quit, would claiming benefits as such be suspended for quiting a job, thanks    
    • I’m looking for some guidance please. I’ve been reading up but am stuck on what I should do and going round in circles now.   Trying to manage my own DMP and making a mess of it I think.   My income is £1015 per month Essential outgoings: factor fee £93 pet insurance £81 (giant breed so quite costly) TV licence £13.37 Groceries for 3 adults and giant breed dog £309 Council Tax £111 Internet £36 Electric £59 No water/gas/car Public transport £30 Gifts £15 Mobiles £6 Debt to family £42 Saving £0 Leftover £220 (for creditors) Actual Original Total Due to Creditors £600 (pro rata started) So I’ve started negotiating pro rata payments while still trying to keep credit cards going for future emergencies (they are maxed now but if I can pay them down it releases credit for me to have as a back Up)   It’s all getting worse, I’m struggling, I have depression, my wife has depression and is unwell. Interest on 3 cards is over £100 so not really paying anything off.   I’ve negotiated pro rata on some and I think I’ve gone in too high because I’m really struggling with it, I forgot that when they ask for income expenses they don’t take into account that the factor bill is 3 monthly and therefore I need £279 by May 31st and not £93 as budgeted so already in trouble for month 2. Partner debts: Starling bank overdraft: £400, 2019. Pro rata £14 arrangement to pay, no default.   Tesco Credit Card: £100  started 1/12/2019; defaulted 7/10/20 £5 mth   Virgin Credit Card: £2700 started 14/5/18; defaulted 30/3/21 £5 mth   Marks and Spencer Credit Card: £850 started 18/10/19; defaulted 13/1/21 £5 mth   Nationwide Credit Card: £1500 started 30/4/19; defaulted 28/12/20 £5 mth   Barclaycard CC: £1400 (PRA group purchased it) started 25/8/18; defaulted 16/7/20 £5 mth.    Aqua Credit Card: £3900 (now with Cabot Financial) started 3/12/18;  defaulted 12/11/20 £5mth   Aqua Loan: £1700 (now with Link Financial) started 28/9/19; defaulted 2/2/2021 £5 mth   My Debts:   Monzo Loan:  £1900 October 2021 – permanent pro rata £39 agreed, not defaulted    Likely Loans: £1500 December 2021 – temp £14 pro rata, not defaulted    Monzo overdraft: varies up to £750  - temp £10 pro rata   Monzo Flex: £900 December 2021 – temp £11 pro rata   Fluid Credit Card: £1500 July 2021 (on a holiday until August) £0    Capital One Credit Card: £700 £40 mth (up to date)   Amazon Credit card: £2450 November 2021 £75 mth (up to date)   Next: £56 December 2021,  £5 mth (up to date)   My dilemma is I can’t pay the factor bill and have maxed my cards.   I wonder about going on a payment holiday with Amazon and Capital One and then negotiate pro rata using a part of the £220 left for creditors in time, so keeping the pro rata proportional.   In August my Fluid holiday ends and they want £80.   I’m not getting hassled by any creditors and prefer an option that keeps it that way but last night seriously thought should I stop paying all of some of them.   Thanks  Stuckfast    
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Lloyds TSB/Moorcroft/Midas - now cabot


huppelkutje
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Thank you for the links.

It seems like court action is the very last resort so I will give them an extra week before I fill the claim out.

Some people have done well at court but others look like they had a pretty rough time.

 

Wescot sent a letter to my mum yesterday but to the wrong address.

It went to a business across the street, saying

"We are attempting to contact Huppelkutje's mum and have been provided this address.

If you are the person named above please call 0844 824 1151 blah blah blah.

You should also contact us if this is not correct so we can update our details etc.

If you do not contact us by such and such a date we will assume the contact information is correct".

 

Pretty angry about this.

Can I report them?

They also rang her yesterday wanting her to confirm details such as date of birth etc but she told them to take a hike.

Edited by dx100uk
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:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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yes complain!!!!!!!

 

oft/ico/ts whoever you can

via consumerdirect site

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 7 years later...

I think Cabot Financial, Global Debt Recovery and Search Squad are the same company.

 

My mother received a letter from SS and called them, thinking it was related to a family tree search.

 

Luckily she withheld her number before calling them, but unfortunately the letters from GDR and Cabot have now started appearing :doh:

:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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Theyre not.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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they are all part of the cabot group.

 

nothing to worry about.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I wasn't going to make a post as I've prepared an SB letter which is ready to send, but the more I read about backdoor CCJ's the more uneasy I feel!

 

My mother received a letter from Search Squad which she thought was related to a family tree search, she called the number (dialling 141 first!).

Turns out that a company called Global Debt Recovery wanted to get in touch about a debt.

 

My mum was sure that this must be a mistake so she called GDR.

She didn't admit any liability and didn't give her phone number but the guy said she'd be receiving a letter from GDR with details.

He said the debt was from 1998 to 2010 and was originally taken out in 1995.

 

She received a double-sided letter from Cabot Financial and GDR saying that Cabot own the debt, the OC was Lloyds Banking Group, and Cabot have instructed GDR to recover the debt, of around £1000. She can't remember the debt but she did have financial difficulties many years ago (I helped her get PPI back after she'd been well and truly fleeced by Lloyds/TSB for credit card and loan fees).

 

I helped check her credit file with Experian, Equifax and Callcredit; there are no debts showing for the last 6 years and no CCJ's.

I told her to ignore the letter (because I think DCA's are lower than pond life) but her partner is advising her to pay the amount, because he doesn't want to worry about knocks at the door etc.

 

They are in the process of moving to a new house, so the thought of a backdoor CCJ is worrying me.

The original letter from SS went to their new house.

 

I've made an SB letter for her to send, slightly adapted to include that she doesn't recognise the debt, it's not shown on her credit report and so it must be SB or it belongs to someone else.

 

I'd already setup a Royal Mail redirection from her old address, but what's to stop a DCA that have bought a debt from YEARS ago sending a claim form to her previous address in the future?

 

I'm not sure what the best course of action is,

I remember years ago I SAR'd Lloyds/TSB and we did eventually get the paperwork after some stalling tactics.

My mum can't find that now though.

 

Should we make a new SAR to try and find out if her debts have been sold on?

If they're over 6 years old should we then send new address details to the DCA's and then follow up with a SB letter?

 

I've seen in the forum that people are getting letters about 20 year old debts!

My mum is an OAP and she spent years being hounded and threatened by these unsavouries,

I'd really like to get them to back off once and for all.

Edited by dx100uk
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:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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If they are them I gotta remember that. Shows how low Cabot are really going lately.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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an old thread regarding these Lloyds debts merged here for history.

 

so when did she actually stop those payments, as the last post in the old thread now merged here was jan 2012 and its unclear if all payments were stop.

 

and what one of the various debts with Lloyds is being chased?

can you match up the ref no. or await their letter before you do anything please.

 

and just to be 1000% sure she has not moved since 2012 or whenever her last payments/comms with Lloyds were

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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My mum actually can't remember exactly when she stopped paying,

she had a payment plan with Lloyds which was then transferred to the DCA.

 

The DCA kept demanding higher monthly payments and as far as she remembers she stopped paying shortly after receiving the PPI cheque

(which was paid into a new bank account, nothing to do with Lloyds).

 

Her memory isn't great but she thinks the debt might be from an overdraft.

I've tried asking several times but she just can't remember.

 

She hasn't moved since 2012 and has been at the same address for around 30 years.

Is it worth requesting another SAR to find out when the last payments were made,

and if so should this go to Lloyds or the DCA?

Edited by dx100uk
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:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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thank you.

I was already thinking it was the OD account,

these are always the most likely candidate fleecing bottom feeding DCA's try to [email protected] people over as there is never any signed paperwork like with regards to loans or credit cards.

 

pers i'd do nothing.

 

sb is last payment to anyone, thoufg on an OD it can wary a wee bit from that date.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Okey dokey, thanks for the info.

 

The reason I'm worried is that she WILL be moving house this year,

a DCA could send a claim form to the old address at anytime in the future and we might miss the letter.

 

We know that Cabot own this debt

I thought sending a SB letter would stop the possibility of any further action

(I've seen on this forum that DCA's will be happily writing about one debt to someone's new address and still send a claim form for a different debt to their old address!)

Edited by dx100uk
spacing

:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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i'd let it run.

you've a year to deal with the move issue yet

information gathered or letters received could change things in the meantime .

 

important thing is to check ref numbers carefully with old letters see if you can get a match to if it IS the old OD.

 

if so and it being that old..

she probably did sign a facility document with Lloyds for the OD

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Sorry, do you mean she probably DID or DIDN'T sign for the OD? I'm wondering what the relevance of that is (I think I read something about post 2004 agreements being signed online with a checkbox, is that what you're referring to?)

:whoo:Officially debt free October 2011 after 10 years 11 months :whoo:

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history of the account

you can always sar again if you've lost the old stuff from the sar years ago.

depends when she first had an OD.

I know early Lloyds bank account [ this was from 1995 I think yo said earlier] but when the OD was is another matter, but I expect it was formal and agreed some years later.

 

odds on though even if they could do court, we rarely lose OD claims, certainly not one of this age.

 

the other way is to send them our SB letter and let them prove otherwise, but then you cant check they are not lying..and believe me on OD's cabot do ..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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