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  1. so I sar step change who arranged the DRO for me as well as crap one. Thanks again. I paid them a token payment up till the DRO was in force january 2017 On looking at two credit reports Equifax and clear score there is no record of a debt with capital one. The file also says it is 61 month since a negative report was filed on my credit file. surely if I still owed anything to capital one after my DRO January 2017 this would have shown. I now intend to send capital one a SAR. Would be grateful for any further actions I need to take thanks again.
  2. Yeah thanks for that I looked at my clearscore file and the capital one debt doesn't show on there. Its funny they have come out after saying nothing for four years I thought they would have to send out a statement of account every six month.
  3. Hello all, As the title states I took out a DRO 4 year ago As I had a long term illness and lost my job. Yesterday I received a letter out of the blue from capital one asking for payment for an account I am sure was included on the DRO I have had no other letters from them since the DRO. I cannot find my DRO papers at the moment due to a house move. My question is can I get in touch with the official receiver for a copy of my DRO, The Dro was organised by step change, thanks for any help you can give me.
  4. people with cars will have to drive around the 5 mile detour. my wife who doesn't drive will have to pay twice as much for the taxi fare. the council in there wisdom removed the bus service.
  5. As the title states my area will be impacted by a road closures, for the instalment of electricity supply to a new housing estate. The road closure will add a further 5 mile on the taxi journey for shopping. No buses are running in my area. I am wheelchair bound my wife goes to the shops 3 or 4 times a week to collect shopping prescriptions etc. The taxi fare will go from £5.80 to £10 due to the extra 5 miles detour. The housing company WHARFDALE HOMES have informed me no compensation will be paid for the extra taxi fare. Just wondered if Anyone has any idea of who I can contact in regard to my problem thanks.
  6. They should follow procedure like they are always telling us lol.
  7. 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.
  8. 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.
  9. £800 No usual £12 charges or other charges. My question is can they sell the debt without the account going into default thanks.
  10. 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
  11. No this is a newer debt with ambrose wilson taken out in 2017 thanks for your help
  12. 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.
  13. No this is going to be my first response and I do not want to telephone them,
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