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helpmenow

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  1. everythings working fine when i use the lap top but for some reason my pc will not connect to the hub using a wireless connection, it will only do it with the erthernet plugged in, keeps saying i'm getting my key wrong or theres a problem with my computer. The fun never ends......
  2. We have had another letter this morning from cabot. "this is your last opportunity to agree a suitable repayment plan, before we move your account to our Pre Litigation Department ..." Does this mean they are taking us to court? They havent given me any of the information that I have asked for yet and I haven't got in touch with Trading Standards yet either. My baby is due next month so I am worried, should I be doing anything?
  3. No I don't, I have been told that it was in one of the leaflets that comes with all the paper work and I have also had a look on a link from this site and it does say that when I arranged my mortgage the fee was at £175 so it looks like I'll have to pay it. It does get on my nerves though as apparently it only costs them around £30 to pass on a mortgage!
  4. Hi, Not a massive problem I know, but I was wondering if anyone knew whether I have to pay a charge for changing who my mortgage is with? I am currently changing my mortgage from the Halifax who have said I will have to pay a leaving fee of £175. It is nothing to do with release of deeds and my fix rate period ended in Jan, When I was told that if I stopped with them for another fixed term I wouldn't be charged next time, I started to wonder whether this was a fee that I didn't really have to pay if I said I was unhappy about it. When I asked them for a break down of costs for this £175 I was sent a snotty letter saying that it was in the small print when I originally signed for the mortgage and nothing else. Can I do anything?
  5. okay Cabot must be truly stupid or something. I have had two letters since my last post from them, the first dated 24/01/08 saying that they are willing to offer a 40% discount of the amount owed if we pay in 10 days or they may issue proceedings. We ignored this and sent the letter by curlyben 14/01/08. We have had a reply to this letter today- it is exactly the same letter that they sent before dated 11/01/08 saying that it is not statute barred (see my post on 14/01/08) They have not done anything asked of them in my letter, shall I just ignore them or what shall I do? Thank you so much for your advice and help.
  6. We have had a reply from a statute barred letter sent. Here it goes, "You've stated that your outstanding balance is statute barred because the cause of action in this matter began more than six years ago. A default notice for this account was issued by Associates on 14 june 2002 and as a result the limitation period runs from that date. Therefore our right to recover the outstanding balance on this account is not statute barred and we can take action through the courts to recover the outstanding balance, including all interest accrued since 14 June 2002. We recommend you contact us. bla bla"" What do you all think? I know that from credit reports it does say the date of default as 14/6/02 but I know that no action/payment was made way before that from when it was taken out 09/01. It doesnt even look like they know who the orginal lender was. Please can anyone tell us what we should do next?
  7. Hello again, Does anyone know whether it is true that even if a debt is classed as Statute Barred, Cabot or anyone else recovering debt can keep updating your credit reports with defaults every six years so it is never wiped off enless you do something about it?
  8. Thankyou for your help I have started a thread,now that I have figured out how to do it!
  9. please tell me we have not ruined it by speaking to them on the phone today.We didnt agree any payments but confirmed who we are etc
  10. Sorry I need help again. Found a credit report from 2005 that says the account was started 31/08/2001 defaulted 14/06/02 doesnt look like any payments have been made from the start.Is it six years from opening or from default to claim statute barred? Please note that we are not trying to get out of paying the debt itself but the interest they have charged, admittedly it would be lovely not to have to pay anything if they have left it too late, but what can we do about the interest if they haven't? thanks again.
  11. Thankyou so much for your quick replies as we have been very worried. They actually said they had charged him 96p per day not 69p per day ( Not that it matters much but it sounds just a little worse) I will have a read at the information you have directed me too and see what we can do.
  12. A letter arrived today saying someone was coming to our house from Cabot Financial. My partner rang them and they said he owed them £2300 from a defaulted credit account in 2001. We have never heard anything about this before, we have been told they have charged him 69p per day since they took over the account in 2002. Are they allowed to do this? is there anything we can do? please help.
  13. My boyfriend has recieved a letter today from Cabot Financial saying that they are coming too our home. He rang them and they informed him that he owed £2300 on a credit card account from 2001. They said they had been charging him 96p interest from the date he defaulted in 2002 which is also when they had taken over the debt. He was under the impression that his ex partner had settled the account in 2001 and we have heard nothing about this until today. We are very worried as an old credit report states that the orginal balance was £1200 and the debt is only in his name. Can anyone offer any advice as to whether we have to pay the full amount or whether we can take this further.
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