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Still_surviving

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  1. Understood....theyve had two grand in twelve months thanks mainly to my brother's (mistaken) good intentions, so I would wager theyve covered what they paid Halifax for the debt The reason I mentioned the two defaults, are that they both show up whenever I visit Clearscore or Credit Karma as being detrimental factors. I guess I should register an error notice (or whatever its called) with Equifax and Transunion Thanks as always for the sage advice
  2. A couple of things to report....apologies for not posting sooner, as been back and forth to docs and hospital..... I realise these should have been raised sooner however the last twelve months have been all over the place following my surgery: (i) I have two defaults on my credit file for the same amount (Halifax and Cabot). When I asked Halifax to remove theirs, they refused and said the issue was with Cabot. When I raised it with Cabot, they took it to mean I was making a formal complaint (I wasnt, but hey go for it) and started the eight week dispute window. (ii) When Cabot took over my debt, I asked for a statement detailing the six months leading up to the date of default, as I did not agree the balance. They said they would have to get it from Halifax, however a year later still nothing. I raised this issue again in October, and once again they triggered the complaints procedure Had a letter today, saying they were having trouble resolving the disputes and it may take longer than the statutory eight weeks. If that is the case can I formally dispute the debt at that point? I ceased payments in September as was recommended here, but anything that makes my position a bit stronger would be welcome. TIA
  3. No dx - same address throughout Im familiar with the whole CCA route having done several, many years ago, but as you say, being a relatively recent online application, I wouldnt hold out much hope. I honestly dont know whether to (i) carry on paying £25 a month for a quiet life and wait for them to notice they arent getting my bros money (not keen on that idea) (ii) cut the money down to £10 or even £1, just in case it did go to court, where I would be perfectly happy to plead my case to a judge and say I could only pay what I was able to (rather than outright stopping) Are Cabot's prone to litigation? Could I use the failure to provide any statement as a reason to at least pause any payments? Edit.....urgh just realised option (ii) would just endlessly reset the SB clock. Sorry, I did say I often dont think straight these days. I will follow your best advice
  4. Sorry dx...I did answer your original question..... April 2017 (definitely by online application)
  5. Thanks - I will dig through my papers and try to find the first few bits of correspndence I received from them
  6. Card was taken out in April 2017. Applied online Im 100% certain I did wonder what would happen to any residual balance. I guess if they got tired chasing it, I couldnt really stop them selling it on to the next bottom-feeder in line Did Cabot buy the debt for pennies in the pound you think, or are they collecting for Halifax? My contempt for the latter is limitless, given their total lack of empathy at the time.
  7. Its been a while since I had to use this site, but having rebuilt my life with the help of wonderful people here, fate dealt me some more bad cards, and things have got messy again having thought to be suffering Long Covid in 2021, my mental health really deteriorated to the point where my brother dragged me to A&E. There I got the news that I actually had a massive brain tumour which was causing all my symptoms. Whilst not cancerous, the consultant said to me (and I quote) "In six months time without surgery, you will only be fit for staring out the window". Needless to say I was admitted for major surgery..... Sorry for the major waffle..... for a long a period of time I didnt know what I was doing and my financial state fell off a cliff. My Halifax card was defaulted in the very month I was having brain tumour surgery, and they wouldn't remove the marker even when given an explanation. The debt was then sold (I presume) to Cabot Unbeknown to me, my kid brother started paying them £125 a month, purely to protect me from any stress upon release from hospital. I know what you are going to say about being a DCA cash cow but he acted with the best of motives and he didn't know the ins and outs of the debt world. I have instructed him to stop paying, but this has upset him and my dear old elderly mum. I can only afford to pay them £25 a month max but I dont want Cabot benefitting from my brothers kind heart. Out of the blue today my mum offered to pay £1000 as a full and final settlement offer. I think that is a lovely gesture, but I think it is too much as she only has her pension and her savings.. however the stress of finding out about this debt has made her unwell - she wants it to go away. What is your very honest opinion on all this? I must confess I dont have the appetite I once did for letter tennis, and I certainly dont want to be hassled on the phone repeatedly. Cabot have apparently been very nice, but then they would be when they are getting £125 a month from someone who isnt the creditor! If £1000 is offered and accepted then about 45% of the original debt would have been repaid. I probably know what you are going to say (dont do it) but please bear in mind my health and circumstances. I would sincerely appreciate your advice....I do have trouble thinking straight these days Thank You
  8. Not 100% sure as its been a while since I worked in the business, but I believe in the event of a total loss, they ask you to settle all outstanding premiums as the insurance on that vehicle has ended for good. Are they asking for the whole premium or pro-rata to date of accident? If your son had fully comp insurance, his insurance company would handle everything inc chasing the third party, however if he had TPFT cover, you will probably end up handling this yourself direct with the other party's insurer.
  9. You need to get other opinions, but its my understanding that product liabilty insurance covers against installed goods being defective and causing damage to property. That ismt the same as a halfwit builder taking a good product and installing it badly imho https://www.simplybusiness.co.uk/insurance/faq/what-is-product-liability-insurance/
  10. Public liability covers damage to members of public by the builders actions....ie tiles fall off roof and hit a member of public Employers liability covers injury to builder and people working for him on site....ie someone falls off a ladder and cant work for 6 months Product Liability Insurance is for where the product being installed is defective in some way....ie he installs a faulty electrical item and it cathes fire Builders Professional Indeminity (quite rare) would cover against his mistakes and omissions Contract Works Insurance covers jobs that are underway and get messed up by outside forces such as fire and flood. Most builders of any repute would probably have 1 and 2, the rest is a maybe Hope this helps....im not an insurance expert, just work for some brokers doing their books etc for 20 years and have heard lots of tales You need to find out what cover he has.
  11. Over 3 years later, my brother has had yet another OPC chase up letter....over 5 years since the original incident Usual threatogram advising to him pay or will consider immediate court action. My initial reaction was to file it with all the others, however he was concerned that the advice on other consumer sites is now not to ignore such letters, and send in a sternly worded letter stating your intention to defend any action etc Seeing as CAG has steered me right on all other matters, and that this is so old it is outside POPLA, I would appreciate some confirmation of correct action Given that it was dark, peeing with rain, he was visiting me and can call me as a witness, surely this one is a load of old bull?
  12. When you sued these people originally, was it definitely a limited company (or PLC or LLP) that you listed as the defendant?
  13. Oh well....did another credit search today and the Cabot/M&S defaulted account is still showing there 12 days after it should have disappeared. I guess its a complaint/request to Cabot asap. Equifax seem to have a labyinth of online menu options to follow before you can get anything done Why is nothing straightforward?
  14. Should the CRAs automatically remove a 6 year+ defaulted debt or do I need to do something myself? Just got an Equifax Report today, and was rather disappointed to see that this M&S Card debt is still showing despite an (incorrect) default date of 30.05.10
  15. Aye - just fancied having an extra string to my bow in case I was to get some demented old judge who accepted the default date on my credit file was the relevant date. Anyway will just wait and see if anything arrives in the post
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