Hi Letter received from Cabot confirming receipt of CCA and that they don't have documents so have requested them and they should be able to reply within 40 days. Should I do anything now? Thanks as always

No - has been 10 working days. It's just that they seem to sending these every month now but it is just a statement.

Hi. So, I haven't had a reply. Just a statement confirming how much owed which is exactly a month after the last statement. Should I do anything? Regards Andrew

Thank you. I have sent a CCA request a week ago and no reply as yet. Will update when I get a reply.

Hi. Thank you. Sorry but what good would that do? They have already sent me a bad copy of the agreement (copy of copy) and confirmed that they believe it to be enforceable. I haven't had DOA, current terms and conditions or current statement. I have also had no threat of legal action. I 'm sorry for stupid questions. Thanks. So I should just ignore?

yes but I don't know how long it will take Cabot to go through court process if they decide to do so and whether I should send anything to them now?

Last payment was Jan 12. Thank you for your reply. December 12 was CCA to Westcot and they acknowledged request but never sent docs.

Hi I'm desperately seeking help please. Ex wife and me took out a loan with Sainsburys Bank in 2008. It was for her failed business but as she was self employed and I had a good credit rating, we took it out in joint names. We divorced in 2011 and she was supposed to carry on making the payments as she had the better income. Defaulted in Jan 2012 and nothing has been paid since then. Was disputed formally in December 2012 by me - wrote to Westcot who said they would provide agreement and never did (I have that letter - their account was placed on hold until the agreement was sent and they never sent it). Fast forward 4 years - October 2016. I received a letter from Sainsburys advising they had sold loan to Cabot. Also received a letter from Cabot asking me to make contact with them. Wrote back to Cabot advising loan was in dispute and they have provided a v poor copy of agreement (photocopy of photocopy) and historic statement of account. Both Sainsburys and Cabot have now written to me to say they think agreement is enforceable and Cabot have just sent me a further letter asking me to call them. Ex wife has just buried her head in the sand and although she is the one with money, she is ignoring all this. I work for a bank so have never had problems like this before. What should I do now? My credit file just shows one default to Cabot dated Jan 2012 Any advice would be great Thank you so much

Thank you. Is there anything I should do now then? One other thing, presume my credit hisotiry is destroyed now as HSBC have 'defaulted' overdraft.Thank you.

Her father has passed away. have no dialogue with her mother at all and ex just flatly refuses to communcicate. She takes contracts etc out in current partmers name so quite clever at playing the system (as he has a different address so phone is in his name etc). None of which helps me!

Thank you. Car loan - For her car but in my name (she was self employed at the time). Sainsburys and HSBC Overdraft in both names. Loans are unsecured. Both date back to 2008 - her car loan will be cleared 2013 (up tp date). Sainsburys is 2015 expiry. Wescot and their solicitors are acting on behalf of Sainsburys with an outstanding balance of £13500 (they have offered a reduction already). I asked for copy loan agreements etc from them which they said, in their letter dated 18 October 2012 that they had requested from Sainsburys. To date I havent received (dont they hve to do within a certain time)HSBC have told me (as we have mortgage and I have a credit card with them - both up to date) that they have sold debt to Moorcroft. Moorcroft have sent a letter to ex and myself at my address trying to contact me (first I have heard from them). I have replied in letter (not signed) advising that ex doesnt live there and asking for copies of all correspondence and proof that I owe them anything. I used to work for HSBC and had an excellent credit history but ended up renting due to break up. ex is still not communicating - wont with anyone. She is burying her head in the sand as she (and the children) have a house. Her view is it doesnt matter to her if she gets a CCJ as she already has somewhere to live and wont need credit. Very short sighted I know but she just wont discuss I am 42, never had debt in the past but feel like world is falling in (apologies if that seems an over reaction).

Thank you so much for helping me.

Hi Im new to this so please forgive me if I have done something wrong. In a nutshell, I had a very bitter marital split 2 years ago and ex wife (who lives with our 3 children) has stayed in the marital home (which is in joint names). We had a joint loan with Sainsburys Bank which has 13k outstanding and a Bank Account with HSBC which is £800 overdrawn. I have always had a good credit history before but HSBC have transferred their debt to Moorcroft (ex-wife didnt tell me about arrears letters - my fault as well as didnt change address) and have been chased by 2 different debt collection agencies for Sainsburys loan. Monthly repayments on that are £270 per month and with maintenance and a historic car loan for her car which I am still paying at £230 per month, I cant afford to meet Sainsburys loan on my own. Ex wife refuses to communicate with me and wont take any responsibility. I know we are both liable but do I have any other options as cant afford to clear all this on my own? Thank you so much for reading and giving advice.