Ok, that makes sense to me. I'll send them the SAR and wait patiently for 40 days! In the meantime shall I just ignore Robinsons?

Ok, I'm with you now. I may be being naive but what would submitting a SAR to the original creditor achieve?

I'm also confused why they are suddenly chasing it. It says it has been passed on to them from Cabot - presumably this means sold! It is also accompanied by another letter from Cabot saying they have passed it on.

I know the amount is made up from approx £2020 of spending, then the remaining £100 or so is late payment fees leading up to the default. No other interest has been added and the debt amount has always stuck at the same amount (£2133.20). The letter I received from Robinson Way is the first I have heard from them. It said that Cabot have passed the debt to them as Cabot have been unsuccessful in receiving payment for it. Ultimately what I want to avoid is a CCJ. Shall I ask Robinson Way for the CCA agreement and see what they have to say for themselves? In the past I have also had a letter from Natwest which stated they had sold the debt to Cabot. Not sure if that helps!

Hi Bazooka Boo I took out the card in 2011. From what you say, the default from Cabot shouldn't be on the credit file as there is already a default from Natwest? Apologies if I am being a bit slow to understand. The balance is approx £2133. There are not many charges on the account (relatively speaking and I would safely say these are under £100). I din't have the full history of letters from each DCA. What would you suggest doing as the next step? I would quite like to have the weight of this off my shoulders and could afford a F&F payment of about 50% (gift from relative). But obviously I want to try and restore some normality to my credit file. I've not had any late payments or other defaults apart from this Natwest (and Cabot) one!

Hi I defaulted on a Natwest credit card in 2013. I haven't made any payments to Natwest or any DCA since this. I've had Moorcroft, Wescot, Cabot and now Robinson Way on my back. Natwest have defaulted me on my credit file and I notice that Cabot have also done (using the same default date that Natwest did). I've now recieved a letter from Robinson Way saying that Cabot have passed them the debt. What does this mean and should I send the CCA request? Is there any hope in getting the Cabot default removed as I have never acknowledged the debt in writing to them - the only communication I have had was a couple of loose conversations about a F&F offer (about 35%) which they clearly didn't accept. I also don't want Robinson Way putting a third default (albeit with the same date) for the same debt!! Would appreciate anyones help as how to proceed as it's hard to keep up with. I was prepared to make a full and final offer to Cabot, so am not opposed to making one to this new lot, but am confused why Cabot have defaulted me and then passed the debt on. Thanks