Reply today from Cabot their letter dated 31 August 2019...we haven't been able to provide you with the information you have requested your credit agreement is unenforceable until we are able to reply to your request. This means we are not permitted to obtain a judgement against you in court. Balance is still outstanding and while we cannot bring legal action against your account we are able to ask you to repay this amount you will still receive letters and calls asking you to pay. Result ? Your advice as usual was invaluable...many thanks...as yet nothing from Robinson Way

Reply today from Cabot their letter dated 31 August 2019... we haven't been able to provide you with the information you have requested your credit agreement is unenforceable until we are able to reply to your request. This means we are not permitted to obtain a judgement against you in court. Balance is still outstanding and while we cannot bring legal action against your account we are able to ask you to repay this amount you will still receive letters and calls asking you to pay. Result ?

Yep.... received letters back from Cabot..they need to contact original lender for copy of credit agreements...this may take some time but will write to me within the next 12 days with an update..Thier letter sent/dated 21August 2019.

CCA requests sent ...received another letter from Mortimer Clarke passing it to Resolve call for doorstep again ...

Ok will do ...CCA from the document downloads that you have previously posted

All token payments were ceased in August 2018... not 6 years ago ...so I will just CCA to all...what if anything will this do...?...I understand that they will not have or be able to provide any documents from this length of time

All these are from approximately 1999...defaulted around the same dates if I recall...I had posted previously under a different name I think ...had to re register under this name... previous name....stevetorro

All these are from approximately 1999...defaulted around the same dates if I recall...I had posted previously under a different name I think ...had to re register under this name... previous name....stevetorro

i see... yes I literally just stopped paying each of my debts the token £1 monthly which I had been doing for years.. .no CCA sent to any of them.. .stopped all token payments August 2018... Robinson Way...HSBC bank credit card...£2920.50 as of November 2018 Robinson Way...ex T Mobile account...£149.98 as of November 2018 Cabot Financial...Barclaycard credit card...£2305.95 as of October 2018 Cabot Financial...Bank of Scotland credit card...£1407.34 as of August 2019. All these are from approximately 1999. ..defaulted around the same dates if I recall. ..I had posted previously under a different name I think . ..had to re register under this name

Hi dx..other debts even though they don't relate to this issue

No letter of claim ..just says I am to reply within 30 days or Cabot will ask Mortimer Clarke to issue court proceedings and then they will ask the court to order a county court judgement against me.

PAPLOC ?

Should I now do this...what about Mortimer Clarke

Hi dx ...no I haven't..just stopped as you suggested..paying them and other debts the £1 per month ..Cabot are the only ones chasing up though

Previously followed information from Dx..and stopped paying £1 per month to Cabot re:Bank of Scotland credit card.. as dx said ..I was being can cowed.. Cabot had offered discounts time and again to settle this outstanding debt ...have had text. .calls and 2 doorstep calls all ignored and now passed to Mortimer Clarke.. checked on the forums and this is not a PAP. .just letter telling me I have 30 days to respond includes statement of account with all payments of £1. ..and documents for me to fill in and return as to whether I owe this debt. .a questionnaire. Info re this debt as follows... Bank of Scotland credit Card Date of agreement 19/10/1999 Date of assignment to current creditor 03/08/2012. What are the next steps if any should I take...