Thanks for this, should I report them to the ombudsman service for acting unlawfully ? and is it just a case of waiting for them to contact me or is there anything else I can do? ,other than stop payments which I have done

That's the point I have CCA'd them and that's the reply I got , originally all I got was a letter saying they had acquired the debt as Equidebt had gone bust, it was only when they started asking me what debt it was? and clutching at straws I got suspicious. Do you think they would be able to provide the CCA I signed though? , it is 18 years ago , and the bank no longer exists and the debt has been passed to a number of DCA's before Equidebt and Cabot? Correct me if I'm wrong, but is it only 5-6 years an original credit agreement has to kept of file anyway? and as Cabot say they haven't got my CCA on file , they should have, and therefore are acting illegally ? Thanks for your great advice it is very much appreciated

Hello , I've had the following reply from Cabot "Thank you for your for your request for information under the consumer credit act 1974.Cabot finance does not currently have this information on file.We have requested the information from the original lender.We anticipate this will take 40 days , in the event we are unable to obtain the information in that time ,we will write to you" 'It has come a couple of day's before the 12+2 rules runs out - Is this just them buying time ? having read the reply am I right in thinking the account will still effectively be in dispute? If so thanks Also are Cabot breaking the law and obtaining money from me, without a signed agreement in their possession , the letter clearly states they don't an agreement ? As I previously posted they don't have a clue what the debt, if it is my actual debt, is for! my original debt had been passed around 4/5 dca's before it ended up at equidebt prior to Cabot and the original source is no longer in business. What can I or should I do now ? ask for a refund of monies paid to them ? any advice appreciated

Hello, thanks for the advice , the original debt was not a home loan and it's the only debt I have Just one question what happens what the 12+2 days is over and the account is in dispute ? Do I need to go to the ombudsman ? what likely action will cabot take ?

Hi, I'm new on here and any advice would be great, here's the situation About 16 years ago I took out a consolidation loan with a UK bank, that no longer exists, for some existing debt I had, however, over the next few years I ran into problems making the re-payments due to my circumstances drastically changing. Eventually my loan was passed from DCA to DCA and I was making payments regularly whilst I sorted my self out. A couple of years ago my debt was passed to Equidebt, during which time I became ill and my wife took over the management of payments, which remained regular every month. We then got a letter off Cabot saying that they had purchased the debt as Equidebt had gone bust and told me to kee p making payments which we did. Occasionally we would get a 6 monthly phone call off them and they would try to get a financial statement off me. All this is pretty much run of the mill stuff as I'm not trying to avoid the debt I have or now thought I had . However over the last few weeks I've had reason to question that I even have a debt with Cabot financial because I have received phone calls inquiring about my Equidebt credit card debt, which the original debt was certainly not, and in the same breath the Cabot rep then said" well is it a Santander credit card or loan" ! Clutching at straws As this stage I told them that they should have all that information if I did have a debt with them and I certainly wasn't going to tell them over the phone, because they did have clue what the debt was and if it was actually mine, I asked them to supply my original CCA that I signed, I have still not received it 8 working days later they have been ringing me since but I've not been in when they have called. I'm now worried that the debt they are chasing in my name is not mine and worse still i'm expecting somebody to come after the original debt. What should i do ? I know they can't force me to complete an income and expenditure form. I know they can't enforce the debt in a court without a signed CCA I have been paying regular monthly payments - so my debt won't be statute barred. Should I write to Cabot for a copy of my CCA, if they have one ? I read loads about people having problems with Cabot, and some are suggesting only to deal with them in writing ? If I do request a CCA , and they don't reply , what do I do next ? what will they do ? Should I stop making payments ? Any advice would be welcome