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    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
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defaulted TSB account, sold to Cabot no CCa stopped paying - scotland


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I was checking my credit file.

 

 

I have a default on my file by the TSB dated 2010 and

saying satisfied and that the debt was assigned to Cabot.

 

 

There is also a default by cabot dated 2010 also they update this every month.

 

 

I have been in contact with cabot who can not prove the debt.

 

 

I had been paying £5 a month to the TSB by agreement,

but when cabot bought the debt and could not provide me with a cca I stopped paying the £5 to TSB.

I have not heard from cabot since.

 

What I wanted to know is how long does this all stay on my credit file?

and can Cabot put on a default when the TSB had one on for the same debt and also cabot don't have a cca.

 

Many thanks

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I was checking my credit file. I have a default on my file by the TSB dated 2010 and saying satisfied and that the debt was assigned to Cabot. There is also a default by cabot dated 2010 also they update this every month. I have been in contact with cabot who can not prove the debt. I had been paying £5 a month to the TSB by agreement, but when cabot bought the debt and could not provide me with a cca I stopped paying the £5 to TSB. I have not heard from cabot since.

What I wanted to know is how long does this all stay on my credit file? and can Cabot put on a default when the TSB had one on for the same debt and also cabot don't have a cca.

When did you stop the payments.

 

Many thanks

If the debt has been defaulted it will remain on file for 6 years from the default date.

 

 

It is now customary to have the original creditors entry showing side by side with debt purchasers entry the defaults dates must be the same.

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