I apologise in advance if any of this sounds unapologetic or lazy, I just want to give the basic details. Have been scouring through the Internet the last few days and this is what I thought might be best to do.

I have three defaulted accounts:

Cabot Financial (used to be a lloyds TSB credit card, think it was sold but not sure): 1164

Default on credit report: sept 2014 (I haven't paid anything since July 2011 although I have no proof for this. I know because I opened a HSBC account around this date and decided not to touch the account again)

They have been writing letters and making phone calls for the last couple of years and I have been ignoring..last week I had a home visit from fidelite credit management, told him the person he's asking for has moved out and he left me a letter to pass on about a first visit

lloyds TSB current account overdraft: 1199

Default on credit report: Nov 2015

(Accidentally had a bank transfer to the account August 2013 - not touched the account since - never updated address with them so not sure if they have been contacting)

NatWest current account overdraft: 1095

Default on credit report: Feb 2013

(The last time the balance changed was November 2012 - so this default date seems correct - again did not update address with them)

Wrote out a paragraph about my personal situation but realised may not be relevant?

Have been burying my head in the sand but after a home visit from the debt collector last week I cannot do it anymore. Please help.

dca's

be them

by letter

on the phone

or

at your door

are totally powerless they are NOT BAILIFFS

you shouldn't even speak to them

Have been reading around the forum. Is my next step to request a CCA from Cabot?

so this is for the LLoyds credit card they are calling?

yes.

retitled and moved to the Lloyds forum.

if you've paid nowt since july 2011

its very close to being statute barred

pers i'd be ignoring them.

unless/if you get a claimform

no point in entering into stupid letter tennis

can I just check one final point

have you moved since taking this card out?

Thanks for responding.

I took the card out whilst living with parents,

then moved out and had address changed.

Moved back to parents address a couple of years ago and did not update address

so not sure how they know.

They started sending letters pretty much straight away after I moved back.

ah ok so officially you've not written to then informing them of your correct address?

Did no such thing!

ok well sadly you need to then

else they could quite rightly get a backdoor CCJ using the old address and you'd know nothing about it.

send them a CCA request

that will hit two birds..

one put them to strict proof they hold enforceable paperwork

two officially inform them of your correct address

read ALL of the CCA request link posts

and do NOT sign the letter

possibly but I wouldn't ever rely upon that

legally you've not informed them

and a doorstepper asking at that address receiving a moved out might also be used against you in that sense,

i'd do the CCa to be 100% sure they know

thank you for your help :-)

I have some more questions

I was digging out some old letters to get a reference number for the CCA and came across letters from Wescot about the other Lloyds defaulted account (a current account overdraft) which are from last year September. Should I write to them also about an address change? I feel concerned that I will be opening a can of worms and not know how to deal with it.

Wetcloths don't own debts

They chase

Who is their client?

Their client is lloyds. I have a current account which was overdrawn. From my initial post:

lloyds TSB current account overdraft: 1199

Default on credit report: Nov 2015

(Accidentally had a bank transfer to the account August 2013 - not touched the account since - never updated address with them so not sure if they have been contacting)

its not been sold then

leave alone

keep checking cra file

to see if it gets sold on

Do u mean my credit report? Thanks dx100uk !

yep some stupid has made CRA pop up consumer right act...

One more question: should I send the cca to fidelite credit management or Cabot financial ?

whoever is listed as snotscrawls [fedelity old name] client

Hi,

Sent a CCA to cabot end of April. They acknowledged it and said they would respond within 40 days. No response yet. Should I be doing anything else?

Cabot know that 12+ 2 days no CCA sent to you cas unenforceable until they do send a enforceable/unenforceable copy, 40 days they know it is for a SAR request deadline, they are the pits of an organisation who flaunt the law and as usual regulators are spineless over paid kindergarten material

you now ignore them

and thank yourself you didn't get fleeced

now do the same with any other debts you are blindly paying!