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Kel1702

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  1. Thanks will do. I'll update when I get a response and or letters from Cabot. Thanks for your help it is much appreciated
  2. I don't have statements - they did send me them when the account was active and no doubt will have received penalty fees. I'm not sure about the PPI - i seem to recall cancelling something like that that was on the account when it was active but I'm not 100% sure Since around 2012 I've been paying a nominal monthly amount each month
  3. No I don't. But what would the request help to do in terms of Cabot chasing the debt?
  4. Thanks for the advice . Can I just check the purpose of an SAR I'm confused by the whole process
  5. It's not pre 2007 my mistake it was taken out in 2008 and default was jam 2012
  6. It's a credit card from RBS for £915 I believe is from before 2007 I lost my job and entered into repayment with RBS around 2010/11 I have maintained the small monthly payment and have now received the letter saying they have sold to Cabot in July but I didn't know and made my monthly payment in July and august as normal.
  7. The letter says that it was sold in July and any payments I have made since or continue to will be passed on to Cabot. So have I inadvertently admitted liability?
  8. Thank you. Do I cease payments through the OC in the meantime?
  9. Hi all I've received a letter from RBS saying my debt has been sold to from 3rd July. I had an agreement with RBS to pay which was paid on 13th July and august as I didn't know my debt had been sold on. (I've been paying it in a small monthly payment for years) If I stop payments and 3 letter Cabot - will my monthly payments in July and august go against me as a sign of admitting liability of the outstanding balance? Should I stop payment for September and 3 letter? Or stop payment and wait for more letters? Confused and worried. Thanks
  10. Thanks for replying. I have mentioned it and included a copy In the letter for reconsideration. Time will tell but It seems the outcome is inevitable
  11. Yeah you can .. It's for £311 apparently.
  12. Fingers crossed then! I find it outrageous tbh .. If I can prove I rang them surely that shows their failure and not mine. Talk about a backwards system .. The mind boggles
  13. Thanks for your advice. Ill do that now. Much appreciated.
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