Thank you for your quick response renegadeimp. Where do they get their 40 day limit from then ? Do I need to write back and say they havent complied or anything?

Good Afternoon All, I hope you all had a good xmas and new year. I am just taking time to catch up with things and noted that I had not added that I sent Cabot a CCA request and they acknowledged this on 4th December. It states they have asked HSBC for copies which will include details from the orginal lender, however this is likely to be more than 12 days but less than 40 days. Is this working days or calendar days ? I have still not heard anything back and by my calculations even using the date I received their letter the 40 days would be up 13th Jan. I posted my letter to them on the 25th November. I know it is a long time after my initial enquiry but my other half at first wasnt happy to follow this up. Best Wishes Bex

Thank you all. I'm sorry it is a credit card. In my haste to try and get advice I get a little bit stressed myself. The last payment was about a year ago Can they still notify CRA ? We have spent 2 years getting up to a level of 200+ and we are making some headroom

Afternoon All, I wonder if anyone could offer any advice with my partners issues he is having. He had a credit card with Hsbc that defaulted over 6 1/2 years. He continued to make a number of payments until he got into severe financial difficulty. The default dropped off the CRA reports in February this year He was then notified in June that Hsbc had sold the debt to Cabot Cabot are demanding monies, which we don't have, saying if we do not pay then as they brought the debt they will take him to court, default him again and inform the CRA. There have been a number of people telling him different things about what to do and who/how it can be enforced, however after googling this forum seems to be the best place for common sense. He is at such a low I really need to nip this in the bud if I can. Thanks Bee