Yes

Hi, It was MBNA originally who I think passed it to a company called Equidebt who then got Weightmans involved all them years ago, was defiantly not Cabot as never heard of them

The company who owned the Debt was Weightmans, now Cabot say they own it ?

Hi All In February 2012 (over 7 years ago) I was taken to court over a large credit card debt which I was unable to pay and the company successfully obtained a CCJ against me (which no loner appears on my credit files). I agreed on the court forms that I could afford to pay £35.00 per month to the company and this was accepted by the court and company who obtained the CCJ, I have been paying the agreed amount with no missed payments since the CCJ was obtained over 7 years ago. For the past few weeks i have been receiving daily calls from a DCA i have never heard of asking me to contact them suddenly Last week, I received a letter from the other Debt Collection Agency stating that they now own the debt and I need to contact them to arrange and set up a payment plan, I have not had any correspondence at all from the original company I was paying and have had no contact from them in over 7 years ? I have written to the original company and have asked them to clarify if they still own the debt, the questions I have are:- If the new company now own the debt as they state, can they make me pay more than I originally agreed to pay monthly and what is affordable to me ? If I can't pay what they want, can they take it back to court and demand more or give me another CCJ ? even though ive already had a CCJ for the debt which has now vanished from my credit files ?? Any advice or guidance would be much appreciated. Thanks

Hi Mantinkr, did you get anywhere with this, in the same situation ?

Thanks Lookin, no haven't received anything and thought it was dead and buried in 2013.

Thanks Dx, company called DLC

Hi All, Need some Advice please from you knowledgeable bunch. Back in Sept 2007 I defaulted and stopped my payments on an Argos Store Card which i had due to financial issues, I had the usual debt collection letters for approx 1 year which i ignored and made no payments on due to not being able to. The default was registered on my Credit File as Nov 2007 and disappeared off my file in Nov 2013, by which time the debt was Statue Barred, During this time no contact was made with any DCA and NO payments were made to the account, and none have been made since. To my shock, last month i received a letter from a DCA stating that the amount was still owed (Approx £1200) and that i should contact them to make payment, I sent them a letter stating that the debt was statue barred since no payments were made since Sept 2007 and no acknowledgement has been made of the debt. They have now written back to me stating that the debt is NOT statue barred, they have confirmed that they have owned the account since 2009 and that in 2010 they claim i made 7 payments of £15, hence taking away the statue of limitations, they have provide a spreadsheet showing the payments and dates of payments. I know for a Fact that i made no payments and have just requested old bank statements from 2010 which prove that i have made no payments equalling these amounts on the dates they have stated. They have not sent any copies of agreements or letters of assignment. Not sure now how to reply to them on this as they state legal action will follow if I don't contact them and arrange payment. Any advice for me please ??? As trying to put my bad past behind me. Thanks

Id wait for them to offer you a 50% reduction !!

I have been a valued member of the AA for the past 2 years with the Maximum family Cover, I have always thought very highly of them and have recommended them to numerous people. Within one day, when my renewal dropped through the door, my perception has totally changed and I am totally shocked at their lack of customer service. My renewal quote was 90% more than I paid last year, initially i thought they had made a mistake and called them, they clarified the price and said this was because my family (with 3 cars) had called them out 10 times over the past year, they would not budge on or reduce the price !! I know for a fact this is wrong as i keep records, i informed the advisor that in fact it was only seven times as a few of the times i had cancelled due to a long wait time for assistance, 2 of the call outs were also within 24 hours as the patrol said nothing was wrong first time ?? I was told to write in with my concerns, An email was immediately sent but they have not even had the courtesy to reply to me. The same cover for a new member is available at half the price i have been quoted, they are insistent on charging loyal customers alot more money. The same cover is also available with competitors at alot cheaper price, dont want to leave them, but feel i have no choice !! What has happened to the AA ???? Not Looking after customers !!!!! Not responding to their emails !!!! VERY POOR - AVOID AT ALL COSTS

Ims / dx - Thanks for the input No idea why they havent chased me, about two months after the house got repossessed, they traced me to my new rented accommodation, I received one letter of a debt company saying that i owed First Plus £43K and that I had 14 days to pay it, obviously i wasn't in a position to pay it, so ignored the letter, one more letter sent about a month later asking to make an arrangement, nothing ever received since. I stayed in that property for another four years and moved last year, no more letters ever received, If they want to trace me im sure they can as my new address is on my CRF. As for my CRF. the loan is still showing in there as in default (being updated monthly) , strange thing is, it says i still owe £80K even though i know £40K from the house sale was paid of it, this figure has not been updated since i was living in the original property, I would love to get this info corrected, but they then might start chasing for an unreasonable repayment plan if i make contact ?

ims21 - Thanks for the reply:- Initial thoughts are the PPI was sold with pressure, the loan being front loaded, only covering for 5 years but now realising it was added to the full 20 year term, hence 20 years of interest ! No questions on existing illnesses or existing life insurance i had etc Regards

Hi, All, after some advice please on PPI, this is a tricky one. Originally took a loan out with First Plus via a broker called DialaLoan in 2002 with all the PPI etc added. In 2005 to pay off some more debts, I then cleared the loan by taking out a new loan direct with First Plus, the new loan obviously had PPI added again. In 2007, the worst possible scenario happened, My partner lost her main job and we fell behind on mortgage payments and First Plus loan payments as we couldn't afford to pay both, We Eventually lost the house as it was reposseed by the main lender. From the Sale of the house, the first mortgage was paid off and the remaining equity of £40K was obviously given to First Plus against my outstanding loan amount of £80K. There is a shortfall of £40K owing on the account which they have never chased me for in the past 5 years. Myself and my partner are in a better position now and want to start paying this amount off, however we would like advice on how to do a PPI reclaim to help reduce the amount we owe. Would they entertain a claim beings we owe them money still ?? What are our first steps ?? Any advice would be appreciated.

Have to say, had a very similar conversation with TXTLOAN, they are very easy to deal with and are helpful and understanding, agreed repayment plan and agreed to no extra charges or interest, wish they were all like this.

Well, Update for you fellow CAGers Sent off my CPR 31.14 request and also a CPR 18 request asking numerous questions. Letter in post from them today stating 'After reviewing my account, they have decided to drop the claim against me and that they have let the court know' Not sure why they have changed their minds ??? Thanks to all of you that have given me the advice and help i needed.