And here's the link the the court action I mentioned above

ims

http://www.consumeractiongroup.co.uk/forum/showthread.php?208966-Me-and-Them-SAR-non-compliance-claim.-**SUCCESS

Thank you for the links.

It seems like court action is the very last resort so I will give them an extra week before I fill the claim out.

Some people have done well at court but others look like they had a pretty rough time.

Wescot sent a letter to my mum yesterday but to the wrong address.

It went to a business across the street, saying

"We are attempting to contact Huppelkutje's mum and have been provided this address.

If you are the person named above please call 0844 824 1151 blah blah blah.

You should also contact us if this is not correct so we can update our details etc.

If you do not contact us by such and such a date we will assume the contact information is correct".

Pretty angry about this.

Can I report them?

They also rang her yesterday wanting her to confirm details such as date of birth etc but she told them to take a hike.

yes complain!!!!!!!

oft/ico/ts whoever you can

via consumerdirect site

dx

I think Cabot Financial, Global Debt Recovery and Search Squad are the same company.

My mother received a letter from SS and called them, thinking it was related to a family tree search.

Luckily she withheld her number before calling them, but unfortunately the letters from GDR and Cabot have now started appearing

Theyre not.

Ok. Well the last letter that arrived was a single sheet, printed on both sides with one side from Cabot and the other from GDR.

they are all part of the cabot group.

nothing to worry about.

I wasn't going to make a post as I've prepared an SB letter which is ready to send, but the more I read about backdoor CCJ's the more uneasy I feel!

My mother received a letter from Search Squad which she thought was related to a family tree search, she called the number (dialling 141 first!).

Turns out that a company called Global Debt Recovery wanted to get in touch about a debt.

My mum was sure that this must be a mistake so she called GDR.

She didn't admit any liability and didn't give her phone number but the guy said she'd be receiving a letter from GDR with details.

He said the debt was from 1998 to 2010 and was originally taken out in 1995.

She received a double-sided letter from Cabot Financial and GDR saying that Cabot own the debt, the OC was Lloyds Banking Group, and Cabot have instructed GDR to recover the debt, of around £1000. She can't remember the debt but she did have financial difficulties many years ago (I helped her get PPI back after she'd been well and truly fleeced by Lloyds/TSB for credit card and loan fees).

I helped check her credit file with Experian, Equifax and Callcredit; there are no debts showing for the last 6 years and no CCJ's.

I told her to ignore the letter (because I think DCA's are lower than pond life) but her partner is advising her to pay the amount, because he doesn't want to worry about knocks at the door etc.

They are in the process of moving to a new house, so the thought of a backdoor CCJ is worrying me.

The original letter from SS went to their new house.

I've made an SB letter for her to send, slightly adapted to include that she doesn't recognise the debt, it's not shown on her credit report and so it must be SB or it belongs to someone else.

I'd already setup a Royal Mail redirection from her old address, but what's to stop a DCA that have bought a debt from YEARS ago sending a claim form to her previous address in the future?

I'm not sure what the best course of action is,

I remember years ago I SAR'd Lloyds/TSB and we did eventually get the paperwork after some stalling tactics.

My mum can't find that now though.

Should we make a new SAR to try and find out if her debts have been sold on?

If they're over 6 years old should we then send new address details to the DCA's and then follow up with a SB letter?

I've seen in the forum that people are getting letters about 20 year old debts!

My mum is an OAP and she spent years being hounded and threatened by these unsavouries,

I'd really like to get them to back off once and for all.

If they are them I gotta remember that. Shows how low Cabot are really going lately.

an old thread regarding these Lloyds debts merged here for history.

so when did she actually stop those payments, as the last post in the old thread now merged here was jan 2012 and its unclear if all payments were stop.

and what one of the various debts with Lloyds is being chased?

can you match up the ref no. or await their letter before you do anything please.

and just to be 1000% sure she has not moved since 2012 or whenever her last payments/comms with Lloyds were

My mum actually can't remember exactly when she stopped paying,

she had a payment plan with Lloyds which was then transferred to the DCA.

The DCA kept demanding higher monthly payments and as far as she remembers she stopped paying shortly after receiving the PPI cheque

(which was paid into a new bank account, nothing to do with Lloyds).

Her memory isn't great but she thinks the debt might be from an overdraft.

I've tried asking several times but she just can't remember.

She hasn't moved since 2012 and has been at the same address for around 30 years.

Is it worth requesting another SAR to find out when the last payments were made,

and if so should this go to Lloyds or the DCA?

I forgot to ask, is it the last date of payments to the DCA or the last date of payments to Lloyds that determines the statute barred date?

thank you.

I was already thinking it was the OD account,

these are always the most likely candidate fleecing bottom feeding DCA's try to sc@m people over as there is never any signed paperwork like with regards to loans or credit cards.

pers i'd do nothing.

sb is last payment to anyone, thoufg on an OD it can wary a wee bit from that date.

Okey dokey, thanks for the info.

The reason I'm worried is that she WILL be moving house this year,

a DCA could send a claim form to the old address at anytime in the future and we might miss the letter.

We know that Cabot own this debt

I thought sending a SB letter would stop the possibility of any further action

(I've seen on this forum that DCA's will be happily writing about one debt to someone's new address and still send a claim form for a different debt to their old address!)

i'd let it run.

you've a year to deal with the move issue yet

information gathered or letters received could change things in the meantime .

important thing is to check ref numbers carefully with old letters see if you can get a match to if it IS the old OD.

if so and it being that old..

she probably did sign a facility document with Lloyds for the OD

Sorry, do you mean she probably DID or DIDN'T sign for the OD? I'm wondering what the relevance of that is (I think I read something about post 2004 agreements being signed online with a checkbox, is that what you're referring to?)

history of the account

you can always sar again if you've lost the old stuff from the sar years ago.

depends when she first had an OD.

I know early Lloyds bank account [ this was from 1995 I think yo said earlier] but when the OD was is another matter, but I expect it was formal and agreed some years later.

odds on though even if they could do court, we rarely lose OD claims, certainly not one of this age.

the other way is to send them our SB letter and let them prove otherwise, but then you cant check they are not lying..and believe me on OD's cabot do ..