Hi Guys,

I am hoping for some help with an issue we are having with CABOT.

My husband recieved a letter about 2 years ago from Cabot stating he owed an outstanding debt to them for a monument card which was taken out in 2002 in his name. (We never got together until 2006 and he lived on his own at the time). After following some advise on this forum we have attempted to tackle this issue with cabot and have disputed this debt and not acknowledged it with them. We also recieved several other debt letters from capital one and O2 and it appears that he has had his ID stolen. We reported this to the police and obtained a crime reference number which we have issued to all companies and cabot are refusing to acknowledge the fact that he is not liable for this debt.

We sent off a CCA request and recieved a reply card (does not look like a credit agreement to me) back from them by way of a credit agreement and the signature is not the same as the one my husband uses on all of his legal documents, additionally it states he was a student. My husband was in and out of hospital that year with ill health that we can prove.

We have been going backwards and forwards with letters and even complained to the ombudsman who has referred the case back to cabot to resolve. The final response from cabot is attached for you to have a look at, as is the reply card they have sent by way of a CCA request. Additionally, they say the account was active until 2006, is this not statute barred now anyway?

Confused and annoyed with these very arrogant people and I would welcome any advise you can offer to assist us in sorting this out.

Thanks Peeps

Hi Loopylass and welcome to CAG

Sorry this went unanswered so long.

The doc'ts you've attached above are too small to read. See this guide and repost the doc'ts so we can see what they say :-

Courtesy of DX100

scan the required letters/agreements/sheets

as a picture[jpg] file

don't forget you can use a mobile phone

or a digital camera too!!

or convert them to .PDF

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

dx