Hi,

All the debts are credit card debts.

Had an offer of 85% off a £10914 debt owned by Equi Debt but didn't have the money, think they sold the debt on to Cabot.

That was 4 years ago,

Can these people take me to court & get a CCJ against me?

Also an offer of 25% off from Allied International

Hi

Equidebt went bust I believe so the debts were sold. To the best of my knowledge Robinson Way do not buy debts but their parent company Hoist do .

You have done nothing wrong in trying to pay your debts although maybe the choice of management company was not the best, can I ask how much you were paying to them to pay £1 a month to all your creditors?

The CCA request is the best move you can make , its up to you if you continue to pay until they either provide a compliant copy or tell you that they can not . If you need an easier life the £6 a month may be worth it .

The dangers are that they could try to get a ccj against you and if successful they could try to secure it against your home although getting an order for sale isn't going to happen .

If it were me, just to keep to the arrangement i would be paying this months and maybe next but if they do not come up with the goods then stop.

Even if they can not come up they will write to you and say that you still owe the money, that is true but what they can't do is get a judgement against you IF you defend it.

Just received 2 replies to my CCA requests from Cabot .

The first letter states that LLoyds TSB are unlikely to be able to provide the requested documentation.

Therefore I can confirm that Cabot have taken the decision to no longer pursue collection of this account unless information is obtained in the future.

The second letter is a bit more worrying as it refers to current account debt for £ 10864 with the woolwich,

returning my £1 stating that there is no need to provide a copy of the credit card agreement as it does not apply

they also say they sent me a letter of assignment dated 9 Aug 2013 which is sufficient evidence to justify their ownership of this account.

To the best of my knowledge I have never had a current account with overdraft facilities with the Woolwich.

Where do I go from here?

Letters

Hi

Well that is good news (ish)

Keep hold of that letter about no CCA

Just to clarify

You have not had a claim have you?

The woowich account or whatever it is, do you have any idea what it is for?

Hi Fletch70.

what is a claim?

I have no idea what the woolwich account is for don't recall any statements or cheque book etc

Keep the first letter safe,

You are sending a SAR to your DMC I think

I think a SAR to barclays (who bought Woolwich) might be in order but I think you need to send a prove it letter to cabot in the guise of a formal complaint.

tell them that your finances were being delt with by a debt management company

however upon reviewing the situation you have no knowledge of any current account with Woolwich

or related bank and thus need them to prove it exists.

Does the reference number look like a current account?

I don't usually ask this but is there any mention of this on your credit file,

it might give you an indication as to the type of account

Yes SAR on its way to DMC today.

Will SAR Barclays also send letter of complaint To Cabot (could you point me in the direction of a template please)

The account number is 12 digits so I guess it does.

dca section of the library

Thanks,

Just traced the account referred to by Cabot as a current account amount owing £10,864 (please see posted letter).

The account was in fact a Select personal loan issued by the Woolwich on 18/05/99.

Before being owned by Cabot it was owned by Equidebt who offered me a settlement of 85% off before passing it on to Cabot.

The account was never to my best knowledge a current account as it is now being referred to by Cabot.

Would appreciate advice on how best to deal with this one,

Thanks all for your help so far

85% Discount?!?!?!?!? Well erm... If it was a Loan then it IS applicable to the CCA Request. You can play this one of 2 ways...

Resubmit the request accordingly, but you'll have to be careful to not acknowledge the account.

Or tell them that until they supply a CCA as you have never held a current account with Woolwich then no payment or anything else...

Or you could just ignore them...

Thanks, will give it some thought

well it'll be statute barred whatever it is.

pers I'd ignore them until/unless they issue a claimform

then the SB defence will kill it dead

dx

I don't think it is statute barred as the Op has been paying in a debt management plan. There was a case or two recently about the M&S reserve account that was not a current account.

For now I would send them a prove it letter saying you never held a current account with Woolwich. just watch out for any further letters

sorry yes was on a small screen.

I think its time for an sar to the original creditor too if one is not already running.

might be better to start a new thread for each debt too.

is this the one with the massive discount?

dx

Dx

As far as I know yes it is the bug discount and desktop is going to sar Barclays. They are Woolwich now aren't they.

From my experience with Barclays they will have lost all details.

yep what we're both hoping

would interesting to see when the last payment to Woolwich was and when the fleecers got the op paying them?

poss 6yrs gap?]

I doubt it but who knows. Let's see what the OP has to say.

well 1999 raised my eyebrows.

and if I remember rightly

equidebt only dealt in statute barred bad debt hoping to spoof the mugs they wrote too.

dx

I don't know about equidebt they had a pdl of mine. Certainly not SB but they didn't get anything off me.

Thanks, Prove it letter sent to Cabot.

If I start a new thread on this one how will those helping me access all the history?

Had been using the DMC since 2000

Yes this is the Equidebt one with the 85% offered discount, before it was sold on to Cabot in 2013. Equidebt also referred to it as a current account

Reluctant at this time to send SAR to Barclays as I have a credit card with them

sar wont hurt you

relevant posts concerning this debt can be easily moved for you

most dmc's only do plans for5yrs ish

if you've been with them for +15yrs

99% most the accounts will prove to be cash cowing.

and you'll prob find

the people behind the DMC were/are ex personnel of DCA's that are/were being paid

the DMC would have been building an F&F pot for 15yrs

wheres that money gone..bet I know...

Sent a prove it letter to Cabot today Re their claim that my debt is a current account.

Have since found letter from the Woolwich dated March 2003 giving notice of assignment of the debt to Equifax ltd.

The description they use is ' Your Woolwich plc Personal Loan account'.

No mention of a current account.

Can this letter help or hinder my case?

Have started a new thread for this one titled 'Credit card debt. Cabot type of debt disputed'. Would be helpful if someone could transfer relevant details over please

Thanks

Woops, thought I started a new thread but can't find it. Will try again later