Many thanks for the quick reply - I'll look into this now. Thank you

Letters sent - I'll post updates in the next few weeks hopefully. Thank you for links and advice.

Hi

My father has just received 2 letters today (21st September).

One from Cabot - Their letter is dated the 14th September 2017 and electronically post marked. We sent the letters on the 6th with proof of postage. The letter is attached but the first line states "We currently do not have this information on file".

Please inform me what letter I should reply with for my father.

The next is from Mint. There is no date attached but is electronically post marked.

The only information given to my father are all his statements over the last 12 years. There is no letter attached - only statements.

Again, I would be extremely grateful for what I should do next.

Thank you in advance

C

https://imgur.com/zBir2xS

pity photobucket will not let us see it

Cant understand why that is - just busy trying to sort out - thanks

https://imgur.com/zBir2xS

All done - hopefully that link works..cheers

usual may take 40 days = their problem by the way 40 days is normally allowed for a SAR request only

Follow upload don't use photo bucket

So you can stop payment too

Thank you for your replies.

He is concerned that if he stops the £5 per month payment (which he is happy to pay as its zero percent APR) that they may "come after him" for the full amount.

Do I write to confirm that I understand they have not been able to supply the correct information in the required time frame and that I require confirmation from them that the debit is now void (?)

I think he would be happier with something in writing from them to say something along those lines.

Thank you again

C

You don't do anything bar stopping you payment

Until/unless they find an enforceable agreement they are stuffed

A dca is not a bailiff

As stated:-

Stop Paying the fleecers.

never void! but unenforceable until/If they ever supply a compliant CCA1974 containing all the regulated requirements etc etc

if ever anybody came after him for the full amount then a court case would no doubt be used = no CCA1974 then as they admit no enforcement,, even then if things turned out against him there is always a Tomlin Order whereby an agreed repayment amount monthly and no CCJ on file but only use as a last resort.

Read other threads and get to know the way they operate and how to stop them>

Wow - ok...I'll inform him and tell him to read a few threads on here. Much appreciated and I'll update when required.