you could poss do that anyway

lets see

I received the SAR documents on the 26th July.

There's loads of statements, some correspondence from 2006/7 when I said I couldn't pay the debt and a letter saying they're gathering information from the DCA. The statements show some payments I made in 2008 and 2012-2016.

They said they've passed the case on to another DCA, who I'm ignoring.

I haven't received any further information that they said they'd get from the original DCA. It was Experto Credite who went bust last year.

Do I just sit and wait? What happens now?

I received the SARicon documents on the 26th July.

There's loads of statements, some correspondence from 2006/7 when I said I couldn't pay the debt and a letter saying they're gathering information from the DCAicon. The statements show some payments I made in 2008 and 2012-2016.

They said they've passed the case on to another DCA, who I'm ignoring.

I haven't received any further information that they said they'd get from the original DCA. It was Experto Credite who went bust last year.

Do I just sit and wait? What happens now?

looks like it ...

so

SAR will be your next route to see if you have any PPI or penalties to use as bait to short settle?

is there?

No PPI or penalties.

They continued to charge me interest for 3 months in 2006/7 when I told them I couldn't pay and offered £10 per month.

After 3 months they accepted the £10 but didn't refund the interest.

At some point they got Experto Credite to collect the payments but there is no mention of them in the letters.

What's interesting is that I received a letter from RBS in July 2007 and then nothing till May 2016 when they said they passed the debt to Westcot.

I ignored them and now they've passed it to someone else.

well RBS still own it

so any DCA can be ignored totally.

After Westcot it was Moorcroft who I've also ignored.

I've still not heard anything from RBS in 6 weeks. They said they'd send further information from the DCA.

If they still own it why are they passing it around all the DCA's?

Also what usually happens next?

thats what they do, to try line their friends dca pockets as well.

once its done the rounds with collection on behalf only dca's (that wont/dont buy), it will prob be sold on to one that does.

[causing problems] gits!

Who are the DCA's who will buy?

Lowells...Cabot.....Arrow...Link...1st Credit are the major Assignee's.

Had a letter from a new DCA called Apex. Never heard of them so does anyone know much about them?

just another Debt collector

same as moorcroft and wetcloths

apex are a DCA that only chase debts for clients not a debt buyer

so RBS still own it

Apex Credit Management is part of Cabot...and they do or did buy debts before the merger

open

Cabot got hold of this a while ago and I've received various letters from them which I've obviously ignored. They've now said they're sending Resolvecall to come and visit me.

I've recently moved address so do I need to inform Cabot about this?

Also, if I have to inform them, should I send them a CCA at the same time?

4 minutes ago, MrGreen said:

I've recently moved address so do I need to inform Cabot about this?

and anyone else with a supposed debt 

save the CCA .

Thanks.

I've got redirected post for 12 months so I'll wait for the next letter to arrive. 

be a bit careful relying upon redirection.

many court documents have or are generally interpreted by royal mail as 'do not re-direct' 

pers i would not take the chance of a backdoor CCJ etc , as we've seen these in the past with mail redirect not happening on 'from a court labelled mail '. 

for the sake of a few 2nd class stamps it's worthy to always write to anyone that might hold a debt that you last used the credit or paid anything within say 7 yrs.

don't forget to update V5C's and your driving Licenses too!

Thanks for the advice. Makes sense but I don't have their address. Their website lists two addresses but doesn't specify that you can write to them. 

I've updated everything else 

Cabot Financial (Europe) Limited is registered in England and Wales with Company No. 3439445. Registered Office: 1 Kings Hill Avenue, Kings Hill, West Malling, Kent ME194UA.

That's the address I was planning on using but thank you for confirming. Much appreciated.