Hello,

Halifax has sold my credit account to Cabot.

I have been in dispute with Halifax since 2014 as they have failed to comply with CCA request in fact they have admitted they dont have credit agreement.

Shall I send prove it letter to Cabot or letter stating this account is in dispute with Halifax?

Regards

Neither ignore them

They've been sold a lemon

Just don't ignore a claim form

Have you got it in writing HBOS have no CCA?

Thanks Dx100uk. Its on SAR documents Halifax have sent when I have reclaimed PPI.

Cabot is phoning me constantly, I thought if I sent either prove it letter or letter advising them account is in dispute they will stop.

Don't Invite stupid letter tennis

Not sure what this account in dispute thing is

That went out the window years ago and was useless anyway

Good morning,

I have recently received letter from Mortimer Clarke chasing Cabot debt for an old Halifax Credit Card. The debt is going to be statue barred in March 2021- defaulted on 20/03/2015. 

Letter has come out of the blue as no contact from Cabot over the last few years. Mortimer Clarke are threatening legal action and saying if no contact made they are instructed to start court proceedings. 

Any advise please? 

old and new threads merged

please fund our drinks bill for the staffs new year party with your free money.

as lng as you have not moved in recent times safe to ignore until/unless you get a letter of claim

dx

Dx,

Indeed I have moved house in August this  year- Mortimer Clarke have sent letter to old address but I have mail redirection in place. Shall I email them and ask to update their records? 

Thank you

i would simply do that yes.

don't forget any others too!

Good morning,

I have received pre action protocol letter with questionnaire to fill in. Debt is nearly statue barred as of 15/03/2021. I did in the past asked for cca which Cabot have never provided. Do I send cca request again?

Any advise greatly appreciated.

Thank you

click letter of claim

follow post 2 

yes to a new cca request

because..previously failed to fully comply with previous requests.

Quote

 The debt is going to be statue barred in March 2021- defaulted on 20/03/2015. 

Hence the flurry of activity...was the above date the date of the Default Notice or the date it was applied to your CRAs ?

Andy

Andy,

20/03/2015 its the date it has been applied to my credit file

Okay.... but it could be earlier than March 21...because it runs from the date of the default notice + 14 days...don't suppose you have the default notice ?

Andy,

I don’t have it unfortunately. I will request it together with other documents mentioned in pre action protocol questionnaire. As I have mentioned before I have requested Cca in 2018 but they  have never complied with my request. 

I doubt you will get any joy with them...why not give Halifax a ring and ask...on the off chance ?

When you return your PAP its important to inform Carboot that Halifax still remain in default of your section 78 request dated 2018.

Andy,

I am sure I did have it as I have sent Sar request in the past to Halifax but all documents got thrown away during our move in August 2020. I will give Halifax a call today and try to find out the date of default. 
Can I just clarify that its Cabot who are in default of section 78 request from 2018. 

Halifax have never supplied Cca either back in 2015. Will that matter? 

Even better ...put both Halifax and Carboot are in default from previous  section 78 requests of  2015 and 2018

Obviously if you find the date of the DN.....and you have not made payment or acknowledgment within 6 years...then your response to the PAP will be completely different  

Thank you- I have 30 days from the date on the letter to respond. I will update here if I find out the date of default. 

Thank you very much for advise. 

20 hours ago, Andyorch said:

Obviously if you find the date of the DN.....and you have not made payment or acknowledgment within 6 years...then your response to the PAP will be completely different  

Good morning,

I have found old correspondence from Halifax and the last payment on account had been made on 27/01/2014. No default notice, but I have letter confirming Halifax was unable to locate Credit agreement for the above account. Shall I inform Mortimer Clarke and Cabot about it? 

Thank you

Registered on CRAs      20/03/2015

Last payment                 27/01/2014

Default Notice date           unknown

Have you spoken to Halifax yet ?

22 hours ago, Andyorch said:

Registered on CRAs      20/03/2015

Last payment                 27/01/2014

Default Notice date           unknown

 

Have you spoken to Halifax yet ?

Good morning,

Spoken to Halifax- default date is 2/03/2015. 

However I have received letter from Mortimer Clarke stating the preaction protocol letter had been sent out as mistake and to ignore it as they are referring account back to Cabot. I am so confused

Thank you, 

then don't worry about it

if halifax took more than a year to register the default, unless you used the card after that, it's looking like theres good reason to argue its SB'd anyway. cabot will be hard pushed and silly to raise a claim by  20/[03 . not the 1st time we've seen mortimer retract themselves

I would still complete the PAP and return it anyway...stating the debt is statue barred ...as it will be by 15th March 2021...nothing lost...always do the opposite of what a DCA solicitor advises.

oh yea forget about the PAPLOC>>

just send them our SB letter from the debt collection section of our library 

or follow post 2 of letter of claim thread

and staple the SB letter to it so CONC is invoked too?

dx