Good Afternoon everyone.

As the title says, My wife was struggling with a credit card with Lloyds which she contacted them and they started the process of stopping the card and put the account into default.

recently she got a letter from Wescot saying that the debt is now being managed by them.

She recently has just started a new job and got her first wage. spookly, acouple of days after, wescot have texted her saying please get in contact so we can review your account.

she is scared that they have seen money come in and she worry's about anything and I have told her to ignore the text but just wanted to make sure.

We are not even sure how Wescot have her mobile phone number

Thanks Guys

Deal direct with Lloyds if and when required to......safe to ignore Wescot.

Andy

as with all the advice on your NatWest thread..

the same applies here

you totally ignore wetcloths

they don't buy debts

only chase for their stated 'client'

a DCA is NOT A BAILIFF

dx

Thanks so much guys. just a quick question. Do banks always reply to a ppi claim or can they ignore them ?

ring and ask hows it going

Morning Guys, I know this is off topic but I am wondering if you kind gentleman can assist me once again.

RBS have replied to my PPI claim saying that I cancelled in the cooling off period and got a refund,

I have no recollection of this and basically they are saying that if I want to contest it then I have to prove it.

I have attached a copy of the letter. again I have no recollection of cancelling it, let a lot taking out ppi in the first place.

what options do I have if any ?

Again guys, thanks for all your help with everything.

youll have to get all the statement via an sar and prove otherwise

attachment hidden name showing

Hi Guys, Need your sound advice again,

The Mrs got into trouble paying her credit card and spoke to lloyds and arranged to pay Lloyds back £5 a month. This was a few years ago. Then Wescot starting sending her mail but we ignored it.

My Mrs still pays Lloyds back £5 a month however recently she got a letter from Cabot asking her to contact them about the debt and they have taken over from wescot. I tore up the letter thinking its just another DCA. Now they have been attempting to ring her.

She is worried how they got her mobile number. Did I do the right thing? is it just another DCA trying to get her to pay more. Like I said she still pays Lloyds £5 and hasn't missed a payment.

Any help would be greatly received, Thanks

old and new threads merged.

the debt has been sold now

so time to send cabot a CCA request.

I didn't send wescot a CCA request, can I not just ignore Cabot like I did wescot ?

We didn't say send wetcloths a CCa request

because wetcloths don't buy debts they only chase for their client..whom at the time were the original creditor.

cabot buy debts and you would have gotten a notice of assignment to tell you so

as this has changed hands now.. CCA request time.

this has already been explain if you read from post 1

Thanks, I have binned their letter, I guess I just send a CCA template letter to Cabot offering the same amount every month and safe to ignore phone calls ? again thanks for all your help.

just type no need to hit quotes...

you should never talk on the phone about your debts to ANYONE

least of all a ZERO powers DCA

they are NOT BAILIFFS.

a cca request is for paperwork..they must legally hold to fleece you.

not a payment offer.

ahhhh OK, thankyou for all your help. I will send them a CCA and await response and again thankyou.

So I sent Cabot a CCA letter today, what do I expect to happen now?

Get reading up

Cag is selfhelp too

They have 12+2 working days

To reply with enforceable paperwork

Thankyou, i have sent the £1 PO uncrossed and blank, that is correct ?

I have been having a good read. Thanks for all your help on this dx100uk, I really appreciate it.

Cabot have sent another letter today, it says that they are aware we have been paying lloyds and to contact them to redirect the payment.

Im hoping they get my CCA letter and put 2 and 2 together as the only reference is the name on the letter and the account number.

i didnt use their reference number.

I guess i do nothing and wait still.

Letter was sent in the 17th of this month.

Is it 12+2 days I wait ?

Thanks again for all you help.

Working days

The rest is not your problem

Received this letter today. Theres 2 accounts numbers on the letter, one is with i think theirs account ref no and the other is original account number which is not what we have the original account number has. The CCA request has the proper original account number on. Do I still ignore and wait for something regarding the CCA request from them.

https://www.dropbox.com/s/873eiz1348xtkiv/web.png?dl=0

Its just a statement of account

you dont need to hide dates figures etc

only pers info.

I sent the CCA on the 18th of March and the only correspondence I have had from Cabot is a letter offering to clear the debt by only paying a third of it.

I am concerned that they have not put two and two together and do not realise the CCA I sent is from us, if that makes sense.

The only reference number I put on the CCA is the original credit card lloyds account number.

I didn't use any of the ones the Cabot have for us.

Other than that is our first and surname on the bottom of the letter. 

Maybe I should write back asking for an update on the CCA but include their reference numbers ?

no!!

they are quite aware of their legal requirements.

don't be afraid of powerless DCA's

they are not BAILIFFs

and have ZERO legal powers.

dx

Thanks for the reply dx. What do we do now? My partner is still paying lloyds back the agreed amount every month but shes scared to cancel it. From what we have heard is that lloyds are forwarding the payment on to Cabot. Thanks for you help

no cca = no pay!!

scared of what??