I received a letter today from HSBC telling me my credit card debit with them for £7,000.13 has been sold to Cabot Financial UK.

Cabot Financial also sent me a letter informing me a CCJ was obtained by HSBC from me.

Cabot Financial inform me I can continue the £10 a month payment but they are asking me to contact them.

I certainly won't be ringing them!

HSBC is a credit card debt and I know the CCJ was obtained over 6 years ago.

I have been paying HSBC £10 a month for the last five years.

My other credit card debts are also over 6 years old and are

Lloyds Bank £10,000;

Egg £4,800;

Capital One £4,000.

have been paying £10 a month to Lloyds;

£10 a month to Lowells who are DCA for Egg and

£10 a month to Robinson Way who are the DCA for Capital One.

have been paying £10 a month to each of these companies for just over 5 years now.

have searched Trust Online and discovered there are no current CCJ's but I know this is because the 2 CCJ's which I believe I have are over 6 years old.

am wondering should I send a CCA request letter to

Cabot Financial;

Lloyds Bank;

Egg and

Capital One?

I am concerned Cabot Financial might try to force me to increase my payments given they now own the debt.

if the £10 a month was agreed thriugh the courts they cant increase the payemnt without going back to court.

Should they do that and the court decides the amount will stay at £10 then they pay your costs as well as the court fees so they wont be going there if they can help it.

What they will try is to get you to agree to pay more thus rendering the court order redundant.

So, the simpe thing to do is pay them the tenner as per their instructions and do not enter into any correspondence.

The CCJ's will be live becuase you have kept to their terms, they just wont appear on your credit files because you have been good.

That means should you have ideas about stopping that payment because you cant see the debt

it will give them a reason to go after you big time.

By all means CCA the other loans and cards.

If they cant comply within 12 days you stop paying them

Hi ericsbrother, many thanks for your prompt reply. HSBC didn't enforce the CCJ

- meaning they didn't demand I pay £10 a month.

I voluntarily offered to pay this amount because it was the maximum I could afford.

I've been paying £10 a month to HSBC for over 5 years now.

will continue paying the £10 a month and won't enter into any correspondence with Cabot.

I certainly don't want to give Cabots any reason to increase my monthly repayment will continue paying the £10 a month via HSBC.

Also will continue with the £10 a month for each of the other credit card debts since I can't find paperwork showing which credit card company owns the CCJ.

Will do a thorough search to find the CCJ's paperwork before sending any CCA's

because I don't want to give these DCA's/banks opportunity to go after me.

thanks again for your excellent advice and swift response.

Hecuba

id be sending a CCA request to all the people you PAY.

not the original creditors

inc the CCJ ones.

so HSBC took you to court but never got the CCJ but dropped the case as you entered into an agreement? wasn't a tomlin order was it?

when you say didnt enforce the CCJ

what did the CCJ actually order?

full payment?

payment at £x per month ?

or as DX says a Tomlin order ( basically a binding confidential agreement)

Many people use the CCJ acronym when they mean a court claim.

From what you say it appears as though you didnt defend a claim form HSBC so you will need to know what the order was