I send CCA to all my debtors,

I have reply from Westcot advising that they are not the creditor but collecting on behalf of Cabot and that i need to either resend to them with postal order made payable to Cabot for forwarding or send direct to Cabot.

2 questions

1. shall I send direct to Cabot or go via Westcot

2. I read on other persons post a reply that said Cabot do NOT collect enforceable debt,

I would really appreciate confirmation of this,

as Cabot are collecting the largest debt i have, Barclays Loan, still awaiting a response to CCA for this one, although Cabot already replied to another debt advising they will no longer pursue chasing payment.

thanks

not sure who advised sending a CCA to wetcloths

they don't buy debts but simply chase for their client, who the CCA request should be sent.

so which of your debts is this thread related too

Keep that silly response safe, and ignore anything further, they've fell at the first hurdle, just shows you how immature this outfit is.

I sent CCA to all debtors who my (now ex) DMP were paying, as you say Wetcloths (love that, lol) have fell over and passing me back to Cabot - so will send Cabot a CCA, Cabot have already conceded on one of my debts, hoping they do for the this and the other one i have with them.

as previously reported my DMP is now cancelled and no further payment to any creditor until i get response to CCA request.

what this debt all about OC + TYPE

OC = Mint - credit card, outstanding balance not too large £835.

I presume if Westcot are now saying refer back to Cabot, Cabot have bought the debt.

Will CCA request to Cabot later today

cabot had already bought it

wetcloths were merely chasing

you should of had a notice of assignment

unless that went to an old address before you updated everyone about your newer AD

dx

that is entirely possible, or maybe they did notify me and I just sent it onto my DMP, once my DMP was up and running, I pretty much took little notice as although I know understand that was probably not the correct action, it did relieve a lot of pressure from me, all this arose from a messy divorce

I will send CCA to Cabot today

CCA reply from Cabot - they do not hold records on file but have requested them, acknowledge 12 day limit but need 40 blah blah blah - am sure this is 2005/6 so hoping they don't get em.

12 = 2 then they are in default of request, 40 days refers to complaint procedure and they know it.

CCA reply from Cabot - they do not hold records on file but have requested them, acknowledge 12 day limit but need 40 blah blah blah - am sure this is 2005/6 so hoping they don't get em.

Excellent, ignore them until or ''IF'' they do indeed find and send you an enforceable CCA.

They always add the 40 days in, but it means nothing, so don't even know why they waste the ink printing it!?!

12 = 2 then they are in default of request, 40 days refers to complaint procedure and they know it.

40 days is for a DSAR...not a Section 77/78....12 days end of.

Andy

Am sure this is just Cabot willy waving - but posting just in case I need to do anything.

Cabot have sent me a letter advising that this debt was being managed by an agent of theirs (Westcot) and Cabot have decided to have it returned to them so they can work with me directly on a payment plan.

I still have no reply to my original CCA request to Cabot.

shall I just file letter and ignore or do I need to advise Cabot they have not complied to my CCA ??

usual rubbish

no CCA end of the matter ignore!

tks dx