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Cabot/Nolans threatening court action - hitachi loan. Scotland


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Hi,

 

It’s my first time here and I could use some advice!

 

I defaulted on a Personal loan in 2016 after I lost my job due to health issues.

The amount owed is approx £3.5k.

 

I’m still not working and have no income not even benefits.

(I’m fully financially supported by my partner).

Since the default I have made no payments whatsoever.

 

The debt was passed to Cabot and I have been receiving letters from them for the last couple of years.

 

Recently they have instructed Nolans solicitors to recover the money.

 

I have been incredibly stressed out By everything but I managed to borrow a bit of money from a close relative to see if they will accept a settlement offer and they flat out rejected it.

 

I was told I had to offer the full amount or I will be taken to court.

 

I’m not in a position to offer anywhere close to the full amount.

 

I asked for a copy of the original credit agreement because I can’t remember fully the amounts that were borrowed or interest rate.

 

I am waiting to hear back from them.

 

I only made that settlement offer as I panicked and knew that my settlement offer was definitely lower than what I originally borrowed.

 

I’m really worried about everything and hope that someone can give me some advice on what to do next?

 

I live in Scotland if this makes any difference.

 

Thanks in advance

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did you take this out whilst resident in Scotland?

 

who was the loan with [the original creditor]?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so we need to investigate why hitachi have sold this on so quickly to a dca…..

 

send the dca a CCA request

 

Thread title amended

Edited by Andyorch
Thread title amended

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hit cca request and read

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Sorry to sound silly but what is a CCA and how do I request one?

 

 

" I asked for a copy of the original credit agreement because I can’t remember fully the amounts that were borrowed or interest rate. "

 

A written request which is legally valid...you cant ask for a copy of the agreement.

 

 

Andy

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