Today I have recieved the reply to my CCA , it is a photocopy of my original application form , copies of my statements up to 2006 and a copy of credit agreement with my address that I moved to 6 months after opening this account shown . The application form has my correct address at the time of opening, My question is should the addresses be matching

I've now found a thread which is almost identical to my situation with Cabot, . The case is a couple of weeks ahead of mine so useful to see how it goes. . Thanks to all for advice so far

I have tried it's tricky to sort out what is relevant though!

Well here's an update, Cabot requested a sist on the action which the sheriff refused, I asked for the case to be dismissed they did not have the paper work, however this was also refused, the sheriff wants to give Cabot more time to find the documents now I have to submit defences by the 16 th November and there will be an options hearing on the 21st of December, Help

I have reported it as I have my credit report from 2010 clearly showing the date of default for this account as 09/2006

Sure is good news, thanks

Will do thanks

My credit file is clear with no defaults showing now as they are all over 6 years. I checked on noddle and a barclaycard loan that was taken out in 2003 And defaulted in 2006 has reappeared in July and August of this year and showing as an active up to date account ? I have informed noddle but have had no reply as yet. Should I be doing anything else?

Yippee I hope

Have just recieved a letter from Cabot, saying they can't find the documents and the debt is now unenforceable and they are not permitted to obtain a decree against me.

Submitted notice to intend to defend and the date for submitting final defence is 28th October, going to put in an action to sist the claim as no CCA paper work has been received within the prescribed time scale.

Well I went to see a solicitor this morning and she advised waiting to see if they reply to the CCA request, if I get the unenforceable letter then submit a defence other wise do nothing and not return any response to the court and let the decree pass and then offer them £1 a month as I don't earn enough for attachments or arrestment's as they can do nothing else to me. So I just need to hope they don't comply with the CCA request.

10 am on Friday to see debt adviser at the CAB Now I'm worried

It says on the form if you wish to defend this action lodge a notice to defend form 07 . The notice to defend along with the court fee of £90 must be lodged with the sheriff clerk within 21 days of 14th September Oh and there is no hearing date on the form,