thankyou for that rory, much appreciated

42 theve said 'cabot shall continue to hold any action on my accounts until further notice

Again today I have recieved two letters from E Roberston of cabot Informing me that 'Unfortunately cabot has not been able to provide the requested information within the relevant time period and that the original lender has not been able to locate the relevant information from its archives.' (great!!!)

Is there a template letter/notice that I can send to them to stop them processing data with DCA's which is showing on my credit file?

Thanks Sea, at the risk of sounding stupid am I complaing about the lack of a cca, seeing as they have breached the act thus making the debt unenforcable?

Just wondering should I be complaining to any of the authorities? if so which or do I have to wait until 22nd feb until theve broken the law?

Just to keep my thread upto date, recieved another two letters from E Roberston of cabot today saying that the original lenders are experiencing a delay in obtaining information from there archives and that although 24 days have passed since my request they hope to be sending the information to me shortly. How nice of them??????

Also guys should I write to cabot now regarding them defaulting on the cca request, Ive recently checked my credit file and there still processing data about my accounts, can I do anything to stop and remove this info?

Would you believe it? ive had two letters today from cabot stateing that the original lender is experiencing a delay in retrieving the information from its archives and that they'll send the information to me as soon as they recieve it meanwhille as a gesture of goodwill they will put my account on hold untill they recieve further communication from the original lender????:-?

Where do I go from here guys???

Hadituptohere

Any News on this thread???????

Any News on this thread???????

Hi everyone

I registered prior to christmas after doing some research on the web and finding this amazing place due to unbelieveable pressure (telephone/written) from our friends cabot and would appreciate any help available as they really have hacked me off please bear in mind that im only just pc friendly and really need everything in laymans terms (bit thick).

Im aware of two credit card accounts that cabot claim to own and have been collecting payments from me for the past years ??? (cant remember how long) until I fell ill from work and was no longer able to pay in June 2007.

After seeing some of the threads on this site I have managed to stop the irritating phone calls (dec 07) and have recieved a letter granting me 28 days grace if I respond to them by letter which I did by form of a CCA, I forwarded them a postal order for two pounds (2 accounts) along with the cca's, they recieved the cca's on the 2/01/08 (recorded delivery) in turn I have recieved 2 letters from Emma Robertson CRM along with my 2 pound PO in acknowledgement of my request, its now the 16/01 and still nothing else recieved.

Ive read amongst the other threads to S.A.R - (Subject Access Request) the original credit card companies which im in the process off but ive looked into the postal address to send the S.A.R - (Subject Access Request)'s to and it seems that one of the card companies (Providian) was sold on to another company (Washington Mutual), do I send the S.A.R - (Subject Access Request) to them?

Ive also checked my credit report and theres only one entry from kingshill for one of the credit cards which im lead to belive is unlawful unless they can provide me with an enforcable cca???

As said earlier would appreciate any help :-?

Hadituptohere

Hi there everyone,

thought id say hello, been checking the web site quite a lot recently due to unbareable harrasment from Cabot , been paying these guys for over 6 years at over £160.00 per month and asked for a settlement fiqure for two credit card balances and found out I still owe more than the default amounts. Anyway ill post the details in the relevant forum and would appreciate any advise available

Hadituptohere..............