April 2009 was the last payment made.

Hi, yes I have all paperwork from my dealings with them.

Well I will update you if it happens. Thanks.

Default notice from goldfish is 29/1/2008 and then letter of assignment to cabot was 17/4/2008

I don't have old crf I only have the old goldfish correspondence with the default notice sent to me. If this had been on my credit file with goldfish it has now dropped off. But cabot is showing the date the card started 1998 they only took this over in 2008.

It was defaulted with goldfish before cabot bought debt and I n their letter they said everything would stay same. If they have put on credit file the start date of the account I assumed that they would have when it was defaulted. It is just worrying me why they have nothing on credit file other than I am not paying anything and haven't for four years, and the fact that I have had no contact from them at all.

there is no default date showing on the credit file at all, it just shows account started 6.4.98 which is probably when I took out the goldfish card, does not give any other information other than it was a credit card, date it started, credit limit O, and with the amount increasing month on month with the figure 6 by it, which reading my file, shows that this is 6 months behind payment. Strange as I have not paid anything on this account since 2008 when it was put on hold. I have all correspondence that I have had with them, and they have stated that it is unenforceable because they cannot find the credit agreement.

Well that is something at least it should not show on my file after this year. Still do not know what to do with the debt though!

I have had help from this site in the past re Cabot and it has worked very well. I had a Goldfish credit card balance of £10k which right out of the blue was sold to Cabot when they sold Goldfish to Barclaycard, I was making temporary low payments at the time due to being on a four day week and this was defaulted as a result. I was not consulted just got rid off! Cabot kept my payments the same so everything went along as normal for about 8 months when they started to add over £110 a month interest onto an account that I was paying £60 per month on. This was were I had help from this site. I sent all paperwork requesting SAR etc, nothing was forthcoming, they eventually ran out of the stated time limit and they put the account on hold, I also put it into dispute. Cutting a long story short I have not heard anything from them since November 2008 so it is fair to say they cannot find any paperwork for me at all. However I have recently obtained my credit report to see if they are reporting anything, and low and behold there is a report showing that I make no payments at all and up to end of 2012 they are showing a balance of £16k, no default time limit, it reads as though they have had the debt since 1998 which is incorrect it was 2007, and nothing to say that this account is on hold or in dispute, and obviously they are continuing to put on interest. This is really concerning me, and could do with some advice of what my next step should really be. Will this report come off my file after six years or will it continue? I thought that interest was not applied to a defaulted debt. this was defaulted by Goldfish, and Cabot say that I am in default also. Anyone had anything similar?

Received today my latest letter from Cabot. All of a sudden they have all of the details from my haggling with them for the past two years. This is a transcript of their latest letter; I understand that you previously made a request for a copy of your credit agreement under section 78 of the Consumer Credit Act 1974 (CCA) However you have not received a response and you have received letters regarding the collection of this debt. Initially please be advised that the failure to provide a copy of your agreement in time does not affect the legality of your debt with the Cabot Financial Group, but merely renders the credit agreement unenforcable until such time the agreement can be produced. It has been established in English Law that enforcement constitutes obtaining a judgement at court. The reporting of a default entry to the Credit Reference Agencies or Cabot requesting repayment of your account does not amount to enforcement. Furthermore the fact that you have not received relevent documentation in response to your request in no way relinquishes you from your obligations to repay the monies you have borrowed under the agreement. The last payment you made to this account was April 2009 which means that since this date you have breached the terms of your agreement and interest has subsequently been applied to the outstanding balance. Notwithstanding the above, I note from previous correspondence that my colleague has agreed to write off any interest applied whilst you consider your account to be in dispute. We shall of course honour this offer once the relevent documentation has been obtained. However, as set out above, you remain legally obliged to make repayments towards this debt whilst we await receipt of a copy of your credit agreement, and interest is due to be applied on a monthly basis in accordance with the terms of your agreement. Our offer to you regarding the interest applied is therefore a gesture of goodwill to assist you in resolving this outstanding account. In light of the above, we still recommend that you contact us to make repayments to your account, and on receipt of the relevent documentation we will supply you with the same. I trust that I have set out our position clearly, Yours etc etc. For a start I put the account into dispute in April 2009 because they had started applying interest in October 2008 and was receiving no joy from them as to why they had started doing this. When the account appeared with them from Goldfish they stated that I had to do nothing just keep with the same agreement I had had with Goldfish, which was all interest had stopped and a monthly payment as the account had been defaulted and gone to collections! I have been waiting for them to produce my agreement since February 2009 and nothing since, but they have added about £2,500 in interest in that time. Anyone else had this, and what is the next step?

Reply back from Cabot yesterday. Shortest one I have ever received. "Please contact our offices urgently where our very helpful advisors are here to help come up with a solution to repaying your account." I had highlighted every point made over the past two years in my letter to them, stating that they had broken the deadlines for supplying CCA, they had put account on hold, and I had put account in dispute. I stated that they obviously had not got any of my requested paperwork and were unable to obtain this, so as it was unenforcable the account should be written off! Thought I would try it to see what they said, and they have said very little. Anyone had this, and what is the expected next step!!

Thats very likely true. Will wait to see wether they have managed to change the old rubbish they had in their last lot of letters. Will be interesting to see if they still acknowledge that the alleged account is on hold!

I did that before but with very clever manipulation with the letters that I sent, I managed to get one or two direct promises in writing, one of them being that when they get the CCA for me and repayments start again, they will completely remove all interest that has been added to the account, and put future payments on zero interest. I have to date about 40 letters from them, which has built up a case of their incompetency. I did this so that I have enough background evidence if it ever did go further. I did not hear anything from them for 10 months, and as shown above they have started writing again as if I am a complete new customer. I have sent them a reply, just referring them back to all past correspondence, and that still on hold and in dispute. Will wait to see what their next response will be.

It has been 18 months know since I requested my CCA, they have said they cannot provide it, and put the account on hold themselves. I have it in dispute, and know that they will keep trying. The only thing that really worries me is the interest they keep adding every month, they are adding over £100 monthly. I really appreciate all of the help I have from this site, I don't know if it is a comfort or not to know others are in the same position, but at least we can all fight together and see what happens. I will probably go to my grave with Cabot chasing me!!!

It never ceases to amaze. I can keep fighting them as long as they cannot come up with the CCA, but really do not want all of the hassle and unpleasentness, just wish I could find a way of sorting it out once and for all.

had another letter from Cabot today, informing me that they have recently taken over my account from Goldfish!!!!!! They did that two years ago! and that if I did not contact them about a repayment programme they would take it to the next level of collection. They are completely ignoring the fact that they have been in communication with me for two years and put my account on hold because I put it into dispute awaiting the CCA. What should I do know, shall I writie and enlighten them of previous correspondence?

No, they tried to put it on, but I stopped that right at the start. It was Goldfish when I signed up for the card, I don't know if Morgan Stanley was before or after that, and then it was Barclays who took over, so I think that my paperwork is well and truly lost by know!

Thanks for your advice. I will await the next communication and see what they say, will let you know as soon as I hear anything.

I have told them in the past that they cannot add interest but they keep coming up with no end of reasons why they can. When Goldfish sold out to Barclaycard I was already on a repayment plan as I had lost my job, it had been defaulted and I was paying a fixed payment with their agreement. Barclaycard obviously did not take over their accounts that were not making them any money and sold them all to Cabot. I continued paying this fixed sum for some time, when Cabot suddenly started charging interest with no notice or explanation, only that they could!!! That was when I started chasing them for all of my original agreements, only to discover that they did not have them. I put the account into dispute, and they said they would put on hold until they found paperwork. I had a lot of help off this site and followed it to the letter. no communication from them for ten months, then out of the blue this nice!!!!!!! letter. Whether it was in my original credit agreement or not, they have not got it, and the account had already been defaulted by Goldfish. I think i will wait and see what they say next.

I put my alleged account with Cabot into dispute last November 2009 when they could not supply me with the original documents that were with Goldfish. They said that they would keep account on hold until they could provide these, that was January 2010 the last letter from them. Received letter yesterday as though I was a new customer thanking me for my payment (have not paid since last year) and asking for me to set up a repayment plan with them. Noticed that they have added almost £2,000 in interest in 13 months when Account in dispute, and they had agreed to hold interest payments. What should I do next?

I put my alleged account with Cabot into dispute last November when they could not supply me with the original documents that were with Goldfish. They said that they would keep account on hold until they could provide these, that was January the last letter from them. Received letter yesterday as though I was a new customer thanking me for my payment (have not paid since last year) and asking for me to set up a repayment plan with them. Noticed that they have added almost £2,000 in interest in 13 months when Account in dispute, and they had agreed to hold interest payments. What should I do next?

I had one of those letters and about 15 statements from 2005/2006, they said that it proved that I had an account with goldfish!!! They are know writing to Barclaycard to see if they can get the CCA but are being really nice and letting me know that if I start paying them again they will write off all interest that they have added (about £800 so far) and that they will stop all interest in the future. Nice of them!

Thanks everyone for the advice and help. I must admit to date I have had no threats just letters spouting off the most ridiculous jargon and reasons why they can do things. What I do have off them every single month though is a statement of interest added to my account, so far almost £1,000 since March. Wether this is a frightening tactic to get me to contact them I don't know, but it is concerning seeing this debt rise to huge proportions. Right from my first contact from them I have never spoken to them on the phone and I wrote to them telling them I would only make communication by letter, so far they have always done this. I have a whole file of letters from them everything kept and up to date, and in every one they always state that they are still trying to retrieve the requested information and while this is ongoing the account will be on hold, but they still keep adding interest. What happens if they cannot ever come up with CCA but the interest has run into thousands of pounds?

I have been battling with Cabot since April of last year when they supposedly purchased my goldfish account. After repeated letters back and forth I took the advice of this forum and sent a CCA request in March of this year, to date they have been unable to supply this. I put the account in dispute and they put the account on hold, although they have been adding over £100 interest every month!!! I have not let up in my constant flow of letters to them and this week have received a pack of statements (that ar4e all quite legible) showing that I did have a credit card with goldfish!!!!! and as far as they are concerned it proves that I must have had an agreement with them, however they are still trying to get the agreement out of archives and the account will remain on hold until that point. I have pinned them down also to state that if I continue with a repayment plan with themselves, they will write off all interest added to the account since March and that all interest will be suspended in future as long as they repayment plan is kept up. I have not agreed to anything but have got them to actually admit to this in writing. Can anyone give me some idea of what I should really do know, I don't think that this debt is going to be written off, and do not know how long it will take them, if ever to produce an agreement. Anything appreciated.

I took out this Goldfish card when Goldfish was owned by British Gas so it has changed hands at least three times since then, I doubt if they can find the original agreement, just do not like the idea that one day someone completely new can pop up out of the bushes saying that I owe them huge amounts of money because Cabot have kept adding interest even though the account is supposedly on hold. They did not add interest for the first 6 months and arranged for me to pay £60 per month, unbeknown to myself they were adding over £100 per month interest without telling me and when I eventually found out they had added over £700 to the outstanding balance. I don't like the idea that they could be reporting me to credit reference agencies as non payment as there words were, even though the account is on hold you can still make payment if you choose to do so!!