We got them................. Cabot (MBNA) - all complete and satisfied for £250 instead of the £2000 they tried to get!!!!!!!!! Cabot (HFC) - still no sign of a CCA so guess that one is on hold too!!!!!!!!!!! yippeeeeeeeeeee Just need to get BOS sorted now!!!!!!!!!!!!

Hi folks....... still fighting cabot at the moment. On of them is still on hold as they can't find a CCA. The other (which is MBNA) is the one I have posted the copies of the CCA but it has no limit on it but they are now pushing to reinstate the payments and threatening to add a large sum of interest if we don't. I'm assuming my next step is to send off for a SAR to them but I can't find the template letter. Please help!!!! Kanga

That is about as good as it gets to be honest, it is really hard to read. I can read my husbands handwriting clearly and can confirm it is definitely his signature. In fact the scaned copy is probably a little better because the copy I have is about an A6 copy! I can't see the card limit anywhere on it and nothing on the standard T & C's they have sent out. thx

Thanks Fred. I will stop this month's payment..... bet they acknowledge me then LOL!!!! What is the next step to take, as you said, they wont be happy with that and no doubt will try some sort of threat! Do I just remind them of the legalities etc? cheers

Well surprisingly STILL no reply!!!! What shall I now do?

UPDATE Have received a letter from Cabot today with a copy of the CCA for MBNA and terms and conditions. The CCA does have application form stamped on it BUT I have compared it to those Steve has posted on the relevant sticky and it mets all the stated points so I believe it is an enforcable agreement. My only query with it is that it shows no card limit on it anywhere! I also received 2 "representation of letter dated....." letters. One is a letter "confirmation that the outstanding balance due under the above account has been assigned to Cabot Financial (Europe) Ltd...................All enquiries regarding this account, including accurate balance information, together with future payments, should be made directly to this company." (this is from MBNA to my hubby). Second, was a standard letter from Cabot stating they have purchased the debt. They also enclosed a statement of the account since they have held it. Most of it is very straight forward showing the payment of £67 per month coming off the outstanding balance the questionable bits are from 2002 and just before hubby started paying it in 2005. http://i712.photobucket.com/albums/ww121/kangadrag/pg2e-1.jpg http://i712.photobucket.com/albums/ww121/kangadrag/pg1e-1.jpg[/url] Firstly is the large interest payment added in Jun 2005. The second is that no payments seem to have been allocated to the account until this interest charge was paid. I did the calculations and it adds up to exactly the interest payment! Once this was paid the balance started to reduce. This is really annoying as I beleive the orignal limit was only £1000-£1500, Hubby isn't sure as it was such a long time ago. So my questions....... firstly does this seem OK (statement), secondly, do I now send for an SAR and to whom? BTW no site of anything for the Cabot (HFC) account! Thanks Kanga I've also added the agreement for you http://i712.photobucket.com/albums/ww121/kangadrag/agreementedit-1.jpg

Ok, Still haven't heard from them but will give them to the end of the month. Hubby thinks it was 2002 (these are old accounts from when he was married to his ex wife). I will do as you suggest and sit tight. Thanks again Kanga

Have heard back from Cabot, who have said neither of the original creditors have been able to provide the CCA's at the moment and they have therefore suspended the accounts until further notice. Do I need to do anything now? Thanks Folks

Evening all, Just a quick update and asking for advice. I sent hubbys CCA letter to Blair, which was received at HBOS and signed for on the 27th November. I have had absolutely no reply, any suggestions what I should do? Hubby doesn't have a problem paying for it but as it obviously has a huge amount of charges etc on it (and eventually at the moment it would be nice not to have to pay it at all). What should I do?

Hi everyone, just a quick update...... I received the standard letter from cabot about they don't have to do this but will send for it from the original creditor. Their letter was dated the 27th November. I still have not received anything from them. What should I do? I don't want to be rash in making a decision about not paying as it is hubbys debt but I would like to get rid of the excessive charges etc. He has been paying them for over 3 years and has only paid about 1/3 - 1/2 of the amount which is still in excess by about £1000 on what the original card limit was. Any advice please?

Thanks SH..... shall get straight onto it. Hoping to have some more good news for hubby when he returns!!!! A good start to the new year for him. Kind regards Kanga

bump

just under £600 woody

Similar to my thread titled "kangadrag v cabot".... Hubby has been paying to Blair for a credit card with halifax, again on original paperwork(from Blair) balance is nearly double what the card limit was. As this is Halifax's in house DCA do I follow the same steps as usual, i.e. send off for a CCA from Blair.... if I get reply send for SRA or do I just send an SRA since it is an in house DCA. Do I type hubby's name or just get him to print it on? thanks again

Thanks PM...... did wonder if that would really be the end of it!!!!

We beat them!!! Had a letter on saturday and I quote "We have investigated the issues raised in your letter, and can confirm that legal action on this account would be statute barred under the Limitation Act 1980. We have therefore taken the decision not to pursue this matter further. We can confirm that the account is now closed and you should receive no further contact from us with regard to this matter." HAH!!!!!!!!!:lol: Thank you everyone!!! I will be making a donation!! Now time to take on the others for hubby!!!! What a surprise he will get when he gets home!!!!

Hi folks, after tasty sweet success on hubby's part (his away serving country), I am now on a one woman mission to get rid of all his financial baggage left over from ex wife. Now is the turn of cabot, hubby has been paying cabot for 2 old debts for about 3+years. Have just pulled out old paper work, one is for an MBNA card whose default balance is just shy of £4000 (hubby thinks limit was £1500) and HFC (he thinks this was from DFS). I feel especially in the case of the MBNA that their has obviously been a huge amount of charges put on it. So, what do I do..... having read the threads I think I send a CCA letter to Cabot for both accounts. If they can't find one hubby stops paying until they find one. Addtionally, I send an SRA for both accounts to original creditors. This will show charges etc. Whether they find the CCA or not I get the charges refunded. Now I understand that the letters should not be signed but does this just mean I type his name or does he need to print his name on the bottom of the letter? Kind regards Kanga

We beat them!!! Had a letter on saturday and I quote "We have investigated the issues raised in your letter, and can confirm that legal action on this account would be statute barred under the Limitation Act 1980. We have therefore taken the decision not to pursue this matter further. We can confirm that the account is now closed and you should receive no further contact from us with regard to this matter." HAH!!!!!!!!!:lol: Thank you everyone!!! I will be making a donation!! Now time to take on the others for hubby!!!! What a surprise he will get when he gets home!!!!

You asked if I thought including a section on debt management in a dependents booklet for deployed servicepersons...... I do think it is an excellent idea.

Thanks Folks! BTW Scarlet did you get my reply re dependants handbook and debt management?

Afternoon folks, Just to give you and update, I have sent the limitations letter to Thames (posted 7/11/08, rec'd 10/11/08). I have had no reply BUT I have had another letter: "END OF YEAR OFFER" in essences it offers a reduced payment of 60% of the original balance. It is dated 13/11/08, again trying to get me to phone the freephone number to take up the offer. I have assumed I just ignore it........ What do I do if I have no reply to my limitations letter and how long do I wait for a reply. Cheers folks

post, if I'm right I think it is Counter Terrorist Check.... a low level clearance for vetting...... Just beeing the lowly service wife don't quote me.

I have added this statement at top of letter ... opening paragraph! "I am the authorised representative of xxxxxx, whose authority you have on file; this has been confirmed in a recent phone call. Additionally I would point out that xxxxx has not authorised me to accept service of proceedings on his behalf and will, as a member of HM Regular Forces, only accept service of the Claim Form where service complies with the requirements of CPR PD 6 Annex." I then used the standard CCA request letter and printed (typed) my name as signatory. Is this OK?

Just wondering since I am doing this on hubby's behave (and since thames have accepted authorisation via phone call) it shouldn't really matter if I sign letter as debt and agreement is not in my name but additionally since these boys are up for bullying should I add all the letters I have after my name (been a swot at times!! LOL), might bully them back.... any suggestions?

I would like to start the ball rolling now with this for hubby.... as he has given Thames Credit verbal authority (which since we had such a lovely chat where the cretin perved me off must be enough for them), should I get hubby to do a letter for me for the other accounts? I'm assuming if he does he should print his name (BTW does this mean in pen or typed?).