Sorry just one more question do you know if it has to goto a particular department within monument? When i google monument i keep finding different addresses one in leicester, one in crawley and a po box in northampton. Does any one know which is the best one to use?

:thumb:ok thanks will get that done and sent off tomorrow.

Cabot purchased the account in 2007 so would it be worth sending them a sar aswell ?

ok thank you for your help. The original creditor was monument so will see if i can find there address as we have no paper work for them.

ok thanks is that even if cabot purchased the debt?

ok thanks does the sar goto OC or Cabot?

no nothing my sister-in-law cca'd them ages ago and never recieved anything other than their terms and conditions with OC but most of it was marker penned out.

Hi guys just a quick update. Have recieved letter before action from morgan soliciters saying as they have had no response Cabot intends to recover the debt owed by the estate by issuing legal porceedings, my sister-in-law has spoke to national debt line and they have advised to send a subject access request but we are not sure who to send it to is it original creditor or cabot? Any advice would be great .

Ok thanks will get that letter sent to them and check land registry see where we go from there. From what i have googled they have 2 months after being informed to make a claim ( i might be wrong on that tho) and so far the only claim they are making is verbal and with no proof!

So should we just send them claim rejected letter?

So that would show on credit file? Or should we stil check land registry?

Would charging order show up on credit file?

Ok thanks wil get onto checking land registry on Monday.

We checked with experian nothing showing on that. tried to check the other 2 cra but it looked like we could only check for ourselves. Its very unlikely there will be any funds available as mortgage is not much lower than value of house, its been on the market 12 months and no interst as of yet.

I can believe that, they actually want us to tell them who the estate agent is so they can contact them " to discuss the progress of the sale". They will have a long wait fot that info!

Thanks guys you both been really helpful. I know my sister-in-law did a CCA request and thats when she got the terms and condidtions between OC and Cabot with lots of info marker penned out including their signatures. That made me chuckle a bit as i ve heard lifting signatures is one of their tricks!

Thanks for the advice guys its really appreciated.. I will get a letter sent to them rejecting their claim. My sister-in-law has spoke to them on phone a few times and basically all they try and do is talk her into setting up a direct debit for £25 a month which she refuses to do as they have provided no evidence of this debt. We have in writing from their in house solicitors Morgan that " full statements would certainly not be available as the account showed as having been opened some 11years ago on 2001". Cabot purchased the account on 16 May 2007 and they say "your late mother immediately set up a direct debit which regularly paid £10.00each calender month from 29th May 2007 upto 29th june 2011". My mother-in-law passed away 29th July 2011 so nothing from her bank was actually cancelled until after that date, also i didnt think a direct debit could be set up that quick! Sorry if i sound a bit thick but does the money laundering offence come from the fact they got my late mother-in-law to set up a direct debit? Would the account be classed as closed once it had been sold to cabot?

Thanks I have wondered if debt is actually hers as she wasnt really some one who took out credit, the only other debt is the mortgage.

Hi thanks for your reply.My sister-in-law is the administrator. There is no will. She has asked them for full statements of the account before she agreed any claim they had, they say " full statements would certainly not be available as the account showed as being opened some 11 years ago in 2001." its as if they are saying because there was a direct debit set up by her mum they have a claim. We hav put the house on the market as it has an interst only mortgage on it with G.E. Money. We are just a little concerned that when the house sells if and its abig if there is any equity will cabot be able to make a claim?

Hi Iwas just wondering if i could get sum advice..Apologies in advance for the long post.. My OH mother passed away last year and since then Cabot have been sending letters saying they are owed almost £4000 from a monument credit card and wish to know who her property is on the market with so they can contact them. After going through all my late mother-in-laws paperwork we cannot find anything relating to this debt other than cabot letters. We have asked for proof of the debt which they say they dont have original agreement as account was opened in 2001, all they have sent us is terms and conditions of their agreement with original lender which has lots of info marker penned out. My late mother-in-law did set up a direct debit to pay cabot £10 per month in 2007 up until she passed away, however we feel she may have set this up to get them off her back as she was not in the right frame of mind at the time. When we did a credit check with experian there is no sign of this debt on her file. Any advice would be much appreciated as we are not sure what to do.

ok thanx no need to apologise:) will cca lloyds. apex took the pound postal order off of the balance that i owe even tho i stated it was for payment of my cca request! i think statement i received after i cca'd apex was from tsb but it wasnt a cca all it showed was balance and the pound postal order taken off, no interest rate, no original loan balance, no terms and conditions, no signature from me.

just found letters from apex that i ve received in the past they refer to lloyds as their client. I ve also received one from geoffreyparkerbourne on behalf of apex stating they have been instructed by apex to write to me both letters state i have 72 hrs to contact apex with a repayment prposal.does this help?

i thought it had been sold as apex were the second dca to contact me as it was with aic first(who i was making payments to) but not sure now:confused: tsb havent contacted me for yrs.

thanks for the reply:) just another quick question the address they have given is apparently lloyds tsb recovery depo in brighton do i send the letter to them even tho it was apex that i cca'd?

i requested cca from apex which they failed to provide so have they passed this on to someone else now?