Oh dear i have another problem, just found some more info which has terribly confused me. How do i know If Cabot have brought the debt fully...i a way which means they are solely responsible for everything? i read somewhere if they have only part brought it and the OC still have certain rights it could mess up the CCA request? In the 23rd of march letter it says they brought the acciount i held with jacamo but when they sent the the query letter it said they were contacting jacamo about my query ie my CCA request. if they had fully brought the account shouldn't they have all this already? Sorry to be a pain and ask all these questions i just need the answers so i feel more confident about dealing with them and where i stand etc,

Sort those letters out for now and chill out, if they ring again try putting the next to a radio playing any kind of rubbish and walk away after all it's them paying the bill Nice idea...or i should place them onto my four year old to sing disney songs (she has quite a collection) rather loudly and very out of tune

thank you everyone, i will be getting those letters sent out asap. Could i just ask what this 12day rule is and what happens after 30 days if they don't comply? Also i thought if they had brought 'my' debt from jacamo they would have had an original credit agreement that had been supposedly signed before they started ringing me. Also is it true what this Adam said that there has been an ammendment to the consumer credit act stating they don't have to send a signed copy of the CCA out just a copy? I would have thought a blank copy with no signature wouldn't be worth the paper it's printed on?

I need a little help with cabot. It all starts at my old house back in 2007/08 when i get a call from jacamo saying i owed them money for goods. I have no knowledge of these items and told jacamo i have left my previous property by the date they claimed i recieved goods. I was only young at the time and a single mom and was scared of the constant calls and threats of balliffs etc so i felt i had no choice but to start paying. Which i did, i started making token payments then i moved and stopped. Now fast forward to earlier this year i recieve a card saying for the occupier to call this number and i found out it was a company called cabot who claim my debt had been passed to them. I told them the situation and said i was young and bullied but i thought the payments i made had paid it off in full. (mistake i was nervous i just wanted them off my back) Since then i requested a CCA verbally and recieved three letters one stating they had recently obtained info comfirmation that i lived here dated 11th march 2011 and another saying Regarding your query. We've contacted Jacamo and asked them to investigate your query. Although we expect to recieve a reply within 21 days, if the info we need have been archived by the original lender it could take longer. Now firstly they cleverly don't state it was a CCA i requested. and secondly isn't there a 12 day rule. This letter was also dated 11th of march 2011. (it's now 7th of april) and a third letter stating they had taken over my debt but still no CCA. Today i recieved a phone call from a bullying little toad called adam who constantly tried to twist my words and make me pay saying i'd be getting people to the house and that apparently they HAD sent me a CCA, which i haven't recieved. also bringing up the fact i'd made a few payments and that in a previous conversation with danny i had stated i thought i had paid in full. (he was twisting everything and i was getting tounge tied) I told him they would get nothing out of me until i saw 'my' signature on the CCA that i never signed etc. He told me he didn't have to send out a CCA which had my signature on it (???) i said if you don't have 'my' signature how can you prove they sent me the goods. He tried to say oh you have received goods, i said no how can you say i have if there is no signature etc. He constantly twisted my words and i got annoyed . I also requested all communication be in writing from now on and he said no we can call you 6 times a day. Is this right? i lost my temper told him to p*ss off and put the fone down, he rang back straight away saying i think we got cut off (calls me by first name) (even though i said it's miss ****** to you) and i said yeah i told you to p*ss off and i put the phone down (satisfying but wrong i know) They have rung since then but i haven't answered, it's horrible not being able to answer my own telephone, Any advice to get these bullies off my back would be appriciated. Also because i did make some payments to jacamo before can they say i've acknowledged the debt? Also i had a look at my credit file on Equifax the other day and it stated the debt is 154 quid and so does the query letter, but the welcome letter dated 23rd march states 157 quid! it's all very confusing for me. Any help would be apriciated as i have no clue what i'm doing/dealing with!