Hi DX thank you, I have already called DL about it and the man I got though to told me they are no longer dealing with it and all future correspondence should be with moorcroft. They are not willing to listen, he said I had been given incorrect information, I thought as I had not returned the credit agreement that would be enough to get rid of moorcroft then they would have to go back to DL again. I didn't think they could collect or look at my credit file without one. LJ

Hi everyone, i'd appreciate some help please... I recently had car insurance with Direct Line for three months. They asked for proof of no claims which I sent. A few days later I received a letter to say premiums were going up by £100 a month as they had no received no claims proof, despite me posting and emailing it to them. I cancelled the policy and found insurance elsewhere as I was not especially happy about the situation. T he guy I spoke to when cancelling said I would not be charged any more as I had paid each month and cancelled mid month so they may owe me a refund for the remainder of the month which would be calculated and refunded. A couple of weeks later arrives a letter from moorcroft debt recovery stating that I owe almost £300 and they will take legal action to recover it. It seems as though Direct Line have added additional premiums onto the months I'd already had insurance for even though I sent the no claims proof. I have called DL and they said I need to speak to moorcroft now as they are dealing with it. I did not return the credit agreement to Direct Line, I still have it unsigned at home, yet there has been an 'unpaid debt' search registered on my credit file relating to this. Moorcoft are now ringing me on a daily basis, even on Sundays. I'm not really sure what to do, advice would be very much appreciated. Ljovies

Righty then, I will get the requests sent in to Cap1 on Monday, thanks guys. Will update when I get any more response letters.

I have already sent both a CCA and SAR letter to Cabot and the image I posted above was their reply. I was very clear that I was making the two seperate requests, just happened to be in one letter... so I was wondering what the next step is. I thought it was up to them to prove this debt is mine as they are the ones 'owning' it. Their letter pretty much says if we have the agreement we will send it out with the SAR request documents, so the 12+2 days seems to mean nothing? I did not know who the original debt belonged to until I requested everyting from Cabot. I sent them a SAR because I want to see everything they have been sending to me at an address I was not living at. I can prove this debt is not mine, I moved out long before the debt account was opened. So now who has to produce the agreement? Cap1 or Cabot who now own the debt? Im trying to see if they do have an agreement or not so I can see the signature panel because I know I did not sign anything. Once I have that I can then work towards getting the default removed, by either taking Cabot to court if I have to or going down the complaints route. Im really sick of this and just want to get it sorted asap. Thanks for all the help guys. Jo

Sorry if I didnt make it clear, the card I have with Cap1 right now (opened in 2006) is not the one Cabot are chasing. This card only has a very small balance and is paid in full every month. This card IS being reported to my credit file every month by Cap1 as an active, up-to-date account. The default Cabot have placed (from an account opened in 2004) does not relate to this card. They told me the debt is from Cap1, so what I was confused about is, why there is no other card from Cap1 showing on my file? With history of missed payments etc? If this other credit card they claim is mine and defaulted 2007, why is there no entry from Cap1? I'm totally confused.

Just to update, I have received my first letter back from Cabot today. My first letter to Cabot consisted of a SAR & CCA request (templates) which I used together in one letter. I told them I was disputing the default THEY have placed on my credit file and that I was requesting the CCA from them as they should already be in possession of the agreement as they have defaulted my file (am I wrong there?) Im a little lost as to the original creditor... Apparently the debt is from a Capital One credit card, opened in November 2004, defaulted in 2007. This is where I get lost... I have a credit card with Capital One which I opened in 2006, I use it for fuel then pay in full every month and they have been reporting the account to the credit ref agencies every month as you would expect. Now what I don't understand is... why is there is no record on my credit file of this other card I am supposed to have taken out? The one Cabot are chasing me for. There is no history of this card/account/late payments nothing on my file relating to it whatsoever. Just the default from Cabot? My account with Cap1 is in very good order so i'm confused as to why they would not report this second card I still know nothing of. Anyway, I have included their letter for anyone to cast eyes over. This was their response to my dispute default/SAR/CCA/CPUTR letter. Where do I go next with this? Ljovies

I suspect they have probably been trying to collect at my old address? Well.... letter has just left to Cabot today, via special delivery. I have used the 'proove it' method and I await to hear from them as to who the original creditor is. I'm thinking the account they are trying to collect on now must be over 6 years old. There are no missed payment entries or history of any missed payments from a credit card on my report so it must have dropped off. Even though I assume the account must be over 6 years old (so they cannot collect on it?), the default still has another year + 7 months to go before it drops off so they must have waited some time before applying the default. Anyway, it should all become clear soon and I will keep you posted. Jo

Hi Alan, I was not living at the defaulted address at the time and had not been there for some months. Cabot are still refusing to remove the default and they have now passed the debt on to 'Scottcall'. Despite this I thought as Cabot have placed the default, then it is Cabot I have to challenge remove it? Regardless of who they have since passed this debt on to. I have a feeling they are just sending me in circles. I'm planning on claiming the last 5 months rent I have had to pay from Cabot too at £780 a month. This default has caused our house sale to be put on hold and every penny I have to pay in rent as a result of this I will be chasing them for. Shoe well and truly on other foot let's see how they like that. Just getting a letter together today, so I can establish who the original account owner is. I can also proove I was not living at that address at the time the account was opened - so now I'm quite looking forward to this fight.

I see that's useful, when would the 6 years apply from? 6 years from the 'start date' (unsure exactly what that refers to) or the default date? Jo

Thanks guys, Don't feel so helpless and alone having found the forum. I would have expected to see a credit card reporting late or missed payments on my credit file relating to this so-called debt Cabot have defaulted so I'm still baffled? I'm not familiar with statute barred, is this relating to the date they claimed the debt or six years after the default date? Jovie

Hi Brig, I have checked on both Experian and Equifax and the only info showing on the default is: Cabot Financial UK Ltd Started Nov 2004 Defaulted on April 2007 Account number XXXXXX58 Cedit card/store card This is the only entry in relation to the debt, there is no other entry from any credit/debit card company showing any late payments. Just this default from Cabot.

Thanks citizenB, I was afraid of that being the case. I really don't have a clue what the debt is for, my ex partner lived at the address long after I left, he could have applied for something in my name, that's all I can think of, but either way I know the debt is not mine. I can't have this hanging over me for months, we need to move so our little girl can start school. I just need to find the quickest and easiest way to kick this company into touch and get them to remove it. Having read some other posts about Cabot I think i'm going to have quite an ordeal on my hands. Experian said they would forward any supporting documents to Cabot for me but I'm sure I'll get a reply from Cabot asking for proof of my current address etc. I want to get everything boxed off and sent to them in one go so there is no weeks of waiting for replies to and fro. So SAR and CCA? I'm baffled as to how they can do this to me, without me knowing anything about it!

Hi everyone, Would really appreciate some advice on what to do next... Husband and I applied for a mortgage back in May this year and it was declined, so I checked my credit file and noticed a default had been placed by Cabot Financial (UK) Ltd. Balance was around £1100. Started Nov 2004 Defaulted on April 2007 I was not living at the address at the time they appled the default, so I did not receive anything from Cabot warning me about it. First I knew was when I checked my credit file. Haven't a clue what this debt is. Having no idea what it was for I contacted Experian and their fraud investigations team contacted Cabot on my behalf. Cabots response to Experian was that they had now passed on the debt to 'Scottcall' and that I should ring them. Surely if I'm disputing the default Cabot have placed it is up to Cabot to investigate? I can't believe they have fobbed Experian fraud investigations off so easily. So, I'm not really sure what to do next. I thought they had to notify me in writing before they could place a default on my file for 6 long years? I have been looking at other posts here and considering going down the CCA letter route, but that would then give them my new address and I don't really want these people to have it. We are now stuck paying interest on the deposit we've taken out and having to pay rent until I can get this default removed. Banging head against a brick wall now, not sure where to go with this or how to proceed . Any help would be much appreciated.