A stock letter or, a stock letter that could be amended would be ideal for me as my letter writing skills aren't the greatest. I had trouble cancelling the free trial in the first place and got talked into (like a mug) keeping the service. Not once was this ID theft insurance malarkey mentioned.

Thanks for the reply. I've got my letter all typed out so will let you know the outcome.

Thanks for moving the post.

Would it be fair to say then that they would now be in breach of CONC 7.15.7 and CONC 15.7.8?

I'm guessing here as I can't find much information since the OFT was taken over by the FCA.

Other than the direct stipulation in the CCA request letter that the postal order wasn't for anything other than payment for processing the request, is there any statute or order that should be pointed out to them?

Just realised I've posted this in the wrong sub forum!

Is it possible to move it myself or does it have to be done by admin?

Morning guys and gals

I've had an ongoing issue with Cabot and what I considered to be a statute barred debt.

I've waited out the clock till the date THEY claimed it became statute barred.

I've fired off my final statute barred letter to them but, in the meantime I've received a letter from Akinika stating the debt's been passed on to them by their client 'Cabot'.

I've also this morning received confirmation from Cabot that they've received my letter but, they're saying that a £1 payment was made and this has started the clock again.

Now, I can prove that's the payment for the CCA request so, what should my next move be? Report to OFT? Is there a template letter to send to Cabot to close this once and for all? What should be done with respect to Akinika? Are they going to be under the impression that the debt is active?

Its been a while since I heard anything from cabot.

I recently sent them a statute barred letter.

they've responded stating that as the account defaulted in may 2008, it's not statute barred.

Can I get a bit of clarifcation dx100uk?

When you stated above:

Do you mean the last purchase on the account as last financial transaction?

It states:

MISSING PAYMENTS

Missing payments could have severe consequences and make obtaining credit more difficult.

That's it in its entirety

thanks for getting back to me. From what i can see in the terms and conditions there is no mention of Cause of Action. I dont have access to a scanner until back in work so can't upload.

What I can see is that they have added £100 of their own interest past the default date.

With their not being any mention of cause of action in the t and c how would you suggest I play this?

Merry Christmas everyone. I have an outstanding debt that's been passed to cabot which I believe is statute barred. I've already fired off two statute barred letters to which they have replied that they belive it isn't.

To cut a long story short, the credit card was taken out, transactions made but, no but no payment ever made as i was made redundant.

the first late payment charge on the account was on the fifth of november 2007 with the account going into default in may 2008. This is the date that cabot are claiming the statute barred runs from.

is this the case and if not when does it start from?

So, from your information then would that mean that the last transaction date is 28/09/07 leading to being statute barred 28/09/13?

I'm still at a loss as to what you mean by 'do some spreadsheets'

That's right, there were no payments made on the card(it was the one thing I forgot to keep track of when I left the country).

If the default date on my CRA file is 30/05/08 then shouldn't the statute barred date be 30/05/14?

Is the PENALTY CHARGE and ROP a simple case of requesting they remove the charges?

the default date on the credit file is 30/05/08

As for the default charges and ROP I wouldn't have a clue where to start in getting them back

It was an online agreement yes.

According to the T & C they can 'transfer this agreement or any of our rights or responsibilities to any person or company who is licensed under the consumer credit act'

The owner according to the CRA entry is CABOT.

After looking at the info that they sent back it states on the first page that 'As we have now complied with your request for information, we are able to enforce the credit agreement, which you signed and entered into'

Looking through the info there's no signature in there at all. Does this mean that it's NOT enforceable?

Hey guys, was just wondering if anybody had any further insight into this as this morning I've received a further request for payment off the back of them supplying the CCA info

I've finally got my act together and scanned the docs in.

Just looking at them whilst I was doing I noticed that they've taken the £1 PO for the CCA and applied it to the account

after I expressly stated in the request letter that this was not to be taken as payment against any perceived debt owed.

The account defaulted on 30 May 2008 with a balance of £348 according to my credit report

but Cabot have started to add interest from 13 January 2009 totaling £103 to bring the 'owed' total to £451.50.

I also note that nowhere in the supplied documents it there any instance of a signature linking the account to myself. Is this needed?

It's for a Vanquis credit card.

I'll have more info when I get in from work.

Off the top of my head though, it defaulted in 2008 at around £340

but, continued to accrue interest for a further year.

From the transactions page of the CCA request I made I noted that along side the interest charges was the name Cabot(who I'm now dealing with in this matter)

Hey guys

not sure if this is the right section to ask so, if wrong then apologies.

All I wanted to know is,

when a credit card account defaults,

are the company allowed to continue to add monthly interest past this date and if so,

does it need to be paid when making an offer of payment?

cheers

update on this one then. Finally got the action taken that I wanted after emailing the CEO of O2. They've wiped the debt and put it down to fraud. Letter received from Lowells saying they've cleared the file and O2 has cleared the mark on my credit file.

Are there any templates out there for post prove it letter responses? I'm not at all good with the technicalities so don't want to write something that makes out that the account is mine in any way.

CRA file checked, checked and checked again and, there's no sign of any O2 entry or and entry for the amount being claimed by lowells

Here we go again then. PDF attached

Well I received a reply this morning but, I don't see how this proves anything at all. Lowells are now demanding payment because they have 'proved it'. Have they??

[ATTACH=CONFIG]42231[/ATTACH]

[ATTACH=CONFIG]42233[/ATTACH]

[ATTACH=CONFIG]42232[/ATTACH]

Yes I've been back in the UK for 3 months. I left the UK in October 2007 and was out of the country until November 2012.

They've given me no information as to when the account as opened or any payments other than the outstanding balance that I 'owe'.

The very first letter I received from Lowells started 'you were recently informed that your O2 account was sold to Lowell Portfolio...' which is news to me as that was the first letter that had been sent to this address.

I'll fire off the prove it letter as advised and, I'll also be requesting the return of the £1 for the CCA.

Hi guys

This is the second time I've had to post on here due to my stupidity a number of years ago when I left the country

(not intending on coming back) for a new life abroad. I left a few debts here though.

However, I recently received a letter from Lowells claiming that I owed O2 £588.

To my knowledge I have never had an O2 account as the very fist mobile I had was Orange and I've been with them either on contract of PAYG ever since.

I sent off my CCA request and it was received on 19th Feb ( confirmed via Royal Mail)

However, I have today received a letter from Hamptons legal Dated 20th Feb stating that the account has now been referred to them as I haven't paid my outstanding debt.

In the letter then threaten CCJ's, Attachment of earnings and bailiffs.

What on earth should I be doing here. Do I send another CCA to Hamptons even though they are part of Lowells?

thanks for the reply. Think I'll leave the request for the £1 back. Don't think I want to stir the hornets nest