Dx, OK, understand. I will send them off a letter in non template style. Thank you again!

Dx, Ive read your reply a few times and im probably being naive but is that an actual template i should use for a letter back to them? The phone calls have stopped, that letter i posted on here was also the last in writing... So, do i send a letter in waking up the dead or hang fire until something received in the post. I would love to get monies back though i must admit from Cabot if that was a real chance of happening?? tfsmat

10Apr2013...reply received from Cabot (after i requested the original signed agreement).. Dear Mr, Your Query. We have duly noted the information you have given. Due to the age we are unable to obtain a copy of the credit agreement. However, halifax did advise us that this account was opened in your name on 16Mar2004 and did not default until 16Mar2005 with a balance of.... Statements would have been sent to you at your previous address while the account was open. Halifax have advised there was no dispute raised at this time. You shall note that your have previously made payments to cabot towards the outstanding balance on this account and agreed to plans being set up on the account. These payments consitiute a clear acknowledgement of your responsibility to repay the debt. is it clear that you acknowledge the responsibility for this account. We hope this clarifies the matter, we request you contact us within 14 days to discuss your repayment options. Should we fail to hear from you our collections department may contact you. Yours sincerely.... ** I told them i only agreed to set up a payment plan for fear of being put into court and protect my credit file. Is this a standard letter to receive? I am still getting the calls daily. Any help appreciated.

I don't have the paperwork that's the only problem

Thanks for the advice Allison!! I too feel like a fool but at least that has stopped now. Quite loking ofrward to taking them on with the phone calls now.

No wonder they keep asking me if i would like to claim the PPI back on this with them!!! By the way, because i defaulted on this loan does that mean i cannot complete a PPI claim? I remember distinctly the agent at halifax advising me i could only have the loan if i took the PPI. So definately mis-sold.

Cheers for fast reply Dx, Three Questions; 1). Can they enforce further action without providing original signed agreements etc?? 2). Is their a deadline in which they have to reply to me? 3). If they dont reply at all do i simply ignore the letters/calls. Thanks! Loving the term cash cowed...just googled it.. Feel like a fool!!

Hi All, New to the forum and first post! Hope its in the right place Basically took a loan out with Halifax for 10K in 2004. Mis-sold PPI etc and defaulted in 2007 on the loan. Cabit got hold of me in 2009 and said i owed it to them etc and i panicked (because of the ridiculous threats to court etc), arranged a payment plan with them and here we are today. I recently looked into the PPI claim and contacted Halifax but they have no record of me and suggested i stopped paying cabot until they provided evidence that i owed this loan in the first place. I wrote them a letter asking them to provide documentary evidence for this alledged debt to which i am still waiting for. The phone calls continue every hour practically. Have i done the right thing and is their anything else i can do to contest this debt?? I cant find this on my credit file for the last 6 years either. Brgds Mat