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About Gwolst77

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  1. Hi everyone. now it looks like the war is finally over and I won all the various small battles, thanks to everybody who has given advice and a donation is on the way as you are all stars for what you do. Just one thing outstanding, how do I go about removing the Account Query Cabot have left on my account from last year as its still there? The debt was statue barred 13th March 2019, but they insisted that it was 20th May 2020 due to the 'unknown payment' hitting my account that was recalled/refunded back to the account that had made the payment a m
  2. Yes I understand that, my point is why is the account still be reported on 6 years after the default date has passed regardless of the SB date. The default expired 4th November, Cabot put a query on the account the 7th November so it is still showing in my history, my question is why are they doing it?
  3. Hi all Update, so they still have not provided any statements/documents etc regarding the account (I have the original SAR though) and since the beginning of October I have received a letter stating that they believe the debit is not SB because a payment of £340 was made April/May 2014 (this is credit and refund mentioned earlier in the thread). They have so far not received the statements etc from the bank but will forward them on due course, but if I should contact them to arrange a payment plan. I have since had a offer of a 50% settlement and then last week a 75% se
  4. Last payment on the account was mid March 2013, so yes about 9 months till they defaulted and closed the account. For a good 4 months before that, the account was in serious arrears with just little sums of money going in sporadically but they kept on racking up the OD charges each month which far out weighed any credits anyway.
  5. Thanks DX Default date is 11th November 2013 (when the account was closed)
  6. Hi. I have an alleged debt for an overdraft that was sold off to Cabot a few years back, the debt according to my account statements (I did a SAR) was SB in at the beginning of this year and the default drops off at the end of this year. Did all the usual things like ignoring the fishing letters and the odd call. However today I got a unexpected call from a landline and answered it thinking it was somebody else, it was Cabot want to speak blah, blah, blah. I asked what it was in connection with (knowing what it was actually about) and ended up telling t
  7. I'm currently in the middle of reaching an agreement with them I have solicitors involved. This agreement once signed off should hopefully put the matter to bed, I am very happy with proposed agreement but it will be subject to a NDA once finalised.
  8. Thanks Andy, it does seem they are waiting for me to admit to the debt and come forward with some sort of offer of payment. So I will keep stum for now until I have to respond. If they do lift the stay, at a high level what are the next steps for me?
  9. Sure, I won't bother with account transaction history dump has it's just dates of payment dates and what was ordered etc, and is over 10 pages long (and everything looks in order) docs1.pdf
  10. Not sure what you mean by you post sorry Nothing is redacted in what they sent, I removed any personal information from the covering letter. But I have recieved 1 page of the signed CCA (photocopy but the signature looks correct) multiple pages of the account transaction history Copy of the NOA from Next Copy of the NOA from DMA
  11. I did all the steps and the claim was stayed. I then received the attached PDF late last week, it's a photocopy of the signed CCA, an account dump of transactions and the notice of assignments. Now that they have proved ownership of the account (and the CCA was signed in October 2014) am I right in now assuming it's time to go back with repayment proposals? I was thinking of offering a full and final settlement figure at 75% of the total amount outstanding. Restons - Next CPR.pdf
  12. ??? I don't follow you on the last bit of your post Regarding the CCA, if you go back through the thread somebody said to look at the CCA to see if there is anything about them being able to use the overpayments pot of money I had accrued to service the minimum payments for next 6-7 months. My game plan is to a least get the balance reduced before agreeing a repayment plan, so I need to identify failings/breeches etc on NRMA's part which I can use to help me reduce any monies owed
  13. How does that effect enforceability via the courts? I remember seeing the BBC article a few years back, does make things easier for me or more difficult for me when they (or a DCA) start playing hard ball. Will scan upload the documents relating to the CCA on Wednesday once Xmas is out of the way, but is CCA worth the paper it is written on?
  14. Update, the SAR dropped yesterday I've just had a quick look at it (but I'm not going to think about it over Xmas to much). I plan to upload the CCA to see there is an provision of them being able to use the pot of money from the overpayments to service the minimum payments. One thing I did notice, is on the print out of the internal system notes it states no Default has been issued as the sum is over £25,000 can anybody explain why that is? Also is there anything else I should upload and share that may help me?
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