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ismylife last won the day on October 9 2015

ismylife had the most liked content!

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About ismylife

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  1. But why treat it any differently? If they cannot provide the information on a CC request, as Cabot cannot, then they cannot proceed with a claim?
  2. So, would I not even send the next load of sewage dwellers another CCA request because they would not be able to prove the debt so could not proceed with anything?
  3. So this presumably means I cannot challenge their decision? If they do sell it, how best to proceed after that? And - they haven't returned my £1 either!!! Another thought - if they have failed to provide the required documentation, and they cannot or will not provide evidence that their own acquisition of the debt was legally carried out, surely they don't have the legal right to sell it on either?
  4. Well, I'm in there now and the first thing I've found is there is still a very old store card account which has been updated on 29 Feb (zero balance) which was supposed to have been closed something like 10 years ago - Creation Financial Services???? The next thing is a search showing from two companies I've never heard of and for nothing I've applied for Insurance Initiatives Limited (Iq) http://Www.Iil.Co.Uk/Consumers They searched this year at the beginning of Jan and last year on Jan 30th! And I've searched everywhere but there is nothing showing about
  5. Ahhh - not sure what you mean by that. Is this when I have to go back to something like Experian or Equifax and look at my file again?
  6. An update here, in case it is of any help to anyone else. I finally got so fed up of being bombarded with the same utterly insensitive and totally inappropriate template demands, the threats, the mess of broken promises and essentially the fact that the different departments were clearly failing to communicate, i put in a complaint to the FOS. I detailed very carefully why I was complaining - ie that the way they had handled my account, totally confusing when one department said one thing and another dept said another, failure to be clear in their comms etc.
  7. Update I received a very nice letter from Cabot (seriously - not a euphemism) in which they state that they cannot obtain the further documentation I requested (CCA) from the Co-op due to the age of the account. So, taking this, my health and financial situation into account, they have decided to accept the payments I have already made since they acquired the debt in partial settlement. My credit file will be updated to show it has been partially settled, I will not have to make any further payments and the account will be closed on their system. Now, I know this means the
  8. Well, I have dug up the proof too so crossed fingers, and eyes, I'll be able to push for this one to be resolved before too long. I have to go as I am not supposed to sit at the pc for very long now as it causes me health probs but a big thank you all, again!
  9. Oh lordy - that wretched wrong button strikes again. But surely Cabot would know, as professionals with long term working with the Co-op, that the account number they have is not just an ordinary current account? I'll give it careful thought how to handle this next and hope the magic is still working for me.
  10. Hugs and kisses to you all - off to compose my response.
  11. Oh frabjous day Bloomin wonderful I've finally got it ........................................................................................ and Cabot haven't!
  12. This is a ruddy nightmare for me to get my brains around, but here goes. The Co-op "amalgamated" the two accounts (current account and Loan account) in September 2008 and "transferred the balance of the Loan Account to the Current Account" and subsequently sold that one debt in 2013, which they called the Current Account to Cabot. BUT - I've looked through all the bits of correspondence I can find from the Co-op to get to what I think - God I hope I'm getting there - you are talking about. So - in a letter from the Co-op dated 11 October 2008, they clearly have both the Loan Ac
  13. I don't have a way of putting up the letters here - no scanner or anything. The first letter confirmed the agreement with FOS that the Credit card account has been written off and that they've closed the account. With regard to the "above" account (which they insist on referring to the Current Account) they are willing to review the matter further once they have received up to date evidence of my ill health and details of my income and expenditure. They were sending a form separately for me to complete my income and they've placed my account on hold for 30 days to give me time to pr
  14. Oh drat - I've done it again - clicked on the wrong wretched button and lost my reply! GRRRRRRR Hang on and I'll try againl.
  15. An update and would be grateful for some more info if possible The FOS got Cabot to finally agree to write off the debt which they cannot legally enforce, so that's confirmed and one finally out of the way. This then leaves the other debt which was mostly the Loan account, which the Co-op amalgamated with my old current account overdraft to create the one debt, initially 'handled' by Fred Int before being sold to Cabot. So, to get my mind clear again after so long, can I challenge this as still being mostly the old Loan debt and therefore require Cabot to provide the relevant do
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