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About TheUnknownStuntman

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  1. Thankyou so much dx100uk for all your help and replies, it is very much appreciated.
  2. After sending Cabot another CCA request, this time with their reference number they have replied with a letter saying we are trying to locate the documents needed from the original creditor, that being Lloyds. It says they will be intouch again shortly to let us know how they are doing. Cabot has now appeared on my wifes credit file with missed payments because I told her to stop paying Lloyds.
  3. Scared that someone will come to the house asking for the rest of the debt or a letter taking her to court. Its been over a month since the CCA was sent and we have had no reply from Cabot in response to it. I seriously doubt they have put 2 and 2 together and don't realise we have sent one because the reference / account numbers don't match. however they have texted asking if we got the offer letter and to contact them regarding the offer they sent us.
  4. Thanks for the reply dx. What do we do now? My partner is still paying lloyds back the agreed amount every month but shes scared to cancel it. From what we have heard is that lloyds are forwarding the payment on to Cabot. Thanks for you help
  5. I sent the CCA on the 18th of March and the only correspondence I have had from Cabot is a letter offering to clear the debt by only paying a third of it. I am concerned that they have not put two and two together and do not realise the CCA I sent is from us, if that makes sense. The only reference number I put on the CCA is the original credit card lloyds account number. I didn't use any of the ones the Cabot have for us. Other than that is our first and surname on the bottom of the letter. Maybe I should write back asking for an update on the CCA but include their reference numbers ?
  6. Received this letter today. Theres 2 accounts numbers on the letter, one is with i think theirs account ref no and the other is original account number which is not what we have the original account number has. The CCA request has the proper original account number on. Do I still ignore and wait for something regarding the CCA request from them. https://www.dropbox.com/s/873eiz1348xtkiv/web.png?dl=0
  7. Cabot have sent another letter today, it says that they are aware we have been paying lloyds and to contact them to redirect the payment. Im hoping they get my CCA letter and put 2 and 2 together as the only reference is the name on the letter and the account number. i didnt use their reference number. I guess i do nothing and wait still. Letter was sent in the 17th of this month. Is it 12+2 days I wait ? Thanks again for all you help.
  8. Thankyou, i have sent the £1 PO uncrossed and blank, that is correct ? I have been having a good read. Thanks for all your help on this dx100uk, I really appreciate it.
  9. So I sent Cabot a CCA letter today, what do I expect to happen now?
  10. Thankyou, so lastly is it possible that this debt will go to a DCA, (Debt is over 6 years old now and Natwest are unable to provide the original terms and conditions). I have read that if a DCA does a check on you it can effect your credit file negativity. I have managed through hard work to get my credit file back up to excellent after natwests default has now dropped off.
  11. ahhhh OK, thankyou for all your help. I will send them a CCA and await response and again thankyou.
  12. Thanks, I have binned their letter, I guess I just send a CCA template letter to Cabot offering the same amount every month and safe to ignore phone calls ? again thanks for all your help.
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