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Everything posted by TheUnknownStuntman

  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.
  13. but I thought by being in contact with me about the loan that prevents it going back statue barred, the debt is now over 6 years old. Thankyou for replying.
  14. I didn't send wescot a CCA request, can I not just ignore Cabot like I did wescot ?
  15. Hi Guys, Need your sound advice again, The Mrs got into trouble paying her credit card and spoke to lloyds and arranged to pay Lloyds back £5 a month. This was a few years ago. Then Wescot starting sending her mail but we ignored it. My Mrs still pays Lloyds back £5 a month however recently she got a letter from Cabot asking her to contact them about the debt and they have taken over from wescot. I tore up the letter thinking its just another DCA. Now they have been attempting to ring her. She is worried how they got her mobile number. Did I do the right thing? is it just another DCA trying to get her to pay more. Like I said she still pays Lloyds £5 and hasn't missed a payment. Any help would be greatly received, Thanks
  16. No, they said I have already had a refund which I clearly have not and they just became awkward about it. I have a ppi company chase them but they wanted me to prove they owe me money.
  17. Sorry to drag this back up but I have now stopped paying them and the default has dropped off, however Natwest still send me an account summary every six months because they are to do so by law or something, Because they are doing this, does this stop the debt becoming statue barred ?
  18. Morning Guys, I know this is off topic but I am wondering if you kind gentleman can assist me once again. RBS have replied to my PPI claim saying that I cancelled in the cooling off period and got a refund, I have no recollection of this and basically they are saying that if I want to contest it then I have to prove it. I have attached a copy of the letter. again I have no recollection of cancelling it, let a lot taking out ppi in the first place. what options do I have if any ? Again guys, thanks for all your help with everything.
  19. Thanks so much guys. just a quick question. Do banks always reply to a ppi claim or can they ignore them ?
  20. Good Afternoon everyone. As the title says, My wife was struggling with a credit card with Lloyds which she contacted them and they started the process of stopping the card and put the account into default. recently she got a letter from Wescot saying that the debt is now being managed by them. She recently has just started a new job and got her first wage. spookly, acouple of days after, wescot have texted her saying please get in contact so we can review your account. she is scared that they have seen money come in and she worry's about anything and I have told her to ignore the text but just wanted to make sure. We are not even sure how Wescot have her mobile phone number Thanks Guys
  21. I sent a PPI claim letter to Natwest 3 weeks ago and have heard nothing. How long do you normally have to wait? Will they actually reply or just ignore it?
  22. Hello, thank you for you reply. Can I ask how you went about claiming PPI against the default with NatWest. NatWest have confirmed they don't have enough data on the actually loan so they wont know whether I did or did not have PPI ? Thank you
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