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Jotty13

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About Jotty13

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  1. Yep i've done that! So it's not worth me contacting them to advise that it is a managed loan and not a current account? Also, is it still worth me sending my completed SAR, so I have everything should they go down the CCJ route? Thanks so much for your help, it's really appreciated
  2. I'm so sorry dx100uk i've only just seen that you replied. I read your reply the wrong way and thought you meant write to them to confirm my address. I have read up and will get a letter sent to them. I have also logged into my Cabot account online and note they have my address displaying correctly on there so I hope that will stop a back-door CCJ.
  3. Ah right ok, what should I put in my letter to them?
  4. Sorry, yeah that's when I think Cabot got it.
  5. They closed my account back in 2001 when they sold it on. I've not been with them since then.
  6. Yes they have the correct address now, since the beginning of October. I've no idea where they got it from - possibly one of the free credit checking sites? No, I definitely didn't have an overdraft that big - feel a bit dim that I hadn't realised all this before
  7. Will do, will that also show if ones been applied for but not yet issued?
  8. I'll defo follow the advice - it's much appreciated Is there any way I can check if a CCJ has been applied for? and shall I just go ahead and ignore them whilst sending off the SAR?
  9. Blinkin heck - swines aren't they! No I haven't had any communication with them since 2013 - apart from an email they sent me in February this year, asking me to set up a payment plan, after I changed from paying standing order to postal order. I think I logged into my online account - stupidly! I had a payment plan set up as per their 2013 letter so I just ignored the email. Oh no, a backdoor CCJ worries me - i've worked so hard to restore my credit file and want to buy a house next year so this is a bit of a concern. Would they not have to give reference to a CCJ in the 3 letter
  10. Oh wow thanks guys - won't lie, just nearly shed a tear of joy at their wrongdoing!! This is the final millstone (all other debtors accepted a settlement figure in 2002) that came from a nasty relationship and I would be overjoyed to not have to worry about it any more. I'll send the SAR off to First Direct then, so i've got all the info I need, and just ignore Cabot for now. Thanks again for your help
  11. Thank-you for the responses I have just been fighting through my understairs 'cave' to see if I could find any old paperwork and have come across something more of a timeline - seems the debt is mostly made up from a loan and not overdraft fees at all - this is what i've found: 22/11/2001 - Letter from Robinson Way on behalf of First Direct chasing original amount of £4899.03 20/02/2002 - Letter from DMA (not sure who they are) with a payment agreement of £20 a month. On that letter i've written loan - £3214.59 & C/A (presumably current account) £1331.57 I've also rec
  12. Hi, I have read through a number of posts but only managed to confuse myself more, so thought i'd better just post. I have an old HSBC Current Account that I think was sold on in around 2000/2001 (memory a little hazy) to a DCA (but I cannot remember which one) and I paid them £1 a month. Around 2013 Cabot bought the debt and I continued to pay £1 a month. This was a joint account which they refused to acknowledge, said it was only in my name and they had no record of my partner on the debt - great! So fast forward to today. I stopped paying them in July thi
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