jims45
-
Posts
51 -
Joined
-
Last visited
-
Days Won
1
Content Type
Profiles
Forums
Post article
CAGMag
Blogs
Keywords
Everything posted by jims45
-
You made me smile sir:whoo: So if Cabot are dumb enough to take me to court I defend on the basis the wording of statutory requirements is illegible?
-
Uploaded again. CC agreementMODIFIED.pdf
-
Update on this: SAR from Santander has arrived most of which I don't understand however it does confirm Cabot bought the debts. There is a copy of an online bank account application with no signature and an illegible copy of a credit card agreement dated 2008 with a very poor signature that does not match the signature on my passport. Both accounts show significant charges. Is the credit card agreement enforceable as there is confirmation it has been forwarded to Cabot. Thanks and Merry Christmas to all:-D
-
@barclaycard Weird letter from Barclaycard offering refund
jims45 replied to jims45's topic in Barclaycard
Just spoken to Barclaycard....the debt is completely written off and my credit file will be marked partially settled PLUS ....75 quid paid into my Bank:smile: What a Christmas present! -
I have a credit card debt with Barclaycard dating back to 2014 and have not made a payment or been contacted by them for at least three years. Today I received a letter stating they are making a refund of £75 being an "inconvenience payment" and asking for a contact telephone number my bank details and a signature so they can make the refund. They also state: "We are now closing your account and do not require any further payments in relation to the outstanding balance. Your account is partially settled this means although there is still an outstanding balance on your account you won't need to make any more payments" Is this a fishing exercise to get my details and confirm the debt or is it genuine? Sounds to good to be true:???:
-
Cabot have written to me stating the credit card debt is unenforceable also as the original lender does not have the relevant information:oops: They also state they cannot comply with my CCA request at this time. I notice they have entered details of these debts on my credit file even though the debts are disputed I guess nothing can be done about that. I will be sitting tight and awaiting the SAR from Santander (if anything arrives). Seems my Christmas will not be ruined after all:whoo:
-
Thanks for your responses and apologies for posting in the wrong place. Santander have acknowledged my SAR request so I'm curious as to what that will show up. I see the point Santander would have tried to enforce the debt themselves if they thought worth pursuing:wink: I'm starting to relax a little now:humble:
-
Not yet but I have been reading up on DCA's and preparing myself for a battle with the nice folks at Cabot. They are currently leaving me alone so I have been doing some research, knowledge seems to be the key to avoiding the cash cow status:wink:
-
Just wondering if DCA's can get details of your income from backdoor methods.
-
If you apply for credit and supply details of your income does that authorize the sharing of your income information to third parties?
-
The advice here is priceless I would have been so stressed without this forum. Just made another donation.
-
Some news re: Current account. Cabot wrote to me saying at this time Santander don't have the requested documentation and the debt is unenforceable unless the documentation becomes available in the future, (but they would still like paying). I notice this letter appears to have come from a different department and now quotes the OL account number. Sit tight and see what happens with the Credit card account now I guess?
-
Advice taken. I will post again if they write and have something interesting to say or, when I receive the SAR report from Santander.
-
Today I received a letter from Cabot, they have completely ignored my requests for information about the Current account Regarding the Credit card they have this to say: "Unfortunately we do not have the relevant information on file so we will be requesting a copy of your credit agreement and terms conditions from your original lender as well as a statement of account which can take some time" Then the line: The account may be on your credit file and this could affect your ability to get credit, apply for a mortgage or a phone contract. Even if we are unable to supply your paperwork, this account will remain on your credit file for six years from the date the default was registered" Does this mean they are not expecting to find the paperwork for the Credit card and why are they ignoring requests for information about the overdraft? So happy I found this site!
-
Apologies to all I should have posted here first. What an informative forum, I have been having sleepless nights over my debt problems, thanks to the Cabot mob:x Feels like someone has my back here and help is much appreciated. Thank you.
-
Been doing some checking into this. Family member reminded me I had a current account separate to my main current account I thought this was closed and the balance cleared at the time of the divorce and house sale..seems not. Reading my credit file a second time the account was opened in 2010 and the last payment was in 2015 yet there is nothing about missed payments just shows a balance outstanding. Be interesting to see what the SAR from Santander shows up. Would be ironic if some of the balance is PPI payments.
-
Sorry, getting a bit jumpy I guess, never been in this position before. I will sit tight and see what Santander come up with. Thanks for your reply:-)
-
Update: Cabot have written to me again asking me to call them and stating "your account is no longer on hold", this refers to the Santander current account not the Credit card. After checking I see they have now entered a default on my credit file dated 2010. I have written to them stating all communication must be via Royal Mail and also reminding them I am disputing BOTH alleged debts, I am requiring proof of debt purchase, account numbers and details of how the balances were calculated. The SAR request has gone off to Santander should I send a SAR request to Cabot also or is it wise not to? Thanks again!
-
Update: Cabot have replied to my "prove it" letter saying they acknowledge my dispute but the reference number for the alleged credit card debt is quoted, nothing about the Bank overdraft. They state they will be conducting a thorough investigation and contact me within 5 weeks although the time frame is 16 weeks. I am about to send the SAR request to Santander but I have no details of the accounts as I have been homeless and all the paperwork lost. Cabot's letters just state "we own your accounts with Santander" no account numbers or details of any kind only balances. Thanks for your help.
-
Im on it! When I get the inevitable reply to my "prove it" letter can I post any updates here? Donation made and thank you
-
Yes last payments in 2014 and I did a search, no CCJ'S at my old addresses. So I would send the SAR request to Santander not Cabot that claim they own the debts? Sorry im so clueless I read somewhere I have to include a postal order for a £1 for each SAR is that correct? Really appreciate the help and I will be hitting the donate button:wink:
-
My old (pre-divorce) addresses are not showing and the accounts with Santander were opened approx 2005
-
Thanks for yout reply. The debts are for Santander current account overdraft and credit card dating back to 2014. I had a period of homelessness and dropped of the radar for about 2 years but have now checked my credit score giving my last two adresses and there is nothing adverse.
-
I received a letter from Cabot Financial claiming they own an old debt of mine from four years ago amounting to £7800. This debt may be genuine as I went through a very bad time during my divorce mentally and lost my business and home. I thought all my debts were settled at that time so I would like to challenge them as my credit file shows no debt. I have sent a prove it letter and would like to know my next step, a CCA request or SAR request should they persist. I have read that sometimes unsecured debt cant be enforced because the relevant paperwork is lost, is that correct? I am about to retire and have no assets. Thanks in advance
Latest
Our Picks
Reclaim the right Ltd
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS