sent off for the SAR

still haven't heard anything from them but

today received a Cabot letter saying as they haven't heard from me they will instruct a company called resolvecall to visit my home.

should i be worried about this or is there a generic letter i can send to cabot 

is that a subject access request ?

just for my curiosity why am i requesting this?  and what do i do when I receive this info?

cabot have started calling me but leave messages for me I've avoided them for now do you suggest I send them anything?

I'm sorry I'm using the clearscore site

the experian one tells me nothing without paying

all i see is the card name and number

it says in default

but there is no date

then the amount

and below that a calendar depicting on time/missed or no data

it the then say the date opened and the date updated

is there another that could give the date you'd recommend

19 hours ago, London1971 said:

What's the default date? It should be on your Credit File

shows as June 2014 when payments were missed but shows as in default but shows a date of 2015 when it was updated

6 hours ago, London1971 said:

Is it still showing on your Credit File?

yes 

i did but for the rest but for some reason RBOS haven't altered it on th clearscore app it still shows my old address 

I have had a letter from RBOS saying they have assigned my debt of £3600 to Cabot however it must be at least 6 years since i did anything with this debt, the letter was sent to my old address.

i have had a look around on the site but cant see a FAQ to do with these issues ( probably me not looking the right area) 

.

can anyone advise me on what the next steps are as i assume this debt may be statute barred ?

but im loath to ring Cabot and go through any details with them and would rather do it via letter.

as back ground

i have other debts with other banks and currently have CCJ obtained via backdoor so im obligated to pay that debt.

also did a stepchange thing that showed i have no other available funds to pay these other debts off.

any help appreciated

so unless there's a valid reason im stuck with having to pay the debt ?

do they have to prove I own the debt i.e. show signed proof with my signature etc.as I cant actually remember aver taking it out ( as opposed to the others I have which I am aware of)

sorry do you mean to late to do the CCA thing ?

rang Northants and apparently its a M&S account thats has been bought by arrow

they said paperwork was sent to me

but the flats I lived in is not the best for deliveries of post as for the other debts

I've just ignored them until they become an issue and looking at my credit file.

should I do a CCA request  for the Arrow or directly to M&S credit card and in the case this would be under section 78 ? correct?

I was also advised I could if I dispute the credit card debt apply to have it set aside for £255 is this worth doing?

thanks for the help 

checked my credit file and have 2 items for arrow global ( one opened in 2007 and another in 2014 along with other cc debts that im aware of)

when I look into the details of the CCJ it lists my old address and also my wifes name as connection

( her ex husband was a bit of a dodgy character and we thought hat he had taken some loans out in her name in the past) so....what do I do now?

hello I wondered if anyone could help/advise me on the letter I received this week 

last couple of weeks I've been receiving phone calls from Drydens Fairfax solicitors they have left messages for me to contact them

( I haven't as id never heard of them )

when it last rang a person wanted to talk to me about an issue

when I asked what the issue was they refused to tell me unless I confirmed I was Duffblade

I neither confirmed or denied who I was

as to be honest it sounded dodgy and blocked the number.

I have come home today to find a letter from said solicitors saying the below

Quote

 

Dear duffblade

 

our client: arrow Global Ltd

acc number:**********

outstanding amount over £4K

 

we refer to the above matter and the county court judgment entered against you under claim number ******** on 6th October 2017. the amount outstanding is currently ££££ and our records indicate that you have failed to reply the sum owed to out client or contact us to discuss the matter.

 

blah blah contact us arrange a repayment plan on blah blah

 

should you fail to make payment or contact this office within 14 days of the date of this letter, enforcement action may be taken against you using one or more of the following methods depending on your circumstances.

 

1. warrant of control: A bailiff could visit you home to remove the goods to the value of the debt

2. attachment of earnings order: your employer could be ordered by the court to deduct monmies outstanding direct from your salary

3. charging order : if you are a homeowner a charge which would secure the debt against your property could be obtained

 

the thing is I have no idea what this debt is for or what it is for

ive never signed up to Arrow anything and

I've never received any notification of any County Court hearing

can anyone help me as I must admit this has come as a bit of a shock 

thanks in anticipation

duffblade