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Kent1964

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About Kent1964

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  1. Hoorah ! I have now batted the Adams card/Duet/Cabot away - no CCA in time and a letter to admit they cannot legally enforce the debt but apparently I still owe them Now for Arrow Global/Capquest regarding another old debt from Argos Home stores - purchased not from Argos but from Bryan Carter - a dodgy looking letter from Argos Card and then the Capquest paper work. No address to issue a CCA ... Do these guys all talk to each other ? own each other or is it a sign of the times ??? Again this debt goes back to 2005.... If anyone knows the best address to send a CCA t
  2. Thank you - sorry to seem uneducated on the matter - which is not true entirely, as I spent a decade keeping the bailiffs from our door and writing to credit card companies... 8 years on I don;t really want to start again in my new life! But heyho... Best wishes to all and thanks again for your reassurance Helen
  3. Thank you. and if I don;t receive the CCA within the 12 +2 days ? (that would be 30th July form my calculation) I can tell them to go away ? or just continue to ignore them ? BW Helen
  4. I sent a CCA to Cabot on 6th July today, 10 days later I have received a letter (apparently sent on 10th July?) telling me they currently do not have the relevant information on file but have requested a copy - which may take some time and they will update me within the next 12 days... Then they go on to say that in the meantime I still have an outstanding balance with no repayment agreement in place (which is true as the agreement was with Clarity and they returned my payment every month form March this year - having moved the debt on ..I assume) I am wondering w
  5. Thank you all I will get onto this - after my school reports. If Cabot and Clarity are the same why bother to pass the debt around? I knew something was up when my monthly £1 started to be refunded to me - in the end I cancelled the payment . I have no store card reference number so I will have to use my name and then address.. It i a mess as I left all files behind and took the bare minimum when I divorced 7 year ago... I left payment agreements on Standing Order in place in my bank account, where they were in my name. My ex died 6 months lat
  6. It was made on 10/02/2020 to a company called CLARITY - Cabot have sent me a letter today including a “opening balance” of £748.47 dated 14th August 2019 and then showing monthly payments to February 2020 . So apparently I am still owing £742.47 Scary as I know I could never spend that amount in children’s clothing and was quite cautious with cards in my name as we were already struggling financially 10 years ago . I have made payments of £1 over the years thus agreement goes back probably 10years and was set up with clarity debt collectors . the £1 per m
  7. It was made on 10/02/2020 to a company called CLARITY- Cabot have sent me a letter today including a “opening balance” of £748.47 dated 14th August 2019 and then showing monthly payments to February 2020 . So apparently I am still owing £742.47 Scary as I know I could never spend that amount in children’s clothing and was quite cautious with cards in my name as we were already struggling financially 10 years ago . Also I was not a tax payer for many years so any credit/store card was given based on my husband income at the time ? I would assume ? He died ov
  8. Hi I am being chased by a debt collector for over £700 on a store card I once had (opened in 1999) it was a store card for Adams clothing called DUET . I certainly never spent that amount of money on kids clothing ! After many years of financial difficulties and agreements in place - I now have a good credit score . Apparently I was paying £1 a month but clearly some mega charges were loaded onto my account - the details I do not have . i suspect Cabot have purchased this debt recently and therefore have traced me to my new home address (been here 4 years ) . I hav
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