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  1. Hi, Everyone was so helpful with my last issue I am hoping for a bit more advice. About three years ago I had a regular window cleaner company but they starting playing around. Firstly by randomly turning up to do the windows earlier than expected then one time they opted to come round and climb over my fence to do the back windows whilst I was out. Then the fun started as they claimed to have cleaned the windows on two separate occasions but it was apparent they hadn't (the birds mess on the kitchen window was the clue) and they tried to bill me for the clean. After two occasions of not cleaning the windows I stopped the direct debit system they used (go cardless) as I refused to pay for something they hadn't done. Queue the various demands for payment which I ignored. They sent letters in the post asking for £60 and a year ago said if I didn't pay they'd send me to the debt collection agency. Today, I get a letter from elite debt collection in Sunderland asking for £72 for the window cleaning company as they are now acting for them with the popular if I don't pay in 7 days it's off to court threat. Firstly, as there was no signed agreement in place with the window cleaner firm can the debt collector add a fee to the alleged debt? Secondly, can they just rush off to money claim and take me to small claims without a letter before action? I'm quite happy to defend if they did as they didn't clean my windows no matter what random invoice they may have on their systems. Thank you
  2. Crapquest did continue to call and send letters after I sent them the SB letter and I opted to give them one last chance and on the 3rd February I used their e-mail address and attached a scan of the SB letter. This seemed to do the trick as this morning I got a letter from Arrow Global saying that the debt was indeed SB and I will not be hearing any more from them regarding this debt. Thankyou everyone
  3. Hi, I sent the SB letter to capquest which they got on 11th December according to tracking. . Today I got another letter wanting payment to cabot and a couple of phone calls too! Do I just ignore?
  4. I've not had any debts with Cabot that I am aware of.... The two CCJs sadly are totally legitimate - I got the paperwork but didn't do anything about it being a bit of an idiot I didn't even defend them. I thought it wasn't real but it was. The only other things on my credit file are payday loans which I'm paying back - I certainly haven't had a loan or credit card for over 6 grand. Which is why I find it odd this has turned up now unless it's from many years ago as I had issues about 20 years back but surely no-one would chase a debt after that long.
  5. Sadly no clue whatsoever, No mention to any other companies and this is the first correspondence I've had from Cabot Usually I would have expected the creditor to be the name of the original company not the debt collector that has sold it on as well.
  6. Hi, Looking for a bit of advice here last week I received a double letter in the same envelope - one from Cabot saying they've decided to place my account with Arrow Global and in the same envelope a letter from Arrow Global Capquest saying that Cabot have placed my account with them. It says the Creditor name is Cabot Financial UK Limited, has an original account number and capquest account reference and it says that I owe nearly £6500! I checked my credit file and can find no references to Cabot at all, there isn't any CCJ'S listed for them ( I do have 2 CCJ's but for far lower amounts and I know who they are for) I don't recognise the amount listed on the balance and I even went and checked my e-mails for any references to Cabot or the amount that is allegedly owed which also came up fruitless. Seems odd to me that Cabot can be the creditor when they are also a Debt Collection agency. Unfortunately, since then I'm getting several calls a day from Capquest (Which I haven't answered) Any advice is greatly appreciated.
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