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  1. I hope I am posting this in the right place. I had a DMP which I cancelled after advice on here (thanks guys). Three debts, all with Yorkshire Bank. Cabot says that they now own all the accounts. I wrote to Cabot with a CCA request and they wrote back saying that they didn't have it but they would try to get it from the OC. Much later, they wrote to me again saying that as they couldn't provide the information I requested, that the debt was unenforceable but they would appreciate my payment as I still owe the money. Since then, I am being contacted several times a week by Cabot and so I wrote to Cabot twice, asking that they contact me by letter only as I do not have the facility to record phone calls. They are still contacting me by phone and letter. The letter offers me a payment plan. They have still not sent me the information I asked for. Is there anything I can do to stop them contacting me? And the debt is still unenforceable, right? Many Thanks
  2. Hi everyone, I need some advice on a credit card debt and a loan debt. I used to live in the UK but left in 2009. I have a credit card debt of £3000 and a loan debt of £11k. Both accounts are with Cabot Financial. I used to pay very little (between £1 and £10) towards the credit card debt, on and off over the past 9 years. I recently got a letter from Cabot saying that they instructed Moorcroft to arrange a visit at my home so that they can put me back in touch with Cabot. I have my address in Poland but am not really there very often. Regarding the bigger loan debt, I haven't been paying anything toward that account, I think, for at least 6 years and haven't communicated with Cabot about this debt. The question is, can any of these debts be cancelled? And what about Moorcroft in Poland? Any advice is greatly appreciated.
  3. Hi, hope someone can help. This is in regards of a 'stayed' case from August 2016 Via the County Court Business Centre. Cabot/Restons At the time I requested documents those being: 1. Agreement/Contract 2. Default Notice 3. Assignment These never arrived within the period of 12 days, then a further 30 days. I went on to deliver my defence and ultimately the case was 'Stayed' Present day: I have just received a photocopy of a credit agreement with spreadsheet statements from Cabot who now which to 'discuss the options available for this account.' My initial concern is the photocopy of the agreement, in that it has clearly had something stuck over part of the section 'YOUR SIGNATURE REQUIRED' with what clearly looks like a faxed signature of who ever was signing off on the agreement, although I am unsure if this is normal practice? Also the spreadsheet is very basic with no opening balance/closing balance or written indication to the amount of initial credit and whether this was increased/decreased over time during the period of the agreement? Per my original request during court proceedings they have not supplied 'Default Notice', 'Assignment', although I'm sure this would be a request I would make again should the 'Stay' get lifted and it goes back to court. Any help in this matter would be most appreciated. Thank you.
  4. Hi all I received a claim form dated 20th Mar 2015 in the County Court Business Centre Northampton. The claimant Cabot and Solicitor Weightmans LLP for a Capital One Credit Card defaulted on. On the 30th March online with MCOL I filed an acknowledgement of service that I intend to defend all of this claim. With work, family and illness it has now I believe gone past the 28 days to file a defence. Is it too late to file a defence now? Having had chance to read this forum is it too late to send off the CCA and the CPR31.14 now? I really do need some advice quickly. If anybody can help it would be appreciated Thanks
  5. Hi guys Around 2 years ago, I asked Cabot for a CCA request for a loan i had. They said at the time that they couldnt find the documentation so it was not enforceable. Ive recently had a letter form them saying they have now found this CCA agreement and that the debt is now enforceable! Theyve sent me a reconsituted copy but im wondering if this is now a debt i have to pay? If you look at the scan ive added, it looks like the document is missing something, and also surely there would have been more than 1 page of t&c's?? Is there not a time limit that they have to provide me with the CCA or its not enforceable? i ve read they committed an offence but that doesnt really help me in this situation Anyone know if this is now a debt again? i cant find anything similar to this anywhere thanks Scan 1 copy.pdf
  6. Hello everyone, I'd really appreciate some help with a claim form that I received this week. Name of the Claimant ? CABOT FINANCIAL (UK) LIMITED Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 05 JAN 2017 Date of issue 05 Jan + 19 days ( 5 day for service + 14 days to acknowledge) = 23 Jan + 14 days to submit defence = 6 Feb (33 days in total) - Correct Think these dates are correct. What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. Monies due under current account account overdraft. The Claimant's claim is for the balance outstanding under a Bank account facility LLOYDS BANK agreed to maintain fir the Defendant. It was a term of the Bank account that any debit balance would be repayable by the defendant in full on demand. The defendant has failed to repay the amount due. The debt was assigned to the claimant. THE CLAIMANT THEREFORE CLAIMS 1100 What is the value of the claim? 1100 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Current account When did you enter into the original agreement before or after 2007? Account was opened in 2001 but not sure what year the overdraft was arranged. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Probably, I'm not sure I don't recall Did you receive a Default Notice from the original creditor? Probably, I'm not sure I don't recall Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure Why did you cease payments? Following a relationship breakdown in 2010 I was unable to maintain repayments to creditors. I entered DMP with Payplan 2011 but due to health problems in 2016 and a reduction in income I was no longer able to maintain DMP payments and the arrangement ended. I set up a reduced agreement with my creditors but missed this one. What was the date of your last payment? March 2016 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes DMP arrangement was in place until March 2016. Ive looked through the forum and began the acknowledgment of service (defend all) and I've got my CPR request letter ready to be posted. the bit I'm not sure about is the I intend to contest jurisdiction tick box. I'm not sure what this means and should I tick it or not? Thanks
  7. Hello All, I have received a letter telling me an old HSBC Credit Card was sold to Cabot Financial today and that they would be in touch shortly. The account is not statue barred. Whilst I am happy to enter into a repayment plan, I want to make sure that they have all their ducks lined up and have all the correct paperwork. I originally had a dispute with HSBC after they blocked the card on Christmas Eve and that very nearly left me stranded Birmingham Airport over the Christmas Period. At the time there were plenty of funds available on the card and it was the only card I had on my person at the time. Long story short I phoned them on the day asking why the card was not working and noone could explain it to me either. I was promised several callbacks which they never made and a resolution the same day which also did not materialise. As I couldn't buy the train ticket I needed, I had to take several buses to my Christmas destination which in all took over 10 hours to complete a 60 mile journey.......... As I hold an ENCTS pass this journey cost me nothing but did cause considerable inconvenience at the time. I made a complaint at the time and whilst they acknowledged the complaint, they did not respond and when it came to them wanting something (i.e. to pay the bill) I refused until the complaint was resolved to my satisfaction. Apparently they had nothing on file and still did not know the reason for the failure of the card. This contradicted what I was told on the day of the failure which was "A Back office team is working hard on this as we speak and it will be resolved shortly" which now appears to be from my perspective a complete lie. Fast forward to the issue at hand now, I received a letter that the account has been sold to Cabot Financial and that I will begin a game of letter tennis within the coming days. How is it best to proceed from here. I don't particularly want to furnish Crapbot with too much information. But I'm happy to do my homework and see what happens. Debt is for a Credit Card approx £1,800 I don't doubt for a second that Crapbot will take legal action eventually but I'd rather give them notice as it were that I know how to handle this matter. I'm thinking just a bog standard CCA Request uncrossed postal order and see what they come back with? Perhaps a SAR to HSBC as well?
  8. Hi, Could someone help me please? , complete noobie questions below:- I've been out of the country and been sent a claim form from the County Court Business Centre for a claim from a 10 year old Halifax credit card debt for £1600 plus £105 court fee and £80 legal representative costs. I have been receiving calls from these people but i just thoiught they were PPI calls. This claim form was sent on 6th April (I flew abroad 7am that day) but i've logged onto the portal (22nd April) and filled in the AOS form to extend, i'm not sure if this will still be possible to do? I may have paid small payments to this debt a long time ago but to be honest forgotten about it, got my credit score back up high and then this lands through my door, i really don't want a court judgment on my credit file. The debt doesn't even show on my credit reports from various agencies. I'm not even sure about how much the original debt was and how much credit was put onto it etc. Could someone help me please in the reply to the court or give me any pointers/online helpers? I really believe that this debt could be Statute Barred. Any help would be greatly appreciated, my main concern is not to get a mark on my credit file and I really don't want to pay a DCA the full amount but would consider a part payment. I'm not even sure if it's gone past that stage that I cannot offer part payment out of court? Thanks in advance x
  9. I have a bit of an awkward situation that I can't see anywhere else. I had amassed some debt and in November 2015. I contacted a debt charity at 4am by email and they locked into action immediately and helped me. By 14 December 2015 an IVA had been agreed between the financial company and creditors and now paying that without having missed any payments. However, in the November, whilst my IVA was being set up, I was advised to move my bank account from Santander as they would likely lock my account upon receiving this email IVA request notice. I moved my account in November 2015 to First Direct. The account they provided me with was a Credit Account with a £500 overdraft and I applied online with no prompt to read any T&C's that I can remember and no paperwork received with the exception of my bank card and it's pin. In the first couple of months I had planned with my financial advisor handling my IVA what debts to include. To help reduce the IVA amount, I used most of the £500 overdraft on the First Direct account to clear one of the debts and then I would work the overdraft down over time. Out of the blue, and with therefore no notice, I received a letter from First Direct in March 2016 stating that they would close my account because I was in an IVA and this breached their current account rules and that they would close it in May 2016, giving me 2 months notice. I rang First Direct immediately upon receiving the letter and was essentially told to pay back the overdraft before the account closed and that was my only choice. In May 2016 I rang First Direct again and explained I was still in IVA as they know so couldn't pay off my overdraft in one go like that and had planned to work it down over time that had now been taken away from me at their choice. I was told that they would send me a form once my account closes to complete to set up a repayment plan that would be affordable to me and take into consideration my IVA. This is where my problems began to escalate. I never received any form from First Direct. I emailed them to ask for it in June and July 2016. received responses stating they couldn't discuss my account unless I rung them, which I was suspicious about as surely they must contact on the method I request? I managed to go out of my way and visit a HSBC some miles away and ring them. They agreed to send me the form that they hadn't sent previously. I then waited some weeks and received no form again. Instead, some weeks later I received a letter with a debt collection agency header on it asking for £512 that I now owed. I replied by email, copying in First Direct, explaining that I was still awaiting the repayment form and then never received a response from First Direct nor the Debt Collection Agency. Some weeks later I again got a letter from the Debt Collection Agency, again replied by email copying in First Direct and attaching my previous email and again never got a reply. A couple of months later I then received a letter with a different Debt Collection Agency header. Again I replied with the same email, attaching previous emails and copying in First Direct, and again I received no reply from anyone. I then sent an email to First Direct a few times over the next few months asking for the form and kept getting the same response as before, that they cannot discuss my account. In mid April 2018 I received a letter from Cabot Financial asking for repayment of the £512 for the HSBC debt and that they had bought the debt in August 2017 but weirdly apologised for taking until now to write to me about it?! A day later I received a letter with HSBC header dated BEFORE the Cabot letter chasing repayment for £512 debt. a couple of days later I received another letter dated AFTER the Cabot letter from HSBC saying they had now sold the debt to Cabot and to now deal with Cabot on it. This all seemed very odd to receive these 3 letter within a few days, seemingly contradicting each other and confusing, one claiming Cabot had purchased the debt in August 2017 and one with HSBC dated before the Cabot letter asking me to repay them (and not Cabot). I have replied by email to Cabot and asked for no email or telephone contact and no visits to my home and that I would only correspond in writing and that I would write to them in time on this. I'm now in a position where I am looking for above on what to next. Any help would be much appreciated!
  10. Hello Everyone I started getting letters from Nolans probably around 2 months ago about a Personal Loan debt that was from years ago. The debt is not on any of my credit files so it was a surprise to get a letter from a sols about it. Its a Sainsbury's Bank Loan for £16k that i took out on 9/7/09, very shortly after (around 6 months lost my job). I had been making token payments of £20 per month to originally Blair Oliver & Scott who after around 1 year, passed the debt to Cabot around Nov 2011. I continued the £20 per month till around Jan 2016 then I lost my job again, and couldn't pay at all. If I am being honest, i thought due to the time since i took it out (8years ago) and the fact that it was off all 3 credit files (equifax/Experian/Callcredit) It had been written off by the creditor. Im always weary with debt letters as the terminology is always "we may" and very rarely "we are doing" but being so close to having a clean credit file the letter has came as a bit of a scare. Any advice? I can post a copy of the letter with personals omitted if it helps?
  11. Hi Cabot have sent me a reconsconstituted credit agreement and believe it is enforceable can anyone have a look for me, thanks in advance Another page docs1.pdf
  12. Hi everyone just need some pointers I've acknowledged the claim on the date provided. I know I'm supposed to send letters but will it be enough time now for me to get a response? I'm worried am I too late? Will I have to submit a defence now? Please help me with my best course of action. 28 days plus 5 for service gives me 13th march 2018 to file defence is that right? Do I need to agree an extension with shoosmith in order for them to send me docs at this late stage? Received a claim? Yes Issue Date: 8/02/2018 Have you Acknowledged the Claim?: Yes, 20/02/2018 Total Amount Claimed:£521.86 Claimant’s Name: Cabot financial Solicitors Firm: Shoosmith LLP Original Creditor: Aqua Credit Card/Newday (eg. Credit card/Loan/Overdraft) :Credit card Particulars of Claim: 1. The claimant claims the sum of £436.86 being monies due from the defendant to the claimant under a regulated agrement between the defendant and New day and assigned to the claimant on 12/09/2017, notice of which has been provided to the defendant. 2. The defendant has failed to make payment in accordandance with the terms of the agreement and a default notice has been served pursuant to the Consumenr Credit Act 1974. 3. The claimant claims the sum of £436.86. Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No List any letters you have sent (eg: CCA/ CPR ) none Any Other Information or Background Details: this is a debt originally with New day Credit card under the Aqua name. I've checked my credit report using noddle, instead of saying Aqua or new day it has Cabot credit managment group, acc start date dec 2016, date default 31/08/2017. also I have to send a CCA request to Cabot financial and a CPR request to Shoosmith incl a copy of CCA letter sent to Cabot, sending both by recorded delivery. The cca letter: [Removed please do not post templates from the Library on the open forum - andyorch] Request for documents mentioned in a statement of case under CPR 31.14 [Removed please do not post templates from the Library on the open forum - andyorch] defence: I've attached file due to size. please advice on point 13. I haven't agreed extension should I do so and how do I do that? sorry if everything is a bit jumbled, am I on the right track? Thanks
  13. Good Morning I have been paying a debt management plan to payplan for over 10 years, following advice from this forum for which I am soooo grateful for I have sent CCA's off to all my creditors and awaiting responses. My abbey overdraft has been sold onto Cabot, I understand that I cannot sent a CCA. The last payment to them on my debt management plan was Dec 17. The balance is £588.19 What is the best way to proceed with this, should I send a SAR or set up a payment plan direct with them, are they likely to accept a F&F? Thanks for your advice/help in advance
  14. Several months ago Cabot allegedly purchased an old Capital One account. I disputed the alleged account and Cabot issued County Court Proceedings. I submitted my defence and received no response from Cabot so at the moment the case is stayed. After checking my credit report, Cabot have added Legal Fees & Legal Costs to the alleged outstanding balance. Can they do this?
  15. Hi guys im hoping for some advice on what to do with this debt, i had no idea they would take me to court for it and am panicking a bit now, i have looked around the site but cant really find specific advice, so apologies if i havent looked hard enough and i appreciate any help you can give, cheers neil. What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. on 31/03/2015 the respondant entered a mail order agreement with J D WILLIAMS AND COMPANY LIMITED under which the respondant borrowed from them a sum of money payable on demand. the said agreement was an agreement regulated under the consumer credit act 1974. the respondant failed to pay as agreed on demand and is in breach of contract with the said J D WILLIAMS AND COMPANY LIMITED. the said supplier assigned all rights in the said debt to CABOT FINANCIAL UK LIMITED ON 07/06/2016 and the claimants have advised the respondant of the same the last payment was made to account on 07/09/2015 the said sum of £1029 is the sum sued for. the claimants have made frequent requests to the respondant to make payments of the said sum but the respondant has refused or delayed to do so. What type of action? (Small/Summary/Ordinary) simple procedure notice of claim. small? Is the claim for a current or credit/loan account or mobile phone account? catalogue When did you enter into the original agreement before or after 2007? after Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. debt purchaser cabot/nolans soliciters Were you aware the account had been assigned – did you receive a Notice of Assignment? yes Did you receive a Default Notice from the original creditor? most likely Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? unsure Why did you cease payments:- financial difficulty Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
  16. Not to be confused with Link. (and not my own beef with cabot) Another ccj and a charge on a property, Cabot obtained them both, it's been sometime, the debt never seems to dwindle A recent Sar to Cabot came back with transaction details that are consistent with ones of my own, as in the alleged debtor has consistently made payments each and every month since the CCJ (it's been some years) there are no breaks in the payments save for one returned payment but this was remedied a few days later. However, working through the transactions I can see Cabot adding different amounts during the period the alleged debtor has been paying back. Reading further in to the SAR there is zero by way of communication from Cabot to the debtor to advise/tell them as to why they've added their payments and as far as I'm aware the CCJ is not interest bearing or anything. From my experience this is what Cabot consistently seem to do, add on more debt, this time it's a ccj, I have no idea as to how they would be allowed to do that given there have been no payment breaks. The debtor wants to get the charge off the property, hence why they're starting to chase. The amounts totalled that Cabot added on is close to £1500 Ordinarily and as in my case I'd have advised to stop paying Cabot until they can prove the debt but as this is a CCJ and with a charge on their property I think the smart and only way is to continue payments but look at Cabots activity on the account since the CCJ.... right now all I can see is a debt that hasn't decreased by much due to the amounts Cabot have put back on.
  17. Evening, I am seeking some thoughts from more learned individuals. I received a Claim Form end of Dec 2017 for an old WF debt and subsequently entered my defence on MCOL. This was on the 5 January. Since then I have received nothing further to my formal requests for additional information surrounding claim aside from two chaser letters from Cabot's solicitors detailing their 'client wish to settle out of court' and then '14 days to negotiate settlement otherwise instructions from Cabot to lift stay'. Called the court today and was advised that Cabot / their solicitors had attempted to amend the particulars of the claims on the 11 February but this was denied as they did not pay the fee. Their last letter to me dated 5 March is as above on the 14 days. I'm tempted to actually have the claim struck out as the claim remains stayed open ended. Has this happened to anyone before ? Thanks
  18. Hi, My partner had two credit cards between 2001-2008 - both of which she defaulted on when her husband left - leaving her with two young kids. Unable to pay the mortgage she was forced to move into Council Accommodation. Today, She received a Notice of Issue of Warrant of Control. Creditor: Cabot Financial (UK) Ltd The letter states that if the debt (£857) is not paid by 2nd Feb 2018 then Bailiffs will be call to remove goods for sale at public auction. I work as a bar tender and my partner is disabled and on benefits. No attempt was made to contact my partner in the last 8 years regarding the debt (we still don't know which CC it applies to.) by mail or telephone. She is terrified that the bailiffs will turn up and start ransacking the house. Can anyone give me a clue as to where to begin fighting this?
  19. Hi, I have a debt (approx £25k) that defaulted on Apr 2103 that is being chased by Cabot. I have not made any payments on this since 2013 to either the original lender or Cabot. I have recently requested the CCA from Cabot and they acknowledged the 12 day time limit before temp unenforceable and as they would have to request from the original lender they anticipate not being able to provide it within 12days and hope to have it within 40 days. They said that in unlikely event they cant produce within 40 days they will write to me again. 40 days passed around a week ago. I am unsure what to do next as it does not look like they can provide the CCA and have not written to me as they said they would. What should I do next? I am tempted to make a silly F&F settlement offer so it is not hanging over me. Any help appreciated.
  20. I have response from Cabot to my CCA request. This is for Barclays loan (36K) which they bought in 2010. they do not have information on file and have requested said documents from original lender. they acknowledge the 12 day time limit but state they hope to comply with my request in 40 days, if the unlikely event that cannot obtain the information after 40 days, they will write again. original loan was 42K - do i sit tight and see if they produce documents or go for a silly F&F to clear up the matter on the basis they may take something now, in the event they do find the documents it may cost me a lot more in the long run ?
  21. Hi.. Just some quick advice on a bank account/od sold on to Cabot. Checking through my paperwork I can see it was opened in 2005 then defaulted and the last payment made was 1/11/2011. It was held for sometime by Yorks then sold to Cabot in 2009 who have held it since. They have now sold on to another DCA but question..is that Statue Barred with last payment in 2011 ? Thanks Jason
  22. Hi there, first post time and I'm hoping someone with way more knowledge than me might be able to help. I've a Lloyds loan from 2008 that was sold to Cabot they say I still owe £12k on I was making payments towards until April'17 I contacted Cabot for my CCA, waited 40 days then stopped payment, now just a few days ago they have sent me a reconstituted version which they say complies along with various copies of payments made to Lloyds and Cabot themselves. I've attached the CCA they sent me. All signitures and addresses are correct and the debt in no longer showing on my credit file, but I've no idea about the rest of it Can someone who knows about these reconstituted CCA's please take a look and let me know your thoughts as whether this is valid please and what migh optiosn might be? Last part of attachments Sorry, I've compiled them into one pdf an attached here. CCA-Recon.pdf
  23. Received a claim? Yes Issue Date: 15-12-2017 Amount approx: 1979.25 Claimant: Cabot Financial (UK) LTD Solicitor: Mortimer Clarke Solicitors LTD Original Credit: Capital One Particulars of Claim: 1.By an agreement between CAPITAL ONE BANK (EUROPE) PLC & the Defendant on or around 08/10/2015 (the Agreement) CAPITAL ONE BANK (EUROPE) PLC agreed to issue the Defendant with a credit card. 2.The Defendant failed to make the minimum payments due & the Agreement was terminated, 3.The Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 1794.25 Stat Barred? No Have sent: Acknowledged the Claim, Sent a CCA request, Sent a CPR 31.14 request Have also file my defence. Well i had a letter back from their solicitors this is word to word and don't they proof check before sending out? also i know about Cabot Financial (UK) Ltd are unlicensed. Which means its an offence to under take debt collecting activity contrary to the Financial Services and markets Act 2000 and technically they aren't unlicensed they are unauthorised. "We confirm receipt of your defence. We can confirm that we acknowledged your request for documentation pursuant to civil Procedure part 31.14 and consumer credit act 1974, in the letter you sent to you on the 28/12/2017 (copy enclosed) In response to your assertion that our client is not authorised by the Financial Conduct Authority ('FCA'), the FCA register shows Cabot Financial (Europe) Limited permission as lapsed because, with the permission of the FCA, it has been made an appointed representative of Cabot Credit Management Group Limited. Cabot Credit Management Group Limited is a principal regulated firm and with the permission of the FCA, has .appointed its operational company, Cabot Financial (Europe) Limited, as appointed representative to perform debt recovery and/or debt administration activities on its behalf. Please find enclosed a copy of the Notice of Assignment and Statement of Account for your records. Our client's position is the documents provided evidences how the balance accrued and how a balance remained outstanding when the Agreement was assigned to our client. In response to your request for a copy of the Deed of Assignment, our client considers that it has no statutory obligation to provide you with any further documents in relation to the assignment. It has complied with its statutory obligations by sending you the Notice of Assignment in accordance with section 136 of the law of Property Act 1925. Furthermore, the Deed of Assignment is a confidential document client and the original creditor. We are instructed that the Deed of does not contain any personal details relating to you and is not disclosure. We can confirm that the remainder of your defense has been referred to your client for its instruction and we will contact you with a response as soon as possible. In the meantime, the Matter has been placed on hold." As you can see they are on about Cabot Financial (Europe) Limited, and not Cabot Financial (UK) LTD, also no Deed of assignment, or the original agreement, all they sent was the letter from capital one saying that they sold the account to cabot credit management group, and the letter Cabot sent to say they now own my account from Capital One and 3 pages of payments made to Capital one. What should be my next move? to me it seems they don't have the paper work to back their claim or am i wrong. And is there any other letters i can send to ask about the Deed of assignment and the original agreement?
  24. A google search led me here as I'm in the same boat as MadMat. I received a call yesterday, 21.11.17, from Cabot and the caller asked if I was free to speak to which I replied 'absolutely not'. This was true as I was just leaving for work at 07.45. Today I received a letter dated 17.11.17 saying they have recently confirmed I live at my address. I am in the process of moving house and can only think that the company that did the tenant referencing (I had to supply 10 years of addresses) passed my details on because I'm usually careful about sharing my details. I have had no credit cards or loans since 2006. I have held my hands up when contacted about my debts, had 3 CCJs, one now paid off, and 11 years on I'm rebuilding my life so this is ....! Would sending the statute barred letter not be acknowledging the debt and potentially open up another route to a CCJ? Also what is the link to the statute barred letter?
  25. 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 this year, completely forgot as was paying by postal order - my own fault, and have since received the following letters: 05/10/2017 "Welcome to Cabot Credit Management Group that own your HSBC Bank Current Account. We have recently confirmed you are living at the above address and need to make you aware that we are now responsible for helping you manage your account and receiving future payments" Then a bit about contacting them etc. 22/10/2017 "We have recently confirmed that you are living at the above address. We do this through a variety of checks, so we're confident we have the correct address for you. We need to talk to you to arrange a repayment plan on your account; we can help you find an affordable solution. 06/11/2017 A bit about understanding how it's difficult to clear debt, we want to help etc then "We own your account and are prepared to reduce the balance in order to help you become free of this debt sooner. If you would like to take up this offer call us" I have a couple of questions: I have looked at other forum messages advising sending a CCA but I don't think this would apply to me as its a current account - is that correct? What would be the route for me to follow if I can't go down the CCA road? I've seen some info on pre 2007 agreements - does this have any bearing on my case? Can Cabot put the debt back on my credit file as a default, as i've stopped paying, even though its over 6 years old? I'm sorry for the long post and thank you very much for reading
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