I've been reading with great interest all morning, having had my first call from Cabot today - I missed it, but would have ignored it anyway. Just in the past week or so I received a letter from them re: a CITI card debt, which claimed that I had been informed previously of a transfer of the CITI card to someone else (cannot remember who - don't have the details to hand)... been reading all the info on the ongoing stuff with Cabot here, and I've been in similar positions with various other cards - I ran up massive debts on cards when some customers of mine went out of business leaving me to carry the can. I initially looked to a company called Credit Issues (anyone have dealings with them?) Who informed me that my cards were all unenforceable. As such, I eventually stopped paying them around Set/Oct 2009. I then entered into a DMP sometime in 2010 and started making payments to this, and the calls died down, but that company went out of business and hadn't allocated any full payments to any creditors, only an initial token payment, so the phone calls all started again. I have simply ignored phone calls and letters and nothing has come of any of them, to date. As my credit file will be trashed, I guess I was hoping to ride it out until the debts became statute barred, but I am a bit concerned about this Cabot mob - they do seem to really want to go the distance. I was paying £x a month to Capquest, but have decided to let that slip now too. They've written to me and threatened doorstep recovery and all sorts, which I ignored, and now they've written saying they will now accept £x-10 (£10 less than I was paying) - dunno whether to accept this or not, or just ignore it again. My feeling - and I could be wrong - is that they know they have no way of enforcing the debt, so if they can get anything from me it is a bonus...? Is that a correct assumption? Obviously, by making a payment, one is acknowledging the debt, so becoming statute barred becomes further away each time. My brief questions to 'the_shadow' is how can one know if an agreement is 'true copy' or not - I'm aware of the Wacksman ruling etc... about reconstituted agreements and so on, but without having the original stuff in our own possession, how can we be sure what the DCA's send us is a true representation of the original or not. ..? And, also, is it right to assume that DCAs, having sent me all the nasty letters, which have gone ignored, are happy to accept something now, in the knowledge that something is better than nothing? Good luck to everyone on here...

I have only just discovered this site since having 8 properties taken over by LPA Receivers. I am desparately trying to find out what to do next. I read that I can make an Application to Court to get control of sales. Please is there an expert who can tell me how to word tha application? I am scared of making an awful situation even worse if that is possible!!!

I took out a Halifax credit card online pre 2007. It was £3 in credit in Nov 2007. In dec 2007 they sent me a new card attached to a credit card agreement unsigned by myself or them. What I did not realise then was that they had transfered the acc to a new acc along with the £3 credit. This has come to my attention as I was going to send them a CCA request in regard to my pre 2007 CCA. Has anyone any ideas as to what I should do ?

I am to start the process of reclaiming my bank charges against Barclays on 2 accounts I currently hold. I know which template I am going to use but first I am hoping some of you kind folk can help before I start. 1/ Whats is the best address to send my letter to. 2/ Do I have to send £20 because its to cover 2 accounts. 3/ Have far back can I claim to 4/ Can I reclaim their £22 daylight robbery reserve account charges. Any help would be appreciated.

Hi I recently requested a CCA from Link Finance regarding an Abbey Loan. The request was initially made on 10th February 2009 and follow up letter was sent on 16th March 2009. I received a letter back from Link Finance saying the account had been put on hold for the time being. Last week I started receiving calls again from Link Finance, I didn't answer, they requested I call them, which I didn't. This week I received a copy of what appears to be the CCA, it is an extremely bad copy of what looks like itself to be a copy. I was wondering if anyone has any advice on what to do next? I have attached a copy of the CCA returned, can someone tell me if it is enforcable, especially considering the time it has taken to produce it and the legibility of the document. Any advice would be greatfully appreciated.

Received this reply from Capital after requesting CCA, non compliance and account in dispute letters to them Quote Please find enclosed a copy of your credit agreement as requested. In accordance with Section78 of the Consumer Credit Act 1974 and the Consumer Credit (Cancellation Notices and Copy Documents) Regulations 1983, this is your origianl agreement, and if any terms have been varied, then the copy agreement will include the updated terms. In addition, your personal details, the signature box, signature and date of signature have been omitted from the copy provided as permitted under Regulation 3 of the Consumer Credit [Cancellation Notices and Copy Documents} Regulations 1983. Under section 788 we are not required to provide a copy of the default notice and statement of default. However, we can comfirm that a statement of default was issued on 16th December 2008 Unquote What do I do next and do I still continue to send them token payments. Many Thanks