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  1. Sent a CCA request to Cabot 6/6/15 Signed for and received 8/6/15 Reply received today and I have attached an edited copy. They mention that information will be provided in 40 days. If details are not provided by 23/6/15 will it still therefore be unenforceable ? Cabot bought the account from Equidebt in 2013. I have never received any form of annual statements from anyone including the OC. I have only been advised of the debt balance so therefore have they failed to comply with FCA handbook CONC 13.1.5 ?
  2. Now Cabot have bought Equidebt's debt book, will they have been told about any CCJs in there? Mine is about 9 years old, For less than 2.5k credit card debt. Thanks
  3. My father had a £5,000 alleged debt bought outright by Equidebt some years back, who didn't seem too bad as debt collectors go, though others may of course have had different experiences. Before Equidebt bought it it was last with Intrum Justitia, acting as Cahoot agents 'from memory', and with a couple of other Cahoot agents before that I think. He sent one of the early mobs a CCA request with the £1 fee asking for proof of the alleged debt, copy retained and sent recorded delivery, and they sneakily recorded the £1 fee as a payment towards the alleged debt. He then wrote them a lette
  4. Hi! We have received letters from Cabot saying they have taken over our Equidebt account. Firstly they say the original lender is equidebt and its for a credit card, when its in fact Abbey national and for a bank loan we had with them. We did have a CCJ from abbey and then equidebt took over the loan and we have been paying a monthly payment to them since up in till they went broke , this is all several years old, I cant find any old paperwork as we have moved house since. Could I have some advice on what we need to do as it seems that they haven't even
  5. Hi all, In July 2012 I settled an outstanding payday loan (for roughly £350) with 247MoneyBox, after it had been passed on to the debt collection company Equidebt. I agreed the settlement figure with Equidebt and paid it into their account, with the company assuring me they would now inform 247MoneyBox that the debt had been settled. I requested written confirmation of this (which I have since passed on to my employer as part of a security check). Over a year later and I have started receiving letters from a company called Rossendales Collect, informing me that I still have an outsta
  6. hello, Looking for some advice please... We had a co-op bank account..2001/2.. which was passed to Equidebt for collection about 2005. .arranged payments to Equidebt paid monthly without fail. In April this year we received a letter from Cabot, with a letter from the co-op informing us that the account had been bought by Cabot but to maintain payments as per usual to Equidebt which we have done until today when payment was rejected by the bank.. Checked Equidebt's website and found out about Equidebt being in administration. However we have not received any
  7. On 23 May 2013 I received a letter from Equidebt saying that they were closing my file as the could not provide me with a valid CCA. Today I received a letter from Cabot telling me that they had bought the debt, and what was I going to do about paying it. They also enclosed a letter from the liquidators saying that Equidebt entered administration on 17/6/2013, and that Cabot had bought the alleged debt. Before I start a fight with cabot (already had dealings with them, and beaten them!), is there any mileage in the fact Equidebt closed my account before they went bu
  8. Hi All, I had a credit card debt in the early 2000's, the debt had been passed through numerous agencies and I paid this throughout this time. Having read through numerous sites and happily finding CAG. In 2009 I issued to Equidebt a s.77/78 requesting the consumer credit agreement and they responded 14 days later stating that a request for the consumer credit agreement had been placed with their vendor and until the matter was resolved no further collection activity will occur. Nothing happened then until November 2011 when I received a letter from Equidebt stating th
  9. I previously had an account with Equidebt which I was paying. I then went through an IVA but was querying the amounts quoted by Equidebt which they claimed I owed, however as it was an IVA I was consistently told that they would only receive a fraction of the monies owed, so it did not matter. In any case the IVA failed due to the repayments becoming unaffordable. I have now received a letter from Cabot Financial stating that they have gone into administration and would like a breakdown of all the payments that I have made and exactly what I owe. This debt is go
  10. I will keep it short and sweet, I have been with Payplan since 2005, on a dmp, I am only paying £1 a month to each of my 12 creditors. Got a letter from Equidebt, talking about talking about me breaking my agreement with Co-op credit card, and how they will continue to ask for the full money until I come up with it. What are they on about? Told Payplan, but they are useless, they are no help whatsoever. I am in arrears with my mortgage, and need to pay that off, but why is Equidebt not talking to Payplan, and why talk about a debt that is over 10 y
  11. I have received notice from Cabot that Equidebt have went into administration, and yet they have Cabot have bought my debt? If they were in administration surely they wouldn't be able to sell their clients accounts?
  12. Hello Cag, I got a letter today in the post from Equidebt requesting payment for a old credit card i had from Barclaycard. They say i owe them £963.05. I believe my last payment into this account was 2005 / 2006. T hey are threatning with a doorstep agent coming around. So far as I read i believe this should be statued barred. They give 14 to respond to this letter. There's nothing in my Credit Report relating to this. What should I do? Thank you.
  13. Hi everyone received a letter from Equidebt demanding nearly £1800 for a very old Abbey National debt. To be honest i'm not sure if it's an old overdraft or loan from when i worked for them. It's def SB i left them in 2001 & never heard anymore from them & haven't changed address. Do i just ignore equidebt's letter, or reply with a SB one. Thanks
  14. Hi just after a bit of advise if poss - to keep a long story short, I got myself into some financial trouble and ended up using various payday loan companies. Most i managed to pay off in full. i had 2 outstanding one of which was payday express. They just kept rolling over what i owed and charging me £100 each time. I worked out id paid well over what id borrowed. So i cancelled my debit card and stopped paying them anything. after loads of hassle, calls, emails i agreed to pay £10 a month. This debt then got transferred to equidebt and i carried on paying £10 a month. After 11 months i canc
  15. iHave received from Equidebt acting for Aktiv Kapital re a debt for £1629.54 first national tricity finance I sent letter telling them don't know of any debt to them and asked for a copy of the original credit agreement they have sent letter back saying they have requested the details from the vendor, they are saying that as they are the 3rd party they are not required to supply the details in the 12 + 2 days request is this so as they have stated that this could be sometime. Also i had the same about 12 months ago where it was mackenzie hall on behalf of aktiv kapital firs
  16. Hi all I wasn't sure if I should start a new thread, as I posted a few days ago Re: Aktiv Capital sending a £300 pay-us-half-and-we'll-sod-off letter with no details of the debt. I was advised to ignore and thats just what I have done. This is a completely seperate 'debt' by the looks of it, however if I should have added to the existing thread, then could a member of the site team please move it I received the attached letter from Equidebt (Who?!) this morning. It states the creditor as Aktiv Capital and that I owe £3926.53. The only thing I've ever had in my life wit
  17. Hi, I today received several letters relating to Coop accounts I held in the early 2000s from Equidebt. These accounts defaulted in 2005 and fell off my credit file last year. Equidebt have given me 21 days to respond making an offer of a full lump sum "no matter how small I believe the offer to be" or to pay monthly by DD. If not they will "explore" an application to "try to obtain" a CCJ or doorstep recovery. Should I tell them where to stick it and send a statute barred letter? I have had no correspondence with Coop or anybody else about these accounts since 2005. Has any
  18. For the past four years I've been getting letters from these debt collection agencies and it's beginning to drive me a bit crazy. They never say where the debt originated but I suspect it was from a Cable&Wireless phone line in my name in my shared house in university (14 years ago!) that I forgot to get disconnected when I left. I had a letter from C&W shortly after I left university asking me to contact them but I was leaving the country shortly after for a few years and so left thinking nothing of it. It then started about four and a half years ago with a letter
  19. Afternoon Ladies and Gents. Sorry to bother you, but I'm looking for a little help and advice (kinda just checking that I've got my head in order). In order to do so, I'd probably better add in the background story... About eight years ago my marriage broke down, and we had small debt problems at the time (we're talking hundreds, not thousands). My ex-wife was not particularly co-operative when we parted and blocked our joint bank account (which only ever held my earnings, hers went into her own current account). As you can guess, this caused all sorts of chaos whilst trying to get t
  20. :-xHi all, the cretins are at it again. I have today received a letter (FORMAL DEMAND FOR PAYMENT) The account that it refers to has been ongoing since May last year. The last letter from them re the same account was in November last year. The latest letter starts: As we have now purchsed the above debt we are authorised to recover the full amount due, quoted above. This is a formal notice of intended court action we intend to take unless you pay, or agree an arrangement to pay, the sum you owe.And so the letter goes on,do I answer or do I just ignore the c
  21. Hi there - down to 2 remaining payday loans now (Wonga and Txtloan) out of what was probably 13 or 14. Txtloan one has been proving difficult, as far as getting any kind of response from them. We wrote offering a settlement of original loan (£300) plus one months interest but never received a reply. It is now with Equidebt and they have not answered any of our 15 E-mails, but continued to send their 'please contact us' stock E-mails. So I spoke with them today on the phone and they apologised for not responding but gave no actual reason why they hadn't. After a bit of arguing an
  22. Hiya, I have a slightly unusual case here, well for me anyway. I have received plenty of letters in the past from various DCA's chasing for money and fired off the stature barred letter as they have provided all the info for the original debtor, however on this occassion I am not sure how to proceed. I received a letter from Equidebt informing me that they are chasing an amount of £1659 on behalf of Aktiv Kapital Ltd. They have provided no other information other than their own reference number. I did have correspondence with AK last year for a debt of £1300 and it was
  23. Hi, Today I received a letter from Equidebt asking me to call them so I did. It seems I am outstanding a debt from October 2001 to Dickens and Jones (House of Fraser) which I never repaid in full. The current balance is £236 which I imagine has gathered numerous charges etc but I would like to here from anyone who can give me advice on this. Should I arrange a payment plan with them? I definately cannot afford to pay this in full. Can they send in balliffs to recover? I'm starting to worry so would appreciate any help. Many thanks.
  24. Hi. I will try to keep this short. My fiance has been living with me for 12 years. He received a letter from Equidebt a couple of weeks ago attempting to contact him. Also had a couple of recorded telephone message left. Ignored everything. Today he has received another letter from them stating they have been instucted by Activ Kapital to collect £1500. These are the only times anyone has ever contacted him at this address. He can remember an outstanding loan he had but cant remember how much/who with. He has had no contact with anyone regarding this debt for at least 12 years, maybe
  25. I have recently received two letters from Equidebt. The first was a bog standard one searching for me. The second was a debt collection notification. It is for a debt that had been taken on by Aktiv Kapital which they have now sold over. It is over 10 years old (an unfortunate reminder of a past relationship!) and I have been paying by monthly standing order. In 2001 I went through the citizens advice and they set up a payment of £10 per month which is all I could afford even though I was in full time employment. Since the debt was taken over by Aktiv Kapital they ha
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