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  1. I recently received a letter from Cabot Finance claiming payment (£2K+) for an outstanding Barclaycard visa card in my maiden name. I am confident that I have no outstanding debts and have credit reports for past 12 years (Experian/Equifax) to confirm. However, several years ago (15+ years - late 90's) I was jointly and severally liable for some outstanding accounts. Other party 'disappeared' and I made payments to all these "in full and final settlement". At the time I had letters confirming this from each company however as many years have now passed, after 12 years my FA told me I no longer needed to keep and could destroy the letters as all accounts would be SB'd anyway. I do not therefore understand what this refers to. I have considered sending a "Prove It" letter but before I do would welcome any advice I haven't already thought of. Just wondering what this could possibly be - are Cabot trying to pull a fast one?
  2. Good Morning, Having reviewed my GF credit report we have seen a debt that we do not recognise assigned to Lowells. The debt is under the Other Accounts section and is listed in the further details as a current account. The debt is small at 179 pounds but I dont really want to just pay it as I really don't know what it is. What is the best course of action to take here as I can't CCA them as it isn't credit but a current account. Appreciate your help Dan
  3. Hi there Today I have looked online at my bank account (Lloyds) and noticed that there are a serious of deposits that have been made to my account in February (6 payments all on the same day adding up to about £150.00). The description is Banking Management which makes me think it may be from Lloyds. Any idea what it could be for. I'm not expecting anything and have not made any claims re: bank charges etc.
  4. Hi All, new member posting on behalf of my girlfriend, please bear with me on this one as it's going to be quite long, i hope that it makes sense As i've struggled to put all the information together to get the timeline right. I would appreciate any helpful comment on this and am happy to clear up anything that might not make sense In September 2011 we received a letter through the door from a company called cabot financial, all It enclosed was a self completion budget form asking for all her details with a column on the left hand side claiming the original debt was from a Vanquis Credit Card and set at £1189.88. This came as a huge surprise as there was no contact with this company before receiving this letter. We chose to ignore this letter seeing as it was asking for personal information we had no intention of giving them. We then received another letter in November 2011 which again referenced the debt (now at £1214.65) claming it was "vital we contacted them urgently" and that if they didn't hear from us "we'll have to move your account to the next stage of the collections process" Now, my girlfriend previously DID have a credit card with Vanquis and she is convinced she made the final payment to them in October 2010. All letters and statements from vanquis were going to her parents house and she stopped receiving correspondence from them after the final payment was made. Vanquis had never been in contact in any way to claim any remaining debt. so as you can imagine these letters were quite concerning. we decided to phone vanquis They stated that the debt was no longer anything to do with them, we did find out in this phonecall however that the address on file with vanquis was one that my girlfriend never gave to them nor had lived in for 3 years AND a new card had been sent to that address. She made a phonecall to citizens advice who directed her to consumer direct trading standards who then informed my girlfriend to phone cabot and request statements. My girlfriend took the advice and phoned up cabot and asked them for statements, we did not hear back from them until the 8th february 2012 when they sent us a letter informing us that the last payment was made to vanquis for £250.00 in october 2010 (which we already knew) we got back in touch with cabot over the phone they stated that Vanquis will no longer respond to us and that cabot would ask them for statement containing the information since cabot took over the account and asked us if we have any proof of payment such as a chequebook or a statement, we explained that the debt was finalised over the phone and that vanquis sent all correspodence and a new card to the address mentioned above where she hadn't lived for 3 years. We hadn't heard anything again until 03/04/2012 where cabot sent a letter saying that they have not yet had a response from vanquis, because of this we contacted cabot again by phone. Cabot reminded us that vanquis had 30 days to respond to which we reminded them that it had actully been 60 days and there had been no response. On 26/04/2012 cabot finally sent what they claimed to be a statement from vanquis, this 'statement' was an amateurish A4 blank letter with a header that said 'Vanquis Bank - customer transaction statement' it contained a column of transaction dates, merchant name and a transaction description (such as sale/cash advance etc) There are NO monetary amounts or running total on this statement, obviously we found it completely questionable. We found a transaction on the date my girlfriend made her final payment, on this statement it has the same transaction description as any other payment 'PAYMENT COLLECTED' HOWEVER we can see that after this payment the only transactions on the account are for PPI collections (BING! Looking forward to doing them on this once this episode is over) for 7 months up until the close of balance (presumably closed by cabot?). Because of the poor quality of the supposed statement sent to us, we phoned cabot straight back informing them that as far as we were concerned this was not a statement as there were no amounts or any helpful information at all. The advisor on the phone were actually quite helpful and told us that the account would be put on hold immediately and she would request vanquis to send more details in the next 30 days. Since this phonecall In April we have only recieved 2 letters and no phonecalls. The letters are dated 09/11/2012 and 09/01/2013 and they both say the same thing, that they have requested the information from Vanquis and that Vanquis are experiencing a delay retreiving the information from their archives. So much for 30 days! Ok, so that's the story, i'm not exactly sure what my question is but we are really unsure as to what our next step should be, should we just wait it out while Cabot and Vanquis struggle to find the information? either way i think we need to be prepared for whatever their response may be. This situation has been quite stressful and it has even started to make my girlfriend doubt that she even paid the debt off when she was previously convinced that she had. As i have said to her though, surely if the debt was legitimate then it would be incredibly easy for either vanquis or cabot to produce the proof, why haven't they done this so far? and why is it taking them so long? ever since the start of this situation i become increasingly angry and more convinced that cabot financial are nothing but crooks trying to [problem] money off us. If anyone has any experience in a situation like this or knows what we can do i would appreciate any help or comments. thanks.
  5. When I sent in a PPI claim to HSBC in 2010 they sent (after the claim was referred to the FOS) a DD form for the PPI with my husbands signature on it with a date of May 2004,he did not recognize it as anything he had seen before and had at that point not used the account except for paying in money.I sent a copy to the FOS and they queried it and asked for further information from the HSBC which they only received earlier this year.I checked his credit file yesterday and the same date showed up,he had no loans and had not used his credit card at that point as his account had been set up in 1998 I'm wondering if this date is spurious,I have a failed SAR which is going to drag on so I'm wondering if there is any other way of finding out what this date represents? I've considered a CCA but as there only a few weeks before HSBC pass the account to Metropolitan I thought I may be better served by holding off until then.Any suggestions ?
  6. hi folks, check my files on regular basis on experian and noddle and have recently gone on free trial on checkmyfile. i have discovered entry that isnt in my name but the surname is same as my middle name. a while ago i did receive letter addressed with said name and ignored it. this entry is not showing on experian or noddle but will be sb'd in september. what is best course of action? thanks in advance
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