Cabot failed to comply 12 days timescale...what do i do next?

[aralitra]

Hi everyone,

 

Last June 25, 2009, I sent a CCA Request to Cabot with a £1.00 postal order. They replied to me returning my £1.00 stating they do not accept the statutory fee required under section 77/78 and that they will provide me with anticipation the information within those time limits. They failed to do so. Just today, July 15, I received a letter from them saying they have made several urgent requests to the original lender to forward any documentation relating my account to them. Unfortunately, they haven't received yet any information due to a delay in retrieving this from the lender's archives.

 

My question is, what letter should i send them telling them that they have failed to supply me with the information within the timescale? I'm worried that they might send me letter enforcing me to pay the debt i owed to Barclaycard Littlewoods way back 2003-2004. Actually, as far as i can remember, my credit limit to Littlewoods then was only £2,800.00 but has now exceeds, according to Cabot, up to £3,303.57 which i do not remember spending it that way. Couldn't be Littlewoods has charged me for failing to pay them then that's why now it has reached more than the original amount?

 

Can anyone please help? I would really be grateful . Thank you so much in advance...

 

 

[42man]

If they are in default of your request then this is the follow up (send recorded) also can you remember when the last time you made a payment towards this debt ? could i tbe statute barred ? - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

[aralitra]

Thank you so much 42man. I'll send this letter to them. Actually it has mentioned in their letter that for the meantime, Cabot has suspended all collection activity until such time that the relevant info is supplied to me. Even so, i will send them this letter and see what's gonna happen. Again, thank you so much. Will keep you posted .

[aralitra]

Hi 42man, it's me again. I recently checked my experian credit report and it didn't show there any default from Littlewoods in which Cabot Financial is chasing me to pay them in behalf of the above. I couldn't remember the last payment i made to Littlewoods, all i can remember it was sometime in 2004. Why is that?

[maroondevo52]

Thread moved.

[cerberusalert]

all i can remember it was sometime in 2004. Why is that?

Are you sure it was 2004 not 2003? If it was the latter it is possible any default recorded on your credit file has dropped off naturally after six years.

[cashins]

I received a letter from them saying they have made several urgent requests to the original lender to forward any documentation relating my account to them. Unfortunately, they haven't received yet any information due to a delay in retrieving this from the lender's archives.

 

 

Being Littlewoods - they are unlikely to come up with an agreement.

 

I couldn't remember the last payment i made to Littlewoods, all i can remember it was sometime in 2004. Why is that?

 

If it was 6 years or more the debt would be Statute Barred ie forever unenforceable.

 

Assuming you have sent the account in dispute letter - if they contiue to twitter on about without producing the CCA - make a formal complaint to them.

 

David

[aralitra]

Thank you so much for the reply . I just need to dig up from my hidden files and bills in the attic to see whether it was in 2003 or 2004. Thanks guys, really appreciate that.

[MARTIN3030]

Hi 42man, it's me again. I recently checked my experian credit report and it didn't show there any default from Littlewoods in which Cabot Financial is chasing me to pay them in behalf of the above. I couldn't remember the last payment i made to Littlewoods, all i can remember it was sometime in 2004. Why is that?

 

Maybe worth checking the other 2 Equifax and Mycal CRAs too.

Have you etablished if the alleged debt was legally assigned ?-or if Cabot are collecting as agents ?