CAS/equidebt/Cabot etc - old RBS credit cars almost SB Scotland too

[davehsug]

Last payment date. Ties in with what I found out from cccs.

[dx100uk]

good

 

should work out nice then

 

dx

[Too_many_cards]

my guess would be they were phoning to beg you to pay something if they had replied to your CCA request it would be in writing. they probably called to try and bluff there way out of fulfilling cca request maybe say something like we have sent you it ,should be wth you any day but to stop legal action you need to pay today in hope you pay and restart SB clock. would probably wok on those ho have no idea they have rights

[PriorityOne]

Hi again. Time is nearly up for the CCA request now & no letter, but I had an answerphone message from Weightmans today asking me to call. I'm minded to ignore them as I fire off the dispute letter next week anyway. Sound right?

 

Yes.... ignore..... and hang up if they do manage to make contact. Don't forget to include the words "I do not acknowledge any debt to your company or to any company you claim to represent" on the top of the dispute letter and send by rec. delivery.

 

Yes DX, confirms SB in March. What could they want though? I sent the CCA request, they haven't replied. They could reply by letter & I'm not getting involved in calls with them.

 

Don't let your curiosity fool you. They can say drivel on the phone that would never get put in writing. That's why they like doing it.

[davehsug]

Yep, prety much what I was thinking. Thanks for the help all, I may be back with the CCA if they ever send one!

[davehsug]

Idiots! Received 2 letters today, 1 saying I have failed to make a payment arrangement, but that their client (Equidebt) has extended my deadline. (How kind of them). Letter 2 offers to reduce the debt to about 35% of the original sum. I have a better offer for them, send me the CCA! Anyhoo dispute letter goes on Monday. I'll send one to Weightmans & a copy to Equidebt. I assume that's correct?

[dx100uk]

you never said you are getting discount letters

 

thats the clincher then

 

anyone offering a discount either knows:

 

the debt is sb'ed or has paperwork errors

or

the debt is mostly penaltty charges or ppi - which can be reclaimed

 

eitherway

 

they'll NEVER EVER go near a court for fear of a counter claim

and the surface of their 'claim' gets scratched too deep.

 

if it were me

totally ignore everyone now.

 

just hae a read of a few threads with discount in the title

 

NO 'discounted' debt , bar i think one [and that was a diff reason]

has EVER gone to court

 

dx

[davehsug]

Thanks dx, this is actually the first time a discount has been offered, so as you say, having received the CCA request, they've probably dug a little deeper & seen that they have no proper paperwork & the debt is almost SB, so are trying to get anything they can. I will send the in dispute letter just to be safe & give me more ammo for when MuckHall or some other bottom feeder comes sliming along in a few months time.

[griffin036]

NO 'discounted' debt , bar i think one [and that was a diff reason]

has EVER gone to court

I'm not disputing this quote, I just find it very hard to believe!

Having in the past been offered a "discount" of 40% for partial settlement that they promise they wont chase the rest, I wouldnt trust a certain american bank not to take legal action.

[PriorityOne]

Erm..... yes, they will go near a court.... but only if they think they can get away with it, which is why you need to cover your bases earlier.

 

All correspondence goes to Weghtmans and to whoever's pulling their loo chain. Don't ignore anything at this point but make sure the wording "I do not acknowledge any debt to your company or to any company you claim to represent" goes on top of evrything if this one's close to SB status.

 

[davehsug]

Hi again.

 

Received the paperwork back & to my surprise it is a copy of my original agreement, complete with signature etc.

 

I just have a question regarding statute barred now.

 

I have determined via CCCS, that they last made any payments on 17/03/06.

 

I believed that this would be the start date for SB so it now would be.

 

I've now read on other threads, that the SB starts from the date that the first missed payment was due.

 

Could anyone clarify which it is please,

 

as I would like to get the SB letter sent off asap.

 

Thanks again

[dx100uk]

send it

 

its for them to PROVE its NOT SB'ed

 

not for YOU to prove it IS..

 

dx

[davehsug]

Thanks dx.

[davehsug]

Well, statute barred letter was sent. Received 2 letters today, 1 dated 11/04/12 saying that they had closed the acount & sent it back to their clients (Equidebt) & another dated 12/04/12 offering a 50% discount for a full & final settlement! DCAs really are the pits aren't they. Anyhoo, everything will be ignored now, until some bottom feeder comes along in a few months! At least I can get rid easily.

Thanks to everyone who's helped.

[davehsug]

Hi all.

 

Had a letter today from Cabot informing me that they had taken over a debt from Equidebt.

 

I know they bought debts from when they went bust as I am already paying one.

 

The one on the letter today is however statute barred & I had conformation of such from Equidebt some months ago

& they made no further attempts to collect, so presumably, the account is marked as SB in some way.

 

Question is, do I respond to this letter & go through the whole SB rigmarole again with Cabot, or do I just ignore it?

 

Any advice appreciated.

[fkofilee]

One letter from the Template Archive (In my signature)

Send them the SB Template and then you should be away with it

[dx100uk]

I hope you've cca 's the one you are still paying.

 

dx

[BRIGADIER2JCS]

Hi all.

 

Had a letter today from Cabot informing me that they had taken over a debt from Equidebt.

 

I know they bought debts from when they went bust as I am already paying one.

 

The one on the letter today is however statute barred & I had conformation of such from Equidebt some months ago

& they made no further attempts to collect, so presumably, the account is marked as SB in some way.

 

Question is, do I respond to this letter & go through the whole SB rigmarole again with Cabot, or do I just ignore it?

 

Any advice appreciated.

Hi, before sending any letters regarding statute barred status to Cabot, please check your credit files on this debt.

 

I seriously doubt that any note has been made on files passed to Cabot regarding the status of the debt.

 

The nasty habit of selling on SB debts is rife although the OFT Guidance has a specific section dealing with this this.

 

Once you can confirm 'independently' that the debt is SB please come back here and I will compose a letter to deal with this specific situation, the template SB letter may not be appropriate.

[florish]

Hi, before sending any letters regarding statute barred status to Cabot, please check your credit files on this debt.

 

 

 

I seriously doubt that any note has been made on files passed to Cabot regarding the status of the debt.

 

 

 

The nasty habit of selling on SB debts is rife although the OFT Guidance has a specific section dealing with this this.

 

 

 

Once you can confirm 'independently' that the debt is SB please come back here and I will compose a letter to deal with this specific situation, the template SB letter may not be appropriate.

 

 

 

What is the difference Brig?

I sent Cabot the 'normal' statute barred letter ((Scotland) last week after they contacted me about a debt they purchased from Cabot.

Will that be ok?

[BRIGADIER2JCS]

Cabot will ignore the 'Scotland' point endlessly.

[florish]

Cabot will ignore the 'Scotland' point endlessly.

 

 

 

What should I do if they do ignore Scotland? (ie the 5 year rule)

[BRIGADIER2JCS]

Formal Complaint to the Data Controller at Crapbot!

[florish]

Formal Complaint to the Data Controller at Crapbot!

 

 

 

Will do, thanks Brig

[BRIGADIER2JCS]

 

 

 

Will do, thanks Brig

 

You're welcome, good luck.

[davehsug]

Hi Brigadier. The debt is definitely SB. Equidebt confirmed they would be closing the account. I expected some low-life to come crawling again eventually, but I was just surprised that Cabot wouldn't know when taking over Equidebt's portfolio.