Clarity/ Cabot: No CCA given

[sacredhart]

Hi,

I hope I can get some advice here. And apologies if I'm asking obvious questions, I've looked around the site but couldn't find quite what I was looking for.

 

I recieved a letter in February from Clarity saying I owed £1500 on an old egg card I had 5-6 years ago. I thought I had paid it off at the time but since have moved house several times and my number has changed. If I did still owe any money it must have been close to £0 as I thought I'd paid it off.

 

I sent a CCA request to Clarity who told me they'd passed it back to Egg.

 

Then on 25th March I received a letter from Cabot saying they had requested the information and that they anticipated they could provide it in 12 days (my request was made a month previous!).

 

4th May a letter saying they were continuing to request info.

 

Also 4th May letter saying my account was on hold, they would continue to request for it and I should repay outstanding balance.

 

I haven't replied to anything after sending my initial CCA request. Should I keep quiet until they send me anything concrete?

 

Any advice is appreciated...

Thanks

[citizenB]

You could if you wish send a Subject Access Request to the original lender.. you might find information to prove that you have paid it off.

 

IMHO, you shouldnt need to do anything else with Cabot/Clarity until htey provide the information you have requested, especially as they are saying they have put any further action on hold until htey provide the information.

[sacredhart]

Thanks.

I thought that if a CCA wasn't provided in 12 days the debt was void?

Also the debt may be over 6 years old depending on when this is measured from. (from the day the card agreement was originally taken out?)

In which case does that mean the debt is void?

Thanks again...

[dx100uk]

void?

no poss un-en in a court

still doesn't make it go away.

 

SB is from last financial use in/out by YOU.

 

dx

[harrassed senior]

Thanks.

I thought that if a CCA wasn't provided in 12 days the debt was void?

Also the debt may be over 6 years old depending on when this is measured from. (from the day the card agreement was originally taken out?)

In which case does that mean the debt is void?

Thanks again...

 

After 12 + 2 days with no response, the Account is in Dispute and no actions can be taken until and if an enforceable Agreement is provided.

The Statute Barring of a debt runs from the last payment or acknowledgement from yourself.

 

Any debt is never 'void' it may be unenforceable in Court: Time Barred; but is never 'void'