cabot letter saying they haven't got the CCA - citicard then clarity then opus now cabot

[N1son]

Hi

as a relative newcomer (having lurked for some time) we've taken the bull by the horns and ditched CCCS and started to sort our mess out ourselves

- thanks to those who have already given advice.

 

We did take one piece of advice and request a CCA from Cabot who are the fourth creditor on one particular debt (citicard then clarity then opus now cabot)

 

They have written back to say

 

"Cabot financial do not currently have this information on file.

However, we have requested the relevant information under section 77 and/or 78 of the consumer credit act 1974 from the original lender.

 

We anticipate we will be able to provide this information within 40 days.

In the event we are unlikely to obtain this information within this time frame we will write to you accordingly.

 

In the meantime we recommend that you maintain your monthly repayments of £xx.xx towards this account.

For your ease of reference the outstanding balance is £xxxx.xx"

 

My query is how to proceed

- do we continue to pay the agreed amount as part of our DMP now self managed

or do we ride it out hoping that it becomes unenforceable??

 

Any advice gratefully received

[dx100uk]

they have 14 [working days]

from the day you posted you CCA to produce the goods.

 

should they fail to do so.

 

fire off the failure to comply letter and inform them you are stoppng all payments.

 

should they latterly 'find it' then comeback here and we'll advise further.

 

i'm going to mov your thread to the CITI forum.

 

it might be an idea to have a good read of some of the larger threads here

 

you'll soon get the idea about citi debts!!!

 

dx