help with cabot plz

[brokebutnotbeatn]

Sorry. They have not proved a claim so I would send them a letter saying that no proof of a claim has been received. I would Google appropriate wording check the timelines etc. if the house has been on the market for over a year it sounds as if they are out of time anyway? Its none of their business who the estate agent is and what the state of the sale is. They would have to get a court order to prevent the sale and to so so they would have to proof a claim that they have failed to do. As oprevous said the fact that someone is 'frightened' into paying does not mean that the debt is theirs.

[finlay32]

Ok thanks will get that letter sent to them and check land registry see where we go from there. From what i have googled they have 2 months after being informed to make a claim ( i might be wrong on that tho) and so far the only claim they are making is verbal and with no proof!

[finlay32]

Hi guys just a quick update. Have recieved letter before action from morgan soliciters saying as they have had no response Cabot intends to recover the debt owed by the estate by issuing legal porceedings, my sister-in-law has spoke to national debt line and they have advised to send a subject access request but we are not sure who to send it to is it original creditor or cabot? Any advice would be great .

[BRIGADIER2JCS]

No proof ot their claim has been received at all?

[finlay32]

no nothing my sister-in-law cca'd them ages ago and never recieved anything other than their terms and conditions with OC but most of it was marker penned out.

[BRIGADIER2JCS]

Yes get the SAR done asap, meanwhile answer the LBA with a simple statement that no claim has been proved and a SAR has been made and until this has been complied no further correspondence will be entered into.

[finlay32]

ok thanks does the sar goto OC or Cabot?

[daverules]

ok thanks does the sar goto OC or Cabot?

 

SAR to OC

[finlay32]

ok thanks is that even if cabot purchased the debt?

[BRIGADIER2JCS]

Yes purchased with a minimum of information.

[daverules]

ok thanks is that even if cabot purchased the debt?

 

Yes even if Cabot purchased the debt, the OC still hold all the relavent information, if you SAR Cabot you will only get the

information they have added themselves since they came involved.

[finlay32]

ok thank you for your help. The original creditor was monument so will see if i can find there address as we have no paper work for them.

[finlay32]

Cabot purchased the account in 2007 so would it be worth sending them a sar aswell ?

[BRIGADIER2JCS]

SAR always to the original creditor.

[finlay32]

:thumb:ok thanks will get that done and sent off tomorrow.

[finlay32]

Sorry just one more question do you know if it has to goto a particular department within monument? When i google monument i keep finding different addresses one in leicester, one in crawley and a po box in northampton. Does any one know which is the best one to use?

Edited November 5, 2012 by finlay32