Debt sold to Cabot old LloydsTSB

[Lightseeker]

This is exactly what happened to my son.

He was in a mess following marriage break up approx 2007, exiled from home, into flat with assc.

costs - TSB talked him into Credit card and then gave him a loan to pay off arrears he got into after losing job!

With assistance from CAB advisor set up payment plan (which included Priority debts payments CSA as wifey was taking money

AND contacted CSA which said he was in arrears even before they contacted him!

- still paying this with extra when he has temp. work,

never claims any benefits as we help where we can to keep him sane).

 

Cabot wrote - originally saying second letter and that he was already in arrears and that TSB had sold debt to them.

 

TSB advising they had written to tell him of this action (No correspondence ever received) TSB said now cannot produce copy of original loan

or (supposed) letter as now have no record relating to my son and he must ask Cabot for docs.

Cabot letters escalated to threatening External Debt Collection Agent or commence legal action (with further costs as part of County Court Judgement)

Also have his 'phone no. as he rang them before he spoke with me

- he told them he knew nothing of the debt sale but if they left their bank details and it was legit he would agree a payment.

He now receives many calls per day but does not answer.

 

My son is effectively homeless so no charge on home worries (Divorce just completed and he made no claim on marital home)

he uses my address as c/o address.

Can anyone advise on what action to take?

Should we contact TSB/Halifax for copy docs. or is this a waste of time now?

Or should we ask for proof

Cabot can legally ask for this debt (which reverted back to original amount owed before any payments made under agreement

- plus my son does not have copy of original agreement or even any recall of % rates etc.)

Thanks in advance of assistance

[dx100uk]

own thread created.

 

get his CRA file please

 

see below

 

dx

[havinastella]

Send cabot the CCA request.

 

See what they come back with.

[Lightseeker]

Thanks for the reply havinastella - are there template letters you rec. on here please?

[dx100uk]

grenn library tab top left

 

then dca section on the right

 

dx

[Lightseeker]

Thanks for that - has the Consumer Credit been updated now and so will I need to quote the 'new' Act?

[dx100uk]

no just send the cca request with a blank £! PO

 

do not sign the letter

 

make sure the top line read

 

i ack no debt to your company

 

post it 2nd class get proof of posting at PO counter.

 

dx

[Lightseeker]

Thanks so much - understood and 'will do'

[Lightseeker]

no just send the cca request with a blank £! PO

 

do not sign the letter

 

make sure the top line read

 

i ack no debt to your company

 

post it 2nd class get proof of posting at PO counter.

 

dx

 

Well did as you suggested - no reply as yet!

Well it is Christmas and we know that as we have now received an early Xmas present in the form of two further 'letters'

advising that my sons (ex) current account (overdraft just over £470) has been passed on to Apex Credit Management ??

 

anyone know them?

AND

his Credit Card account (also frozen under the previous aggreement) (approx £685) passed to CapQuest (I saw they are a South African firm???)

good to know they think the 'poor' of Britain still have some cash to extract!!

 

Need to ask for statements etc. (no communication from Lloyds for years despite them writing to say they have been unable to agree a suitable payment plan!

Understandable if my son thought his 'token' payments were still acceptable and they did not tell him otherwise!)

 

So now 4 to deal with Child Maintenance (of course priority and I shall make sure this is up-to-date)

TSB Loan/TSB overdraft/TSB Credit Card - would have been so much easier and cheaper for all if they had contacted him before passing things on

- but of course that would have been the 'honourable' thing to do!!

 

Would it be acceptable to offer Full and Final offer to the two smallest debts?

(know this should not be the way but might make it easier to manage (or will paying just make them chase him even more? I cannot afford to offer enough to cover all!)

 

Thanks

[dx100uk]

you need to get his cra file.

 

dx