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Cabot ...chasing Barclay OD debt. + lots of other debts


wheelsdd
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Hi

Please be gentle as im new here but ive been browsing and im hopeing to get some advice - god knows i need it.

 

Today I received a letter from Cabot regarding a really old Barclays overdraft

- the last communication i had from Barclays was a termination notice in march 2008 and then the account had been back and forth to wescot and now cabot.

 

They are asking me to pay £1600 immediately - they will need to join a very long queue :-(

 

We have long debts going back 3-6 years due to my hubby being out of work for a while,

 

im disabled and having chemo although i do work if im able, and we seem to be getting a lot of letters regarding 'old' debts just recently.

 

Last march we had a bill for £12k tax credit overpayment which we are paying back @ £25 per month but i dont know where to start with these,

 

i have a couple of catalogue debts (reliable collections) who are not very helpful when we asked if we could make token payment of £1

until we get back on our feet and

 

they are hounding me night and day,

 

as well as Studio who agreed an affordable amount but then added charges on and wont stop phoning me.

 

Its all getting too much and sometimes i just think it would be easier if i wasn't here.

 

And now this

 

- can anyone advise if there is anything i can do?

 

Can i send a CCA request ... or not as its a bank account/overdraft?

 

I dont know what to do.

Hope someone can help.

 

Thank you

 

DD

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Hi welcome to CAG,

 

If you can list the debts with the creditor, debt collector (if any), the amount owed. payments being made if any and who to.

 

We can try to sort them out 1 by 1.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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and get a copy of your and your hubbys CRA file too

see below.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you for your replies. I'm not brave enough to look at our credit files

- just before Xmas our landlord of 6 yrs told us we had to find somewhere else to live as he was selling our house

so we have had the extra expense of a house move to deal with as well.

I was actually quite shocked that we passed the credit checks for a new tenancy to be honest.

 

Anyway debts as follows:

 

Council tax arrears: £350 paying £100 per month

Tax credit £12k paying £25 per month

Studio £1200 paying £13 per month (their suggestion but now they act like they never made this agreement)

Reliable collections mine: £1800

Reliable collections hubby: £1600

 

Both of these refuse to enter into negotiations

- with help of national debt line I wrote and asked them to put on hold, they refused, now offered token of £1 and they refused that too.

 

Barclays overdraft (Cabot) £1600 not sure what to do on this one

 

Welcome finance £4.5k they are not pestering me for this as its in dispute for ppi

 

Black horse £3.5k same situation as welcome

 

We have other debts which are smaller and we haven't heard from them in years.

 

I really appreciate any advice

 

DD XXX

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you need to get your CRA file

 

if you got approved for rent

then you must have a good report

 

so...

 

that means that NONE of the consumer credit debts are showing

 

that usually means they are over 6yrs old [from default date and have been removed

and most prob statute barred ...

 

 

so...

 

this means that MOST of your comsumer debt NO LONGER EXISTS!

 

CTAX & TAX credit are priority debts and will not show on your CRA file [keep paying!]

 

all the other i suggest you are p'haps being fleeced on.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok I don't understand the rental check either - also accepted for BT too. But when we tried interest free credit at Argos it failed - can't figure it.

Is there a credit check site to recomend?

Thank you so much

DD XX

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no DCA has any legal powers unless they OWN A DEBT.

and they can supply an ENFORCEABLE CCA.

 

they are NOT BAILIFFS!!

 

 

CRA file details are below

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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nope not covered by CCA

 

i would suggest you ignore them for now till you get your CRA file

and see who owns the debt

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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not at all

if i didn't like a voluntary site..i'd not post!

 

dx

  • Confused 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Experian and Equifax are the most used by creditors an both hav 30 day free trials, just remember to cancel before the 30 days expires.

Call Credit (Noddle) is free but often not up to date.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi again

Just a quick update.

 

My health has deteriorated over the past week and I'm quite poorly at the moment,

still not had chance to pull up the cra files as yet but I'm being hounded by one of the most recent debts (studio24) - plus reliable collections.

 

We were paying these accounts religiously up until sept last year when I wrote and explained our problems.

 

Reliable point blank refused to help and studio said the least they could accept was £13 per month which I agreed and began paying.

 

They then add charges and ring 7-8 times per day so clearly not sticking to their agreement.

 

I haven't the energy to deal with them at the moment - I don't know what they will do next

but I can't get myself better worrying about them.

 

I just want it all to be over :-/

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dnt get bullied

stay off that phone

 

get yourself well first

 

they cant do anything to you

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

Hi dx100uk

I still haven't got around to that credit report :-(

 

I have however had a letter from an old mobile phone company (so old i cant remember it)

 

Its from Lowell and i have quite a file of correspondance going back 6 years and more.

 

In my wisdom i wrote to them and advised them i thought this was statute barred

- i came to this conclusion after realising I had been with my current provider since 2007.

 

They wrote back and advised that it was not statute barred as I had made a payment in June 2007 for £1.

This £1 was actually a CCA request letter which as you are aware states that the £1 must not be used towards the outstanding debt

 

i am a little confused as to why they have credited this to the account.

 

I have a statement print out and the last actual proper payment was made on 26/03/2007

- and now because i havent replied to their letter they are threatening to obtain my credit file etc and see if i am paying other stuff!

 

I dont know what to do now!

 

Back in 2007 this was actually taken to court through MCOL and I submitted a defence

- but nothing happened, i did call the court last year to find out how we stood but they said i would have to apply to have it struck out or something.

 

I seem to be getting old debt letters every week

- is this due to the recent credit search for the rental agreement do you think?

 

I am so stressed - and while im well for the time being it wont last :-(

 

What do you think i should do with this one?

 

:|

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you need to get that cra file

 

lets see the truth on all your debts.

 

as for lowlife & the £1 trick

ignore them it IS SB'd.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Hi again

Sorry I haven't been in touch I've been struggling health wise going from one infection to another :-(

Today my husband received a default notice from SimplyBe catalogue - they refused point blank to accept reduced payments and have called every day up to 8 times a day. What's the best way to handle it now? Is it too late to offer repayments in the hope that they will accept them?

Thank you again

Wheels x

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you don't OFFER you TELL.

 

its YOUR MONEY

take control...and GET that CRA file please.

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

LETTER 1

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

could you please as a reciprocal goodwill guesture,

refrain from levying any penalty charges & freeze the interest on my account.?

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions would do nothing to help me.

i thank you for your time.

signed

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

if you have sent the above and they refuse

then write back........

.

.LETTER 2

 

i'm sorry, but you have failed to assist me during a period of financial difficulty,

against all the guidelines and codes issued by the relevent bodies and authorities

that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges

& freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you so much I will get this sent off over the weekend. Does the default notice mean anything for us then? The wording is scary I guess that's their intention.

I did send the first letter but as I said they refused point blank so I think the second is my next option.

ThAnk you

X

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you should ideally be matching these debts up with your CRA file entries

 

how old is the catalogue?

have you ever seen the agreement?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ok prob not worth contesting.

 

have they hit you with £12 fees?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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