@asklloydsbank Cabot Financial brought lloyds tsb debt and I'm worried.

[bhb1958]

hi, the last payment was taken by lloyds from my currant acc in 2011, the last payment I actually made myself was in 2009.

[dx100uk]

ok so nowhere near SB date

 

whats the listed defaulted date please?

 

time to fire a CCa request off to crabot + £1 blank PO

 

 

 

The Loan Company

 

Company House,

 

Church Street,

 

Newtown,

 

Kent,

 

R1 7HG

 

 

 

Dear Sir/Madam

 

 

 

Re:- Account/Reference Number 4563210025897412

 

I do not acknowledge any debt with your Company or Associates

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

 

 

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

 

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

 

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

 

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

 

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

 

 

We look forward to hearing from you.

 

 

 

Yours faithfully

 

Mr A N Other

[bhb1958]

ok thats great, thanks very much for that. The default date says 13.10.2011

 

I will copy the letter and send it off to cabot with the p.o. Should I make sure the letter is to be signed for at cabots end?

[dx100uk]

others say diff

 

however

I just usually advise using 2nd class post and get proof of posting at the same time at the PO counter

costs nowt.

 

you only need to PROVe you sent the letter

not they got it..

 

DONT sign it either!

 

leave the PO blank too

 

dx

[bhb1958]

ok will do, thanks.

 

When you say not to sign it, do you mean totally no signiture at all as to that Im the sender?

[dx100uk]

print [pc] your name

[bhb1958]

right, thats all done, thankyou so very much!

 

Before I address it, the address you gave on your copy is different to the one on the letter they sent. They do say that if I want to write to them, I should use the address theyve given, which is

 

CABOT FINANCIALS EUROPE LIMITED

PO BOX 241

WEST MALLING

KENT

ME 19 4NA

 

Should I use that one or the one in your post?

 

thanks again.

[dx100uk]

that's a dummy address...

 

dx

[bhb1958]

Hi again, yep I realised after I posted it that it was probably a dummy address, lol, Im not too quick Im afraid.

 

Ive had no internet access untill this morning so couldnt update untill now.

I sent the letter, and Cabot replied saying they will have the appropriate information that I asked for, within 40 days.

 

What happens next? I just wait untill Cabot send me the original loan docs etc? And what do I do when they send them?

 

Thankyou so much again for all your help, I would have been lost without it.

[dx100uk]

they passed the 12+2 working days limit

 

send the failure to comply letter

 

and stop any payments

 

dx