Cabot/mortimer claimform - +15 yr old HSBC Credit Card 'debt' - ** CLAIM DISCONTINUED **

[saintorsinner]

Hello , everyone just an update

 

I sent off my defence to which it has been acknowledged and served to the claimant .

 

So far, the only letter I have had was from cabot on the 8th of May , acknowledging my request for my credit agreement.

 

I still havent had any acknowledgement CPR31.4 this was sent recorded 25th of April.

 

Is this normal , it seems strange they have gone very quiet

[dx100uk]

their next move now

 

 

if its passed 28days from your defence ack

 

 

then it auto stayed.

 

 

dx

[saintorsinner]

Great , I am about to data subject access the account to see the amount of charges ect. Do i send the letter to HSBC or the new owners of the debt

[dx100uk]

always the OC

 

 

dx

[saintorsinner]

Hi everyone,

 

been reading the forums on Notice on assignment

 

So is it really the case that , if the OC does not service the notice by recorded delivery or by been served it , isnt effective? I never had any notice of assignment off them

[Ganymede]

They'll probably produce a copy and blame Royal Mail for you not receiving it.

[saintorsinner]

Hi everyone

 

Quick update , received a letter , saying they have received my defence , stating the matter is on hold . Its been on hold now 3 times. They are now taking instructions from their client

 

Is this normal? They dont seem to be doing much

[saintorsinner]

just received a letter from HSBC saying my signature doesnt match the records so they wont send me the information , i need to send proof of who I am and go into a branch

[dx100uk]

so you've moved too since taking this out?

 

 

dx

[saintorsinner]

Yes moved 13 years ago. But i did send details of myself i the letter,

 

**update**

 

Well I went down the the bank and spoke to the Branch Manager, He told me all they keep on file for me is basic profile saying I had an accounts with them and that it went into collections and then written off

He then said since the account was more than 8 years since it was written off , all data is destroyed and he couldnt see anything on file , just a basic profile with key dates on

[dx100uk]

they wont see it

 

 

send the sar with the info they want

 

 

did you send a copy of your current CTAX bill as advised in the SAR thread you got the letter from?

 

 

dx

[saintorsinner]

I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts and credit cards .

 

My previous address was

 

[removed please don't post templates in the open forum - dx]

 

I took it from a thread you wrote , i think its a template you used a few years ago i think

Edited May 30, 2015 by saintorsinner
had my name on

[dx100uk]

read the rest of the posts of the SAR

[saintorsinner]

apologies have made a etiquette error? in regards to posting

[honeybee13]

apologies have made a etiquette error? in regards to posting

 

Hello there.

 

Template letters shouldn't be posted on threads. It should have had a warning in red at the top of it saying not to do that. If it doesn't, please let us know.

 

HB

[saintorsinner]

Hi All

 

The first deadline has passed for the request for the Signed credit agreement. It has been 40 days.

 

Still no reply from my orginal request for information , the CPR31.4 i think .

 

Once it reaches 28 days it becomes stayed , can i ask for this be struck out of court so they cant come back months later

[AndyOrch]

" Once it reaches 28 days it becomes stayed , can i ask for this be struck out of court so they cant come back months later "

 

No...

 

Andy

[saintorsinner]

Cheers , its only a few days now . before the 28 days is up.

 

is this normal , for CABOT . to just ignore , will they be aware of the deadline?

[dx100uk]

quite

 

 

so read other cabot threads

 

 

dx

[saintorsinner]

**Update**

 

Morning esteemed caggers

 

I received a letter from Cabot today.

 

It states they cannot find the agreement so the debt is unforceable . It says it will continue to request the information ,and that my account is on hold till they recieve such information.

 

Is this a result and what happens next?

[AndyOrch]

The claim is stayed....irrespective of the above....until they find the agreement and wish to proceed...it will remain that way.You could write a response in view of their failure to comply and invite them to discontinue the claim...doubt they will comply...but even if not then just leave it as is...its not harming you nor is is going anywhere.

 

Andy

[saintorsinner]

thank you very much , so this sounds like a result?

 

I guess they wont bother after a while and it will just leave it here

[saintorsinner]

Where do I stand with CABOT processing my information and also , the numerous and i mean numerous credit searches all be it soft searches

[AndyOrch]

Cabot own the debt...they can do as they wish...except enforce it.

[saintorsinner]

**Update**

 

The process is now officially stayed. The deadline was Tuesday it came and went with no news.

 

Will Cabot ever get back in touch or now is it case of looking over my shoulder every now and then!!