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Cabot chasing old Citi card debt


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Hi

I ,am getting letters from DCA to repay this debt on the letter it,s says i owe the full amount

of £2000 but as i,ve been paying it by D/D until i stopped it the amount is down to £800 but they keep putting the full amount on. is there a letter i can send disputing amount owed ?

Thanks

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Is this a different DCA to who you were paying?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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What type of debt was this? If it was a loan or credit card you could send MH a CCA request which costs £1 and should also produce a statement of a/c.

 

It would be interesting to see what you get back if Cabot have passed it on to MH (who are the bottom feeders in the industry). ;)

 

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

 

Also, was there any PPI involved with this a/c?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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  • 2 weeks later...

Hi

Sorry for the delay have been on nightshift takes a while to get back into the routine again. (1) credit card (2) No PPI( 3) Have asked Cabot in the past about the balance got no reply only response seems it was passed on to MH

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Send MH the CCA request, link in post #5.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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And as the debt is in dispute, STOP PAYING THEM!

You'll get answers to questions faster when you hit them in their pocket.

When you send of the CCA, add a line that the debt is in dispute, and why (don't give figures, just say

"the outstanding balance does not tally with my records")

 

 

As to the phone calls:

Rule 1:

DO NOT TALK TO A DCA ON THE PHONE

Carpe Jugulum

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  • 1 year later...

Law firm Shoosmiths has merged with Edinburgh-based Archibald Campbell and Harley in a move intended to expand the debt recovery capabilities of both companies across the UK. The new firm will be known as ACH Shoosmiths in Scotland and will go live in the autumn subject to regulatory approval. Shoosmiths is established across England, while Archibald Campbell and Harley was founded in Edinburgh over 100 years ago. Both firms intend to establish a UK-wide recoveries presence while challenging the market in Scotland as a result of the deal. 30th June 2012.

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tells us about the debt please

 

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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Hi

nothing exciting

 

it was on credit card

 

got into bother trying to repay

 

By the time i got myself sorted debt was sold on to DC

 

just refused to have any dealings with there like this is the first i,ve heard for about 2 yrs i had forgot all about it.

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  • 1 month later...

Hi

My wife has a credit card debt approx £800

 

recently she had a letter from some solicitor saying they are starting court proceedings

if she does not contact them to make an offer to pay in the letter

 

they state that they will put an order on to stop selling the house till the debt is cleared.

 

As the house is in joint names

 

it seems i am being blamed as well what I would like to know is can they do this ?

 

thanks

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whats the debt all about please

 

tell us the story.

 

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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Hi

Like I said in the thread

 

its a credit card debt been ongoing for about 3 yrs now then

 

started to get demands from DC

 

now these solicitors making demands.

 

As i,am not on the card I don,t think it,s right that they can stop the house sale if I wanted to sell it.

 

that,s what I was curious about

 

if they really could stop the sale.

 

I,am not putting the house up for sale

 

just wanting to know the legal bits that these solicitors are claiming they can do.

 

thanks

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its a letter from a fake/tame dca pretending to be a solicitor.

 

doesn't say will anywhere I bet.

 

is this on your credit file?

 

how old is the card

 

how old is the debt

 

when did you last make a payment?

 

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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Hi

Well the solicitors are called shoosmith (that sounds dodgy to start with )

 

It,s on her credit file card taken out in 2007

 

defaulted 2009

 

last payment was Feb 2011

 

she was late or missed payment to some DC

 

and they sent a nasty letter saying no more payments

 

they wanted the full amount( told them what to do with themselves)

 

never heard anything for 2 yrs approx

 

then got the odd demand from different DCs.

 

now this new demand thats about the full picture thanks

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so who are shoe's client ...

 

what is the card please and when was it sold on

 

have you ever thought of getting all the statements via an sar to the OC?

 

I bet theres heeps of PENALTY charges &/or PPI to reclaim.

 

get a CCA request off to shoe's

 

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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Hi again

 

(1) Cabot finance

 

(2) Citi credit card.

 

think Cabot first got in touch 2010.

 

No PPI on it and sorry no idea what SAR/CCA request means :sad:

 

Another letter arrived saying if she will pay off all the debt meaning one off payment

 

they will reduce the amount due did,nt say by how much

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go back to post 8 and click the links for

 

SAR to get all the statements from citi

 

and

 

CCA request to make SURe these new people trying to fleece you

hold the correct and enforceable agreement to even demand money from you.

 

I've move you to the citi forum.

 

they'll have a job in getting and enforceable agreement

and the CORRECT T&C's for a citi card

just read in this forum.

 

you also mention they are offering 'a discount'

 

so something is very likely to be wrong somewhere

like PENALTY charges/CCA

 

esp as citi have sold the debt on.

if they could enforce this debt - why sell it with a discount on offer...urm...

 

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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