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BCT now cabot


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Ive got another question about another debt which i had with british credit trust

was payin them for years for a debt and it has now gone from my credit file,

 

 

suddenly about 7-8 months ago they stopped taking payments n then cabot started sending me letters

and eventually mortimer and clark solicitors said they are taking me to court,

 

 

i paniced and agreed to pay a little amount monthly,

 

 

now since its off my credit file for the original debt if i ask cabot for a cca

and then stop payments can they add it to my credit file?thanks

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Ive got another question about another debt which i had with british credit trust was payin them for years for a debt and it has now gone from my credit file,suddenly about 7-8 months ago they stopped taking payments n then cabot started sending me letters and eventually mortimer and clark solicitors said they are taking me to court,i paniced and agreed to pay a little amount monthly,now since its off my credit file for the original debt if i ask cabot for a cca and then stop payments can they add it to my credit file?thanks

The key to this is the default date, if the entry has been removed on the 6th anniversary of the default date paid or not It Cannot be put back on the CRA files.

Unfortunately your payment (s) restarted the stat barred clock, so even though the debt is gone from files it still exists and remains payable.

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

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Right ok so il have to keep paying it but they cant take me to court to get a ccj or put it back on my credit file?

They cannot replace the default entry, but the debt is not statute barred because of your payments.

Cabot could start a claim but questions would be asked as to why such action had not been taken earlier.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi all as my prevoius post says i defaulted in april 2010 with lowell,i requested the cca which they do not have,if i come to an agreement to pay the debt off will it be removed from my credit file 6years after the default or from the new date i 1st pay?thanks

Pay them nothing no cca no debt!!

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Ok so roughly speaking i just have to keep the payments going now?

Reduce to £1 pcm and tell the to go whistle.

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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send a CCA request

 

 

BCT or THames Credit as they were

have been hit by fines several times by various authorities

 

 

all their portfolio has been sold to cabot

 

 

there are always heeps of charges and PPI/GSP etc etc

 

 

have you ever sent a CCA request

or an sar?

 

 

you should be doing these with ALL your debts

rather than blindly paying DCA after a threat-o-gram.

 

 

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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thread created for the BCT debt

 

 

tell the full history 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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