Cabot CCA return for old Sky Card - help

[BRIGADIER2JCS]

I have a copy of the t & C from Cabot who now have this debt on Sky/Barclay card however no signature is evident on any of the documents and as I stated previously I believe this to have been started prior to April 2007. Do I ring my DMO and now argue with them about any more payments for this debt or any other that I have dispute.

 

Help

 

xx

 

 

Reconstituted agreement do not have to have signatures.

[mrsimmo189]

 

I have been with payplan since 2008

 

 

I was not seeing any real reduction in my debt

 

 

I argued that maybe an IVA would be better

 

 

I pay something out of monies paid to them for insurance,

 

 

not really sure if I pay them sure I must though.

 

 

Im holding out on the IVA as it has been suggested that any extra future earnings will be taken into the IVA at a certain percentage.

 

 

No I have no PPI or interest I believe attached to cards

 

 

but as I have no statements I could not even check.

 

 

This money to would go towards debt in IVA.

 

 

Really trying to sort things out and wished 6 years ago I would have had the insight to use a forum for advice

 

Thanks for any advice

 

xx

[dx100uk]

sounds like you need to get a few SAR's of to your creditors and look for PPI.

 

 

etc etc.

[slick132]

Unless you were very quick to act between getting into arrears and getting the DMC to stop Sky/BC adding penalty charges, there would almost certainly have been penalty charges added to your a/c.

 

Do you not have old statements for the a/c. These could be worth a lot of money to you.

 

[mrsimmo189]

I have no statements apart from RBS which have replied to CCA and stated they have not sold on debt. I have sent out a SAR to all four creditors with £10.00 fee and recorded delivery and will now wait on outcome and will keep you posted.

One other thing my OH is in IVA would he still be able to use the CCA for his creditors now or should this have been done prior?

[dx100uk]

whos the IVA with

ideally it should be done first

 

 

but do them now.

 

 

you can always fail the IVA.

 

 

dx

[mrsimmo189]

Good Evening

 

I have recieved a CD from Cabot who are dealing with the Sky/Barclaycard creditors after sending them a SAR,

 

 

although it has information with regards to my account there is nothing on any paperwork prior to when the account was taken over by them

when I entered into a DMP.

 

 

I stated in another post that Barclacard had contacted me with regards to some money that they say was not PPI

and then sent me a cheque although I have no breakdown of what the money is for etc.

 

 

As suggested I forwarded a letter to them stating that I require a breakdown and that I had requested SAR against this account

so do I now just see if Barclaycard will send me any details of the account which Cabot have not?

 

 

only payments they recieved from my DMP.

[dx100uk]

who said SAR a DCA?

 

 

dx

[mrsimmo189]

Sorry I dont understand your question ?

[dx100uk]

cabot is a debt collection agency

 

 

where were you told to send an SAR to a DCA?

 

 

they should go to the [original] creditors

 

 

dx

[mrsimmo189]

So Cabot were not the original creditors Barclaycard were right,

 

 

that then would be the same for Fredrikson who are acting on behalf of Nationwide

 

 

they have not returned postal order or replied?

 

 

So back to drawing board and more postal orders to send out.

 

Thanks DX

[slick132]

An SAR must always be sent to the OC (Original Creditor) who in this case is BC.

 

[mrsimmo189]

Hi

 

have been awaiting details of my Barclaycard debt ie signed agreement etc from Barclaycard

after incorrectly sending request to Cabot,

 

who sent me a CD with only limited details regarding payments to Cabot as they are now in control of the debt to Barclaycard.

 

I sent letter with postal order to Barclays although have received no reply this was sent proof of sending.

 

In the meantime Cabot have sent me letters stating I am in arrears with the payment to them and it has been flagged on my credit file.

 

My question is

 

who should I be writing to next.

 

Any Advice would be greatly appreciated

[filrobbo]

Have Cabot bought the debt or are they just collecting for Barclays,

[mrsimmo189]

Do you Know I have no idea

 

 

Cabot keep sending me statements although when I mistakenly sent them a SAR

I received a CD with payments made to them from the DMP I was in.

 

Barclays recently contacted me with regards to no ppi they said,

 

but other payments I had made they said and then sent me a cheque with no breakdown etc,

 

that is what I am waiting on from them

 

and I also requested details of a signed agreement

 

but heard nothing back as of yet.

 

Should I chase them up again?

 

Confused totally

[citizenB]

Chase up BarclayShark for the SAR/CCA requests and send a short note to Cabot advising that B/shark are in default of your s78 request and as such there is a dispute in place.

[dx100uk]

is this your skycard?

 

 

dx

[mrsimmo189]

Hi dx yes my Sky card with Barclay as original lender?

[dx100uk]

old and new threads merged

 

 

always best to keep to one thread

 

 

else make a mockery of people past advice and their time helping you.

 

 

dx

[dx100uk]

ok now that's sorted

 

 

are you still in your DMP

and WHO is it with please?

 

 

dx

[mrsimmo189]

No I have pulled out of the DMP Payplan six years and not cleared a bean.

[dx100uk]

good on you.

 

 

so no-one that has not produced an enforceable CCA is getting any money from you too?

 

 

dx

[mrsimmo189]

Hi dx no one at the moment but Im sure someone will eventually take me to task just thought I would wait till all corespondence sorted first before I paid anymore out. What do you think? Is this advisable:|

[dx100uk]

those debts that are with dca's and have no enforceable CCA you should consider the worth of any payment

 

 

those still with the OC, will need further investigations/statements etc

and ideally you should create separate threads for each one.

 

 

dx

[mrsimmo189]

Hi, Cabot last letter with regards to Skycard through Barclaycard, confusing I know, say that notice is give in compliance with the Financial Conduct Authority Consumer Credit Sourcebook and is being sent to you as you are behind with payments etc etc.

This is not a formal demand but a formal statutory notice etc etc

Today I will write a short and brief letter to Cabot as suggested and write again to Barclaycard regarding this account will keep you posted