provident/cabot

[janis6670]

I have an old Provi loan, about 3 months from SB (Scotland) which Cabot now own.

 

 

Had a letter from Shoosmiths a couple of months ago re legal action so CCA sent.

 

Standard letter came back stating they were looking for agreement and reply after 40 days.

Then after the 40 days, I received a letter saying they didn't have the agreement

so although the debt was unenforceable they would still like payment!.

 

Today I have received a reconstituted agreement which Cabot reckon is appropriate.

However, there is no date, no signature and above all it is an agreement for a credit card which is not what the original debt is.

 

I feel I need to reply pointing this out but don't want to acknowledge anything this close to SB.

 

Any advice would be most welcome

[havinastella]

Are you using 5 or 6 years for the SB date?

 

I think in your situation you should point out that the agreement was NOT a credit card and until they come back with a true agreement you will refuse their offer to pay and will not enter into any more dialouge.

[janis6670]

5 years. I'm in Scotland

[obiter dictum]

Is the statute barred date from the recorded default with the credit reference agencies or the last time you made payment?

[unclebulgaria67]

To meet with the requirements of a CCA request, any reconstituted version must relate to the original document issued. Suggest that you write back, just saying that they have failed to comply with the CCA request, as the document sent does not relate to the original CCA issued. Then say they have sent a credit card related document, which is not relevant. That the matter is still in dispute following this failed request for a copy of the CCA.

[mikeymack2002]

Can you please post up in PDF format the document that Cabrot sent you with personal details removed

[AndyOrch]

Do nothing janis......its obvious the recon has been hashed together in an attempt to satisfy your request....sit tight and count the days:clock:

 

Regards

 

Andy

[janis6670]

capquest worst nightmare, I am taking the SB date from last recorded payment. This account doesn't appear on any of the Credit Reference files

[janis6670]

I have just realised that the reconstituted agreement is not mine and Cabot have very kindly given me the name address and post cade of another customer. How's that for Data Protection?

[janis6670]

And full credit card account number

[Old Cogger]

report to FCA/ etc get them in hot water again!