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capital one debt with cabot


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Where do we stand with capital one and a old debt being paid by standing order every month..

 

* we set up payment by standing order as they weren't helping..since payments were made they were quiet

*credit file shows no payments and just monthly default updates

* now had a letter saying debt sold to cabot and pay them not us

 

Any advise guys?

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Have you received a Notice of Assignment that the debt has been sold to Caboot?

 

Regards

 

Andy

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I hope you've sent cabot a cca request

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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Letter only came last night.

 

I will send the cca request to cabot and i think i should see what charges have been added as well over the years by Capital one?

 

What about the fact no payments have been registered on the credit file and its constantly showing default?

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Have you had any statements from Cap1 showing payments made by S/O ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Yes I have. Not a usual credit card statement - but a summary of all payments received to date. We didn't ask for this,it just came a few weeks ago.

 

Also our bank statement showing the monthly payments and the card number as the reference.

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Could be the debt has been administratively wrote off with regards to CRA data...and they are just reporting the default and not payments...at a guess?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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sar to cap1 time me thinks?

have you all the statements?

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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Share on other sites

No just the statement showing the payments by standing order. But a SAR should show me all this information...

 

Couldn't i ask Cap one to amend the credit file to confirm payments being received then?

 

I was going to ignore Cabot and carry on paying as we have...but I'll send them a CCA request and CAP one a SAR request.

Thank goodness I found this site!

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If the debts been assigned I wouldn't be making any further payments to Cap 1.....whether you make any to Caboot is your decision...as for payments showing against the default I also think thats

irrelevant IMHO.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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I assume the credit file has a defaulted date in its summary?

 

Strange cap1 have not reported the s/o payments mind

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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Share on other sites

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