Cabot chasing Cap1 card debt - getting close to SB time

[scoggins]

Hello all bare with me as I tell my tale( Or wife's tale).

 

In April 2009 I sent a CCA request to Cap1 disputeing the debt.

 

After no CCA only an application form

I put the account into dispute, beliveing that would stop the interest.

 

Unbeknown to me my wife used the card in September 2009 but I was still making monthly payment.

 

At the beginning of January 2010 I wrote to Cap 1 offering a goodwill gesture

but accepting no liability to pay-off the balance at a figure from September's balance minus the PPI on it, they refused.

 

In the middle of January 2010 I stopped making payments as they would obviously take more notice.

 

3 DCA's later I heard nothing until July of this year.

 

Last month I received two letters, in the same envelope,

one from Cap1 thee other Cabot saying Cabot now owned the account..

 

This week Cabot sent me a letter asking me to get in touch.

 

Now I believe I am 3 months away from getting it SB'd

however finances are good

 

 

I do not mind paying but not at the amount quoted as it increased drastically from when I stopped paying.

 

Do I ask Cabor for a CCA request and do I ask for a SAR?

 

Any help but be very much appreciated as I haven't had to deal with any of this for around 3 years

and the confidence as waned, although it's probably because the finishing line is in sight.

 

Also should a do a credit check or could this flag the account as comming to almost 6 years.

Thank you and sorry for the long read

[unclebulgaria67]

Hello all bare with me as I tell my tale( Or wife's tale).

 

In April 2009 I sent a CCA request to Cap1disputeing the debt.

After no CCA only an application form I put the account into dispute, beliveing that would stop the interest.

Unbeknown to me my wife used the card in September 2009 but I was still making monthly payment.

At the beginning of January 2010 I wrote to Cap 1 offering a goodwill gesture but accepting no liability to pay-off the balance at a figure from September's balance minus the PPI on it, they refused.

In the middle of January 2010 I stopped making payments as they would obviously take more notice.

3 DCA's later I heard nothing until July of this year.

Last month I received two letters, in the same envelope, one from Cap1 thee other Cabot saying Cabot now owned the account..

This week Cabot sent me a letter asking me to get in touch.

 

Now I believe I am 3 months away from getting it SB'd however finances are good so I do not mind paying but not at the amount quoted as it increased drastically from when I stoop paying.

 

Do I ask Cabor for a CCA request and do I ask for a SAR?

 

Any help but be very much appreciated as I haven't had to deal with any of this for around 3 years and the confidence as waned, although it's probably because the finishing line is in sight.

Also should a do a credit check or could this flag the account as comming to almost 6 years.

Thank you and sorry for the long read

 

Yes send them a CCA request, as that should stop enforcement until they have complied with your request. See what they come back with.

 

I believe credit checks do flag up to creditors, given the reports of this on CAG.

[silverfox1961]

Hi,

I am of the same opinion that when anyone checks their credit file and these file have been tagged by the likes of Cabot, they are alerted however, no one has yet provided absolute proof of this.

 

As this 'debt' is with Cabot, I agree with sending the CCA request to them but also, send Cap1 a Subject Access Request (SAR) to get all the details on this account. I would expect loads of charges added to the account.

 

Did you have PPI? Did you want it?

 

If you choose to write, make sure you head any letter to Cabot, "I acknowledge no debt to you nor any company you claim to represent."

[intend]

Certainly you need to CCA the alleged new owners which should buy you some time, hopefully the three months you need. As suggested, if finances are good then SAR Crap1 and go after that PPI.

 

Intend