Being bombarded with letters / calls from CABOT re vanquis debt

[Zoepaulpenny]

Yep. Time to get on with your life. If it's sb they'll start offering discounts etx. Just laugh it off and ignore unless they're stupid enough to get a claimform.

 

Can.I ask, have you ever wrote or responded in writing them since 2008 saying the account is yours

 

Thanks for reply firstly I have never replied to Cabot I am certain my deceased partner never replied.in fact I never heard from any dca for years. The only time I have written to them was requesting my CCA I don't think that has started the clock ticking, when they first wrote to me they offer a discount for quick settlement .so let's see what they send next

 

Thanks for reply firstly I have never replied to Cabot I am certain my deceased partner never replied.in fact I never heard from any dca for years. The only time I have written to them was requesting my CCA I don't think that has started the clock ticking, when they first wrote to me they offer a discount for quick settlement .so let's see what they send next

I have never phoned them to admit the debt .they did phone me to get me pay some money but I just put the phone down

[Bazooka Boo]

Doesn't matter one jot if you acknowledged it over the phone, it has to be in writing, anyhow, I'd forget about it, it's SB and they will drop it like a brick and flog it to some other parasitic DCA to chance their arm on.

[renegadeimp]

Discounts mean lemon debt.

 

Ignore them. Cabot have just bought a huge number of unenforceable debts and are trying anything they can to milk money from them before they are forced to resell them

[Zoepaulpenny]

hello again,

i have received a letter from cabot, it has been december 21 last year since they last mailed me.

 

this time they have sent me a original signed credit agreement terms and conditions statements.

they go on to say, that i must phone them to agree a payment plan,

 

 

they quote..

 

we consider that the agreement is now enforacable and therefore we are entitled to obtain a ccj against you, we would prefer a reypayment plan to settle your account.

 

unquote...

 

the date of me signing the original agreement was on 18 july 2008

so what is the next step ?

thanks for replies..

 

remember last year i did request the cca and sent them a pound postal order..

[dx100uk]

matters not really

the debt is statute barred

 

 

will kill any court claim dead.

 

 

dx

[Zoepaulpenny]

and the last payment was made on 31 8 2010 does this make any difference ?

[dx100uk]

you have documented proof of last payment handy?

[Zoepaulpenny]

you have documented proof of last payment handy?

 

they have sent me all the payments interest and so on all printed out.

in actual fact last payment was7 02 2009.. 31 8 2010 was charge off total account

[dx100uk]

then its statute barred by their own paperwork

 

 

what fools!

 

 

dx

[dx100uk]

I'm tempted to write back and tell them what fools they are and seek compensation for the distress caused

[Zoepaulpenny]

What if as you say they were stupid enough to actually go for a CCJ what would there next step be. And would they have to inform me of their intentions ?

[dx100uk]

you'd get a claimform in the post from the court.

 

and the judge would laugh himself off his chair as they have sent a statement with a payment last made more than 6yrs ago on it.

 

ofcourse carboot will swear blind that every judge is wrong and its from the defaulted date...

[Zoepaulpenny]

Yep. Time to get on with your life. If it's sb they'll start offering discounts etx. Just laugh it off and ignore unless they're stupid enough to get a claimform.

 

Can.I ask, have you ever wrote or responded in writing them since 2008 saying the account is yours

 

Because I requested my CCA and sent a pound postal order as advised by forum members have I set the clock ticking I requested the CCA last December

[dx100uk]

no

CCA request does not reset the clock

[Zoepaulpenny]

no

CCA request does not reset the clock

 

Thanks for all replies should I now just ignore or should I ask them to stop asking for t the debt as it is unenforceable

[dx100uk]

nothing to do with un-en

the debt is statute barred.

 

pers i'd simply ignore them unless you get a claimform.

 

if you wanted to

you could start a whole new game of letter tennis

 

quoting CONC rules to them and forcing them to stop writing.

but I doubt they'd listen

cabot never do.

[martin2006]

Have you moved since having the account?

 

Lowells are very good at issuing claims to old addresses to try and get an undefended, rubberstamped ccj.

 

Should this happen, you would then have the problem of setting aside at a cost of £255 which you would be unlikely to get back.

[dx100uk]

:wink:A CCA request serves two purposes in this situation............

[martin2006]

I agree dx but that wouldn't stop lowlifes trying if they thought they could get away with it.

Just covering all bases.

[dx100uk]

they couldn't the cca request is a legal doc

 

 

ignoring the fact it had the current address

and they had a legal letter informing them of the correct address would be fatal to any claim.

[martin2006]

As its been over 6 yrs since a payment was made, its fatal anyway

[Zoepaulpenny]

HI just a final point, had another letter this morning it was a statement of my account covering sept 2015 to march this year.. no payments..

it states on the statement original lender VANQUIS, agreement date 11 AUGUST 2008 and date assigned 8 MARCH 2011

 

now am i right in thinking the date assigned is when they took over from Vanquis ?

 

and the original agreement was signed by me at the address i am at now, but soon after i signed it i moved to stoke on trent for a few years, then i moved to kent for 3 years, and now back at original address, but on their papers they also have my stoke on trent address, and my present one.

[dx100uk]

which again shows the importance of informing them of your current address..

 

 

yes assigned date is sold date

it just a std letter you have [statement]

which they must send if they consider themselves the owner of a debt.

[Zoepaulpenny]

which again shows the importance of informing them of your current address..

 

 

yes assigned date is sold date

it just a std letter you have [statement]

which they must send if they consider themselves the owner of a debt.

 

Yes they know where I am living it was not long after I moved back in they started the letters

 

which again shows the importance of informing them of your current address..

 

 

yes assigned date is sold date

it just a std letter you have [statement].

which they must send if they consider themselves the owner of a debt.

 

If they know the debt is unenforceable and your not going to pay. Why waste their time and mine in sending letters and all their crap

[dx100uk]

because its cheap and 99% of people have no idea that a DCA is NOT A Bailiff

and can actually do bugger all to anyone bar go for a CCJ

which means they have no more legal powers than you or I

 

 

but they blindly cough up like mugs.