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Cabot asking for payment for LLOYDS TSB credit card debt.

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Hi,

 

I think I'm in a similar situation.

 

I recently received a letter from Cabot saying that they had bought an account that I held with LLOYDS TSB - Credit Card.

 

The first letter was dated 19th November 2015.

 

Subsequently I have received two additional letters the last being, I imagine, the same as above (parksey78),

just a form wanting pesrsonal details and income/ outgoings.

 

I genuinely have no knowledge of this account and I was therefore about to send the template letter regarding 'no knowledge'

when I came across a similar thread suggesting that it maybe better to wait.

 

I have two questions,

 

the first is should I wait until I get something more substantial from Cabot as you have advised elsewhere and

 

two what is the reason why you would suggest not sending the 'no knowledge' letter at this stage?

 

Is it simply to avoid entering into any form of dialogue with them?

 

Thanks in advance.

Edited by dx100uk
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Send them the following...

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

 

Retain proof of postage and then wait for a response.

 

Regards

 

Andy


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Sorry, I was specifically reffering to the guidance given in this post........ 457637-cabot-chasing-5-year-RBS-loan-debt-debt-no-contact......... I am reasonably familiar with the CCA request route but was interested to understand the guidance given in that post. Sorry haven't posted enough to be able to insert a proper link.

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So what do you wish to know in particular from the above thread ?


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Well the other thread appears to be suggesting to wait until Cabot sends something more substantial

than the current letters which say 'We have a bought a debt from LLOYDS/TSB and

so now you owe us the debt

and we'll make it so easy for you to pay us'.

 

 

I just wandered if it was worth sending them a CCA request at this stage.

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Well the " We Bought the debt " letter will be the Notice of Assignment ..therefore they legally own the debt now....the second letter is seeking your payment and financial position.

 

The letters and phone calls will continue until they get a response or an offer of payment.....so why not put them to task now..request the agreement...if they comply you are then aware that the debt is enforceable....and they could possibly issue a court claim.....

 

If they fail to comply...you can ignore any further communication/correspondence and get on with your life....in the knowledge it would be unwise for them to take this to the next stage.

 

Requesting your agreement has no effect on the Statute of Limitations

 

But its your choice.

 

Andy


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When does the ac originally date from, and how near, if at all, sb are you?


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Andy - thanks for advice, would it be just as effective to send a no knowledge of debt letter or not?

Rouge - I have no idea. If the debt does exist it will be at least 5 years old and quite possibly in the region of 15-20 years.

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Andy - thanks for advice, would it be just as effective to send a no knowledge of debt letter or not?

Rouge - I have no idea. If the debt does exist it will be at least 5 years old and quite possibly in the region of 15-20 years.

 

No because that has no Legal Standing and does not place them in default of your request.


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Well if it is 15-20 years ago that you originally took out the card then Cabot are certainly going to struggle to comply

with your cca request


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Ok, understood, thanks. Is there a timescale?

 

All explained within the above link...time to comply etc.


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Thanks very much to the both of you. I will keep you in the picture as things progress.

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So letter and P.O. sent off. Coincidently I received a statement of account from Cabot today. It shows the date of agreement as 1st October 1984 and the date assigned as 2nd December 2013. Are these dates significant or not? Grateful for any help.

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Hopefully it will turn out that the ac was started after may19 1985, otherwise they only have to provide the current t&cs to satisfy your request

 

However that could be contentious in itself, since if they cannot find the original(which they won't be able to)

How will they then be able to prove that the account was started in October 1984?

 

Await the cca reply, could prove entertaining


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Yes I wondered the same about the start date. If they don't have the agreement how can they know the start of it....As you say, waiting for the reply with interest.

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when was the last time you paid this card or used it?

 

 

dx


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Hi, I have absoloutley no idea what so ever. Certainly not in the last 5 years.

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Hi, I have absoloutley no idea what so ever. Certainly not in the last 5 years.

 

Well spend some time investigating that as it may well be statute barred and if not it most certainly will be by the time you get a response to your CCA request :becky:


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might be worth a look at your credit file?


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Andy - How can I check those details? I can't remember and have no records whatsoever. Would lloyds/tsb still hold that info?

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Andy - How can I check those details? I can't remember and have no records whatsoever. Would lloyds/tsb still hold that info?

 

They should ...give them a ring or DSAR them


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Andy - just received last transaction information. On the 15th April 2009 two transactions took place on the account. Both were payments made to the account, one was for £1 the other for £201 pounds. That was the last time the account was active I assume. They also said that the account was placed into recovery on the 28th October 2009.

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