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claire250482

Dryden/Cabot Financial threat-o-gram re Capital One

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Hello All,

 

I'm not sure where to ask this question so move it if it's in the wrong place.

 

I have a defaulted account with Capital One (last payment 1/10/10)

 

it has now been bough by Cabot and the have re defaulted it from 1/11/15.

 

Is the correct and ok to do?

 

I know Cabot are diddley so want to be sure?

 

Surely if it was already default, they can't re default it??

 

Thank you for your help

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The default date stays the same (earlier date). They have just added they now own the debt.


If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Cabot can only change the account owners name not date, comp-lain to CRA incorrect default registration on acquisition from Crap One, do not admit any claim just mention alledged account in all correspondence


:mad2::-x:jaw::sad:

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Hello All,

 

I was hoping to pick your brains...

 

I have received a letter from Drydnsfairfax.

 

"We are instructed by our client, Cabot Financial (UK) limited. to commence legal proceedings

against you in the County Court unless you contact us within 14 days of this letter."

 

It goes on to tell me how I can pay etc.

 

I am aware of the debt and it being with Cabot.

The last payment made was in 2012 so not SB, but it is on my credit history as a default.

 

What will happen if I ignore this?

 

Thank you for your help

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whats the debt please who was the original creditor.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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opps cap1

 

 

what other threat-o-grams have you been getting

 

 

have you ever sent them [cabot] a CCA request?

 

 

have you ever received a notice of assignment from cabot?

when did cap1 sell the debt on?

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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That is no problem. This was a Capital One credit card. I am trying to dig out the history as, if I'm honest I can't remember why it is unpaid.

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SORRY... You were right to merge, they are the same thing... I am being a thicko!! SORRY!!!

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Sorry sorry sorry, you are far more switched on than me!! You were right to merge

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that's ok easy sorted:lol:


please don't hit Quote...just type we know what we said earlier..

 

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so last payment was around oct 2010 so not statute barred

what other letters have you been getting?

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Just the usual Cabot letters saying what I owe and that I must pay. But only one a month or so.

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coming up to sb date and they want to chance their arm then.

 

 

you could cca request them.

 

 

whats the defaulted date that cap1 registered not the fake cabot one

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Hi All,

I have a question... statute barred... Is it based on the date you made your last payment or the date the company defaults you? If that makes sense?

Thank you

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there is not direct link between defaulted date and SB.

 

 

SB on a card will when they first 'could' have gone legal.

typically that's after the first missed payment

though we air on the cautious side sometime and add another month

 

 

so what date did cap1 register the default?


please don't hit Quote...just type we know what we said earlier..

 

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The capital One default date is on my credit file as 01/10/10 but I am certain the last payment was actually the very end of 2009 or very beginning of 2010 at the very latest. I have requested my bank statements to be completely sure.

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not a bad idea , info gathering is the key

 

 

no harm in ringing cap1 either

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Hello all,

After hearing nothing for just over two years on this one, I have started receiving letters again.

 

It started in May with a letter from Cabot saying they have tried to contact me several time (I have received no other letters etc so assume they have called but my phone blocks negative rated calls) to discuss my account but are now referring it to Mortimer Clarke Solicitors.

 

They (Mortimer Clarke Solicitors) promptly sent me a badly mail merged (gaps where dates should be) letter telling me Carbot had obtained a judgement against me.

 

Yesterday I received an "oopsy, made a boo boo" letter saying they had infact been instructed by Cabot that this was incorrect and they apologise for the error...

 

Question is, what sort of letter do I reply with?

 

I tried a "this is statute barred" type letter two years ago and it seems to have been conveniently forgotten!

 

Thank you for your continued help and support!

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if statute barred and you already told them and it is actually statute barred then you could refer with copy of original letter, also a letter pointing out that it is and if they dispute to show how they get to that reason? do not do their job for the, sure others will respond also!


:mad2::-x:jaw::sad:

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Wow..so you too.

 

A simple admin mistake ???!!..as they said to me.

 

As you can see from my thread I got apology and compo..I asked for (and got) £40.

 

But as this isnt a one off......Im going to escalate this issue to the SRA.......I wonder how many others there are ?..and more worrying..how many took it at face value and made payments ?

 

Heres a thought though Ive recently had......maybe dont respond to them and if they should ever start a claim against you then show the court the paperwork that says they've already got judgment against you...this should confuse things and the court would ask them what they are playing at ? :)

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