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Meadow_S

Cabot Letter Before Action old LLoyds Credit Card.

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Hi - I got advised to log my story on this site by MBaxter who I often work with in the states. He cant sing your praises highly enough.

 

1. I have an outstanding debt from a Lloyds C/C for just over 6k.

I received a letter before action sent to a relatives house who I have registered for my mail.

 

I do come back home every 3 months for about 10 days at a time and I am not sure whether I will stay here or not.

I own no property or assetts in the UK, so they can't touch me there but I don't know whether I will return to the UK as the industry we work in is changing fast and there is a possibility by the end of 2017, I could be back in the UK and don't want them to hit me with a CCJ by default.

 

2. The debt is from 2000 and I was paying said fleecers via Stepchange about £50 a month from 2008 up until June 2013 but I realized the outstanding amount was increasing. As a side note, it was Mbaxter who spoke to me about his DMP and I advised him on what I had learnt about my debt increasing so he stopped paying his too.

 

3. There had been several letters from them that I had asked my family member to open for me threatening to take my first born etc.

But about 8 weeks ago, I received a letter which was "a letter before action" from their solicitors.

 

Having read other threads on here and other sites, I sent them a CPR31 letter which I scanned and emailed to my relatives who sent it recorded delivery for me, with a footnote that I am living overseas and that if requested, they can have my US address or continue to write to the UK address in Southampton.

 

4. Tuesday, they sent a letter back acknowledging my letter, saying that they have referred this back to their client and that they will no longer be looking after this case anymore.

 

My question is,

should I send Cab's a CCA request for this now or should I await further communication from them

I fear they maybe serving court papers, so is it best to get in quick with this?

I am back next week for the Easter break, so I can send this myself.

 

I'd appreciate any advice anyone can offer.

 

Thank you.

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Hi Meadow_S and Welcome to CAG

 

I have moved your thread to the appropriate forum. (Debt Collection Agencies)

 

One point re the above...you cant use a CPR 31.14 until a claim has been issued against you (litigation has commenced)

 

Regards

 

Andy


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Oh - Meadow finally took the plunge. Andy has helped me a lot so far.

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Hi Andy and thanks for getting back to me.

I'm having problems sending my post so hopefully this goes through this time.

I'm covering a night shift so may not be able to deal with this till later.

 

I'm sure you can guess where I got that advice from which was why Mike advised coming here instead.

Will having sent a CPR 31 out cause a problem and if so how do I deal with it?

should I send out a CCA request to Cabrot now or do I await a response from them?

 

Thanks

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They will disregard the CPR...and yes you should send a CCA request now


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 OTHERS

 

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

 

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

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Great thank you. I'll deal with that later but it won't go out til tomorrow due to time difference. Would you advise I prove that I am living overseas or just leave as is?

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Great thank you. I'll deal with that later but it won't go out til tomorrow due to time difference. Would you advise I prove that I am living overseas or just leave as is?

 

Its irrelevant really...if you don't intend returning to the UK I personally would ignore them...but there again I would ignore them if I resided in the UK also:madgrin:


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 OTHERS

 

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

 

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

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The trouble is I'm not sure.

My work visa expires in early 2018 and the way our industry is at present, I may not be able to get it renewed although who knows what will happen if Trump becomes president - lol.

 

I just don't want to come back to find that I've got a CCJ against me and could do with/out the hassle of fighting a court case from this side of the water.

Thanks - Meadow

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Then send the CCA request:-)


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 OTHERS

 

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

 

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

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Will do. Thanks for that Andy.

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The case with this old lloyds card debt resulted in them writing too to say they could not provide any information at this stage but the debt still remains.

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post above moved from recent thread

 

result then!


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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