Cabot chasing old RBS credit card 'debt'

[gncem]

Cabot have bought my other RBS debt, got the paperwork this morning.

 

It does state they have acquired the debt and are now the legal owners.

 

When I sent my SAR to RBS will I also get all the information on this secondary c card debt

or do I have to send another SAR with the different account details?

 

Also will the SAR's show the dates of my last payments? I

 

can no longer check my credit file because both debts have fallen off.

 

Many Thanks

[dx100uk]

yes one sar will be for all the data within that 'group'

and will show statements.

[gncem]

ok, thank you

[essexzed]

Hi There,

I too had exactly the same. I stopped paying for old CC with RBS back in Oct.2010 due to an unenforceable debt.

I also did an SAR at the time and stopped paying.

It was never followed up by RBS

 

 

two days ago i got a letter from Cabot financial with my reference number and amount of debt.

I did nothing, but they called me today and I advised them that i am dealing with stepchange due to not working.

Did i do the right thing?

[gncem]

Hi hopefully we can support each other, it appears Cabot have bought a portfolio of zombie debt.

 

To be honest I don't know if you did the right thing but if you are not working then probably right for you.

If your last payment was more than 6 years ago you don't have to worry it is Statue Barred,

sadly I have a few months to go.

 

However, I am taking a different approach and sticking with the unenforceable agreement route.

I am not giving in easily after all this time.

 

I am still waiting for my SAR but to be honest don't know what I am really looking for,

 

RBS rang me on Friday and asked what documents I wanted as there was a huge amount of paperwork,

 

I told them everything appertaining to these two accounts including the agreements and statements.

 

Will keep you updated

[gncem]

PS, don't speak to them again though on the phone, that was not a wise thing to do. I was advised to let it run and send them a CCA request, which I will do at the appropriate time.

[dx100uk]

Hi There,

I too had exactly the same. I stopped paying for old CC with RBS back in Oct.2010 due to an unenforceable debt.

I also did an SAR at the time and stopped paying.

It was never followed up by RBS

 

 

two days ago i got a letter from Cabot financial with my reference number and amount of debt.

I did nothing, but they called me today and I advised them that i am dealing with stepchange due to not working.

Did i do the right thing?

 

 

is this your old mint card?

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?299095-Mint-Triton-now-cabot

[essexzed]

Yes, exactly that is my old Mint card. You managed to track it down, nice one.

 

Its not been quite six years yet and I didn't need this to bite me in the proverbial at this time. Still, I am always positive about these things and hope for the best.

[dx100uk]

shame you spoke with them don't do it again

they are not bailiffs

 

 

i'd let it run

and certainly dont start stepchange

 

 

dx

[essexzed]

shame you spoke with them don't do it again

they are not bailiffs

 

i'd let it run

and certainly dont start stepchange

 

dx

 

You got it boss:-D

[gncem]

Hi

 

I received my SAR today from RBS

I have been able to note the exact dates I made last payments,

which were December 2010

and April 2011 respectively.

 

The "application form Agreements" were included, advised unenforceable in 2009.

 

 

There are unsigned added terms and conditions which I don't recall receiving at the time,

but there is line at the bottom of the original application which reads

"I accept and agree to be bound by the general conditions applying to the card as set out separately".

 

 

I don't know if this declaration would affect things now as things have changed since 2009 regarding True copies.

 

I refused PPI, so don't know exactly what else I should be looking for?

 

Still getting polite letters from Cabot to get in touch,

I will send CCA request when they get demanding.

 

Thanks

[dx100uk]

so getting close to SB date then

hence their willy waving.

 

 

but don't tell them that!

[gncem]

Thanks dx, I understand

but with every respect willy nilly doesn't help me,

 

my total debt totals £16k which I thought had been written off

but has now come back to haunt me.

 

I need realistic advice and a way forward as I don't know how the system works these days.

 

It is on my mind all the time.

 

Does everyone who lets it ride and defend with incorrect paperwork get off, how many fail?

I can't afford costs awarded against me.

 

I've read Carboot are complete b......ds

[dx100uk]

I said willy waving...silly threats

Which is all they can do

And with no or un-en paperwork

Will go nowhere in court

 

Just remember a DCA is not a bailiff

And have no such legal powers

 

You or I could become a dca tomorrow

They can only do as what we can

On a supposed debt

 

And that's issue a speculative claim form

Hoping who they send it too

Is stupid enough to blindly fall for it

And not defend it and lose

 

Our dca legal successes forum details 100's of like claims

Whereby DCA's like Cabot have lost

Esp with no or un-en paperwork

[gncem]

I know,

I'm sorry dx just me getting anxious, I thought it was all behind me. I

 

t's also a lot of money, but will sit tight and keep you posted.

 

I also have a huge amount of paperwork from RBS which I don't really know what to do with lol

 

Your support is much appreciated.

[dx100uk]

well if there is no PPI

and not a serious amount of penalty [£12 £20, £25 depending on age]

for letter, late, over, failed DD]

then you have the info you needed

and let it run.

but if there are penalty charges/ppi

get reclaiming

[gncem]

I received two letters today one for each RBS account.

 

One wants an income and expenditure and the other " is now going to instruct a company called Fidelite to visit me at my home so that they can put me back in touch with them"

 

Does anyone have any experience of this company's doorstep calls,

I didn't think they did that anymore?

It definitely says "are" going to instruct not "may"

 

Is it now time for my CCA request or do I wait a while longer?

 

Many Thanks

[dx100uk]

Fidelite are now what used to be called scotcall

or as we call the snotcrawl.

 

sometimes they do show up

but it says instruct them

if they wish to carry that out is upto them

 

but anyway

as you already know

A DCA is NOT A BAILIFF

and has

NO SUCH LEGAL POWERS.

 

so if the dirty mac brigade does appear

simply tell them to leave

or you'll call the police.

 

just like phonecalls

at your doorstep, you are under no legal obligation to discus any of your debts

and even less to any no powers dCA>

 

as for the I&E more bogpaper then

 

again i'd say let it run.

if you should get a letter before action

then p'haps its CCA time,

 

dx

[gncem]

Thanks once again dx,

I'm not feeling intimidated lol

 

Will look forward to their impending visit,

 

I'm married to a retired police officer so could be fun.

 

I will act on the notice before action letter if/when it arrives.

[gncem]

Nothing much happening,

 

just wanted to ask a question:

 

Before I ceased payments I was paying through a Debt Management company.

 

Would my last payment count as the last payment I made to them or the date it was credited to my account because I paid a month in advance.

 

I made my last payment 1 month earlier than it appeared on my Mint statement.

[dx100uk]

well 1 month wont really matter much.

 

 

dx

[gncem]

LOL but actually it could make a difference, I am close to SB and I believe the cut off date is a month after the last payment. I am working hard trying to avoid a claim before SB date.

[dx100uk]

knowing or not that info wont prevent a claimform.

 

 

only helps you if they issue one afterwards toward a defence

[gncem]

Thanks I get that,

 

 

but would like to be prepared before I get the claim form I am expecting.

 

 

I checked my paperwork today,

the last payment to DMC left my account on 11th October

but didn't appear on my cc account until 11th December 2010.

 

 

So what is my SB date please?

[dx100uk]

really diff to say

new year?