Jump to content


Old HBOS debt - been paying cabot for 12yrs...


Recommended Posts

Not sure what to do with this one.

 

Old debt originated from bank of Scotland around 2004.

 

Been paying token payment for around 12 years,

now threatening further legal action.

Would a sar request suppress them .

 

..or eaiser just to stop paying them and see what happens

 

Many thanks

Link to post
Share on other sites

A SAR request wont stop any action, a CCA request will but only until the paperwork is found and sent to you.

Are you still paying BOS ir has it been sold on and assigned to a dca?

 

As this is a BOS debt, are you in scotland? (Different laws may apply)

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

Link to post
Share on other sites

fe-fi-fo-fum........I smell a cash cow...

what type of debt is it> card loan OD?

 

think you'll find the OP has been paying cabot DCA for 12yrs?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Agree with DX, it sounds like they have been having you on... Not good :(

If you have been paying Token payments, is that all you can afford?

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

All i can say here is... Moo

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

no its cabot

and you've been cash cowed blind

stop paying.

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Ruddy fleecers!

 

Oh well, they'll have to look elsewhere for someone else to pay for their chocolate digestives now you've learned the hard way the honest truth.

 

I feel for you, I really do, this is absolutely shocking, oh well, now you know, and can laugh at them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites
  • 4 years later...

Received letters in January 2021 for 3 debts and phoned them to reiterate they had not responded for  4 + years.

 

Well apparently they now have a loan agreement from 2006 and the overdraft debt taken out around 2004 isn't covered by CCA.

 

The other debt had a ccj on it which was paid nominally to 2010 .Then sold and then sold again, and back again to cahoot.

 

As soon as I get documents I will update.

Are they just trying it on?

Link to post
Share on other sites

are who just trying in on?
 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

hbos is nothing to do with cahoot.:noidea:

 

you mean cabot..

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

threads merged

stop talking around corners

 

so whats going on.

cabot have sent a letter regarding HBOS card from 2006?

when did you last pay anyone for it?

 

you should NEVER phone a fleecing DCA.

they are not BAILIFF

and have 

ZERO legal powers on ANY debt, no matter what it's type.

 

 

  • Haha 1

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Sorry DX my over excitement or annoyance.

On this bank of Scotland credit...

Taken out 2003 defaulted and sold to Cabot around 2006.

Been paying them £5 a month upto July 2016.

Then on advice...thanks DX...CCA to them.

Normal response no information available, will be in touch again in 40 days.

 

Out of the blue Jan 2021 reiterated balance outstanding.

I explained about my CCA request back in 2016 and they could not find anything.

They then advised they would investigate and to give them 16 weeks.

 

Out of curiosity today rang them..about 15 weeks.

Advised they had a an agreement for the card.

As yet nothing in the post.

Hope that makes more sense🙂

Will post up correspondence...if received

Link to post
Share on other sites

well as you defaulted moons ago it can never comeback on your file.

but it will be Statute barred july 2022

 

sent Cabot another CCa request

nail then in their box again

 

and again NEVER EVER phone a DCa nor enter into any pointless letter tennis other than a CCA request where required and applicable.

 

the only time you ever respond to a DCa is if you ever get a letter of claim or should they be so bold a court claimform.

 

never move without informing the owner(s) of any supposed debt you last used/paid within the last say 7yrs to be safe.

always ENSURE your debt owner(s) have your current and correct address should you have moved since taking the credit out with the original creditor and not informing them in WRITING you have moved.. protect against backdoor CCJ's

 

dx

 

  • Thanks 1

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Well...still no correspondence from them and its been 16 weeks today.

Is it also worth reporting them to fos.Or will that stir up a can of beans?

Link to post
Share on other sites

:noidea: 16 weeks on what?

complain to the FOS about what?

 

did you send a new CCA request to cabot as advised?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

16 weeks to comply with what request and to whom?

 

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Its like Chinese Whispers this topic :biggrin1: 

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 Topic please PM me a link to your thread

Link to post
Share on other sites

:pound:

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I originally CCA them in 2016.No paperwork letter confirming unenforceable..

 

Then they wrote to me in Jan 2021.

 

I explained they hadn't responded to my CCA .That's when the dispute opened and said they had 16 weeks.

Sorry if I sound a bit thick🙂

 

😄when I rang them in January .their reply was we have 16 weeks to look into the dispute.

Looks like they have just been talking ...

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...