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cabot demanding i contact them ccj already obtained


volac123
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hi all,

 

I have a ccj with Cabot for over £7000 which I have been paying regularly for atleast the past 10yrs.

 

i have started receiving letters from them stating:-

"We need your attention - potential legal action",

"your credit file indicates that your situation may have changed",

 

The ccj relates to a loan from Bank of Scotland,

my situation has not changed,

my only income is carers allowance (all other benefits go direct to disabled wife).

 

i do have other debts and pay them off at the same rates per month £5 each,

at least one of these debts is held by cabot.

 

at the bottom of the letter there is a brief explanation of what legal action could mean but that refers to a ccj.

 

any thoughts on this would be gratefully recieved

 

sorry if this post is a bit rambling

 

volac123

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you need to tell us about all your debts

 

have you ever sent any of them that you pay a CCA request?

to question if they hold the relevant legal paperwork to even demand money from you?

 

as for the CCJ

blindly paying for 10yrs smacks of cash cowing?

how much have you been paying for 10yrs each month?

 

whatever the CCJ judgement said, that all you should be paying per month

they can willy wave all they want, but the judge set the payment

and they, a DCA, are NOT A BAILIFF and cant do anything to you legally.

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... 

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hi

the ccj has been paid at £5 per month for the entire time. the other debts are :-

 

Capital one - approximate debt £1600

vanquis - approximate debt £3300

J D Williams - approximate debt £300

debenhams - approximate debt £2000

 

all are paid at £5 a month

no i have not used cca's as i continued paying the agreed amount that i had arranged with original creditor when i received the "we have handed this account to our collection department letter".

 

feeling a little daft now :(

 

volac123

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do you know what was put in the judgement box of the CCJ?

is £5PCM what the judge ordered?

i'm a bit puzzled that cabot seem not to know about the CCJ?

they cant get two of them for the same date!!

were they the ones that took you to court?

 

 

so these debts are all now being paid to DCA's Now

if so CCA time to each DCA!

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... 

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it was puzzling me too.

 

i cannot find the original documents, so have decided to take your advice and CCA all dca's.

 

my wife remembers me dealing with blair, oliver and scott for 2 of my debts the £7000 loan from bank of scotland and the £2000 debenhams debt.

 

so i think another trawl through the loft for paperwork is in order

 

 

volac123

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BOS are / were the inhouse DCA at bank of Scotland

 

 

id send a CCA on the CCJ one too

me thinks they have no idea it has a CCJ so don't tell 'em!!

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... 

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