Cabot letter threatening court action over old barclaycard account

[redbeh]

I've had a letter from Cabot for an old barclaycard I took out last century, and have been paying a small nominal amount since I left my previous job.

 

What does prescribed terms mean?

 

I also read elsewhere, asking for a copy of the CCA was an admission the debt was correct, is this true?

 

I was considering asking them for this,

as currently I am off work recovering from a serious illness and really do not want the stress of this.

 

They have also credit searched me recently,

 

I'm pretty sure that's not legal as I have certainly never given them permission to do so.

[redbeh]

Hi, I took out a Barclaycard a long time ago and fell into arrears after a road traffic accident which happened about 20 yrs ago, then 3 yrs ago I had to leave my old job. At the time I put the payment down to £1/mth and I haven't contacted them again since.

 

They have now credit searched me for which I have certainly never given them permission and they have come to the conclusion my situation has changed. Well it has. I am employed again, but have had to take the last 2 months off for cancer treatment.

 

They are now threatening legal action if I don't contact them. The letter is dated 5th November, I rec'd it Friday the 11th and I've got 14 days from the 5th to talk to them.

 

I really don't need any more stress at this point in my life and I don't want to have to phone and re-negotiate everything, because right now, I can't even afford the £1/mth I am paying them currently.

 

What should I do?

 

Many thanks in advance

[redbeh]

I'm going to do this too, exactly which address did you send the CCA to? ta

[dx100uk]

Why are you blindly paying a dca??

 

They are not bailiff s and have no such legal powers

 

Send them a CCA request

And ignore their stupid time lines

 

And they can search your file as all DCA's can they have a CSL license

[slick132]

Hi Red,

 

Don't stress about the letter or their suggested deadline. Take time to consider your position and reply when you're ready - not before. They have no right to demand a response by a specific date.

 

Who is the letter from and what is said exactly (just the relevant parts).

 

If easier, post a copy but hide any identifiers.

 

No one can force you to pay any more than you can afford but they don't need your permission to do a credit search.

 

[slick132]

Oops, just read the title of your threads which says it's Cabot.

 

Follow DX's advice and send off a CCA request.

 

[redbeh]

Thanks guys, the only thing I'm worried about is I have written to them previously, but got a mate to sign the letter with a scribble. I h ave read they lift signatures

[theoldrouge]

no obligation to sign a cca request

[redbeh]

Hi, thanks for the help so far, I meant I was worried about them lifting a previous signature from a letter 3 or 4 yrs ago?

 

And here's the text, below, little prints courtesy of my 6 yr old.

[dx100uk]

that's what we call a cash cow letter

 

they've blindly kidded you in the past they could murder your budgie and get your kids put in a kennel

and you started paying them wihout ever questioning anything.

 

now you need to send them a CCA request

 

if you read it [the thread all of it]

 

you'll see that you DONT sign it anyway.

 

dx