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Halifax debt sold to Cabot Apparently

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Hi

 

I defaulted on an overdraft with Halifax about 4 years ago,

the account kept going round in circles with Halifax charging me for going overdrawn which was putting me back to be being overdrawn or no access to funds.

 

I tried to fight them on it, but they were not budging and i got tired.

 

I stopped using that account and got a new current account and have never looked back.

 

However, Halifax have never contacted me about the debt,

I have moved twice since and looking at my credit file it seems they have sold the debt to Cabot and has my current address.

 

Cabot have never contacted me either, no emails or letters.

 

I was thinking of sending a SAR to halifax to see what charges have been added on,

what correspondence they think they have sent and the balance when it was sold to Cabot.

 

Before I do that though, i wanted to ask if anyone else had any better ideas of what my stance should be.

 

Thank you in advance :)


Egg - WAR!

Natwest - WAR!

First Direct - Got my money back - £ 3249.71

:o

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Your stance should be to do nothing unless and until Cabot start threatening, and even then you resist for as long as possible

 

Have Halifax got your new address? That would be the one that Cabot send paperwork to, so if that is up to date it should reduce the risk of them getting a CCJ against your old address and you then having to set aside


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Hi sidewinder

Thanks for reply. I'm concerned about how it's affecting my credit rating.

 

Your stance should be to do nothing unless and until Cabot start threatening, and even then you resist for as long as possible

 

Have Halifax got your new address? That would be the one that Cabot send paperwork to, so if that is up to date it should reduce the risk of them getting a CCJ against your old address and you then having to set aside


Egg - WAR!

Natwest - WAR!

First Direct - Got my money back - £ 3249.71

:o

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Hi sidewinder

Thanks for reply. I'm concerned about how it's affecting my credit rating.

 

Well you only have a further 2 years before it drops off and at which time it will become statute barred...so I would see it out if possible...until Cabot actually catch up with you.;

 

Andy


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