Cabot to Robinson Way - Old Natwest 2013 Credit Card Debt

[gio123]

Hi

 

I defaulted on a Natwest credit card in 2013.

I haven't made any payments to Natwest or any DCA since this.

I've had Moorcroft, Wescot, Cabot and now Robinson Way on my back.

 

Natwest have defaulted me on my credit file and I notice that Cabot have also done (using the same default date that Natwest did).

 

I've now recieved a letter from Robinson Way saying that Cabot have passed them the debt.

What does this mean and should I send the CCA request?

 

Is there any hope in getting the Cabot default removed as I have never acknowledged the debt in writing to them

- the only communication I have had was a couple of loose conversations about a F&F offer (about 35%) which they clearly didn't accept.

 

I also don't want Robinson Way putting a third default (albeit with the same date) for the same debt!!

 

Would appreciate anyones help as how to proceed as it's hard to keep up with.

 

 

I was prepared to make a full and final offer to Cabot,

so am not opposed to making one to this new lot,

but am confused why Cabot have defaulted me and then passed the debt on.

 

Thanks

[Bazooka Boo]

Hello and welcome to CAG.

 

When did you take this card out with Natpest?

 

As for your credit file, ONLY the name changes, the date will always stay the same, you won't have three separate defaults for the same debt.

 

Although it won't be unheard of for multiple entries being entered for the same debt.

If that is the case then you need to contact the credit ref company and tell them that the data they're processing is inaccurate and needs changing.

 

If they have offered you a discount, then alarm bells should be ringing, are there a lot of fees & charges on this account?

 

They can all be reclaimed under the hardship rules.

 

Have you got the full histroy of this account?

 

Lastly, keep EVERYTHING in writing, DO NOT be drawn into any telephone conversations with anyone regarding this, if they ring, laugh and hang up.

 

Keep a diary of events also for your records.

[gio123]

Hi Bazooka Boo

 

I took out the card in 2011.

From what you say, the default from Cabot shouldn't be on the credit file as there is already a default from Natwest? Apologies if I am being a bit slow to understand.

 

The balance is approx £2133.

There are not many charges on the account

(relatively speaking and I would safely say these are under £100).

I din't have the full history of letters from each DCA.

 

What would you suggest doing as the next step?

I would quite like to have the weight of this off my shoulders and could afford a F&F payment of about 50% (gift from relative).

 

 

But obviously I want to try and restore some normality to my credit file.

I've not had any late payments or other defaults apart from this Natwest (and Cabot) one!

[Bazooka Boo]

Well, now the default is on your file, there it will stay for 6 years when it will auto drop off never to return, paid or not!

 

A F&F payment won't help in the slightest, no matter what they purport in their puerile missives.

 

The fact that it is doing the rounds is a good indicator that something is wrong with this 'toxic debt', otherwise the bank would have forced you to repay them, NOT flogged it on for pennies in the pound to a powerless DCA.

 

I think it might be a good idea to fire of a SAR (£10) to the bank and get the entire history of this card, and you can then look at how this amount is made up.

 

What's the last letter Robbersway sent you regarding this?

[gio123]

I know the amount is made up from approx £2020 of spending, then the remaining £100 or so is late payment fees leading up to the default.

 

No other interest has been added and the debt amount has always stuck at the same amount (£2133.20).

 

The letter I received from Robinson Way is the first I have heard from them.

It said that Cabot have passed the debt to them as Cabot have been unsuccessful in receiving payment for it.

 

Ultimately what I want to avoid is a CCJ.

 

Shall I ask Robinson Way for the CCA agreement and see what they have to say for themselves?

 

In the past I have also had a letter from Natwest which stated they had sold the debt to Cabot. Not sure if that helps!

[dx100uk]

doesn't matter how many times the same debt is defaulted it does hurt your file any more than the one.

 

 

i'm puzzled...

 

 

what are robbersway [part of the hoist H2HP group] doing chasing a debt for another DCA that are not even part of their group?

strange bedfellows indeed...

[gio123]

I'm also confused why they are suddenly chasing it.

 

 

It says it has been passed on to them from Cabot

- presumably this means sold!

 

 

It is also accompanied by another letter from Cabot saying they have passed it on.

[dx100uk]

ah no read the letter properly

doesn't say passed on

its been sold

you have a notice of assignment in your hand

 

 

that all makes sense.

 

 

though again strange the oc sold it

then a debt buyer sold it

 

 

so there mucho wrong with it somewhere that you've not spotted yet.

 

 

SAR time to the OC.

 

 

dx

[gio123]

Ok, I'm with you now. I may be being naive but what would submitting a SAR to the original creditor achieve?

[dx100uk]

get all the statements etc etc

that will allow you [us] to findout why they sold it hopefully

and why its been sold around

 

 

typically, for a debt of this young age and value they normally go direct to court as they can see an easy win.

they are not, that makes me suspicious.

 

 

dx

[Bazooka Boo]

Something is definitely amiss with this..... :confused:

[gio123]

Ok, that makes sense to me. I'll send them the SAR and wait patiently for 40 days!

In the meantime shall I just ignore Robinsons?

[dx100uk]

So to date all you've had is a notice of assignment?