Cabot/Lloyds Reconstituted CCA

[ghoy]

Hi there, first post time and I'm hoping someone with way more knowledge than me might be able to help.

 

I've a Lloyds loan from 2008 that was sold to Cabot

they say I still owe £12k on

 

I was making payments towards until April'17

I contacted Cabot for my CCA,

waited 40 days then stopped payment,

 

now just a few days ago they have sent me a reconstituted version which they say complies along with various copies of payments made to Lloyds and Cabot themselves.

 

I've attached the CCA they sent me.

 

All signitures and addresses are correct and the debt in no longer showing on my credit file, but I've no idea about the rest of it

 

Can someone who knows about these reconstituted CCA's please take a look and let me know your thoughts as whether this is valid please and what migh optiosn might be?

 

Last part of attachments

 

Sorry, I've compiled them into one pdf an attached here.

CCA-Recon.pdf

[dx100uk]

you say they state that's a reconstructed agreement?

but it has your sig

and that is the agreement that you remember returning?

[ghoy]

I don't remember the exact agreement

it was signed in the bank itself,

they clearly state that they have sent a reconstructed version in a cover letter.

 

I noticed that they have pages 1-6

but where it's actually signed has no page number and was separate in the envelope.

[dx100uk]

tell us the full history please

 

dates too please

what and to whom you were paying and when.

and how you got to start paying cabot

why didn't you send a CCa request then?

[ghoy]

Lloyds £20k loan - July 2008 until September 2009 - -£363.29 per month

 

Lloyds via Payplan October 2009 until April 2010 - £115.14 per month

 

Lloyds via Payplan May 2010 until December 2010- £117.42 per month

 

Debt sold to Cabot January 2011

 

Cabot January 2011 until September 2011 - £117.42 per month

 

Cabot October 2011 until January 2013 - £122.31 per month

 

Cabot February 2013 until August 2014 - £40.77 per month

 

Cabot September 2014 until August 2015 - £43.37 per month

 

Cabot September 2015 until August 2016 - £46.60 per month

 

Cabot September 2016 until January 2017 - £47.28 per month

 

Cabot February 2017 until April 2017 - £10.30 per month

 

Cabot May 2017 until Now - £0 per month

 

As for the CCA request,

probably just like a lot of other people,

I never knew that you could request and challenge the situation this way.

[dx100uk]

ruddy payplan again

never check why the OC sold the debt on

and didn't take you to court.

 

id get an SAR running to Lloyds

get all the statements.

[ghoy]

I dropped payplan in April'17 as I realised they were no good as well.

 

Does the fact that Lloyds sold the debt on probably indicate that what Cabot supplied is no good?

 

I don't understand why they have a signed part but none of the rest and how can I be sure that the terms and conditions are correct?

[AndyOrch]

I would state it was correct......its none cancellable (as stated on page 6) because you signed on the banks premises.....stated in the blank signatory page and also your signed signature page (Page 6).The font is the same and the blank page 6 is exactly the same as the signed page 6.

 

Andy

[ghoy]

Bit late coming back, but thank you to everyone for taking your time to look and help.

 

In the mean time I've have had a complaint upheld by Lloyds about the debt and that unfair charges were applied.

Part of the compensation included adjusting how much of the debt was owed and that they have informed Cabot to adjust the amount owed to reflect the decision.

 

Lloyds told me via letter that Cabot have agreed to this, except they have not done it or let me know anything about it.

 

Does this mean I can now dispute the amount owed with Cabot and how would I go about as I have proof with the Llloyds letter?

[dx100uk]

when was the last time cabot poked you

and what was/is owed now

[ghoy]

Yesterday they rang me but i didnt awnser it as I've already told them numerous times that I only communicate via letter

 

the last letter I received was at the beginning of February'18.

They still say I owe £12k but it should be 11k if the Lloyds compensation was applied.

I haven't paid anything since April'17.

 

I would state it was correct......its none cancellable (as stated on page 6) because you signed on the banks premises.....stated in the blank signatory page and also your signed signature page (Page 6).The font is the same and the blank page 6 is exactly the same as the signed page 6.

 

Andy

 

Had another letter from lloyds today from another complaint that says the loan was cancellable.

 

Does this mean now the cca terms are wrong?

[AndyOrch]

Well if it was signed on the creditors premises...which you confirmed it was..its a none cancellable agreement....only agreements made off the premises..by phone or internet are generally cancellable.

 

http://www.legislation.gov.uk/uksi/1987/2117/made