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TheUnknownStuntman

Help needed again with Lloyds Debt

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Scared that someone will come to the house asking for the rest of the debt or a letter taking her to court.

 

Its been over a month since the CCA was sent and we have had no reply from Cabot in response to it.

 

I seriously doubt they have put 2 and 2 together and don't realise we have sent one because the reference / account numbers don't match. however they have texted asking if we got the offer letter and to contact them regarding the offer they sent us.

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And what can they do??


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The debt is unenforceable, you sent a CCA request, which was ignored, the law is now on your side.  Cancel the payment, there is the back end of nothing they can do.

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After sending Cabot another CCA request,

this time with their reference number

they have replied with a letter saying we are trying to locate the documents needed from the original creditor, that being Lloyds.

 

It says they will be intouch again shortly to let us know how they are doing.

 

Cabot has now appeared on my wifes credit file with missed payments because I told her to stop paying Lloyds.

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all good then.

the missed payments cant hurt her nor her score much

and only you and they can see them

 

I will guess the debt is already defaulted

whats the date.

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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so doesn't matter wat they put

its defaulted 

cant harm you further

it will all vanish on the defaults 6th birthday.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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The Default is already 3 years old, payments make no difference. At that age a default starts to become far less relevant , if you wanted for example, to apply for a mortgage, it's likely it would be ignored by many lenders.

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Letter arrived today which is in response to the first letter saying they are trying to locate the documents needed.

Cabot_No_CCA_web.png

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Nice win for you there, no need to pay them anything at all, and can ignore them until if and when they send what you asked for in your CCA request.

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