Lloyds Debt sold to cabot, now resolvecall

[TheUnknownStuntman]

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.

[dx100uk]

And what can they do??

[London1971]

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.

[TheUnknownStuntman]

Thankyou for all the reply's.

[TheUnknownStuntman]

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.

[dx100uk]

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.

 

[TheUnknownStuntman]

July 2016.

[dx100uk]

so doesn't matter wat they put

its defaulted 

cant harm you further

it will all vanish on the defaults 6th birthday.

[TheUnknownStuntman]

Thankyou so much dx100uk for all your help and replies, it is very much appreciated.

[London1971]

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.

[TheUnknownStuntman]

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

[London1971]

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.

[TheUnknownStuntman]

Hi Guys, Well looks like Cabot have given up and now passed the debt on to Resolvecall. I guess this is just another DCA. I am safe to ignore ?

Edited October 5, 2019 by TheUnknownStuntman

[dx100uk]

as with all DCA's

they are not BAILIFFS

 

if some bod does appear

do not engage them.

 

film them on your phone

tell them to leave your premises and do not return else you'll call police 101

 

dx

 

[TheUnknownStuntman]

Thanks dx.

 

I have read they these guys threaten with court action and send people to houses.

 

I have the letter still from Cabot saying unable to find CCA.

 

I was just checking whether its still safe to ignore letters now from Resolvecall, is it worth sending them a CCA ?

 

Thanks dx.

[dx100uk]

a powerless DCA 

only the OWNER of a debt can do court.

 

please find time to read up properly.

 

dx

 

[London1971]

A DCA buying up a bunch of ancient debts for 5p in the pound does not automatically give them god like powers to grant CCJ's and send round the Bailiffs. 

 

There is a good reason why they are only worth pennies, that's because they are not enforceable. 

But the DCA's know that sending out a bunch of threat o grams is always enough to scare a few people into paying up .

Which is exactly why you ignore them, until if / when they send a PAP letter. 

Which might well be never

 

[dx100uk]

if you look around the forum or use our search

you'll see there are numerous, recent threads, whereby resolvecall have sent letters about old debts owned by cabot..

sadly there are mugs out there that will blindly pay because they wet themselves.

 

dx

 

[TheUnknownStuntman]

Thanks Guys, I thought pretty much its another powerless DCA but I double check on behalf of my wife as she suffers from bad anxiety so when a letter like this comes along I have to either try to intercept it or try to reassure her its nothing. I then show her your replies. Thanks again for your help.

 

 

[TheUnknownStuntman]

Good Afternoon everyone, hope you are all safe and well.

 

So previously i had a topic called Lloyds Debt sold to Cabot, now Resolvecall. This debt has now gone back to Cabot and they are sending letters now every week and attempt to call my wife all the time on different numbers.

 

We have been ignoring them but now we have a letter saying we have 9 days to get in contact otherwise an agent could knock on my door.

 

I still have the original letter where Cabot have told us the debt is unenforceable and yet they still are harassing and lately even more so.

 

Are we still OK to ignore these threats and they are trying to break the statute barred rule by making contact somehow?

 

Any advice please as the wife is now worried.

 

is there anything we can do to stop them harassing her?

 

Thanks again guys for all your help.

 

[dx100uk]

threads merged

PDF next time please!!

 

when was the last payment made?

 

dx

 

[TheUnknownStuntman]

Hello, We have never paid Cabot anything. Last payment was to lloyds before they sold the debt on.

[London1971]

Just ignore them 

[TheUnknownStuntman]

2 minutes ago, London1971 said:

Just ignore them 

is it still safe to do so? will an agent come to my house? What happens after 9 days?

 

Why has there efforts doubled so to speak and is there a way to stop them pestering so much.

 

Thanks again for all your help and sorry for all the questions.

 

I struggle with severe anxiety but this site has helped so much, Thankyou.

[London1971]

Powerless DCA has just sent a standard letter, with a veiled threat to send a self employed powerless stooge to come knock at your door. Worry level = 0.

 

The only thing of concern would be a letter before action, which this clearly is not .