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stevetorro

cabot/mortimer re old HBOS card debt

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Previously followed information from Dx..and stopped paying £1 per month to Cabot re:Bank of Scotland credit card..

 

as dx said ..I was being can cowed..

Cabot had offered discounts time and again to settle this outstanding debt

...have had text.

.calls and

2 doorstep calls

all ignored and now passed to Mortimer Clarke..

 

checked on the forums and this is not a PAP.

.just letter telling me I have 30 days to respond includes statement of account with all payments of £1.

..and documents for me to fill in and return as to whether I owe this debt.

 

.a questionnaire.

Info re this debt as follows...

Bank of Scotland

credit Card

Date of agreement 19/10/1999

Date of assignment to current creditor 03/08/2012.

 

What are the next steps if any should I take...

 

 

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did you send a CCA request?

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi dx ...no I haven't..just stopped as you suggested..paying them and other debts the £1 per month ..Cabot are the only ones chasing up though

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Should I now do this...what about Mortimer Clarke

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as long as its not titled letter of claim, with a reply pack?

follow strikeout text below ..site is having a hissy fit..

 

get those cca request running..

 

this seems a bigger issue than this one debt.

and ofcouse you've not any history here to gauge whether you assumptions are correct.

 

can you list your debts please.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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No letter of claim ..just says I am to reply within 30 days or Cabot will ask Mortimer Clarke to issue court proceedings and then they will ask the court to order a county court judgement against me.

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cause they will..not!

 

so follow the rest of post 7 please


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi dx..other debts even though they don't relate to this issue

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I was more concerned generally that you had done this..

 

just stopped as you suggested..paying them and other debts the £1 per month

 

without 1st sending a CCA request to each..

thus please list your debts..


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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i see...

yes I literally just stopped paying each of my debts the token £1 monthly which I had been doing for years..

.no CCA sent to any of them..

.stopped all token payments August 2018...

 

Robinson Way...HSBC bank credit card...£2920.50 as of November 2018

 

Robinson Way...ex T Mobile account...£149.98 as of November 2018

 

Cabot Financial...Barclaycard credit card...£2305.95 as of October 2018

 

Cabot Financial...Bank of Scotland credit card...£1407.34 as of August 2019.

 

All these are from approximately 1999.

..defaulted around the same dates if I recall.

..I had posted previously under a different name I think .

..had to re register under this name

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which was?

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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All these are from approximately 1999...defaulted around the same dates if I recall...I had posted previously under a different name I think ...had to re register under this name... previous name....stevetorro

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so SB letter to those that have not been paid in 6yrs

CCA request to those that have

stop paying [if you are ] the mobile debt.

robbersway will already have your correct address from the other letter be that CCA or SB letter..

 

clear now>>

 

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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All these are from approximately 1999...defaulted around the same dates if I recall...I had posted previously under a different name I think ...had to re register under this name... previous name....stevetorro

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All token payments were ceased in August 2018... not 6 years ago ...so I will just CCA to all...what if anything will this do...?...I understand that they will not have or be able to provide any documents from this length of time

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sorrty confused SB with another thread

so CCa time bar the mobile

 

cant see anyone producing enforceable CCA's for that period .

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Ok will do ...CCA from the document downloads that you have previously posted

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cca request <<clickme


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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CCA requests sent ...received another letter from Mortimer Clarke passing it to Resolve call for doorstep again ...

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On 19/08/2019 at 11:55, stevetorro said:

CCA requests sent ...received another letter from Mortimer Clarke passing it to Resolve call for doorstep again ...

When you get your doorstep visits what do you do? 

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IF they ever appear

you film them on your phone

you do not engage them

you tell them to leave and not return 

else you'll call police 101

they are not bailiffs

and have ZERO legal powers

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Yep.... received letters back from Cabot..they need to contact original lender  for copy of credit agreements...this may take some time but will write to me within the next 12 days  with an update..Thier letter sent/dated 21August 2019.

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fat chance for one that old!!

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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