Defaulted Yorkshire Bank Credit Card now being chased by Cabot

[Wolvesatthedoor]

Hello

Im looking for some advice on next steps for the following case please.

 

Yorkshire Bank Credit Card

Account Start Date 31/01/1997

Default Date 08/05/2015

Default Amount £10,218.00

 

Never received any court or solicitor action on this account, only chased by YB themselves.

 

Heard nothing for 2 years, last updated entry on credit file shows March 2018.

Balance on file states £0

 

Started being hassled by Cabot in November 2019, ignored everything so far.

Am I correct in thinking I should ask for the CCA from 1997, if so who from YB or Cabot.

 

many thanks in advance

[dx100uk]

I would guess they've sold the debt to cabot, did you get Notice of assignments ?

so you paid quite ok till around 2015 then hit issues

when was the last time you paid anyone anything too?
 

[Wolvesatthedoor]

Thanks for the prompt response 

 

received a letter from Cabot saying they now bought the debt but it definitely isn’t titled as a notice of assignment.

The last payment to YB was Feb 15 and yes the problems started after that.

 

Thank you

[dx100uk]

CCA would goto the debt owner then

are they chasing?

 

have you moved since then and not informed YB?

 

[Wolvesatthedoor]

Right so I’ll send a CCA request to Cabot.

Moved house in 2002 so yes since the account was opened but not in the last 18 years.

 

 Cabot chasing via never ending texts and phone calls.

only had 2 letters though, last one dated Nov 19.

Do you think the chances of them producing g the CCA from 23 years ago are pretty slim?

 

Thank you

[dx100uk]

very.

 

you are quite safe to block return report as span texts and calls.

 

don't forget a DCA is NOT a BAILIFF 

and have

ZERO powers on any debt.

 

 

[Wolvesatthedoor]

Thanks for that.. I thought as much.

 

they class themselves as a debt purchase agency does this also mean they have zero power the same as a DCA?

Also would you even bother asking for the CCA or just continue to ignore?

I checked every piece of paperwork and 100% have never been sent a notice of assignment from YB 

 

thank you

[dx100uk]

samething.