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    • So with a long working history, which she can evidence, it should not be a problem. Still have to go though HRT process for any benefit application, if they have been out of the UK for more than 6 weeks. It won't be a smooth process though. Suggest they try to get advice via Embassy, before they start any journey.
    • Dep Thx Eric's Brother. There was a person on this forum who told me his case was thrown out at the same court because of the contract. I requested more info, but he has disappeared since his case was dismissed.  I was just wondering whether it was worth whacking off a letter to IPS pointing out one of their members, using their logo, is making a claim based on illegal signage and other issues in contravention of their Code of Practice. Would they lean on VCS to withdraw, do you think?
    • Mother and father worked here and then went to SA in about 1978 returning to UK in about 1996 and worked here until 2016 when her husband died at age 66.  He was still working at the time.  She then went to live with daughter in SA.  Mother only claims for her pension. 
    • Thanks, I owe the money, no issue with that, I will SAR the company.  If I need to just pay it and have the CCJ for a few years so be it.  Just thought I'd explore all options
    • By the way you wrote that post, i can see that you are as confused by the situation as someone reading it. Important advice must be not to pay for any flights etc, until they understand the situation fully. Those that have British passports could be entitled to receive UK benefits. However, nothing is that straightforward. The passport does guarantee anything. The daughter could be entitled to Universal Credit ( which includes housing) as a British passport holder, but this can only be confirmed when she has gone through the Habitual Residency test (HRT). So you will need to read about HRT for British passport holders returning to the UK. There will be requirements to provide information about why they are returning to the UK and what work searches have they done to find work on their return to the UK. In regard to the mother who has a British passport, you will be correct in presuming that no council is going to be helpful in paying for the care home fees immediately on arrival in the UK. When did the mother last live in the UK ? When did the mother last work in the UK ? British embassy in South Africa may be able to provide information and assist with applications ? Just getting on a plane, landing in the UK and expecting help to resolve their situation, would be a silly thing to do. I can see the mother ending up in an NHS hospital for a period, while people wondered how they were going to deal with the situation. Probably not the first to do this, but if the mother also has a South African passport, they could put her on a plane back to SA and then the Daughter would be a difficult situation. Embassy in South Africa must be first place of advice.
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Angel Steele

Cabot - old OD Debt

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One of the debts with Cabot is for a fairly small overdraft I had.    I can't CCA for this can I so can you suggest what I need to ask for when I write to them?

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what you should have done 10yrs ago stopped paying cabot on an od thats almost guaranteed to be all penalty fees and their interest....

 


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

 

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The overdraft was £1500.     The outstanding amount is now £1411 so not interest and fees I don't think.   I have only been paying £1 a month.    I stopped paying them when I discovered the AA loan debt which is also with them had been written off.      They are now threatening CCJ proceedings.   I know it is a threat-o-gram but as it is not a loan or credit card I'm asking what letter would be appropriate as I can't CCA them as such.    

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Sar the oc

But crapbot must abide by pap

 

Dx


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

 

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I SAR-ed the bank, Lloyds, last year for PPi purposes and there was nothing relating to them passing this over to a DCA.   

Why am I sending a SAR in the first place?  

They wouldn't be sending me docs relating to them passing debt to Cabot would they?  

 

Also if I recall a SAR takes absolutely ages. 

I have had a further letter from Cabot telling me I now have 21 days before they start court proceedings.

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created this od debt its own thread now,

 

who was the original credit? RBS?

 

read the letter property it does say WILL anything I bet 

unless it is a letter of claim from a solicitor.

 

 

 

 


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

 

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No, the original debt was with Lloyds Bank.     £1,500 ove

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From above - £1,500 overdraft that Lloyds sold to debt collector.

 

Letter from Cabot says "I have been selected for legal action to commence by our solicitors because I am not making payments.   If you continue to ignore then this account will be passed to our solicitors who will then look to obtain a CCJ.     Take action today and avoid a CCJ.   We don't want to have to take this matter to our sols but if you do not take action within one month this will happen"

 

Scare tactics I know but a SAR didn't reveal anything last year.

 

Can I send a CCA or does it have to be a SAR.

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Have you all the statement s from day one?

when did you open it?

 

as for the we are gonna jump letter...might pass it to a solicitor

who might look at it. But ofcourse cant 'obtain a ccj' 

only cabot can do that..

 

 

bit like dogs and lampposts


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

 

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I didn't open it.   It is an overdraft from 2013 which I couldn't repay due to redundancy then.

 

Not sure what you mean by only Cabot can do that.   Surely that conflicts with what you say!

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Cabot can issue a court claim....nothing stopping them if they are the legal owners of the debt.


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what do you mean you didn't open it??

when did the bank account start that went into OD, and what did you originally agree to or latterly apply for as the OD limit?

 

dx

 


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

 

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Unauthorised overdraft DX ?


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I had a £1500 overdraft on my current account.   

Following redundancy in 2013 I couldn't pay it off and then Lloyds closed the account and now Cabot have the debt.   

 

Until I recheck the docs from the SAR from last year I don't know when exactly they sold it on. 

 

I do know that Lloyds defaulted me on my credit report and then Cabot defaulted me with it too so I had two defaults despite me not defaulting with Cabot.   

 

They have both since gone from my credit report for just after a year.

 

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when did you open the bank account...………………………...


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

 

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I opened it in 2003 or 2004.

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you say you have all the statements from the sar last year?

so look thru them , 

when did you start to go overdrawn look at the statements...

 

are there any fixed sum fees you can see throughout...like £20 £30 etc etc for letter fees, over drawn fees, late fees, failed dd fees  ….

I bet there are a good few £100's of these fees ...these are a good bargaining tool add them up!!

 

doesn't matter when the debt was sold that's pretty much immaterial now, but I bet the current balance is not all of your own expenditure..


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

 

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I've had a look through the statements and yes they did add fees and charges but in the end they were mostly refunded as I made numerous complaints to them  about this.    

 

Lloyds did send me a letter of assignment in 2015 advising they had sold the debt to Cabot.     I will pay back what Cabot paid for the debt, which would not have been the full amount of £1,500.   Is there a template letter in the Library here that I could use?

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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