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Cabot Financial - HSBC Loan - phantom payment?


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Cabot Financial have today sent me a letter re an old HSBC Loan totalling £8694.35.

It had been part of my IVA which failed thanks to HB/ Freeman Jones..

 

.I believed this to be Statute Barred but they have said that I made a cheque payment (I didn't) in 2015 and have sent a list of payments

- I never used a cheque ever to pay this debt it was from my account until the IVA took over.

 

The loan began October 2008 - Cabot state I (debtor) made a cheque payment of £29.42 on 21/08/15 - I didn't...my IVA was ongoing at this time

 

Cabot say they became owners in November 2019 

 

Happy to provide files.

 

Any suggestions?

 

Many thanks

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Ask them to provide the cheque number ...account and sort number.

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

 

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  • dx100uk changed the title to Cabot Financial - HSBC Loan - phantom payment?
On 21/04/2020 at 14:14, Tabaching said:

I have done so - the account and sort has already been provided and seems correct

 

Does the information that Cabot have supplied match with your own Bank Statements & Records?

 

Stigman

 

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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  • 3 weeks later...

Stigman, this was so long ago that I do not have the statements. IVA through HB is gone - transferred to Freeman Jones who essentially ignored me. Cabot are lying as I have never used cheques in the past 10 years.

 

Andyorch - no response from them since I asked for proof of cheque.

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Have you ever requested a copy of the agreement yet using section 77?

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 Topic please PM me a link to your thread

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Then send them the following.....that will put them on notice they are in for an up hill struggle to push this through.

 

https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/

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 Topic please PM me a link to your thread

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