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Cabot financial/clarity credit management - store card for Adams clothing called DUET


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Hi

I am being chased by a debt collector for over £700 on a store card I once had (opened in 1999) it was a store card for Adams clothing called DUET . I certainly never spent that amount of money on kids clothing !

 

After many years of financial difficulties and agreements in place - I now have a good credit score . Apparently I was paying £1 a month but clearly some mega charges were loaded onto my account - the details I do not have .

 

i suspect Cabot have purchased this debt recently and therefore have traced me to my new home address (been here 4 years ) . I have heard nothing for 6-7 years in this debt , and had set up a standing order for £1 per month before then . 


I have moved on from my debt riddled first husband and started over .

Remarried and now a teacher ... so financially in a better place .

 

I have ignored their texts and letters so far as I do not want to engage with them .

This is a very old debt which has somehow become much larger than it was originally 8-9 years ago . I have no paperwork left in it (that’s how old it is!) 

 

Shall I keep ignoring Cabot ?

How Can I get rid of them ?

I am not paying these horrible companies - who I think are trying it on ...

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Hi Kent and welcome to the forum.

 

I have moved your topic to the relevant forum Debt Collection Agencies..please continue to post here to your topic.

 

What date was your last £1 payment made...and to who ?

 

Andy

We could do with some help from you.

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It was made on 10/02/2020 to a company called CLARITY-

 

Cabot have sent me a letter today including a “opening balance” of £748.47 dated 14th August 2019 and then showing monthly payments to February 2020 . So apparently I am still owing £742.47

 

Scary as I know I could never spend that amount in children’s clothing and was quite cautious with cards in my name as we were already struggling financially 10 years ago . 

 

Also I was not a tax payer for many years so any credit/store card was given based on my husband income at the time ? I would assume ? He died over 6 years ago (with lots of his own debts!)

 

I have been chased for his debts and now it seems anything in my name , regardless of the fact that I didn’t earn at the time (housewife) 

 

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Was this store card in your name or his ?

 

Send the following to Cabot...I assume the debt has been assigned (sold) to them ...see what response you get.

 

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

 

And also send a SAR to Adams/or Clarity for all the details of the debt and how it accrued.

 

The following may also be of interest.....

 

 

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

 

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If they don't come up with a CCA within the prescribed time 12 plus 2 days stop paying them. 

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

 

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Its obv statute barred surely??

There has been a good 6yrs break in payments??

 

Pers i'd send our sb letter?? Not a cca request?

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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It was made on 10/02/2020 to a company called CLARITY

- Cabot have sent me a letter today including a “opening balance” of £748.47 dated 14th August 2019 and then showing monthly payments to February 2020 . So apparently I am still owing £742.47

 

Scary as I know I could never spend that amount in children’s clothing and was quite cautious with cards in my name as we were already struggling financially 10 years ago . 

 

I have made payments of £1 over the years thus agreement goes back probably 10years and was set up with clarity debt collectors . 


the £1 per month payment has been refunded regularly in last few months

I assumed because the debt had been sold on ... to Cabot !

 

so the debt goes back years but there was a repayment agreement .

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  • dx100uk changed the title to Cabot financial/clarity credit management - store card for Adams clothing called DUET

ok thankyou.

 

clarity are just another trading name of cabot...all the same lots.

 

so not statute barred sadly

another story of someone being wrongly advised to pay a very small amount running the debt statute barred status to eternity.

 

time for a cca request to cabot as andyorch suggested earlier.

 

it might also pay you to sar the original creditor

 

Creation Financial Services Limited

Chadwick House Blenheim Court Solihull West Midlands B91 2AA UNITED KINGDOM

 

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Thank you all

I will get onto this - after my school reports.

 

If Cabot and Clarity are the same why bother to pass the debt around?

I knew something was up when my monthly £1 started to be refunded to me - in the end I cancelled the payment .

I have no store card reference number so I will have to use my name and then address..

 

It i a mess as I left all files behind and took the bare minimum when I divorced 7 year ago...

I left payment agreements on Standing Order in place in my bank account, where they were in  my name. 

My ex died 6 months later -  massive debts, house repossessed etc 

 

His debt collectors, and to some extent mine, reared their ugly heads regularly in the first few years - and I would bat them away... there are a few persistent ones..  the last was Talk Talk for £900 and a court threat - out of the blue after 6 years of no news from them at all. 

 

The debt had probably just been purchased (again)

I called them and explained and eventually threatened to take them to court for unnecessary stress and duress. 

 

The account was in my name but I had opened it as I was the at home with the children and therefore had the time to do this for the family... I aw not a tax payer and did not work...(housewife duties !)   but this latest one is not one I would have expected. 

 

And the debt has massively increased without any communications to me for 6-8 years .

..(they couldn't be asked to find me then !!)

 

How I hate these companies...

It  is weird as my credit score is now GOOD ???

 

 

 

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It will make no difference to your credit score. Just CCA them and update with your current address.

 

After that, don’t lose too much sleep over it, it’s fairly unlikely you will hear anything back from them.

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

 

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

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  • 3 weeks later...

I sent a CCA to Cabot on 6th July

today, 10 days later I have received a letter (apparently sent on 10th July?) telling me they currently do not have the relevant information on file but have requested a copy - which may take some time  and they will update me within the next 12 days...

 

Then they go on to say that in the meantime I still have an outstanding balance with no repayment agreement in place (which is true as the agreement was with Clarity and they returned my payment every month form March this year - having moved the debt on ..I assume)

 

I am wondering whether they are bluffing me with the mention of 12 days - or can they legally delay as long as possible until they have a copy of the agreement?

 

I am also sending an SAR to Creation Financial services today..

 

Thanks for any suggestions on the next action

- I am tempted to write to them quite sternly, but also tempted to ignore them.. as this is becoming taxing on my positive energy!

Helen

 

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makes no odds, until they comply to the CCA request, you simply ignore them.

they only have 12+2 working days regardless

 

 

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Thank you.

and if I don;t receive the CCA within the 12 +2 days ?  (that would be 30th July form my calculation) I can tell them to go away ? or just continue to ignore them ?

BW

Helen

 

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re read my post and get reading up on like thread here on CAG.

 

dx

 

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Just ignore them , I’m going to take a wild guess and say that Cabot won’t come up with the goods. 
 

This debt is ancient which is why Cabot probably paid 1p in the £ for it. Knowing that there is no paperwork, and no chance of getting any paperwork.

 

Hoping that they could simply con you into paying. Fortunately you found us, and know better!
 

 

 

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

 

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

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Thank you - sorry to seem uneducated on the matter - which is not true entirely, as I spent a decade keeping the bailiffs from our door and writing to credit card companies... 8 years on I don;t really want to start again in my new life!

But heyho...

Best wishes to all

and thanks again for your reassurance

Helen 

 

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You are welcome.

 

No need to apologise. I learnt from my own costly mistakes and this place. So want to save others from making the same mistakes as I did

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

 

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

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  • 5 weeks later...

Hoorah !

I have now batted the Adams card/Duet/Cabot away - 

 no CCA in time and a letter to admit they cannot legally enforce the debt but apparently I still owe them :-)

 

Now for Arrow Global/Capquest regarding another old debt from Argos Home stores

- purchased not from Argos but from Bryan Carter

-  a dodgy looking letter from Argos Card and then the Capquest paper work.   

No address to issue a CCA ... 

 

Do these guys all talk to each other ?

own each other or is it a sign of the times ???

Again this debt  goes back to 2005....

 

If anyone knows the best address to send a CCA to for Capquest, thank you in advance, it will save me some time.. while I  petition/appeal for my son's A Levels  

 

All good - I have found an address in Glasgow.

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Yup, they moved recently a couple of years back to Scotland.

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

 

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

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carters were not debt buyers but solicitors..

so who was his client....lowells?

 

dx

 

 

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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