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old RBOS CC debt passed to Cabot ? what to do?


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I have had a letter from RBOS saying they have assigned my debt of £3600 to Cabot however it must be at least 6 years since i did anything with this debt, the letter was sent to my old address.

 

i have had a look around on the site but cant see a FAQ to do with these issues ( probably me not looking the right area) 

.

can anyone advise me on what the next steps are as i assume this debt may be statute barred ?

but im loath to ring Cabot and go through any details with them and would rather do it via letter.

 

as back ground

i have other debts with other banks and currently have CCJ obtained via backdoor so im obligated to pay that debt.

 

also did a stepchange thing that showed i have no other available funds to pay these other debts off.

 

any help appreciated

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you never ever ring a DCA nor email anyway no matter what you might think is a good reason

 

if the debt is SB'd

then send cabot our SB letter from the debt collection section of our library.

 

dx

 

 

On 08/01/2020 at 19:56, London1971 said:

Correct.

 

No need for them to prove anything.  They have got you on this one. 

 

Best to come to an arrangement on this CCJ and put your energy into making sure any other creditors have your current address.

 

so you didnt follow the advice on your other thread from earlier this tear?

 

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Posted (edited)

i did but for the rest but for some reason RBOS haven't altered it on th clearscore app it still shows my old address 

Edited by duffblade
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What is the debt ...Loan/ Credit Card ?

We could do with some help from you.

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

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Posted (edited)
19 hours ago, London1971 said:

What's the default date? It should be on your Credit File

shows as June 2014 when payments were missed but shows as in default but shows a date of 2015 when it was updated

Edited by duffblade
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forget the calendar section

what is the defaulted date from the debt summary section?

it will say date defaulted xxxxx

can you clarify that please?

and who is shown as the owner cabot?

and what is the type of credit?

 

 

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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I'm sorry I'm using the clearscore site

the experian one tells me nothing without paying

 

all i see is the card name and number

it says in default

but there is no date

then the amount

and below that a calendar depicting on time/missed or no data

 

it the then say the date opened and the date updated

 

is there another that could give the date you'd recommend

 

 

 

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well to sell the debt RBS would of have to have issued a default notice upon sale or before.

now to take since june 2014 to issue a DN is outrageous so i suspect you did received a DN from then years ago but have forgotted

 

RBS had your correct address ...thus so do cabot 

they can't issue a back door CCJ claim then like your other one (M&S CARD) 

and must abide by the pre action protocol.

 

await cabot to start waving their arms at you

 

in the meantime, send RBS an SAR.

 

 

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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is that a subject access request ?

just for my curiosity why am i requesting this?  and what do i do when I receive this info?

 

cabot have started calling me but leave messages for me I've avoided them for now do you suggest I send them anything?

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 sar to RBS will get you everything they hold on you

inc the statement

which might well prove useful for last payment date 

and default notice issuance in their account log pages.

 

as for crapbot...until or unless your get a letter of claim 

you are safe to ignore them 

 

 

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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  • 2 months later...

sent off for the SAR

still haven't heard anything from them but

 

today received a Cabot letter saying as they haven't heard from me they will instruct a company called resolvecall to visit my home.

 

should i be worried about this or is there a generic letter i can send to cabot 

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resolvecall are a powerless dca and a dca can never be a bailiff.

 

go chase that SAR, they only had 30days!!

 

 

 

 

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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