Cabot and old RBS Card Debt - now resolvecall threat

[just_jue 64]

Hi, hope everyone is well.

 

Just received a letter from Resolvecall who are working on behalf of Cabot regarding a RBS Credit card account they have brought.

 

Saying the usual please contact within 7 days or we will come to you etc.

 

No payments have been made since mid 2015 and was defaulted Jan 2016, no CCA has been asked for.

 

At the moment I don't want anyone turning up at my door, how is the best way to handle this.

 

Thanks

 

JJ

[BankFodder 1,965]

Tell them don't bother to come round and tell them you want a CCA.

If somebody does come round then greet them with a telephone taking a video of them. Stay very polite but tell them to go away and tell them that their video image will be put on YouTube and also on this forum. And do it

My site team colleague @dx100uk will probably be along soon with some more precise advice

[London1971 1,092]

Just some self employed debt collector, who has zero legal powers. Don't even bother answering the door, that's if they do turn up. Jan 2022 it will be statute barred anyway. You could also send a CCA request, it seems unlikely they will be able to produce one for a debt that old.

[dx100uk 9,442]

when was the last time anything was paid on this debt?

when was it taken out and was that at your current address?

what previous willy waving have cabot sent you regarding the debt?

 

 

[just_jue 64]

The last payment was made around June - July 2015

It was taken out at my older address 

 

Cabot took over the debt 6 months ago so had the normal or introducing themselves, then the normal please contact then the last one about a month ago saying they were instructing resolvecall to pay me a visit.

[dx100uk 9,442]

so you have never written to cabot nor RBS telling them you have moved?

 

dx

 

[just_jue 64]

I told RBS I had moved, just after I moved I lost my job and couldn't pay them.

 

I still have a RBS bank account that I only use occasionally and this is at my new address

[dx100uk 9,442]

good.

 

ever sent cabot a cca request?

 

resolvecall might be the first baby steps toward a letter of claim and court as this is only 6mts away from sb.

 

granted debt buyers always leave things till the 6yrs is almost up before doing so to rack up court interest on the debt, but it's p'haps worthy to see what cards they have now and be prepared.

 

 

[London1971 1,092]

Request a CCA from Cabot and send them a confirmation of your current address.

[just_jue 64]

Nope never acknowledged or sent a CCA.

 

I will send them a CCA.

 

Cabot have only ever written to my latest address.

[London1971 1,092]

Doesn’t matter, they are just phishing , looking on your credit file and using the address that they find. That means they could legally send a claim form to your old address and you’d know nothing about it until you found a CCJ!

 

Informing them in writing of your current address takes that risk away completely .

[dx100uk 9,442]

and you've suffered backdoor CCJs  before

 

CCA will kill 2 birds with one stone

[dx100uk 9,442]

moved to rbs forum and title updated

[just_jue 64]

Thanks DX.

 

CCA Sent

[just_jue 64]

Resovell call knocked on my door today, so politely told him to go away.

 

He wanted to give me a envelope that I refused. 

[dx100uk 9,442]

aw ....it was a christmas card 

[just_jue 64]

Would it be worth send a SAR to RBS to find out the last payment on Credit Card etc?

[dx100uk 9,442]

On 11/11/2020 at 13:46, just_jue said:

and was defaulted Jan 2016,

 

[just_jue 64]

That's what it says on my report but I am sure the last payment was around July August 15.

[dx100uk 9,442]

ideally a creditor should default you within 3-6mts, but those ico guidelines went out the windows in 20`4 i think

it could be bought up in a defence should they issue a claim.

 

defaulted date+14 days is now regarded as sb date on most recent agreements where sec 87 applies

 

[London1971 1,092]

Did you ever get a reply back to the CCA as per your Nov 12th post on this thread?

[just_jue 64]

Well strangely they have written back saying I hadn't enclosed the £1 fee, that I am sure I did.

 

They do now have a bank account number just for cca request that I can send over to them

[dx100uk 9,442]

ok