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Cabot and old Aqua card debt - keep wanting me to increase payments now letter of claim


yesilgozlerim

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I couldn’t find my old posts but after 3 months of letters, Cabot have sent me a letter saying they will definitely be going to the solicitor to start action for a CCJ.

My default is due to drop off in 6 months and I was reading on stepchange website that if they get a court order before the 6 year limitation ends then the debt won’t become statute barred.

I’ve had no choice but to put myself in a payment plan of £1.00 per month to stop that CCJ.

My questions are these:

once the default drops off, can any defaults be re-added?

and 

They were sending me the same CCJ letters for 3 months, could they have obtained a court order without me knowing in that time ?

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I set it up yes but payment date is not until early January.

and no they did not reply to the CCA request.

Should  I re-request it ?

surely they must have a CCA if they want to get a CCJ against me 

I was afraid that if I didn’t offer something then they would get a court order against me and the debt will never go statute  barred.. once it goes SB I don’t have to worry anymore 

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  • 3 months later...

update:

Cabot have now forwarded my account to their in-house solicitors Mortimer Clark and today I received paperwork saying potential action …

what I don’t know is how to find out when exactly I defaulted on the original creditor because when looking on my credit files…

It doesn’t show at all on Experian, default on one is showing as 30 June 2017 and other as 30 September 2017.

By the end of September 2023  the debt will be statute barred anyway.

what do I do about the solicitor letter?

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  • dx100uk changed the title to Cabot and old Aqua card debt - keep wanting me to increase payments now letter of claim

Ok I’m not going to lie. I’m slightly confused.

what reason would I give for disputing ?

I need to complete the pdf form in the thread and send that plus a CCA request to Cabot. 

and the same thing to the solicitor ? 

sorry got it...

I send a CCA request to Cabot with the fee

and I then send the completed form to the solicitor disputing ,  requesting more documentation 

Right ?

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For give me DX as I don’t have the intellect that you do.

if you could clarify for me…

send a cca request along with the completed form:

— what completed form exactly ? Do I send both Cabot AND the solicitor the same pdf form on the thread?-

NOTE ONLY USE THE ATTACHED FORM below

DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAPLETTER!!

DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER.

USE ROYAL MAIL 1st class - get free proof of posting from any PO counter

 box D tick

I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.

box I tick

I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form]

what does it mean that CC is attached to this reply form?

And reason for what dispute I don’t know what to write there

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It is 30 days from the date of the letter right ?

it’s dated 24th march but I only received it yesterday. So it means I have 25 days now … I will do this and completely it and send it a week before the 30 day to allow time for posting 

 

Would it wise to send a CCA request to the original creditor too?

 

I know aqua sold it to Cabot but they might have something on file still ?

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  • 2 weeks later...

I didn’t pay anything since May 2022 according to their statement the solicitor send me, so I checked with the bank. 

Last payment was for £14.00 on 3rd May2022.

I did set up to pay £1.00 a month in December 2022 to start jan 2023,  but you told me to not be a cash cow so I didn’t make any payments hence now they’re pushing for a CCJ 

since the debt comes statue barred in June I’m hoping they don’t have the paperwork on them that would make it enforceable. 

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  • 2 weeks later...
  • 3 weeks later...
  • 3 weeks later...

today I received a letter from Mortimer Clark and not yet Cabot 

it says a bit about the debt- credit agreement entered Sep 2013, and terminated on 27th June 2017 and the bore agreement number xxxxxx

the debt was then assigned to Cabot.

Your dispute - 

we understand you are disputing stating the claimant has failed to previously ignored legal requests and failed to supply documentation.

Going forward-

we assure you that we will be conducting a thorough investigation into your concerns which may include contacting the original lender to obtain further information and liaising with other departments. 


in the meantime your account will be placed on hold.

We would be grateful if you could supply us with any further information that you feel could assist our investigations 😂

Still nothing from Cabot even though I believe  MC are their in-house solicitors.

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