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

[Strawberry_candy33]

When they sent me the letter of claim, they sent me a statement of transactions from October 2017-March 2023. 
 

is that normal ?

 

Im wondering if that’s all they have. 
Im just curious now.

 

Is it 14 days I need to wait for a response ?

[AndyOrch]

Pre Action Protocol response is 30 days

[Strawberry_candy33]

From the solicitor 30 days ?

 

 

 

I sent the CCA request to Cabot ..is that still 14 days ?

[AndyOrch]

Yes but you didn't refer to a CCA request in your post CCA= 14  PAP =30

 

Quote

Is it 14 days I need to wait for a response ?

 

[dx100uk]

if cabot fail the 12+2 working days response to the CCA then one of the things you can do is to stop payments (if you were paying) until they comply.

as for your LOC reply to them.

yours is not the next move.

if cabot want to do court you will get a claimform pack from northants bulk court

but cabot wont get far without an enforceable CCA and other paperwork like the default notice

 

[Strawberry_candy33]

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. 

[dx100uk]

[Strawberry_candy33]

Just a waiting game now 

[London1971]

Every single time I have sent a CCA request, (that's a lot of times), I've had a letter back saying ' Your account is now on hold while we look for the correct documents' The amount of time it's taken has varied from 6 months to never. Not once have I been sent a claimform for any debt that I have requested a CCA for.

 

The last debt I had with Cabot, I CCA'd them in 2017, and got something back off them 6 months later. Strangely I never heard from them again, and it went Statute Barred a couple of years ago.

[Strawberry_candy33]

6 months !!!!!

 

I was expecting them to be quick.

Within a few weeks at most. 

[dx100uk]

they actually have 6yrs from the registered defaulted date on your credit file. or last payment date , whichever is the later

do not move without ever informing the owners of any debt you last used/paid within say 7yrs

protect against a backdoor ccj.

dx

 

[Strawberry_candy33]

I’ve been at the same address for 9 years.

defaulted date is 27th June 2017- 

[dx100uk]

but you were paying until recent 

so the 6yrs runs from then.

 

dx

 

[Strawberry_candy33]

it doesn’t become statute barred once the default drops from the credit file ?

[dx100uk]

On 13/04/2023 at 22:15, dx100uk said:

they actually have 6yrs from the registered defaulted date on your credit file. or last payment date , whichever is the later

do not move without ever informing the owners of any debt you last used/paid within say 7yrs

protect against a backdoor ccj.

dx

thats is the SB date.

but no!

a debt dropping of a credit file does not mean it is necessarily statute barred no.

as in your case above you paid until much later.

[Strawberry_candy33]

a little update …

it’s been a week since posting the paperwork. 

I used to receive multiple calls from various numbers and places but 2 days after I sent the paperwork, that has all stopped.

Not one call since Friday…  that’s 6 days.  

Funny that ! 

[Strawberry_candy33]

Still nothing. 
no acknowledgment.

Does the 12+2 start from when they receive it ?

it’s been 13 days since I posted the cca and the PAP loc reply 

Edited April 24, 2023 by Strawberry_candy33

[dx100uk]

proof of posting date. your have that?

they have 6yrs from your last payment to do 'something'

simply do not move without telling them.

yours is not the next move.

dx

[Strawberry_candy33]

I’m not going anywhere Dx…. 

 

I was just asking for info when the 12+2 starts ..and yes I have the proof of postage too. 
 

I just thought they may acknowledge the cca request at least as I’m genuinely curious to see what they have 
 

 

[dx100uk]

no cca = no pay...end of.. they'll have zilch or why did aqua not take you to court and crush you eh?

 

dx

[London1971]

Yup, I would say for the price of a first class stamp, you've likely stopped this dead in it's tracks.

[Strawberry_candy33]

Still no response. 

[Strawberry_candy33]

I still haven’t heard a single thing. It’s been over a month. 5 weeks or so.
Is it known that companies may sell it to someone else since if they know they don’t have the paperwork to do anything legally?

Edited May 21, 2023 by Strawberry_candy33

[London1971]

The claim is going nowhere, all stopped for the price of a stamp.  As for selling on the debt, just keep opening your mail, but likely there won't ever be a CCA. If they come up with anything, run it by us.

[Strawberry_candy33]

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.