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

[Strawberry_candy33]

Ok. I will continue to ignore and will keep this updated as and when I receive more from them. 
 

[Strawberry_candy33]

Nothing new just calls and texts from moorcroft. Blocked calls and texts, reported as spam. 

[dx100uk]

you're learning.

dx

 

[Strawberry_candy33]

Now receiving emails but they are marked as junk. 
 

If I get court forms again come through like I did with Cabot, will I not need a CCA request from moorcroft to dispute since they have taken it over from Cabot .

[lolerz]

Ignore emails totally like calls/texts.

Only thing that matters is a letter of claim by post, which Moorcroft can't send.

[Strawberry_candy33]

Why can they not send it? 
 

[lolerz]

Moorcroft don't own the debt.

Put it to you this way.

You owe Steve £100, Steve can ask his best mate Barry to hassle you for the money. Barry bothers you by ringing your phone, sending threatening letters (oh, scary!) and filling your email with junk. Barry might even turn up at your door and demand that you pay. You rightly (and politely) tell Barry to buzz off.

Barry can not take you to court, as you do not owe Barry, you owe Steve. Steve, however, CAN take you to court, should he so wish. If a third player, Mick, paid Steve £20 to settle the debt on Steve's end, Mick could try to take you to court for the full £100. It's unlikely though that Mick could win. So instead, Mick gets Barry to chase you on his behalf.

In this instance, Steve is Aqua, Mick is Cabot and Barry is Moorcroft.

Eventually, Barry will give up and Mick *might*  take his chances and take you to court. However, Mick likely will make loads of errors or be missing paperwork that you can then exploit in your defence. 

Get what I'm saying?

[Strawberry_candy33]

Yeah I get it. 

I just re-read the only letter I have received from Moorcroft who say my details have been passed on to them from Cabot on Cabot’s behalf and are now dealing with my account.

Cabot already tried with their own in-house solicitors, and  didn’t get anywhere court wise ….so makes sense they pass it on to someone else to try for them  … these will also fail too …

There’s no paperwork except a statement of  last payments from 2022- and that’s clear as Cabot acknowledged my CCA request in July 2023( even though I sent it in April 2023)  last and never came through with anything. 
 

I used to be scared if these people but thanks to this site, and the outstanding knowledge on it, I no longer am.

so I thank each and every one of you.

 

[Strawberry_candy33]

no update to report