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Can Cabot enforce based on attached Lloyds TSB CCA?


dwr_fsg
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Cabot wrote to me to claim that a Credit Card with Lloyds TSB has an outstanding balance, latest £1,654.75 and that they were assigned the debt on 24/06/14 (they sent a copy of an assignment letter from Lloyds). I did have the card and I have no record of clearing the balance and want to know what enforcement action Cabot can take, if any.   

 

Regrettably I had made peppercorn payments up to 06/01/20 via Moorcroft (who I now realise are associated with Cabot) I also now realise these payments made statute barring impossible until 2026 so I asked for a CCA, the attached is what I was sent. My name and then address is covered up on the first page.

 

Look forward to your views.

 

Thanks

 

 

 

    

Lloyds TSB CCA (optimized).pdf

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moorcroft are not part of the cabot group.

 

pers i'd ignore them until/unless they issue a letter of claim.

 

is the address correct for the time the card was taken out?

 

when did you take the card out?

 

where's your signature box and date...was there one, i cant see that page?

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for rapid response.

 

OK I misinterpreted Cabot's statement in their letter that "The account remained managed by Moorcroft on our behalf."

 

Planning to ignore unless they issue a letter of claim.

 

The address was correct when taken out. 

 

Taken out 11 August 2009 according to Cabot.

 

No signature box or date!  

 

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oh well thats fatal to any claim but don't ever tell the fleecers that

 

go radio silent until/unless you ever get a letter of claim as detailed above.

 

might be worthy to send HBOS an SAR

that way you'll get all the statements etc and be one step ahead.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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