Post Office Credit Card (JAJA Finance) sold to Cabot

[Archangel9]

Hi,

 

It's been a while since I've been here, but I'm needing to send off a CCA again, but the wording in the final message is confusing:

Quote

unless you are responding to a court claim

you do not need to send a CCA by Recorded.

 

you can simply use 1st class and get proof of posting when you get the PO

 

pop it in the envelope with the letter

 

"pop what?" The CCA or the proof of posting?

 

Quote

and hand it back and get proof of posting which is free

 

And then get another PoP?

 

Thanks,

A.

 

[dx100uk]

cca cost £1 via a postal order!

get in 

pop it in the envelope

pop is back to the counter and get free proof of posting.

 

why are you sending a dca a cca request?

have you got a letter of claim

or have been blindly paying this scammer dca and want to challenge the debt?

 

whats the debt all about?

tell us the story please before you do something silly you might not need to do.

 

dx

 

[Archangel9]

I'm a lot behind due to being harassed/evicted/ill, I've not been paying them because I've not had the money to.

 

I've had letters from some debt collectors for a while, cabot and intrum,

I need to go through the letters again to see whether they said they bought it or whether it was passed to them,

 

I'll post tomorrow.

[dx100uk]

why were you paying them anything in the first place?

that was when you should have sent the CCA requests, not several years into being cash cowed and giving them free money

 

dx

 

[Archangel9]

I wasn't paying *them* I was paying those (the originators) who shifted the debts onto them.

[dx100uk]

no they sold the debts and you had notice of assignments

 

dx

[Archangel9]

One's a CC and the other was an HP agreement.

[dx100uk]

ok listen it looks like the last time you addressed these debts was +10yrs ago going by yu posts of history and you simply just been blindly paying without ever doing a CCA request or getting any further advice.

 

you should never ever ever just blindly keep paying a debt to whomever you think you owe it too.

 

over the course of time, every debt is sold on to a dca and it's THEN you should immediately CCA them.

 

ok you've wasted money by being a nice compliant cash cow, running the statute barred date to infinity.

 

what you need to do now is comeout of the 2007 hide everything stance that was around then.

and tell us the full story on each debt.

what letters you've had 

when did you start paying

why you blindly paid and who old you too

have you moved

what letters you've had

 

list your debts and name names.

the era of hiding info went away years ago.

 

 

[Archangel9]

These are different debts.

Those are dead and buried.

I do need to send the statute barred letters on those old ones as I never did do it.

Like I said, I'll post these ones soon.

Edited February 14, 2023 by dx100uk
unnecessary previous post quote removed

[dx100uk]

if people are not chasing old debts let them die if activity is well outside 6yrs.

 

ok well tell us about these new debts then.

 

why are you after sending CCA?

what are the debts and history please

 

we are not mind readers as my last post obviously points too, we can only guess

 

tell us whats going on 

list your debts and their history in full

 

dx

 

[Archangel9]

As I already said, I'll post the details when I dig them up, they're piled up.

But one is threatening legal action, I got a text off a "solicitor" today, dunno if it's real or not, could be bullshit scare tactics, the number is coming back as a solicitors and cabot. And I already posted *what* they are.

[dx100uk]

just type no need to keep hitting quote.

 

until or unless you get a letter of claim in the POST.

 

ignore block bounce report as spam to 7726 txt msgs, all emails/txts.

 

if you have moved since you last paid or updated the OC then you need to WRITE and inform the debt owners of your new address to prevent backdoor ccj s 

but this might better be done by a CCa request.

 

we'll await the full details when you have them.

till then hold on any action.

never run from debt!

 

dx

 

 

 

[Archangel9]

Ok, so they passed it to opos, then sold it to cabot, I've dealt with them before and they didn't buy the rights to collect.

 

I did get a letter from their solicitors this week but cannot find it.

cag.pdf

 

Tried to edit, but can't...But the gist of their letter was to contact them within 7 days, so if I get the CCA sorted today, I can send it tomorrow special delivery to ensure signature and they will get it Friday.

[dx100uk]

Post Office and AA credit card accounts transferred to Jaja | Credit cards | The Guardian

 

have you moved since taking this card out and never informed the post office/jaja/opus/cabot?

 

dx

 

[Archangel9]

I have not moved yet, that is happening, just had some issues.

[dx100uk]

good 

so unless you've had a letter of claim in the post from a solicitor (probably mortimer, part of the cabot group) i would not be doing anything,

 

when did you take this card out?

when did you last pay/use the card?

 

dx

[Archangel9]

Took the card out over 2 years ago, not used it since 2021 I think.

 

Thing is, I am moving in the next couple of weeks.

Oh and cabot have put a default on my credit record, which I have emailed experian about, disputing it, but they've not put any notice on it saying so.

[dx100uk]

how much is the baL?

 

dx

 

 

 

 

[Archangel9]

Does that even matter? It's 4 digits.

[dx100uk]

very much.

they wont let go on £k's of debt.

and the fact its very very recent.

you wont have much to wriggle with if this does goto court.

 

it surprises me the oc sold a debt of that size and that age on so quick too.

 

what happened did you just decide one day to run up a balance and totally ignore them?

 

dx

 

[Archangel9]

As I said above, I have some issues that I don't want to go into here, but one was lost a job.

 

But, what about the CCA and whether they have the right to collect??

 

Last payment that i can see on the banking app is dec 2020.

 

and I've found the application (for the card) date, it was Dec 2018.

 

and I haven't ignored them, not purposefully anyway; I've been ill.

Edited February 15, 2023 by Archangel9

[dx100uk]

Pers I'd let it run .

They have your correct and current address and as soon as you've moved and settled update them 

 

They do have a right to collect through the agreement and t&C's you signed 

 

The CCA is a weapon to use if you ever get a letter of claim , but it won't be much use as it's 2018 and will be pretty guaranteed to be compliant and enforceable. 

 

You p'haps need to be proactive here as sure as eggs is eggs they will push this.

 

So the more info you can get the better prepared you can be 

 

Send jaja an SAR .

It might also be worthy to send the post office one 

 

Gather everything you can 

 

The default notice could help you to or lack of one!

 

 

[Archangel9]

Previously, the debts I had which were SAR'd, they returned stating they had not bought the right to collect.

 

Send the PO a SAR? What for?

 

[dx100uk]

i have already carefully explained your repeated questions above. and what to do read it carefullly

 

dx

 

[Archangel9]

You haven't, otherwise I wouldn't be asking.

 

You said "It might also be worthy to send the post office one," why would I send the PO one? That doesn't make sense to me.