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Cabot/Capital One credit card threatening court action


ceeferace
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Hello 

I have an old Capital One account and have been paying monthly to Cabot/Resolvecall.

I received a letter in November 2023 stating that Cabot are taking over the account and since then letters have become increasingly threatening. 

I have logged in to my account and I have made monthly payments until March 2023 according to their statements.

I have not cancelled any payments since then so am not sure

1) how Cabot have taken over an existing account

2) why payments are no longer being credited. 

Do Cabot trade under any different names?

They are threatening a CCJ, rather than call them I am thinking I need to do a CCA first?

 

Thanks 

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why have you been blindly paying a dca for how long? since you received their notice of assignment that cap1 sold the debt to them.... running the statute barred date to infinity?

3 hours ago, ceeferace said:

I have logged in to my account

who's website?

3 hours ago, ceeferace said:

old Capital One account and have been paying monthly to Cabot/Resolvecall.

so who have you actually been paying?

:crazy:

dx

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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Hello

We had a DMP, the company went under and we had a lot to sort out.

We were advised to offer and pay a nominal amount, which we did and have tackled any that came up over the years.

In short, we were young, in a mess and had bad advice.

There are a couple more that I need to look at too. 

I have logged in to Cabot using the details on the letter they sent.

I think I have been paying Marlin.

Payment is now cancelled and I have a CCA ready to post. 

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oh god you didn't get scammed into using a fee taking DMP company...you do realise 90% of what you paid went to their fees for management and very little off the actually debts.... and they you blindly started one yourself...:noidea: very bad old advice yes.

dont bother with the CCA request until/unless you ever get a letter of claim.

and if you are blindly paying any other DCA's like a nice compliant cash cow...stop them NOW!

dx

 

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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