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Morning folks..
I have a question regarding a bank account that was sold on by Barclays around 2008-09 with a balance of £1300 ( all charges + Direct debits that were not cancelled when requested )
Currently with Cabot for the last year or so going back and forth waiting for paperwork , they keep saying they are waiting documentation from OC but this never appears.
I believe that Cabot have just bought the debt cheaply and they are so confused now as to my orignal requests they have forgotten what they are doing of course I am not going to say what I want just that I am awaiting paperwork as per there last letter. I have also told them account in dispute send back to OC.See below for action taken so far.
I know they have no leg to stand on otherwise I would have been in court by now.
My course of possible actions include :
Oh and I have an A4 folder full with these idiots letters claiming they are awaiting the original creditor despite the fact I called Barclays and they confirmed account shutdown with a zero balance years ago.
I have a question regarding a bank account that was sold on by Barclays around 2008-09 with a balance of £1300 ( all charges + Direct debits that were not cancelled when requested )
Currently with Cabot for the last year or so going back and forth waiting for paperwork , they keep saying they are waiting documentation from OC but this never appears.
I believe that Cabot have just bought the debt cheaply and they are so confused now as to my orignal requests they have forgotten what they are doing of course I am not going to say what I want just that I am awaiting paperwork as per there last letter. I have also told them account in dispute send back to OC.See below for action taken so far.
- I have send letters to Barclays claiming back charges of £2300 from six years back on this account but they refused.
- Took it to FOS but they could do nothing as the complaint had gone over six months when I submitted it.
- Barclays refer back to the original refusal letter so cant restart complaint for FOS again
- Found paperwork that this was sold to Wescott originally
- Cabot not provided NOA or proof that the debt is theirs.
- Cabot have placed a ref on my Credit file so now there are two entries for the same debt as one from Barclays.
- Last letter from Cabot 14th Jan 2012 stating they are still trying to get paperwork from original creditor and apologise for delay.
- Last letter today from Cabot saying they need an update within 14 days or will start collection again as I have not replied to their last letter (see above)
I know they have no leg to stand on otherwise I would have been in court by now.
My course of possible actions include :
- Sending a letter telling them to get stuffed
- Put it in dispute as no documentation and they are clutching at straws
- Put in dispute as it was orginally with Wescott
- Dispute with all the charges and send back to Original Creditor with Cabot putting balance as zero
- Refuse to deal with Cabot anymore and raise a complaint with FOS/FSA
Oh and I have an A4 folder full with these idiots letters claiming they are awaiting the original creditor despite the fact I called Barclays and they confirmed account shutdown with a zero balance years ago.
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