Help with Cabot

[Undercover Elsa]

Re: Help with Cabot

Was that last payment the last contractual payment, ie had you been paying the full monthly payments up to that point Beefy? If so the SB clock starts ticking the day after the first missed payment.
Can you remember when in 2007 it was taken out? Pre or post April?

[Deepie]

Re: Help with Cabot

I would send the letter before action, they are threatening action. Everything else that they sent is simply to frighten you into paying them. Why not send LBA and a fresh CCA request to stop them in their tracks?

That's what I do......

Good morning - Sorry I didn't get chance to get the information last night but I have it now.

It was originally a Vanquis credit card which started in 2007 and defaulted in February 2009. The default amount was £900 but that figure has now nearly doubled according to what Mortimer Clarke are saying. I sent a CCA request to Cabot last year and got the screen shot of the application, statements of account and terms and conditions which was enough for the to comply. I have never acknowledged the debt but did make a full and final offer around the same time along the lines of whilst I don't acknowledge the debt I want the matter resolved and and willing to pay xxx. They came back and wanted nearly the full amount so it sent no further.

All went quiet and Cabot then passed the debt to Marlin who have now instructed Mortimer Clarke.

Looking at the statements, payment was last made on 25/6/2008 and after that the only entries are interest, late payment charges, over limit charges and ROP payments which were totalling over £50 per month.

I am hoping I have just had a lightbulb moment - I was going by the default date as the SB date, but is it in fact the last actually payment date? If so, am I right in thinking this is SB on 25th of this month?

If so, what's the best course of action for me take? I can scan in further documents if needed.

Many thanks in advance,
Beefy

We need a drag this out for another 3 weeks or so......

[Beefy1976]

Re: Help with Cabot

Good morning - Sorry I didn't get chance to get the information last night but I have it now.

It was originally a Vanquis credit card which started in 2007 and defaulted in February 2009. The default amount was £900 but that figure has now nearly doubled according to what Mortimer Clarke are saying. I sent a CCA request to Cabot last year and got the screen shot of the application, statements of account and terms and conditions which was enough for the to comply. I have never acknowledged the debt but did make a full and final offer around the same time along the lines of whilst I don't acknowledge the debt I want the matter resolved and and willing to pay xxx. They came back and wanted nearly the full amount so it sent no further.

All went quiet and Cabot then passed the debt to Marlin who have now instructed Mortimer Clarke.

Looking at the statements, payment was last made on 25/6/2008 and after that the only entries are interest, late payment charges, over limit charges and ROP payments which were totalling over £50 per month.

I am hoping I have just had a lightbulb moment - I was going by the default date as the SB date, but is it in fact the last actually payment date? If so, am I right in thinking this is SB on 25th of this month?

If so, what's the best course of action for me take? I can scan in further documents if needed.

Many thanks in advance,
Beefy

[Undercover Elsa]

Re: Help with Cabot

Did you actually send a CCA Request before beefy? Hard to read through this thread
As Deepie says, before doing anything could you give us a quick summary including original company, date taken out, approx amount owing, date last paid etc and if/when CCA sent and what was response.
Am I right in thinking you sent a F&F offer and didn't get a response? Hope they lost that!!!!
Elsa x

[Enforcer]

Re: Help with Cabot

I would send the letter before action, they are threatening action. Everything else that they sent is simply to frighten you into paying them. Why not send LBA and a fresh CCA request to stop them in their tracks?

[Deepie]

Re: Help with Cabot

Would it be worth CCA'ing them first as they are a new company and this is the first correspondence?

Is it past that stage now do you think?

Thanks again,
Beefy

Could do with a bit of history on this account ....at work at the moment and don't have time to read back.......

[Beefy1976]

Re: Help with Cabot

Would it be worth CCA'ing them first as they are a new company and this is the first correspondence?

Is it past that stage now do you think?

Thanks again,
Beefy

[Deepie]

Re: Help with Cabot

Well it's got a bit more serious now...

I received the attached today after returning from being away. I think they mean business so really need some advice on how to play this one if anyone can help.

I am really worried about this now

http://s1243.photobucket.com/user/Beefy1976/library/

I have not been able to upload the letters as they are too big so I have linked to photobucket - I hope this is allowed and safe?

As I say, any help would be appreciated.

Beefy

I'd be looking at this if it were me.....
Letter before action letter

[Beefy1976]

Re: Help with Cabot

Well it's got a bit more serious now...

I received the attached today after returning from being away. I think they mean business so really need some advice on how to play this one if anyone can help.

I am really worried about this now



I have not been able to upload the letters as they are too big so I have linked to photobucket - I hope this is allowed and safe?

As I say, any help would be appreciated.

Beefy

Edit: Photobucket link removed. Letter uploaded as pdfs

[Beefy1976]

Re: Help with Cabot

Does anyone know?

[nightwatch]

Re: Help with Cabot

haven't got a clue Beefy, sorry,

[Beefy1976]

Re: Help with Cabot

Does anyone know how much it actually costs a DCA to obtain a CCJ and do they have any criteria based on the value of the debt?

[tierisch]

Re: Help with Cabot

That would be good but at the time she was paying one card with another and what was the joint account wasn't used. By then I had my own account and nothing came out of it. Hence bit of dilemma for me in knowing whether anything was paid etc. Don't want to alert the DCA hence have kept quiet and more so as the six years was up up last January. Thanks Tierisch ps not my thread so apols for asking questions here.

[cymruambyth]

Re: Help with Cabot

To check on payments could you access old bank statements? This would hopefully find information without directly altering the DCA of the need to act quick if near the 6 year mark.

[tierisch]

Re: Help with Cabot

As far as i can tell it was before the six years...but there is info missing. Essentially my ex ran up the debt whilst mentally ill and hid/destroyed letters etc (long story) so as far as i can tell no payments (or acknowledgement) so difficult whether to keep quiet and hope marlin bugger off because of SB or go for SAR which might alter them/crapbot...