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  • #91
    Re: Help with Cabot

    haven't got a clue Beefy, sorry,
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #92
      Re: Help with Cabot

      Does anyone know?

      Comment

      • #93
        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
        Attached Files
        Last edited by Undercover Elsa; 5 June 2014, 06:47.

        Comment

        • #94
          Re: Help with Cabot

          Originally posted by Beefy1976 View Post
          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
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment

          • #95
            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

            Comment

            • #96
              Re: Help with Cabot

              Originally posted by Beefy1976 View Post
              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.......
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment

              • #97
                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?

                Comment

                • #98
                  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

                  Comment

                  • #99
                    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

                    Comment

                    • #100
                      Re: Help with Cabot

                      Originally posted by Enforcer View Post
                      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......


                      Originally posted by Beefy1976 View Post
                      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......
                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #101
                        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?

                        Comment

                        • #102
                          Re: Help with Cabot

                          Hi,I had been paying the minimum payment up until I stopped. It was taken out post April 2007.

                          Comment

                          • #103
                            Re: Help with Cabot

                            Sorry for the blunt previous reply - I was using my phone to post.

                            I had been paying sometimes more than the minimum payment but the last few payments were minimum payments. The card was taken out after April 2007 so I guess the best plan is to try and keep them from starting legal proceedings before the SB date which is so close now...

                            This is my only debt and I really don't want to fall foul at the 11th hour so to speak.

                            Thanks for all your help so far and your future advice

                            Comment

                            • #104
                              Re: Help with Cabot

                              No probs Beefy
                              Yep so the SB clock would have started the day after your first missed payment then.

                              Comment

                              • #105
                                Re: Help with Cabot

                                OK just read back, that means in your case 27th July.
                                Time to send another CCA Request and the LBA response as suggested earlier methinks.

                                Comment

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