CABOT

[Cord]

Hi
The debt was opened in 2002

[Joanna Connolly]

Was the debt a loan or credit card? If it was a loan how long was it spread over?

[Cord]

Hi Joanna
it was a credit card.

[Joanna Connolly Solicitors]

it was a credit card.

You've sent a s77-79 CCA Request with the £1 statutory fee which has been acknowledged by Mortimer Clarke Solicitors who’ve told you the account is now on hold.

What is the date on their Letter of Claim so you can keep an eye on the ‘expiry date’ just in case?

In the meantime I suggest you send a Subject Access Request to Intelligent Finance (address details are on their website) to see what data they have on your account, because if the necessary information is not held by the original creditor then Cabot won’t be able to get it either.

Di

[Cord]

Hi
The date will keep an eye on it.

[Joanna Connolly Solicitors]

I will send the request. The problem is that intelligent finance now only deal with mortgages and stopped credit cards back in March 2013. . . . . .

Please advise who do I send the subject access request to?

If you click on "How to get a copy of your personal information" in this link you'll see the address to write to etc > https://www.if.com/privacy/default.aspx#11

They say they can send it in digital format so that's helpful.

Di

[Cord]

I have the following template


Dear Sir/Madam


Account No:

Please send me the information which I am entitled to under the Data Protection Act 2018.

I would particularly like you to provide information about the following items.



If you need further information from me, please let me know as soon as possible.

I understand that you should provide the information I have asked for without undue delay and at the latest within one month of receiving this letter.

I look forward to hearing from you.

[Cord]

What do I put after
‘I would particularly like you to provide information about the following items’

[Joanna Connolly Solicitors]

If you click on "How to get a copy of your personal information" in this link you'll see the address to write to etc > https://www.if.com/privacy/default.aspx#11

They say they can send it in digital format so that's helpful.

Di

I should add it's possible that Intelligent Finance no longer hold any data on you since the credit card business was subsequently sold to Halifax BOS.

So it may make sense to send a SAR to both IF and BOS - there's no fee to pay.

What you'll be hoping is that documents may have got mislaid in transition.

Di

[Cord]

Hi
Thanks. Do I need to ask them for anything specific or just all the information they hold on me?

[Joanna Connolly Solicitors]

Do I need to ask them for anything specific or just all the information they hold on me?

I would ask both of them for everything, then there can be no excuse for withholding anything.

Have you kept any information of your own over the years?

Di

[Cord]

Hi
I have a folder with lots of letters

[Cord]

many thanks

[Joanna Connolly Solicitors]

I also have a debt with MBNA from around the same time. I offered them final settlement offers back in 2011 and again in 2012. I sent a CCA request back in 2012 to and they stated they had referred it back to the original creditor. I stopped paying them in 2013 and have not contacted them. They have sent me letters though.

Maybe it would help you to start a Diary of your own where you can list all the debts you’ve been struggling with over the years, and then forum members can make suggestions on how to manage each one of them.

Which debt purchaser bought your old MBNA credit card - was it PRA?

Who owns the debt now because you say “they” referred it back to MBNA after you sent them a CCA Request in 2012?

Di

[Cord]

Hi.
i originally had 5