Cabot referral to solicitor in 1m

[Yellow33]

Time for a CCA request? The thought of court terrifies me.

[Yellow33]

Type of account - credit card
Date commenced - 2009?
Approx balance - £13000
Date last paid - november 2017
Are you on arrangement or not paying - no arrangement, not paying
Account owner - cabot financial europe

13/5/22: letter from czbot, we will pass your case to our solicitors in 1 month.

20/5/22: letter from cabot, we will pass your case to our solicitor in 21 days

27/5/22: letter from cabot, we will pass your case to our solicitors is 14 days

3/6/22: letter from cabot, we will pass your case to our solicitors in 7 days.

6/22: DSAR received from virgin. No credit agreement. Letters advising missed payments, monthly statements and default notice only.

23/6/22: Letter from cabot,. We have tried to contact you to discuss your account... we are referring upur account to equivo solicitors scotland. They will want to speak to you within the next 7 days where they will review your situation and help arrange the most suitable solution based on your circumstances.

29/6/22 letter from equivo. We are a firm of solicitors and have been instructed to contact uouvto agree how the sum outstanding from you will be paid. Please call us ... may accept a lump sum or regular installments...

no deadline for contacting thrm and no mention of legal action.

10/7/22 letter from eqivio. We have wrote to you znd telephoned you but have been unable to make contact with you. We are keen to find a suitable solution....we may be able to accept a partial settlement etc etc.. if you do not contact us we may be instructed by our client to issue court proceedings against you wich will include z claim for costs .if a decree is obtained we may be instructed to enforce etc etc.

12/7/22 letter from equivo

Our client has advised us that you have not repaid the sums due in respect of the above account. Consequently your agreement with our client has been terminated, which means the balance outstanding as detailed above is due and our client now requires your proposals for payment.

Please therefore treat this letter as notice that, unless an arrangement is reached withing 14 days, we will instruct our partner solicitors, shoosmiths, to commence court proceedings against you for recovery of the sums outstanding. Please note that should you not respond, no further notification of the court proceedings will be given to you.

This means that shoesmiths may makmay application to the court to have a decree registered against you.....if a decree is obtained then shoesmiths may be instructed to enforce that decree which may include an application for an inhibition against you...

Rather than issue court proceedings our client would prefer to find a suitable solution.....

[Night Monkey]

patience is the word of the day.

Hard, I know. But true - I think it's something that everyone on the forum finds hard to cope with at first.

Keep the faith ...

[The Tech Clerk]

CCA request not necessary at this stage = timing is everything.

CCA request is a regulated agreement request ., a fee is paid of £1.00 to make it legal.

DSAR request is free and should contain all info they hold on you

no prove it letter on here = amaturish and show them lack of knowledge. patience is the word of the day.

[Yellow33]

Ok, I'm a Newby so not sure. Should I be doing a CCA request at this stage or anything else. What is the difference between a CCA request and the SDAR request I already received from virgin?

I guess the waiting and doing nothing is hard for me! Also can I read anything into them using equivo rather than their normal solicitors mortimer Clark?

[Still Waving]

Trying to frighten you with various things which MAY happen.

Side note - I don't think we routinely use Prove It letters here. (?)

[Yellow33]

Still sounds like threats, but I am wondering why cabot would use the third party if they did not intend to go to court? I assumd they would send an intention to pursue before going to court??? And IF I get an intention to pursue then that would be the time to do a prove it letter?

[Yellow33]

Type of account - credit card
Date commenced - 2009?
Approx balance - £13000
Date last paid - november 2017
Are you on arrangement or not paying - no arrangement, not paying
Account owner - cabot financial europe

13/5/22: letter from czbot, we will pass your case to our solicitors in 1 month.

20/5/22: letter from cabot, we will pass your case to our solicitor in 21 days

27/5/22: letter from cabot, we will pass your case to our solicitors is 14 days

3/6/22: letter from cabot, we will pass your case to our solicitors in 7 days.

6/22: DSAR received from virgin. No credit agreement. Letters advising missed payments, monthly statements and default notice only.

23/6/22: Letter from cabot,. We have tried to contact you to discuss your account... we are referring upur account to equivo solicitors scotland. They will want to speak to you within the next 7 days where they will review your situation and help arrange the most suitable solution based on your circumstances.

29/6/22 letter from equivo. We are a firm of solicitors and have been instructed to contact uouvto agree how the sum outstanding from you will be paid. Please call us ... may accept a lump sum or regular installments...

no deadline for contacting thrm and no mention of legal action.

10/7/22 letter from eqivio. We have wrote to you znd telephoned you but have been unable to make contact with you. We are keen to find a suitable solution....we may be able to accept a partial settlement etc etc.. if you do not contact us we may be instructed by our client to issue court proceedings against you wich will include z claim for costs .if a decree is obtained we may be instructed to enforce etc etc.

[Timewilltell]

Leave them to it, they’ll write if they have anything meaningful to say, or perhaps not because they know they can’t ???

[Yellow33]

Type of account - credit card Date commenced - 2009? Approx balance - £13000 Date last paid - november 2017 Are you on arrangement or not paying - no arrangement, not paying Account owner - cabot financial europe

13/5/22: letter from cabot, we will pass your case to our solicitors in 1 month. We will take you to court etc

20/5/22: letter from cabot, we will pass your case to our solicitor in 21 days

27/5/22: letter from cabot, we will pass your case to our solicitors is 14 days

3/6/22: letter from cabot, we will pass your case to our solicitors in 7 days.

6/22: DSAR received from virgin. No credit agreement. Letters advising missed payments, monthly statements and default notice only.

23/6/22: Letter from cabot,. We have tried to contact you to discuss your account... we are referring upur account to equivo solicitors scotland. They will want to speak to you within the next 7 days where they will review your situation and help arrange the most suitable solution based on your circumstances.

29/6/22 letter from equivo. We are a firm of solicitors and have been instructed to contact uouvto agree how the sum outstanding from you will be paid. Please call us ... may accept a lump sum or regular installments... no deadline for contacting thrm and no mention of legal action.

7/7 text from equivo, please contact us to discuss our recent letter

[Yellow33]

Thank you

[Timewilltell]

They too by their letter are chancers hoping the fact it says Solicitors will frighten you too pay, as said file and wait remain quiet.

[Still Waving]

File and await their next move.

[Yellow33]

Type of account - credit card
Date commenced - 2009?
Approx balance - £13000
Date last paid - november 2017
Are you on arrangement or not paying - no arrangement, not paying
Account owner - cabot financial europe

13/5/22: letter from czbot, we will pass your case to our solicitors in 1 month.

20/5/22: letter from cabot, we will pass your case to our solicitor in 21 days

27/5/22: letter from cabot, we will pass your case to our solicitors is 14 days

3/6/22: letter from cabot, we will pass your case to our solicitors in 7 days.

6/22: DSAR received from virgin. No credit agreement. Letters advising missed payments, monthly statements and default notice only.

23/6/22: Letter from cabot,. We have tried to contact you to discuss your account... we are referring upur account to equivo solicitors scotland. They will want to speak to you within the next 7 days where they will review your situation and help arrange the most suitable solution based on your circumstances.

29/6/22 letter from equivo. We are a firm of solicitors and have been instructed to contact uouvto agree how the sum outstanding from you will be paid. Please call us ... may accept a lump sum or regular installments...

no deadline for contacting thrm and no mention of legal action.

[Still Waving]

The other letters from cabot said they would commence legal action through their solicitors, I forget their name. This one said they will contact me to discuss solutions. I think this looks like they have sold the debt to them, rather than a solicitor working on their behalf?

In your earlier post you said they wrote "referring" to equivos. That doesn't sound like selling. In any case, I would sit tight and see what comes next.