Cabot referral to solicitor in 1m

[Yellow33]

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?

[Still Waving]

Bullying tactics, sending a countdown letter every 7 days.

What they haven't said is that equivos may commence legal action.

[Yellow33]

Looking at equivos website, they look like another debt collector to me! I wonder why they didn't pass to cabots lawyers as suggested? So again I wait and see what happens. I expect equivos will start yo send me begging letters. Anyone have any experience with them?

[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.

[Timewilltell]

Ah! watch it - I was a tallyman once in 1969.

It wasn’t the sixties ones that you had too watch!!

[The Tech Clerk]

Court papers will come via post.
perhaps he was a throw back to the 70’s as in a doorstep seller?

Ah! watch it - I was a tallyman once in 1969.

[Timewilltell]

Court papers will come via post.
perhaps he was a throw back to the 70’s as in a doorstep seller?

[The Tech Clerk]

if in then they state resolve call or other (if debt collectors) no powers., give card shut door end of:-

[Yellow33]

Edit - my spelling is not this bad, I struggle typing on my phone!!

[Yellow33]

Hi - advice on how to deal with debt collectors calling at your home required. I had a strange guy tuna up when I was out, seen on my ring doorbell, no name badge but nocked for ages and had a bag. I have had resolveacall come before and they wore a badge and left a card. I am guessing he will come back tomorrow. Also wondering if it could be court papers or this would ve be post??

[The Tech Clerk]

do not get into letter ping pong with them, keep a diary update and others will advise next move

[Yellow33]

No I haven't done a CCA request. Only the DSAR because I wanted to know if statute barred and what info they hold. Now I wait. I guess my next move would be a prove it letter if and when their solicitor advise they are about to take action.

[Roger]

Hi, I have received my data request today. I will get the diary done this week but wanted to post. They have sent me all correspondence including monthly statements and default notices. They caution on the attached letter that they nay not have everything and they have sent me all they have. No credit card application form or credit agreement contained, nothing with my signature electronic or otherwise- I assume this is good news? Last payment to account or communication from me was Nov 2017. 5 years to statute barred in Scotland so this is also good to know. Still no correspondence from cabot solicitors.

did you send seperate CCA1974 request with it incl a £1.00 postal order? if not do not send yet unless advised to on here keep diary up to date

Completely Agree with The Tech Clerk


I remind ".. When Debts are sold the DCA is given minimal information. This means that Cabot are limited to whatever is in the DSAR! .."

Now this is really useful!
".. They caution on the attached letter that they nay not have everything and they have sent me all they have .."

[The Tech Clerk]

did you send seperate CCA1974 request with it incl a £1.00 postal order? if not do not send yet unless advised to on here keep diary up to date

[Yellow33]

Hi, I have received my data request today. I will get the diary done this week but wanted to post. They have sent me all correspondence including monthly statements and default notices. They caution on the attached letter that they nay not have everything and they have sent me all they have. No credit card application form or credit agreement contained, nothing with my signature electronic or otherwise- I assume this is good news? Last payment to account or communication from me was Nov 2017. 5 years to statute barred in Scotland so this is also good to know. Still no correspondence from cabot solicitors.