Cabot referral to solicitor in 1m

[Yellow33]

Todays letter

[Timewilltell]

Just hang on in there, it will get better.

[Yellow33]

Thank you....yes I am blocking every one. They have quite a few different numbers! I know their game! I will update you once I have the data request or any further communication. I really appreciate the advice and support.

[Still Waving]

Definitely virgin as I recall... I will do the data request and let you know how I get on. Interestingly cabot have been calling and texting every day since I got their letter - very stressful!

Can you not block their numbers?

Try not to get stressed, they are clearly trying to bully you into acknowledging the debt. DON'T pick up their calls. It's almost as if they know time is nearly up, and they blitzing you to try to restart the clock. Don't fall for it.

[Yellow33]

Definitely virgin as I recall... I will do the data request and let you know how I get on. Interestingly cabot have been calling and texting every day since I got their letter - very stressful!

[julian]

Is it a Virgin or MBNA credit card? At that time many Virgin branded cards were issued by MBNA.

[Roger]

DSAR... would that be a request to virgin on what information they hold? I have no paperwork.

Yes my thinking is this! If you are this close to Statute Bar it is permissible for Cabot to issue a Claim without a Letter Before Claim (LBC) to stop Statute Bar in August!
So a DSAR starts to fill in the missing paperwork doesn't it! Knowledge and a good Diary leads to good decisions! When these DCA's purchase a debt they have little or no paperwork! So they can only use or work with what Virgin Have on record!!!

There is no fee for this!

Send Virgin a DSAR request
Just a request! Tell them nothing! You want SNail Mail response NOT Email
Data Subject Access Request (DSAR) | Credit Reference File
use this one keep proof posting also keep copies of everything. and update on here.

[The Tech Clerk]

they are th originator who hold such.

[Yellow33]

DSAR... would that be a request to virgin on what information they hold? I have no paperwork.

[Roger]

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

Thank you thats a good starting point
At some point a DSAR to Virgin might be useful to confirm whom was assigned the debt and when! Also this issue over whether Scottish or English Law might apply! Also when and or if a Default Notice was issued and when! Default Notices again a recent CASE are a determinant of the Statue Bar clock!

Back ground work here and filling in details will help you and AAD

[Yellow33]

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

[Yellow33]

Sorry, yes I will update with diary content as suggested. I lived in Scotland at the time of taking out the credit card and have continuously.

[Still Waving]

My case relates to virgin credit card who sold my debt yo cabot financialveutope in 2019, only just started writing to me this year, threatening to pass to their solicitors next month, 11 june. I gave not acknowledged the debt or paid anything since approximately August 2017.

Hi

Can you set this out in the diary format, as requested above, itemising all correspondence received (and any sent), with approx dates and gist of the content of each letter - eg "Please get in touch to arrange repayment schedule".

This helps the forum when it comes to making suggestions as to how to deal with the situation. The less information you provide, the more difficult to advise.

And to clarify - do you live in Scotland, and were you living in Scotland when you opened the CC account?

[Yellow33]

Hi, I am wondering why the case referred to would not be covered by Scottish law. Was the person perhaps an English resident when the debt was taken, or specific to England like council tax? It would be interesting to get more info on this case.

My case relates to virgin credit card who sold my debt yo cabot financialveutope in 2019, only just started writing to me this year, threatening to pass to their solicitors next month, 11 june. I gave not acknowledged the debt or paid anything since approximately August 2017.

[stuckinarut]

Hi, I hope someone can assist me with some advice.

I have An old virgin credit card debt which has been bought by cabot. It will be time barred in August (5 years in Scotland). I am wondering what to do? How likley is it that cabot will pass to a solicitor. My intention is to wait until I get a solicitor letter then request details of the credit agreement etc in the hope that they are missing some information or they rake so long I then goes over the 5 years.

Any advice would be appreciated

Hi yellow33
Am pretty sure there was a case in GLASGOW SHERRIF COURT quite recently, however although the person lived in Scotland, his credit agreement was covered by English Law, 5 years only applies if it is covered by Scottish Law, So his agreement was not statute barred