My Diary

[ca71]

Letter from Cabot re: Debt number 2 and a referral to Mortimer Clarke Solicitors. Filed.

[Roger]

Assigned to PRA Group in 2017.

I only asked because PRA had issues in earlier years.
Frankly it seems odd to send a Assignment Notice that refers to an earlier Date and 5 years late!
For this reason I should keep that letter safe.

[ca71]

Assigned to who exactly?
How many years earlier?

Assigned to PRA Group in 2017.

[Roger]

Had contact from PRA at my new address. Included was a sheet (dated this month) headed 'Notice of Assignment' which states the account was assigned to them a number of years earlier. Also, included was a 1 pager called the Fair Processing Notice which PRA state they are obliged to send to me under the Data Protection Act 2018.

Duly filed - I await further contact.

Assigned to who exactly?
How many years earlier?

[ca71]

Had contact from PRA at my new address. Included was a sheet (dated this month) headed 'Notice of Assignment' which states the account was assigned to them a number of years earlier. Also, included was a 1 pager called the Fair Processing Notice which PRA state they are obliged to send to me under the Data Protection Act 2018.

Duly filed - I await further contact.

[Roger]

Earlier this year, I got married and changed my surname. I also put a Royalmail redirection in place. A few weeks later I got a letter through from Cabot regarding Debt #2. They had discovered my new address (presumably through my credit file).

My latest credit report shows that shortly there will be 2 updates to it - 1 to remove Debt 2 and 1 to add Debt 2. (I'm assuming due to change of name or address)

My question is - this default is due to drop off my credit report in Q2 2023 (6 years since default) - Will the above 2 changes affect this 'drop off' at all?

MTIA

No the CRA is for 6 years thats it!
But update your Diary to show that CABOT now know your NEW Address. Don't want a sneaky CCJ by their sending to the Old Address!
Don't contact them BUT watch your back!

[ca71]

Earlier this year, I got married and changed my surname. I also put a Royalmail redirection in place. A few weeks later I got a letter through from Cabot regarding Debt #2. They had discovered my new address (presumably through my credit file).

My latest credit report shows that shortly there will be 2 updates to it - 1 to remove Debt 2 and 1 to add Debt 2. (I'm assuming due to change of name or address)

My question is - this default is due to drop off my credit report in Q2 2023 (6 years since default) - Will the above 2 changes affect this 'drop off' at all?

MTIA

[Still Waving]

I'm inclined to agree with The Tech Clerk. I think I would send the harassment letter with the first sentence amended to reflect their threat of phone calls, SMS etc. If they ignore that, they immediately put themselves in the wrong.

It's good to ignore them, but it's even better to put them in the wrong.

[nightwatch]

I would just wait and see what happens next

[The Tech Clerk]

Debt 3

A letter from Cabot (first in 8 months) stating that as I have failed to respond to their attempts to make contact, that I have 9 days to respond or they will increase contact frequency of contact (more by phone, email, SMS and letter).

probably another template from drawer NO 4. Threatograms section.

[The Tech Clerk]

Harassment by Telephone send and get free proof of posting keep copy of all on file date order

[ca71]

Debt 3

A letter from Cabot (first in 8 months) stating that as I have failed to respond to their attempts to make contact, that I have 9 days to respond or they will increase contact frequency of contact (more by phone, email, SMS and letter).

[ca71]

Just checked and it looks like I can setup a Royalmail redirection for a maximum of 4 years.

[Still Waving]

Hi

When I moved I kept the RM Redirection going for several years. It costs, but prevents any sneaky Court action going un-noticed. Some creditors picked up my new address all by themselves, others didn't. How long will your redirection be?

Advising them, absent any letter from them, is kinda like inviting them to write to you. If you do decide to write, you need to include phrases like "..... alleged debt, which I do not acknowledge ...".

You could perhaps wait for their next letter, and when replying include that it was sent to your old address.

[ca71]

Hi All - 2022 will bring a change of name and address for me - I'll put a Royalmail diversion in place from my current address to the new address. Would it be prudent to inform PRA/Cabot of my new name and address?