My Diary

[Roger]

If/when the LBC drops, I'll be getting JCS on the case.

A few years ago AAD would say ask for this and that with the LBC.
But the DCA's used the LBC to get their ducks in a row and then come back and SUE!

Tactics as well as Law play their part here. Hence a good Diary is important for good decisions.
JCS are at the top of their game!!

[ca71]

If/when the LBC drops, I'll be getting JCS on the case.

[Pat]

I suspect they will never be able to come up with your CCA. This happened to me after sale to Cabot- even though Natwest had provided a totally compliant S78 response. Might well be something in the assignment but that is just a guess.

For me , they called me and I said they had not complied, they closed both accounts thee and then - but I am not saying that is what you should do, especially as it is for a large amount.

[The Tech Clerk]

Not real one just freigtener before 5 page official letter before claim

[ca71]

is this an actual LBC, is it just a one page letter or are there other pages with tick boxes A-onwards?

Just a one pager.

[ca71]

No response ever to your CCA request?

Nope.

[nightwatch]

Letter from MCS re: Debt 2- I have 26 days to respond else court action will commence.

is this an actual LBC, is it just a one page letter or are there other pages with tick boxes A-onwards?

[Still Waving]

Letter from MCS re: Debt 2- I have 26 days to respond else court action will commence.

No response ever to your CCA request?

[ca71]

Letter from MCS re: Debt 2- I have 26 days to respond else court action will commence.

[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!