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  • This is a different post - not a duplication
    • Type of account Natwest
    • Date commenced 2013
    • Approx balance 4000
    • Date last paid Feb 2016
    • Are you on arrangement or not paying?
    • Status Defaulted Sep 2014
    • Account owner Cabot Financial (Uk) Ltd

    First form of any communication for years from Natwest. I am relieved that it is finally being sold.

    Received letter in same envelope advising that debt has been sold to Cabot Financial UK Ltd. The letter makes it very clear that Cabot UK are the legal owners.

    Just sit and wait I guess...


    Comment


    • Originally posted by Strepsi View Post

      HAPPY NEW YEAR

      I have replied to MCS ticking box D, think I got the form back to them just in time.

      I have also sent a CCA (SWID) to Cabot.

      There response

      "Thank you for your request for information under sections 77-79 CCA. Unfortunately we do not have the relevant information on file, so we will be requesting a copy of the credit agreement and terms and conditions from your lender, as well as a statement of your account. This may take some time, but we will write to you within the next 12 days with an update...

      I have also sent a SAR to Halifax at the same time, there response.

      "Thank you for your request for personal data we hold for you. We have not been able to process your request because your signature was missing from the request letter...
      we need your signature in order to process your request. For your security and so that we can confirm your identity, would you please take your current passport or driving licence and a copy of this letter into a branch and they will be happy to take copies and certify them for you.

      Please send the certified documents to the above address..."
      Update to post 551

      Received documents from Cabot in regards my CCA, didn't take that long. It looks different to what I received from the OC earlier in this journey. Also something that I noticed within documents that Colin (JC) alluded to in conversation.

      Comment


        • Type of account TSB
        • Date commenced 2005
        • Approx balance 4000
        • Date last paid Feb 2016
        • Are you on arrangement or not paying?
        • Status Defaulted September 2014
        • Account owner Arrow
        Just received letter from TSB/Arrow advising the debt is now owned by Arrow.

        At the moment I haven't received CCA that was request in the first part of 2016. I have both letter and proof of delivery saved on my desktop.

        I have loads of requests for payment from Moorcroft.

        Comment


        • Originally posted by Strepsi View Post
          This is a different post - not a duplication
          • Type of account Natwest
          • Date commenced 2013
          • Approx balance 4000
          • Date last paid Feb 2016
          • Are you on arrangement or not paying?
          • Status Defaulted Sep 2014
          • Account owner Cabot Financial (Uk) Ltd

          First form of any communication for years from Natwest. I am relieved that it is finally being sold.

          Received letter in same envelope advising that debt has been sold to Cabot Financial UK Ltd. The letter makes it very clear that Cabot UK are the legal owners.

          Just sit and wait I guess...

          sit and rejoice for this Cabot has no legal licence so JC and team will wipe the floor with them.

          as for other which Arrow own it? As one of them have same issue as Cabot Uk.

          Comment


          • Originally posted by Timewilltell View Post

            sit and rejoice for this Cabot has no legal licence so JC and team will wipe the floor with them.

            as for other which Arrow own it? As one of them have same issue as Cabot Uk.
            Which Arrow has same issue as Cabot, interesting as I have a few of them?!

            Comment


            • https://register.fca.org.uk/shpo_searchresultspage?

              Comment


              • Originally posted by Strepsi View Post

                Which Arrow has same issue

                Arrow Global (Guernsey) Ltd may have jurisdiction issues, which is a different legal argument.

                Di
                Legal Disclaimer

                I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

                Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                Comment

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