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Advice Cabot/Resolvecall

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  • kyl86
    started a topic Advice Cabot/Resolvecall

    Advice Cabot/Resolvecall

    A credit card debt of mine was sold to Cabot in March 2016. I sent a CCA request shortly after and heard nothing back. I then received a letter from Lloyds in December 2018 saying they'd transferred the debt to Cabot (again?) and I received another letter from Cabot in that month wanting payment. I again sent a CCA request to Cabot in Feb 2019 and received a response saying they can't get the CCA and therefore the debt is unenforceable. However, I've received two or three letters since then saying they still want money and I've received another today advising they're instructing Resolvecall to visit my home.

    I noticed from another thread that there's a letter I can send to advise them not to have Resolvecall visit me, but I was also wondering if they're saying the debt is unenforceable, is there anyway of having it removed from my credit file or do I need to wait until March 2022 for this and endure (at least) a letter from them every month? I've tried to raise a dispute via totallymoney but it just got rejected.

  • The Tech Clerk
    replied
    Ľ
    Harassment & Threat of Doorstep-Visit if you do send keep copy on file and send Recorded Delivery

    Leave a comment:


  • The Tech Clerk
    replied
    Originally posted by kyl86 View Post
    A credit card debt of mine was sold to Cabot in March 2016. I sent a CCA request shortly after and heard nothing back. I then received a letter from Lloyds in December 2018 saying they'd transferred the debt to Cabot (again?) and I received another letter from Cabot in that month wanting payment. I again sent a CCA request to Cabot in Feb 2019 and received a response saying they can't get the CCA and therefore the debt is unenforceable. However, I've received two or three letters since then saying they still want money and I've received another today advising they're instructing Resolvecall to visit my home.

    I noticed from another thread that there's a letter I can send to advise them not to have Resolvecall visit me, but I was also wondering if they're saying the debt is unenforceable, is there anyway of having it removed from my credit file or do I need to wait until March 2022 for this and endure (at least) a letter from them every month? I've tried to raise a dispute via totallymoney but it just got rejected.
    there is a letter BUT it cannot guarantee no visit, if you get a visit from Resolve call tell them to go away, and they will, as it is usually just an agent (local) on commission, no power at all. an alleged debt may be unenforceable, but it would stay on file for 5 years Scotland or 6 Years England/wales. they usually send lot of letters for a while then usually stop until near end of the period towards falling off file, (we have all been there and some of us still are)

    so see what they send next and get the diary done/updated, and keep all letter on file for future reference if needed. read threads and you will see the unenforceable system basics which we try to stick to, unless of course a county court form (N1) arrives but prior to that a PAP stating action is intended to follow? etc but read threads and you will get confidence.

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  • Timewilltell
    replied
    The debt may be unenforceable but is still there, it will disappear from your credit file after 6 years, but it will still remain, you can not ask for it to be removed as you did default on a debt, it is possible that you will still receive letters relating to the debt after the 6 years, this may be from Cabot it may be from who the sell it too, there are cases Iíve read that even after a debt is proven unenforceable in court that it will be sold on and the process continues.

    However all the time it is unenforceable there is very little if anything Cabot or whoever can do to make you pay. But the debt is still there. Does it ever go away - Iíve no idea, does it really affect you moving - not that Iíve experienced.

    There may be a more experienced member who may be able to verify how it goes after a court case but at this time I canít having not seen the inside of a court room!

    Leave a comment:

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