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Cabot and CCA's

13

Comments

  • d0nnyoz
    d0nnyoz Posts: 115 Forumite
    Part of the Furniture 10 Posts Name Dropper
    Its all a bit odd actually.
    I also sent a letter to another DCA at the same time - Westcot. this debt has been passed around like a hot potato. It was with Robinson Way and before that Blair Oliver Scott.
    Thay have obviously passed the 12+2 date and I've not heard a peep! I sent them a cheque for £1 and they have only just cashed it, some 28 days after I sent the letter!
    I would like to think this is now completely forgotten about. What's the view?
  • RAS
    RAS Posts: 36,146 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    blair oliver Scott is the Bank of Scotland in-house collector (BOS).

    Was this a bank account or a credit card or loan?
    If you've have not made a mistake, you've made nothing
  • d0nnyoz
    d0nnyoz Posts: 115 Forumite
    Part of the Furniture 10 Posts Name Dropper
    It was a credit card. AS you may have guessed, this has been going on for a while.
    I have been paying some money towards it, but nothing regular or even uniform.
    I know this is not the attitude, but I'm fed up with the all thing. To me it seems as if these guys just go through the motions, and when you call their bluff, it usually works!
  • d0nnyoz
    d0nnyoz Posts: 115 Forumite
    Part of the Furniture 10 Posts Name Dropper
    Just a question on the 30 days rule. I've read here and elsewhere that this no longer applies as the rules/law was changed. Is this correct?
    If not, what happens after the 12+2 and then the 30 days?
    If so, what shall I do now with Cabot? They have not provided me with the agreement and my letter was dated 29th December. Should I contact them and be proactive or just let sleeping dogs lie?
  • d0nnyoz
    d0nnyoz Posts: 115 Forumite
    Part of the Furniture 10 Posts Name Dropper
    I've just got another letter from Cabot about my request under CCA>
    They state that "unfortunately Cabot has not been able to provide you with the requested information within the relevant time period." They go on to say that the "original lender has not yet been able to locate the relevant information from their archives." The even state that I am entitled to request the information from the original lender! Nice of them!
    My account still remains on hold until further notice.

    Then they say that although Cabot is dependent on the original lender for the information, the relevant time period has expired and that they will still continue to request the information from the original lender. Finally, they say they hope to obtain the information shortly.

    What's my next step?
  • RAS
    RAS Posts: 36,146 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Have you sent them the 12+2 day letter?
    If you've have not made a mistake, you've made nothing
  • d0nnyoz
    d0nnyoz Posts: 115 Forumite
    Part of the Furniture 10 Posts Name Dropper
    No. I was advised not to, amongst other things.
  • 10past6
    10past6 Posts: 4,962 Forumite
    d0nnyoz wrote: »
    No. I was advised not to, amongst other things.
    What did you send them in order to request your CCA? :confused:
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • d0nnyoz
    d0nnyoz Posts: 115 Forumite
    Part of the Furniture 10 Posts Name Dropper
    Oh, I sent the original request for my CCA, but I never followed it up with the second letter.
  • 10past6
    10past6 Posts: 4,962 Forumite
    d0nnyoz wrote: »
    Oh, I sent the original request for my CCA, but I never followed it up with the second letter.
    If the timescale has now expired for them to supply the information, they've now entered default.

    If it was me, I'd leave it as it is, they know they're in default, the onus is on them to provide the requested information.

    Legally, as they're now in default, you're under no obligation to pay them.
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
This discussion has been closed.
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