Cabot CCA Response

Gowja87

Hello all,

Sorry is this is in the wrong place.

I woke up to my debt situation after being mad eunemployed this year and decided to CCA my debts and pursue my Loan PPI repayments (surprise surprie they won't pay out even though i'm unemployed...).

This morning I received a letter from Cabot folllowing from my CCA request saying;

"We write further to your equest for information under sections 77 and/or 78 of the Consumer Credit Act 1974.

Although Cabot has requested the information, the original lender is experiencing a delay retrieving the information from its archives. Althouhg Cabot has not been able to provide you with the informaiton within the prescribed period, we would still advise that your debt remains legally due.

We are still able to update the Credit Reference Bureaux regarding the status of your debt and we would recommend you continue your repayment plan with us or altenratively you contact us to make payments towards your account is you do not have a repayment plan arranged.

Thank you for your co-operation and patience in this matter."

Is this typical avoidance as in "We can't get it, but we're not admitting it" or does it mean I could get a further letter in a week or two? I guess I'm asking...What's my next step?

Again sorry if I posted in the wrong place :-)

Gowja87

Sorry folk I was unaware MSE frowns on Unenforcable pep talk. In my defense I should point out this debt from Cabot is for Hitachi Nova, a group i've never heard of before.

The PPI mentioned is an entirely seperate issue, i'm not trying to avoid paying money I owe!!!!!

fermi

Gowja87 wrote: »

Is this typical avoidance as in "We can't get it, but we're not admitting it" or does it mean I could get a further letter in a week or two? I guess I'm asking...What's my next step?

Could be either really?

Hard to second guess what paperwork might turn up.

Wait to see what happens, or write reminding them that they are in default of the request.

They can still default the account and ask for payment in the meantime though.