Dca requesting money despite being in default of cca request

TheDebtinator

Cabot have sent me a letter asking me to pay my debt despite not responding to my cca request.

What is the best way to respond please?

Thanks.

sourcrates

Hi,

It's not up to you to do anything, they are in default of your CCA request, as such the debt is currently unenforcable until such time as they do respond.

If you really felt compelled to respond to them, write and remind them of there obligations under your sec 77/79 request.

TheDebtinator

Thanks Sourcrates. It came a little out of the blue considering they never responded to me regarding my original CCA request. Considering I am going to likely have to report them / NRAM to the FO regarding the double default on the same debt, I think they're being a little cheeky.

sourcrates

The letter is more than likley automated, they send different versions of the same threatogram at different stages of collection.

TheDebtinator

I will consider it ignored for now!

Quick Question - If I never pay my two outstanding debts, will I need to declare these when applying for a mortgage once the defaults have dropped off my file?

Thanks again.

National_Debtline

Hi

You wouldn't be obliged to declare that you have old outstanding debts unless specifically asked on a mortgage application. It's unlikely a mortgage lender would ask about old debts though, it's normally just questions about past insolvency as far as I'm aware.

James
@natdebtline

TheDebtinator

Thanks James