CCA before ful & final settlements

bluemonday3

Good morning, as advised I have written to my creditors asking for CCA's prior to offering full & final settlements.
Cabot Financial have responded by saying that I requested this information in 2013 and have just sent a copy of the letter they sent me then and they say they can enforce the debt.
Am I to accept this and just put in my offer? the debt outstanding relatively small now, being £201.
I feel kind of nervous of the process so any advice would be greatly appreciated.

sourcrates

bluemonday3 wrote: »

Good morning, as advised I have written to my creditors asking for CCA's prior to offering full & final settlements.
Cabot Financial have responded by saying that I requested this information in 2013 and have just sent a copy of the letter they sent me then and they say they can enforce the debt.
Am I to accept this and just put in my offer? the debt outstanding relatively small now, being £201.
I feel kind of nervous of the process so any advice would be greatly appreciated.

Hi,

Don`t feel nervous, what is it you think Cabot can do ?

Makes no difference how many times you request information from a creditor, they have a duty to respond, as long as a balance is still outstanding on the account.

So Cabot have now shot themselves in the foot, you made a request for information under sec 77/79 consumer credit act 1978 and they have said no basically, they have inadvertently made your debt with them unenforceable now until they do comply.

Congratulations, your debt of £201 to Cabot is now unenforceable in court.

Edit......also posted on your other thread.