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Cabot and Marlin
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Is now the time to send Cabot a CCA request?
Could i also send them a SAR as if Marlin are part of the same group then i may be able to get the letter that way.
TBh i would like to just agree a full and final and get it paid.
Yes, now seems a good time to send a s 77-79 CCA Request to Cabot.
When Mortimer Clarke write to you (which they should) you can respond with a copy of your CCA Request to Cabot letting them (MC) know the current situation especially if Cabot can't comply.
If Cabot cannot comply with your request within the statutory time-frame then the debt becomes unenforceable in court until or unless they do comply.
If nothing else that would place you in a better bargaining position if you want to settle.
In my experience when Cabot cannot comply with a CCA Request they tend to write back and tell you that they can't comply (yet) and put the account on hold.
I would also send a Subject Access Request to Cabot to see what that reveals about the offer from Marlin which you accepted and paid.
Di0 -
thank you, i will get that out today.
I would still like to settle really just to get rid of it once and for all so is it worth offering a full and final and what % should i start at?
thanks0 -
thank you, i will get that out today.
I would still like to settle really just to get rid of it once and for all so is it worth offering a full and final and what % should i start at?
thanks
CCA request first step, wait and see what the response is.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
I have now received a letter from Mortimer clarke and this gives me the option on there to request further details like the credit agreement, so i have sent this back as well as the SAR and CCA request that have already gone out
They also enclosed a statement of account which confirms the payment in December 2014 so i just need to argue that i paid it under full and final
Am i ok to put the credit agreement on here to be checked if they send one back?0 -
just wanted to update here
Cabot have today informed me that due to the settlement payment payment in 2014 they are now closing my account. Such a relief for me0
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