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Cabot Logic
Comments
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JayMawds82 wrote: »If it was me I'd have a DD set up for the £1 per month and forget about it. It'll be off your credit file in a few years.
It already is.0 -
No not as an individual crime. Yes as part of a bigger picture as part of the investigation. If I had £2.8k I would pay it off in a heartbeat to get rid of the past and shut the door. Now it is forever lingering on my monthly statement. Cabot doesn't care, I don't meet the mental health criteria any longer. I did when I was too ill to deal with the issue.AlwaysOnTheGo ~ Debt Free Wannabe no 537 Motto: This Too Shall Pass Repayment Mortgage £152k Cabot £5.8k at £1 pcm[/B] Every day I wake up happy to be over the darkest days of financial gloom New Debt the remortgage at 2.27% until 11/20270
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CCA request is the way to go as already suggested by Fatbelly, if they can’t provide what they are supposed to, the debt is unenforceable.
Send the letter.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 -
That £1 a month offer sounds pretty good to me. Try to move your mind away from the idea it's keeping you prisoner; paying that low and not more should be liberating.0
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AlwaysOnTheGo wrote: »No not as an individual crime. Yes as part of a bigger picture as part of the investigation. If I had £2.8k I would pay it off in a heartbeat to get rid of the past and shut the door. Now it is forever lingering on my monthly statement. Cabot doesn't care, I don't meet the mental health criteria any longer. I did when I was too ill to deal with the issue.
Then I'm not sure why you let Cabot walk all over you then.
With a Crime Reference Number I'd be giving Cabot the middle finger.
If I still had that number I'd probably still give them the middle finger but that's me.0 -
That £1 a month offer sounds pretty good to me. Try to move your mind away from the idea it's keeping you prisoner; paying that low and not more should be liberating.
Yes, this is the mindset I need to move to.
I did a CCA request two years ago. I have a copy of the original agreement signed (not by me, but a reasonable likeness of my sig). My surname is spelt incorrectly. The first charge on the card was a £6.3k balance transfer from a Morgan Stanley card. No, I've never had a Morgan Stanley card before I am asked. Then a few payments and lots of late chargesAlwaysOnTheGo ~ Debt Free Wannabe no 537 Motto: This Too Shall Pass Repayment Mortgage £152k Cabot £5.8k at £1 pcm[/B] Every day I wake up happy to be over the darkest days of financial gloom New Debt the remortgage at 2.27% until 11/20270 -
AlwaysOnTheGo wrote: »Yes, this is the mindset I need to move to.
I did a CCA request two years ago. I have a copy of the original agreement signed (not by me, but a reasonable likeness of my sig). My surname is spelt incorrectly. The first charge on the card was a £6.3k balance transfer from a Morgan Stanley card. No, I've never had a Morgan Stanley card before I am asked. Then a few payments and lots of late charges
Then you need to dispute it, and much more robustly than you have.
The ultimate worse case scenario is you end up with a CCJ but it does mean that you can put the "what would happen if" ideas to bed.0 -
I've told Cabot repeatedly the card was not mine but is in my name. I did the CCA in desperation just to see when the card was obtained and what the first 'purchase' was. It had been live for 8 years before I found it. Almost my entire marriage. I felt sick. It is clearly a balance transfer from another of his cards. This is the tip of the iceberg not the extent of the problems I have had to deal with.AlwaysOnTheGo ~ Debt Free Wannabe no 537 Motto: This Too Shall Pass Repayment Mortgage £152k Cabot £5.8k at £1 pcm[/B] Every day I wake up happy to be over the darkest days of financial gloom New Debt the remortgage at 2.27% until 11/20270
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AlwaysOnTheGo wrote: »I've told Cabot repeatedly the card was not mine but is in my name. I did the CCA in desperation just to see when the card was obtained and what the first 'purchase' was. It had been live for 8 years before I found it. Almost my entire marriage. I felt sick. It is clearly a balance transfer from another of his cards. This is the tip of the iceberg not the extent of the problems I have had to deal with.
Give them the Crime Reference Number.0
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