carbot financial letter re natwest account

hi all
just want some advice re carbot financial. my brother is dealing with his ex partners (J) mail while he is in hospital recovering a serious operation. (they have remained good friends and have new partners which they are all buying a house together. he has become my brother from another mother. just so you understand why my brother is dealing with his mail)
 J post had a letter from carbot financial with another letter from natwest saying they are chasing a debt of £1400. the natwest letter looks fake to me and after research on here i can see how carbot are like. J has no recognition of this debt as like my brother has said it would of flashed up on J credit history as unpaid. he has no debts outstanding as this all got sorted so they can get the new mortgage. The new mortgage wouldn't of gone through if this was true. as all four of them have passed all checks required to buy the new house. my questions are should we ignore this letter? contact natwest directly and not from the numbers they have on the letters? they are moving in 2 weeks time and don't want this to follow J to the new address and cause him more stress while he will be recovering at the new house. i would appreciate any advice from you wonderful people

kind regards 
natty

Replies

  • edited 29 June 2020 at 1:19PM
    sourcratessourcrates Forumite, Board Guide
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    edited 29 June 2020 at 1:19PM
    The name is CABOT, they are a large multinational debt purchasing company.
    Sometimes debts are sold on with very little information, when this occurs, the collector in question may choose to contact anyone with similar details to the original debtor, in order to get a hit.
    Now if "J" has never banked with Natwest, and does not recognise the debt, it would be foolish to ignore it, as Cabot could, in theory, obtain a county court judgement by default, if "J" choose`s not to engage with them.

    So once someone has written to you saying you owe x amount of money for this debt, its always wise to start the process of obtaining evidence.
    You do this by sending what we term, the "provit" letter, basically a specifically worded letter that requests the creditor to provide proof of your liabilirty for this debt, something they are required to do when asked, by law.

    The letter can be found here -

    Send that, see what the response is, post back here if you require more help.

    I'm a Board Guide on the Debt-Free Wannabe, Credit File and Ratings, Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to:
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  • natty07natty07 Forumite
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    10 Posts Second Anniversary
    hi sourcrates

    Many thanks for responding. Sorry I didn't notice I miss spelt their name. I've just spoken to my brother to let him know what you have said. (luckily he lives next door to me lol)
    J has banked with Natwest for 20+ years. He has a current account with them and has salary and bills going in and out. He has no credit cards and loans with them. That's all that he has with Natwest. Hence he has no knowledge of this debt. After i've looked at the NatWest letter,  it has a 16 digit account number and says that on 3 june 2020 your account was assigned to Cabot who are now the legal owners of this debt and will manage your account. As of the 29th feb 2020 your account had an outstanding balance of £1557.55. 

    The letter from Cabot welcomes him and reads how to pay/contact them. There's also another letter which reads out that Cabot is the legal owner of this account and is a letter of assignment.

    I've read out your response to my brother and he is grateful of your advice as i am.

    Shall i still send out that letter to them? sorry i didn't get all the correct info first time but due to the moving and J being in hospital my brother was in panic mode. So I'm going to deal with this to relive their stress.

    kind regards

    natty
  • fatbellyfatbelly Forumite
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    If it's 16 digits it's a credit card, and if it's a credit card it can only be in one name.

    So follow Sourcrates' advice and see what comes back.

    If you look at the Natwest letter is it in the same font and format as the Cabot one? - if so it has been generated by Cabot and one possibility is that it is his debt but nothing to do with Natwest. Another possibility is that it is  Natwest but nothing to do with him.

    The prove-it letter should force them  to explain  themselves.
  • natty07natty07 Forumite
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    10 Posts Second Anniversary
    that's what i said to my brother. its not an account but a credit card.
    the letters are from the same machine as on the left side of the paper it has CAB101_230620_710718_Machine\28490\85973\1of6\   this runs though the three pages on all left side up to 6of6
  • fatbellyfatbelly Forumite
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    If it ever came to a court case (it won't) you would point out that they were generating letters purporting to come from a third party. All the debt buyers do it and you can see as in this case that they can get caught out.
  • sourcratessourcrates Forumite, Board Guide
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    natty07 said:
    that's what i said to my brother. its not an account but a credit card.
    the letters are from the same machine as on the left side of the paper it has CAB101_230620_710718_Machine\28490\85973\1of6\   this runs though the three pages on all left side up to 6of6

    That`s very common as the debt purchasor usually formats both letters, then sends them to you.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File and Ratings, Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to:
    [email protected].
    Any views expressed are mine and not the official line of MoneySavingExpert.com.
    "I don`t trust Bankers, I don`t trust Banks, and I don`t trust you.........Private Frazer".
    For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
  • natty07natty07 Forumite
    17 Posts
    10 Posts Second Anniversary
    thanks all. ill let you know the updates on this
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