Cabot - wanting more!

bodybag_2

Hi 

I have been paying a debt to cabot, for many years.  The debt is probably 12 to 13 years old. 

The debt has passed through many debt collectors in that time, however recently cabot have sent me letters asking me to increase the monthly payments, which I admit is not a great deal.

The letters are increasing, I'm getting 1 or 2 a month now, and honestly I just throw them in the waste. My question is can they take me to court over this? The letters are not saying they will, however they are saying they May send an agent - I'm not too bothered about that, I know they have no powers.

I'm making regular payments, and to be honest I'll prob die before the debt is paid off....i have had letters from them in the past asking me to make a final offer...and I did make a cheeky one of 100, which was ignored....oh and I didn't get a CCJ for this.

Thanks in advance for your replies!

Rob5342

Have you made a CCA request? If not do that now, if they can't produce it then the debt can't be enforced and you can simply stop paying it.

bodybag_2

Rob5342 said:

Have you made a CCA request? If not do that now, if they can't produce it then the debt can't be enforced and you can simply stop paying it.

Thanks for the reply, I don't think I have, I'll get one sorted and send it. 

So the debt is still enforceable if they can produce the required documents? As in take court action?

Cheers
.

Rob5342

They can't take court action without the CCA, but that doesn't mean they will if they can produce it.

bodybag_2

Rob5342 said:

They can't take court action without the CCA, but that doesn't mean they will if they can produce it.

Thanks, is there a template on here for a CCA? Can't seem to find one.

Thanks for your help.

bodybag_2

I managed to find one.  I will update of I hear anything from them. 

sourcrates

Keep in mind that a court would not expect you to make payments to a debt that you could not afford.

Cabot are just rattling your cage, rattle it back by sending the CCA request.

Remember you are the one in control, not Cabot, you decide how much they get paid, no one else.

bodybag_2

Just another quick question...

I'm sending this off tomorrow, I need to get a £1 postal order, do I address it to cabot financial, or leave it blank?

Cheers

sourcrates

Leave it blank, the fee will likely be returned to you, as not all creditors cash them these days.

bodybag_2

sourcrates said:

Leave it blank, the fee will likely be returned to you, as not all creditors cash them these days.

Thank you.   

fatbelly

sourcrates said:

Leave it blank, the fee will likely be returned to you, as not all creditors cash them these days.

And then you can use it on another debt!