Cabot Financial --> Orbit doorstepping and advice please?

Donegal_Paul

Hi all, with much thanks to this forum over the last 10-15 years we've managed to sort out many of our old debts mainly credit cards.
The only one really left is a Yorkshire Bank account sold onto Cabot years ago and they were terrible to deal with but in the end I said all I could afford was £1. for all that time the standing order has been going out and continues to do so only 1388 months to go 

Lately however, I've had a couple of cards through the letterbox hand delivered from Orbit acting for Cabot "aiming to connect with their team".

Now, because they mucked me about so much back then I'd like to carry on at £1 a month forever until they write it off ( had a result last month like this with an old HSBC debt where they wrote to me and said they won't be following it up anymore). 

Do I HAVE to give them a budget planner? I'm pretty sure I don't but wanted to check?

I'm half tempted to send a CCA request just to see if they literally have the paperwork anymore, it's over 15 years old and they may no longer be able to prove it? I know that's cheeky but the stress these people put us through it's tempting to stick it to them a bit. 

I checked their site and it confirms the £1 a month still and the only other link is it's trying to get me to fill in a budget planner which i've no intention to do. 

What I really don't like is them sending their faux bailiffs for a "word" especially given my wife had a stroke less than 6 weeks ago and she doesn't need this hassle frankly. 

Any help or advice greatly appreciated. 

stu12345_2

only a court can force you to produce an income expenditure sheet

and the cca agreement request will cost you a first class stamp and a £1 postal order or cheque which they won't cash and return it to you.
it takes 5 mins to write and could potentially save you thousands of pounds 

Grumpelstiltskin

You do not have to give any of these people a budget planner.

Stop paying them and then send a CCA request and see what happens.

Don't worry about someone knocking on your door, just don't answer the door to anyone you don't know, they have no more rights than a double glazing salesman.

DisabledDan

You don't have to give them anything.

You can start with a CCA, the prove it letter from the sticky posts will do.

I made mistake of making token payments until I realised that it was just delaying the Statute Bar.

sourcrates

You should send this without further delay.

The National Debtline templet is best, you can find it here:

National Debtline | Sample letters - Information about your agreement under the Consumer Credit Act | National Debtline

fatbelly

Is this an old overdraft? They may respond to say no credit agreement is required.

sourcrates

fatbelly said:

Is this an old overdraft? They may respond to say no credit agreement is required.

Oh darn it, CCA does not apply to overdrafts does it, missed that.

Donegal_Paul

Honestly I don't remember it's that long ago, I don't think it was an overdraft but hand on heart couldn't state for sure 100%. If I send the template they can either provide proof, not provide proof or say it's irrelevant as it was an overdraft? 

sourcrates

Donegal_Paul said:

Honestly I don't remember it's that long ago, I don't think it was an overdraft but hand on heart couldn't state for sure 100%. If I send the template they can either provide proof, not provide proof or say it's irrelevant as it was an overdraft? 

Yea, send it anyway, they may not even know the debts origin, can`t hurt anyhow.

Donegal_Paul

Right, apologies, life and health got in the way and I was later than I wanted to be sending them the letter and today got this back



So, they are basically saying they cant prove the debt but I do apparantly owe it? So whats the recommended next step? Stop paying as they cannot prove seems logical, are they likely to be spiteful about this in some way? Tempted to write a letter to yorkshire bank who sold the debt and copy cabot in basically stating to either prove they sold it to them or drop it (and post it on twitter as an open letter) I presume though the advice is simply stop paying and walk away?

sourcrates

Yes the latter, for now anyway, they may at some point in the future find something enforceable, but for now you can cease payments if you want too.