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Can I complain to someone Cabot threatening letter
tritons0
Posts: 68 Forumite
Been on path of asking for CCAs over period of time . Success with some . However Cabot sent letter 6/8/25 stating couldn’t find documentation for Santander loan
then on 11/8/25 offered 75% discount . But today receive another letter saying defaulted and they ‘may consider sending an agent to visit you at home ‘ ! I find this very worrying and feel it’s not right . Any suggestions please ? Many thanks
then on 11/8/25 offered 75% discount . But today receive another letter saying defaulted and they ‘may consider sending an agent to visit you at home ‘ ! I find this very worrying and feel it’s not right . Any suggestions please ? Many thanks 0
Comments
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Just ignore them, anyone coming to your door has as much power as the milkman.1
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Can I complain to anyone about this ?0
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doubt it - just because they can't provide the CCA doc doesn't mean the debt doesn't exist...1
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Have you told them clearly you will not be making any payment while the debt is unenforceable?1
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No , advised by other forum members to not engage0
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I have letter clearly saying they can’t provide CCA , if they find it then obviously things change but I find it very bad that they feel they can use ‘scare tactics’0
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I suggest you email them saying clearly you will not be making any payments and will not speak to any callers to your house. You just have to say this once, no need to keep replying to them, but I think it helps to be clear
, which so far you have not been.
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The fact a debt may be deemed unenforceable only prevents a creditor from taking legal action to recover the balance, nothing else.
They can quite legally still ask you to pay, still report to your credit file, and still offer you a discounted deal.
You can`t report them as they are not doing anything wrong, your best bet is to make it crystal clear to them you are not going to pay, and then they will likely move on and bother someone else instead.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 had similar with PRA, I told them once that I wouldn't be paying and then just ignored them. They kept calling and offering discounts but now they have mostly given up apart from the odd phone call.
It's all part of the game really, they push things as far as they legally can to try and get money out of a dud investment, but with no CCA you can just sit and laugh at them.0
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