UPDATE Have had acknowledgements from both Westcot and Cabot about this matter. According to Cabot, I am due to get a further update from them by tomorrow! Westcot correspondence is sent to my correct address, whereas Cabot's letters are still addressed to my old location! As this account was defaulted a number of years ago, it does not show up on my credit file. Since its' inception, even when it was an operating account, the account has never been included on my credit files!

I recently moved to a new build property, and was advised in writing by Hyperoptic that their equipment was already installed in the property, so start up would be very prompt. After about 5 weeks after that confirmation, I was able to confirm my completion date and an order was placed. After numerous emails and phone conversations, I was finally connected to their broadband system 2 months later! I made a formal complaint, and their response was inadequate, I asked them to send me a "Deadlock" email so I can pursue with OFCOM. The email requesting the deadlock confirmation was sent to Hyperoptic on 25th September. I have chased them twice since but still have had no reaction or reply. What could be my next steps please? Thanks for reading t

ref post #3, I think so, I used the date quoted by an admin on another thread I posted. Please refer to my post #4. ref honeybee13 post above. My title of this thread was "lifted" from a post by dx100 on another recent thread of mine. In reponse to you original post here I tried to identify from my "history" which of my previous threads was dx referring to. So this thread could be merged with the old one as it is for the same debt.

Hello honeybee13 Hopefully this is the link you requested. I am not an expert "online" so please consider that!

Admin: I think there is an old thread for this debt? I requested a CCA from Wescot for this debt on 19th September. As with other debts I was paying a nominal monthly sum to Natwest for this account. I was then advised that they had passed this debt to Cabot, with Westcot Credit Services Ltd administering the account. I used to receive monthly statements from Natwest. I continued to pay a monthly sum to Natwest. After Natwest passed the account on, monthly statements ceased. Periodically I would get a letter from Wescot about the account which I ignored. Following the CCA request to Westcot, I received an acknowledgement from them. Today I received a further letter from Westcot advising me that they "will need to contact their client, this process may take several weeks" ! Do I just wait for their response, or take any other action? I am not paying anything on this account now. I notice that their letter received today has a bar code and QR codes on it, which the previous letter did not, and their client is shown as Cabot Financial Europe Ltd-RBS. Is any of that relevant? Thank t

OK thanks, I thought that they did sell the Mastercard debt? I had both Natwest visa and mastercards. I was paying nominal sums to both, they were sending me statements, then the Mastercard statements stopped and I had a letter from Cabot, but Natwest still sent Visa statements, nothing from Natwest or Cabot on the Mastercard. Thanks t

No DX not Mastercard 1985 debt, this one Visa probably taken out around 1990? will have to search my old files. Lolerz: Moved from Old address in January 2023, of no fixed abode until July 2023, advised Natwest September 2023 of new address. I realise about the statute barred situation. Another factor with these both Natwest cards, since opening both Mastercard and Visa, and even when they were being used before debt problems, neither of them were ever shown on my credit files, and so were not shown ever as defaulted! The Mastercard account was sold to Cabot some years ago, and has been chased by Wescot up until I requested a CCA , same date as Visa request, September 19th. Should add, no statements ever received from Cabot for the Mastercard account Thanks t

Admins: There maybe an old thread on here about this debt on old Visa card. I have been paying a monthly nominal sum to natwest since 2008 approx. I have moved, advised Natwest of my new address and also made a CCA request to Natwest. I have been getting monthly statements from them, the debt has not been sold on! I have now stopped paying pending their response if any. I sent the CCA request to them on 19th September 2023, with a £1 PO duly endorsed on the back "only to be used for CCA request", I used the wording as suggested on here. Today I received a statement, sent to my old address, redirected by Royal Mail to my new address. Statement dated 28th September. It shows the £1 payment made as a deduction from the debt. Any thoughts or advice as to how to proceed: do nothing until the CCA request is responded to?, remind them of the notation on the reverse of the PO?, remind them of my change of address? Thanks for reading t

Acquired vehicle on 20/6/2023, DVLA stated according to their records on 12/8/2023 vehicle not taxed. On receipt of the DVLA letter on 16/8/2023 I applied for the tax, which as it is an electric vehicle there was no tax due. DVLA confirmed that the tax would be effective from 1/8/2023. So the time “without tax” I compute to be 42 days.

Just seen your response dx, I think you maybe correct, I will wait and see!

Thanks for the link Nicky Boy. I have checked there and can see that the 4th section could be applicable, as the date they identified as the date that the vehicle was not taxed the vehicle was not on the public road, so not seen on a camera! Additionally, their OCS does not include their “plus 1+ 1/2 outstanding vehicle tax” as is stated in the 4th section. However they do also state that not to pay is a criminal offence and the case MAY be pursued through the magistrates court. Considering all of the above, I am thinking to pay their unreasonable £30 and pursue them for a refund? Thanks for your input. t

I have received a Untaxed Vehicle Out of Court settlement demand for £30 from the DVLA in respect of an all electric vehicle, on which no vehicle tax is applicable! Are they legally entitled to demand this £30? On investigation, even though no tax is due it is apparent that an application for tax has to be made, no mention of this is on the vehicle’s V5C document! I have now applied and received confirmation that the “tax” was recorded as retrospectively starting on 1st August, which now covers the date that DVLA say that their records show it was not taxed!

Thanks for the assurance. t

UPDATE I took BT Business to the Ombudsman over this issue. Ombudsman found in my favour, awarded compensation and told BT to apologise and change account name as requested. Turns out this issue is covered by their terms and conditions, which they did not comply with! t

Thanks dx ignored now! t

I have had 2 soft searches showing on my Equifax file today. I appreciate that, evidently, soft searches do not affect results of searches carried out by “serious” searches perhaps instigated by banks or other institutions. However, the soft searches are marked as instigated by Capital One (Europe) PLC and the other one by Zopa Card with Experian. I have not applied to anyone for any credit or insurances. Should I be concerned about these searches or just forget about them? Thanks for reading. t

Thank You dx

the debt was passed around to Weightmans, Phoenix, Marlin and then I was getting chaser letters from Mortimer Clarke. The solicitor who handled the sale of my house paid Mortimer Clarke as far as I know. I think my solicitor contacted them initially ( I gave the solicitor their details as they had been chasing me) They quoted a larger sum than that was owed, and my solicitor told me that, in the interests of getting the sale through, to pay first and I told him I would pursue after sale to recoup the overpayment. It was paid I think by bank transfer to Mortimer Clark by my solicitor.

Thanks for you comment dx, I realise from previous posts that I was conned, but rightly or wrongly, following incorrect advice from a local solicitor at the time, my wife signed a document to agree to the charge on the property and the charge was placed after a court hearing and is still, as stated on my last post on here, and almost 3 months since the sum was paid on the Land Registry Title register. I am concerned that, if not removed, it might have a detrimental effect. The precise wording on the Title deeds is: Entry Date 2007-06-15 Charge dated 19 April 2007 in favour of HFC Bank Limited. Do I chase my solicitor who paid the inflated debt, or HFC, whose name the charge is on the register, or Mortimer Clarke who was the solicitor representing HFC? t

I sold my house and completed on 16th January 2023. The holder of the main mortgage was paid off in full on that day, and their entry on the title deeds of the property were removed the very next day, I received written confirmation from both the bank and the Land Registry. Also paid off on the 16th January was a debt to HFC bank, which was being administered by Mortimer Clarke. I was "conned" into agreeing the charge on the property years ago, albeit it was my credit card debt and the property was in joint names at the time. There was an old thread about this Marbles card debt on here a few years ago. I have checked with the Land Registry today and found that, despite the HFC debt having been paid, the charge has still not been removed, almost 3 months after the payment. What is the best way forward with this matter please? Thanks t

Thanks for the explanation Andy, there are no such arrangements showing on my credit files.

Thanks for that dx. Does it matter that I may have requested a CCA many years ago, and perhaps received one/some back then? Apologies, but please clarify “ an OC does not have a client DCA” I don’t understand, sorry! Thanks Andy, but please explain “AP” ?

Hello again dx Amex have not stated AIC or anyone as client they just sent a “Notice of Referral to External Collections Agency” and within the text of the notice “This account has been passed to a specialist agency who will contact you (sic)……” No one other than AIC has contacted me about these accounts. Two notices were sent, one for the charge card and one for the credit card. Both had balances indicated there in. Before the notices received in 12/2021 I had correspondence from AIC about the both accounts, and after the notices I received 1 letter about the credit card from AIC, nothing about the charge card. So I am assuming that I write change of address to Amex? No statements from Amex, Wescot/Cabot, and Link/CCJ. Only statements from NatWest Visa - monthly, and Barclays - card and loan, 1/2 yearly. All accounts opened pre 1990 at least, Amex in 1977!

None of the debts are showing on my credit file, they have not shown for years. I have always paid to original creditors, never to others, so even though Amex writes “ accounts have been passed to a specialist agency who will contact you (sic) shortly regarding the options available……… to address the outstanding balances” (This was sent in 12/2021) I should stop paying and write to Amex not AIC, who have only written to me about the credit card not the charge card since then, although they were writing to me about both accounts before the 12/2021 letter from Amex Interestingly both the NatWest credit cards, even when they were current and being used, never were included on any of my credit files, not even when they were defaulted! The Cabot bought account is being paid directly to the OC NatWest.

Thanks Andy. Forgive my naivety, not sure if debts have been assigned or not. I am paying the original creditors, with the exception of Link with the CCJ. I get statements from most of the original creditors, with the exception of the Amex charge card (sorry not debit as previously stated)and Amex credit card. I have had recent correspondence from Amex stating that they have “Referred to External Collections Agency”. I get offers to repay from AIC for both the Amex charge and debit cards. I am paying Amex not AIC, AIC letters reflect my payments to Amex. I had 2 credit cards from NatWest, a Mastercard. (originally ACCESS when taken out!) and Visa. I pay NatWest for both, but only the Mastercard is being chased by a DCA, I get monthly statements from NatWest for the visa, but not the Mastercard. The remaining loan and credit card are both Barclays products, and they send regular statements for both, which reflect the payments. do I send change of Address to Barclays, AIC and NatWest, and Westcot who are ”working on behalf of Cabot Financial Europe Ltd - RBS” for the NatWest Mastercard account and not Amex, even though I have been paying them? Thanks