Ok ! So what do I need to do as they're saying it's for a credit card with equidebt but it's originally for a loan with abbey ?

Hi ! Can anyone help me on this one ! Still getting letters from Cabot . Can u get a second ccj on a debt ?

Hi! No cant remember how or when it got sold. The original loan was for about £15k. We have kept up with payments and got it down to the £11K. Really not sure where I stand now, esp as Cabot cant get there facts right on letter

Abbey deffo took us to court and we had a CCJ. I cant remember the figure the court said we had to pay each month it was 30 something but over the years equidebt put it up and we were paying £45 a month. Im thinking its about 8 years roughly. The amount outstanding now is £11,308.77. I shall not be speaking to Cabot on the phone as I always do stuff in writing and reg post so not worrying about this at all, just want some advice on what to do. I shall get hubby to upload letter on sunday as I don't know how to do it. I have had a couple of letters over the last few weeks but have been so busy and have only just made time to deal with it.

thank you

Hi! We have received letters from Cabot saying they have taken over our Equidebt account. Firstly they say the original lender is equidebt and its for a credit card, when its in fact Abbey national and for a bank loan we had with them. We did have a CCJ from abbey and then equidebt took over the loan and we have been paying a monthly payment to them since up in till they went broke , this is all several years old, I cant find any old paperwork as we have moved house since. Could I have some advice on what we need to do as it seems that they haven't even got there facts right:-o

Well still tooing and throwing with Emails with this company , lots of of different offers to help me clear this but still not excepting my offer of original loan and one months intrest! Latest text from them was to call them for good news on my account, without contact we may need to speak to you at work !!! Well i call that a threat. Do they not realise that people keep all emails and texts etc. Im sure a judge will be intrested to read all that they send !!!

well just an update. several emails to an throw. but syill not excepting my offer. but the funny thing is i got a text the other day from them saying my loan is ready and to contact them. hahahaha! do they not relise i keep all letters, emails and texts, that one would lokk good if it went to court !!

Well another email sent to Mr Hodge and once again no reply !!

When you contact OFT is it best to do in email or writing ? Ive still had no reply to my email. Part of me wishes that they took me to court so i can provide the judge with all the letters i have sent and copies of the emails i have too. !!! There defintly not stressing me out anymore, i think its quite funny that there behaviour is so applalling !!

Well to and thrrowing with Emails. Just an update. I am now on my 5th person dealing with my case. Once again offered original loan and 1 months intrest. Funnily no reply !!! Not sure if saying that for the umptenith time that i will only discuss by email or writing, as once a agin for the millionth time they asked for a number to contact me. So glad i keep all my emails !!!

Thanks for moving it to correct place. It is from last year. It was a monthly payment.

Hi! Just some advice on what to do next i sent a CCA request along with a £1 PO to Trevor Munn who are chasing for Swinton an old car insurance that was cancelled. Well to day i had a letter from ARC with what is called a PRE-CONTRACT CREDIT INFORMATION, it also had attached with it the CCA but this has not been signed by me or anyone else. They also sent back my PO, and now have asked me to pay in 10 days. What would be my next move ?

Hi! I am finally having time to do my complaint to OFT. Am i right in thinking that it goes to FOS as thats what links on direct.gov lead me too??

Hahahaha, sames here no vist then same text today as well. LOL