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

Ive just had my second text threatning of a doorstep vist by the 18th Feb too. I say stop treating it and just come over !!!

LOL! Will get my stuff off to OFT. Im so excited for a vist to my house, so is my 9st bullmastiff!! Bloody chanchers, Im so glad that i keep all my emails sent and recieved so i have so much proof that ive tried to come to an agreement !! still no reply to another email on 9th feb!!!!

Have you had the text about a doorstep vist yet ?? Had mine a couple of days ago!!! Also still no reply to my last email on 1st of Feb, dont think these guys comunicate amonst each other!!!

Still no reply to emails to Jack. But get an text from carter forbes on 8th Feb saying that i will be getting a doorstep vist by the 18th Feb to collect on my accouint. Do no one in there offices communicate!!! I have being trying to come to a mutual agreement with Jack Singh but he chooses not to reply to me!!!!.. Me and my 9 stone Bullmastif cant wait for someone to knock on the door!!!

I'm having similar problems with these guys but my chap is a Jack Singh, im still waiting for reply since 24th Jan. Like you i have kept all emails and Letters with dates showing that i can prove that i have tried to come to a conclusion on my account!!! If you read my thread youll see bits of an email that i had recieved let me know if its similar to yous ??? Merbie:-)

Ha! no reply from these guys to my email, funny that after they have given me a deadline of tomorrow. Good job i keep a copy of all letters and emails that i send, so it will show that i have not ignored them!1

Ok guys a bit of update, today i recieved an email, well i didnt my ex hubby did on his email ( which i have told them last year several times that this is not my email anymore and given them my new on which they have emailed me on twice!!) anyway just a couple of highlights from email just want advice on For some clients, regardless of the age of the debt I will consider transferring your account back to Cash Genie. You will be offered the chance to roll your account over for a fee of you original interest, this would represent a huge saving, I will then remove all fee’s and reduce the interest for your loan. We genuinely do want to help you and will listen to all sensible settlement offers if you were able to close your account in one single payment or even spread over three. Cash Genie is one of only a few known short term lenders that does use the County Courts to obtain County Court Judgments (CCJ’s) and clearly I would not be able to put this in an email or any written communication if this was not true. They currently have a 99% success rate when issuing and without a plan being arranged, they will look to start Legal proceedings. Would any of the following options help: • Rollover your account for original interest regardless of the age of the debt • A one off greatly reduced settlement, please reply and ask for a figure • A reduced settlement over three months I have emailed back asking for figures are for offers. Like i have said beforre i would like to settle what i owe on the original loan. Lets see what they offer

Having sent the letter above, i have had a letter of apology from them at my correct address

Thank you! I only have the email address for carter forbes. It was CG UK that rang me. I have tried in July with carter forbes to settle but have not heard from them since. I am defo happy to pay the original loan and 1 months intrest. and have said this in an email and a letter both in july.

hey anyone one out there pleeeeease