Ok thank you!

So Cabot have replied saying they dont have the relevant information on file. They will be requesting a copy of the credit agreement and terms and conditions from the original lender. When they come back and provide a copy of the credit agreement (assuming they do), what do i do after that? Do i say it's not the original? Basically if you can talk me through the process or point me to a thread with the entire process outlined i'd be very grateful. Thank you in advance. I did try searching before posting, but i couldn't find anything.

Thank you i'll look at the SAR. Is that just to harass them and make them run around for info, or is there an endgame plan with it in terms of the point of sending them a SAR?

Thank you!

It was with MBNA. Do you know where there are templates for the CCA request as i'll send them another one for a laugh

Ok great thank you!

Oh yes absolutely, i have not paid them a penny. They have been chasing me for years and ive CCA'd them and they have provided nothing. My concern is that out of spite in 12 months they will apply for a CCJ and give me headache and attempt to give me ANOTHER 6 years of bad credit. Thats what i was asking. Do you have any experience of this and are they likely to do that?

Hi guys, Can anyone please give me some advice please. I have had Cabot Financial chasing for £7800 worth of alleged debt. The default was recorded on my credit file some time in 2014, so it will drop off some time in 2020. My concern is that Cabot (whom i've been ignoring having sent them numerous letters as advised on here) will wait until 2020 and then try to register a CCJ against me. Resulting in ANOTHER 6 years of terrible credit. Can they do this, is it likely, anyone got experience of this?!

The card was taken out in about 2006 i believe and the Cahoot loan was taken out in 2004 but never used until about 2007. And yes i did a 3 step letter process, so i have a feeling i did it via another website. Are there some steps i should take on here then and have i been a bit of a prize pratt?

I followed all the steps outlined here i believe, i have the letters in a folder somewhere that i'll have to dig out. I may start the process again saying ive noticed the defaults still on my file and i dont recall owing any such money. I cant remember exactly what it was that made me think it was enforceable. They showed me copies of the signed agreement, obviously it was a copy and not the original. This was from Santander, i had zero communication from HSBC as it went straight to Wescott with no discussion.

They were with HSBC (Credit Card) and Santander/Cahoot. They presented me with copies of the singed paperwork. i went through all of the steps on this website with the various letters and got nowhere with them. The companies that came after me were Westcot who i believe are owned by HSBC? ! and also Ardem or something like that. I have since had a couple of phone calls from other collection agencies asking me who they're speaking to and ive refused to identify myself so they havent been able to proceed with the call. In hindsite maybe that was a mistake? Im just wary that they'll rear they#re heads again after 5 years. Someone will buy the aging defaulted debt and then decide to proceed with a CCJ. At no point have i admitted that i owe the debt but they havent removed the default and are sticking to their guns that i do owe it. Hopefully that helps? Is it standard practice for debt collection companies to revisit these aging debts and threaten CCJ's so they attempt to screw you for another 6 years unless you cough something up?

Hi Everyone, thanks for reading. I have 2 defaults amounting to about £15k. I went through the entire process of seeing if they were enforceable and it seems they are. So i just moved on, this was about 2 years ago. I was just waiting until they drop off after 6 years. But i heard somewhere that these guys can come back after 5 years and start threatening you with court action. I couldn't care less, but i don't want the CCJ and going through another 6 years of rubbish credit. Has anyone had experience of this and am i better off giving them a tiny settlement and just being done with it? Any help or advise would be greatly appreciated.

Thanks for your help, i'll have a think and decide what to do. I appreciate you taking the time to answer my questions. If/when it goes to a DCA can the DCA then apply for a Bailiff even on an unsecured debt? The amounts are £8600 on a loan and £5600 on a credit card. Would a DCA write it off even after buying it from a lender and not bother with a CCJ, or would they potentially appoint a 'real' Bailiff on the non payment or default of that CCJ? As i said i can deal with any DCA letters and visits, im not at all worried about this, im more worried about my future credit after 6 years and potentially getting into legal 'hot water'. In short i want to get these debts to just go away and not worry about them after 6 years, is that possible so long as i keep my mouth shut and tell debt collectors to get lost? And if i do this, can the debt collectors with a purchased £8600 debt enforce a CCJ that would result in real Bailiffs coming to my house and taking stuff? I appreciate you cant answer all scenarios or judge 1 case over another, but im talking in general.

Thanks for your helpful reply, its really appreciated. If i dont get a DRO and just default on all the debts, will i be made to declare myself personally bankrupt or will they just put CCJ's against me and in effect that'll be the end of it? Obviously i''ll get hundreds of threatening letters and people turning up to the door, but i can deal with that. Also i live in rented accommodation with 5 other people, if bailiffs knock on the door and someone else lets them in what can the bailiffs do? Can they enter my room and seize goods or is there nothing they can do, can i also ask them to leave and they have to comply?

Thanks for your reply and apologies, i didnt provide a great deal of information. The loan is with Santander (an old Cahoot loan) and the Credit Card is with Virgin Mastercard. Neither loan is secured or has payment protection insurance. I dont own a house, or any assets for that matter. And yes these are the only debt i have. I am self employed and my business is about to go kapoot but the loans are in my name, not the company. So when my business finally grinds to a halt in a few months im going to be unable to pay the loans. I could come to some arrnagement with the creditors but surely they will put me into default and just have me paying back £20 a month for the next 60 years, the whole time my credit rating will be shot to piece as eac month will be showing a payment but that im in default until the balance is paid in full? My thinking was if i just default on both at the same time, pay nothing and walk away, after 6 years it'll all just go away.