I forgot to add that they are now asking for £2,233.47

Hi, I have an update on this if anyone is interested or can help? On the 4th December I received a letter dated the 29th November from drydenfairfax solicitors on behalf of Cabot Financial, I had actually forgot about this as I had not heard anything from them in a long time. On the 4th I sent a letter to back directly to cabot asking for a copy of my credit agreement. drydensfairfax replied (letter dated 20th december) postal mark on the letter the 23rd (not sent recorded) received today the 24th december. This takes it out of the 12 working days? With the covering letter was a photo copy of a letter allegedly sent to Cabot on the 28th January 2011 (i guess from when i requested before) saying enclosed are true copies of the original and final agreements with Citi Financial. I notice that I have 2 copies, however they are both differ:- At the top of the poor photo copy one states this as a line reference, 0020 Citi & bmibaby Cards 01 12 2008_C and the other is 0022 Citi & bmibaby Cards 11 01 2008 Why do I have 2 agreements? neither are signed How do I proceed with this? drydens want a repayment proposal within 14 days. Thanks,

Hi, I have just noticed this "We will set a credit limit for your Account and keep you informed what it is. We may change your credit limit at any time but will inform you when we do." Thanks

Hi, it does not state a credit limit - various mentions of Interest Rates etc

Hi, Thanks for your help - I will have a look through, does the Credit Agreement need to have a date on it? Thanks

Hi, I don't know if it is enforceable, no idea when the card was taken out as no date on the fake looking credit agreement, just noticed on the bottom of the first page that it says "Your total charge for credit £201.83" The total charge for credit is based on the assumptions that when you open your account you make a purchase of £1500 etc etc 1st copy statement shows a £1750 credit limit and a date of the 11th March 2008 Thanks

Hi, This is my first post so please be patient :0) My first letter from Cabot was on the 21st September 2010 (saying they have bought the debt @ £1743.89) I ignored this letter then I got letters on the following dates. 29th September - They sent a letter to my girlfriends, no idea why or how they traced me to that address as I had no financial agreements at that property i used to stay on a weekend. I replied saying:- Dear Manager I am un aware of any debt owed to yourself or your client. Please provide me with a copy of any credit agreement and a full breakdown of the account including any interest or charges applied. I would also like to inform you that my address is as above (I own the property) The address you have on file is not correct, this is where my partner used to live 17th November - I had a letter saying account is over due, please contact us - IGNORED 29th November - Welcome to Cabot we have bought your debt £1794.34 - IGNORED 3rd December - Repaying your account - IGNORED 15th December - Contact Us Urgently - I replied:- On the 17th of November you replied to my letter dated the 5th of November (copy attached) I asked that you could provide me for a copy of the credit agreement I have with you or your client. Again I ask that you do the following 1. Please provide me with a copy of any credit agreement and a full breakdown of the account including any interest or charges applied. I have also emailed this letter to 5th January - Your Query, please forward us your date of birth and we need to see your signature etc - IGNORED 10th February - SENT ME COPY STATEMENTS - IGNORED 16th February - COPY OF ORIGINAL CREDIT AGREEMENT - has no signature from me - IGNORED 4th March - They are saying they have not heard from me and will put my account on hold for a further 14 days - IGNORED Help would be appreciated Best Regards