002.pdf Page 1 001.pdf Page 2 I did a SAR to Halifax.. no default in there.. Just the signed CA.. Should I go back to Halifax?

Would the complaint to fos need to be formatted in any particular way? Should I reply to.Cabot?

Full page photo.pdf Thanks

I have received a response from them. Please see attached. Jobless, Penny-less, asset-less, and baby en route.. What can I do? [ATTACH=CONFIG]30643[/ATTACH]

I did spot that! thanks..

Ok. Will print and send tomorrow. Thanks so much.. I'll let you know..

Thank you so much..

Hi. Thanks for the prompt reply! And thanks for not judging.. Erm. I thought it would be easier to reply under your questions. Hope this was ok..

I'm having a rather lengthy game of Letter Tennis with Cabot financial (Europe) Ltd at the moment.. The Debt is mine. Having run into difficulties, and being a little stupid.... Anyways.. Please dont judge me.. I have been unemployed since March due to redundancy.. They have provided a signed CCA.. I'm stretching this out as long as possible for financial reasons. Now the question is, there is no record of a Default being issued. Nor can they provide proof the a Default was issued, yet they have placed on on my credit file.. Is this "legal".. Do I have grounds to contest the debt as the Default cannot be substantiated.?