You will def be getting another donation Andy without a doubt Made a small one today and will drop another one down when I get the money x

Ah thats not a bad idea, cheers Andy

Tell me about it, I had a feeling they were going to come back with that, and I would have taken it further had they not closed the account and kept trying for it lol Im not sure I am going to take the money Andy they want my bank details, I dont know why but I dont trust them lol Thanks for all the help

Hi Guys Just a couple of updates, I received a letter back from Cabot a couple of weeks after I sent a reply to them saying I thouught it was now SB, saying they had placed the account on hold pending investigation, that was end of September. Today I have received a full reply from them, stating the debt is not SB and never will be due to legal proceedings that were issued regardeless of the fact that the claim was discontinued, however as the claim was defended and they were unable to fulfil the defence by not providing the CCA they have made a decision to close the account with immeidate affect and I will not be contacted by Cabot or Resolve Call in the future. Also in recognition of their incorrect contact to me after the discontinuation of the claim they would like to offer me £150 if I am willing to accept it? Was not expecting THAT to happen. Im just more than happy that the account is now closed and hopefully that will be the end of it. Cheers all

Will do, thanks Old Cogger

Thanks both, good to know about the SB. As soon as I finished typing the first post this morning, went to a meeting and when I got back 2 missed calls on my phone both from Resolve Call, so Cabot obviously havent told them to suspend trying to get hold of me? Just have to sit tight and see what happens next.

Just a quick update and a question please? Sent the SB letter to Cabot over two weeks ago, I havent heard anything back from them as yet. I have looked a little deeper into SB and there is a piece saying that if the debt has ever had a CCJ started against it, then it can never be SB. Originally Cabot tried to get a CCJ in 2013 but it was discontinued as they couldnt provide the information they had to, to be able to continue with the claim, would the fact that they even tried invalidate my SB claim. Thanks for your thoughts.

Hi dx I was unaware I had to do that, after not hearing anything for over 5 years I thought (obviously incorrectly) that was it, they no longer were going to stay in touch, didnt know I had to tell them where to find me. I will send them the SB letter tomorrow. I thought this was all over with, just goes to show they never let it drop. Thanks for the advice, wasnt sure if it was too late to write to Cabot and say Im still waiting on the CCA. or SB so Ill do SB. I def dont want to go down the ccj route again with this, I didnt realise they can do it twice. cheers ill pop a donation on.

Hi all Hope you are all well and as you helped me no end last time, thought I would bend your ear again, and ask for some advice. I was going to post on my original thread from 6 years ago but looks like I need to start a new one, here is the link to the old one. Long story short, Cabot tried to get a CCJ from me in 2014, they didnt reply to my request of the CCA and the case was eventually dismissed. I heard from cabot once then the following year saying they were still trying to get the info I asked for. I of course then was in no rush lol. However last week at my new address that I have lived in for the past 2 years, I received a letter from Cabot after 5 years saying my debt was past to Resolve Call who would be in touch, today I have had a letter from resolve call saying they will be calling to see me in 7 days? Should I get in touch with Resolve Call and tell them the history, surely now, wouldn't this debt be Stated Barred? Last payment was december 10th 2008 and the only contact with them was when I asked for my CCA in 2014. I know they do call as Ive checked on some reviews of them, and it doesn't seem to matter to them about the covid restrictions as latest review I read they called to somebody's place only yesterday. Any advice would be great and of course I will be making a donation.

Hi dx Yes I logged in just to have a little look to see if it got updated and pressed on the case number and it says case discontinued 19/07/2015.

Hey thanks Andy and dx Couldnt have done it without you, and feels good to get a letter like that instead of a demanding one. Andy the letter arrived 2 weeks ago but I have been away with work and just got back, I havent had any notification from the court yet, however I went in and checked on the MCOL and it says on their Claim has been discontinued. Is it worth me giving the court a quick bell to confrim? Also just had a nice email from the admin of this site telling me what my donation will go towards, how it will help and thanking for the donation, thats a nice touch.

Hello Guys Just another quick update, I have received a letter to say that they are sending a notice to the court that the claim against me has been discontinued. Thank you so much for helping, going to make another quick donation right now as I could not have done this without this boards help. Cheers and thank you.

Hi all Happy new year! Not sure why, but today after all this time, I have had a letter from Restons saying the following: Dear Madam, we write in respect of the above matter ( they quote cabots v me) We can confirm that in light of your CCA request, the necessary documents have been requested from our Client and we will endeavour to provide them to you as soon as we are in receipt of the same. This is 3 months after recieving the letter from Cabots saying they were unable to get the documents so couldn't proceed with judgement. Any ideas why I have recieved this?

Ahh Your right dx, it is almost identical. So I guess I just hang on in there until Cabot can produce the doucumentation they say they need to be able to proceed for a judgement? Im thinking this may be Restons way of trying to scare me into makiing a proposol of some sort?!

Hi all Had another letter today 10 days after Cabot said that they have been unable to get the Credit Agreement, this time from Restons, quite a long letter pretty much telling me that the defence I submitted is one that they get in a format widely used circulating from the internet and then going on to "pooh poohing" each of my defence points one at a time. telling me that although I put strict proof to certain aspects, they would point out that I have not entered into an agreement with the Claimant, nor do the particulars of the claim allege I have, but the original credit agreement between me and the BOS states they were entitled to transfer their rights and benifits to a third party which they have done. It then goes on about the amount claimed that I should know this from past statements etc etc. That they did respond to my cpr31.14 on the 07th August, they did but not with any of the information I asked for. It ends by saying in their view my defence has no prospect of sucess and they will recommend to the client that an application be made to strike out the defence/for summary judgment a nd also seek an order that I pay the clients legal costs on a contractual (imdemnity) basis...I dont know what that means to be honest?! Should I wish to avoid this then they want me to withdraw my defence by completeing form n9a and returning it to them, OR alternatively if I wish to proceed to resolve the matter amicably without further court intervention to put forward a settlement proposol within the next 14 days!! They have also included a couple of copies of letters they say I was sent about notice of change, and others chasing the debt, all of them from the month of June. Any thoughts?