One more question - do I have to pay £10 for each NRAM account SRA request. or can I include all 3 accounts on the one letter and pay £10 for the 3? Thank you

HiMartin, Thank you. I was more thinking about the letter to Cabot instructing them to remove the default before going to the ICO Thanks

Ahh, Also can I send the letter to Cabot in PDF by email? thanks again

Dx, Thank you again - I am now getting the point you are making. In my post 3 I have stated the amounts I pay the creditors. Should I be reducing this to a minimum and if so what minimum and those who have a CCA can they raise a CCJ against me? Many thank

Hi Dx, Thannk you for your reply. My rational is that I believe Cabot have reissued a default when they purchased the debt from NRAM. NRAM have not got any details, as they now do not exist, but I do not understand how Cabot can buy the debt and then issue a new default. Given it has been incorrectly it is my intention to offer a F and F at the same time as telling them they have put a default on incorrectly and use it as a bargaining tool with the hope they will remove the Defaults! Thoughts? Also, I cannot see in the library which one is appropriate for me to use? Thank you

Hi, I know this may go against the grain but I do want to offer some of my creditors a F and F payment initially at 10% of the outstanding amount. Is there a template on here? I know the wording needs to be pretty prescriptive, so that is where the help is needed. Also can I email the letters to the institutes as a pdf or would you advise to be sent by post. Thank you in advance

Hi - Ive had agreements with all since Pre 2010, but most have been sold on and even re,re sold Cabot previously Northern Rock unsecured loan - CCA request returned because I hadnt completed Postal Order - Defaulted Jul 13 (when sold on at a guess) I pay £20 per month Cabot previously Northern Rock unsecured loan - CCA request returned because I hadnt completed Postal Order - Defaulted Feb 12 (when sold on at a guess) I pay £40 per month Cabot previously Northern Rock unsecured loan - CCA request returned because I hadnt completed Postal Order - Defaulted Feb 12 (when sold on at a guess) I pay £35 per month Moorgate previously MBNA Credit Card - CCA request returned with 'unable to supply' said they would default if I didnt continue payments - UNSURE if previously Defaulted?? Not on Credit file I pay £91 per month Cabot via Apex previously Egg Credit Card - CCA request and have provided signed agreement - UNSURE if Defaulted?? Not on Credit file I pay £70 per month Cabot via Apex previously Egg Credit Card - CCA request and have provided signed agreement - UNSURE if Defaulted?? Not on Credit file I pay £55 per month Halifax Credit Card - was paying Blair Oliver and Scott - CCA request to Halifax, returned saying they have not been able to find original agreement - not on credit file - unsure if Defaulted? I pay £45 Cabot previously Goldfish Credit Card - CCA request returned because I hadnt completed Postal Order - Unsure if Defaulted? I pay £50 per month Halifax Bank Account - Overdraft - Defaulted on Jun 11, no idea why it took so long to default. I pay £25 Halifax Bank Account - Overdraft - Defaulted on Aug 11, no idea why it took so long to default. I pay £15 Mint Credit Card - CCA requested original signature, I never supplied as thought it was wrong thing to do - Not sure if ever defaulted - I Pay £70 Royal Bank of Scotland Credit Card - CCA requested original signature, I never supplied as thought it was wrong thing to do - Not sure if ever defaulted - I Pay £70 I want to pay them off the minimum payment - I'm not sure if those not showing as a default have ever defaulted and do not want to take any action to cause this. I was hoping by 'satisfying' those on my Credit scoring it would increase my credit score as I want to get a mortgage. Thank you

Hi, Thank you for all the advice from reading the forum. I was hoping for some help though given Im certain I have been cash cowed, I believe the phrase is, for many years. My CRA shows 5 defaults, I am unsure if my other creditors have defaulted or just not defaulted and they have purely accepted my arrangement - I do not want them to suddenly appear as defaults when I ask for F&F. Also one debt was 3 of the defaults were sold on to Cabot who have registered them as defaults when they took them on, would they not have been registered as defaults previously by the original creditor? Hoew can I find this out there is nothing on my credit report which I have only recently requested. Also is there at emplate for requesting F&F and what is the recommended % of outstanding debt I should request. Thank you in advance

DX, This is not an online account - I have asked a number of questions in this thread which have been avoided. I'm now in a position having provided the responses requested but still no forward on how to act and would appreciate advice from any one Thank you in advance

So do I stop paying and if so do I notify them why ? Thank you

Hi, Find attached the remaining docs in the attached PDFs I also now realise what they mean by a signed statement of account. For the two CCAs that have been supplied the first page appears at the back of the document. Advice and assistance appreciated. Thank you

So given what they have provided - what would be your advice? Do you agree with the paragraph thatthey have satisfied section 78?

Hi Dx, So would your advice be to just stop paying and ignore or do you think I need to make it clear why I'm stopping payments. What if it was a genuine error that they never included the 'Signed Statement of Account'? Thank you

Why a SAR? What will that reveal?

Hi Havinastella, Apologies, I have just noticed the 'expand' button next to the defaults and each one has an individual default date of around 2012/13 the 15 Mar date is an update which will be when Cabot took on the debt. I will continue and wait for the CCA request response