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scrivenger

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Everything posted by scrivenger

  1. scrivenger
    Yes 1 SB letter to both Cabot and Ruthbridge.
  2. scrivenger
    Thanks for assistance, very much appreciated. Both letters sent.
  3. scrivenger
    Ok, i'm very grateful for your advice. I will follow it and send a revised SB letter to CABOT. However I am unable to find any refereance in either letter to Ruthbridge being a solicitor. Grateful if you could show me where. TIA Scrivenger
  4. scrivenger
    The debt refers to a LLoyds TSB card
  5. scrivenger
    Good Afternoon, I'm after some assistance please with the following:- I received today in the post a letter from CABOT regarding my account. It states that 'as we have not been able to come to a mutual arrangement to repay your account, Cabot Financial will be passing your account out to Ruthbridge Limited, a debt collection agency.' My previous dealings with Cabot involved me sending an SB letter that was kindly supplied by yourselves. That was over 7 or 8 years ago now and I hadn't heard from them until today. My question is should I send another SB letter to Ruthbridge or should I just ignore them?. I'm assuming Cabot have sold the debt on and that Ruthbridge will just use slimeball tactics to try and convince me that I still owe. TIA Scrivenger
  6. scrivenger
    Grateful for a considered response............. having just received a letter from CABOT advising me that my account is now being passed to Ruthbridge and having read the above thread can somebody please confirm that my next course of action is no action at all. TIA
  7. scrivenger
    Today, 23rd Jan, letter received from Cabot.. .......... 'We confirm that we do not hold all your information on file, therefore we have requested a copy of the Agreement and Statement of account from the original creditor and will forward to you upon receipt. The account is on hold whilst we await this information.' How long do they have to provide this information? Thanks in advance
  8. scrivenger
    Ok resent.
  9. scrivenger
    So just to confirm. I send it back, do I leave it blank again or insert Cabot? , btw they have writen my account number on the back and the word 'ops'. Do I send another CCA request with it or a letter? And what has this done to the 12+2 day timetable. Thanks again..
  10. scrivenger
    Just received today 12th Jan a letter from Cabot dated 8th Jan. QTE You recently sent us a payment by postal order, unfortunately we were not able to cash this postal order because there was no payee filed out . UNQTE Then QTE When sending your cheque to us, please ensure the amount of payment is stated on the cheque UNQTE I left the PO blank as suggested above but I had filled the amount in! I imagine this is a stalling tactic by Cabot but my question is does the clock still tick re the 12+2 days from the day I sent the CCA request or has this letter negated that? Thanks in anticipation..
  11. scrivenger
    So the 26th of Jan?
  12. scrivenger
    So the cca request letter was signed for on 07th January......
  13. scrivenger
    Andy - just received last transaction information. On the 15th April 2009 two transactions took place on the account. Both were payments made to the account, one was for £1 the other for £201 pounds. That was the last time the account was active I assume. They also said that the account was placed into recovery on the 28th October 2009.
  14. scrivenger
    Andy - How can I check those details? I can't remember and have no records whatsoever. Would lloyds/tsb still hold that info?
  15. scrivenger
    Hi, I have absoloutley no idea what so ever. Certainly not in the last 5 years.
  16. scrivenger
    Yes I wondered the same about the start date. If they don't have the agreement how can they know the start of it....As you say, waiting for the reply with interest.
  17. scrivenger
    So letter and P.O. sent off. Coincidently I received a statement of account from Cabot today. It shows the date of agreement as 1st October 1984 and the date assigned as 2nd December 2013. Are these dates significant or not? Grateful for any help.
  18. scrivenger
    Thanks very much to the both of you. I will keep you in the picture as things progress.
  19. scrivenger
    Ok, understood, thanks. Is there a timescale?
  20. scrivenger
    Andy - thanks for advice, would it be just as effective to send a no knowledge of debt letter or not? Rouge - I have no idea. If the debt does exist it will be at least 5 years old and quite possibly in the region of 15-20 years.
  21. scrivenger
    Well the other thread appears to be suggesting to wait until Cabot sends something more substantial than the current letters which say 'We have a bought a debt from LLOYDS/TSB and so now you owe us the debt and we'll make it so easy for you to pay us'. I just wandered if it was worth sending them a CCA request at this stage.
  22. scrivenger
    Thats the fellow thanks!!
  23. scrivenger
    Sorry, I was specifically reffering to the guidance given in this post........ 457637-cabot-chasing-5-year-RBS-loan-debt-debt-no-contact......... I am reasonably familiar with the CCA request route but was interested to understand the guidance given in that post. Sorry haven't posted enough to be able to insert a proper link.
  24. scrivenger
    Hi, I think I'm in a similar situation. I recently received a letter from Cabot saying that they had bought an account that I held with LLOYDS TSB - Credit Card. The first letter was dated 19th November 2015. Subsequently I have received two additional letters the last being, I imagine, the same as above (parksey78), just a form wanting pesrsonal details and income/ outgoings. I genuinely have no knowledge of this account and I was therefore about to send the template letter regarding 'no knowledge' when I came across a similar thread suggesting that it maybe better to wait. I have two questions, the first is should I wait until I get something more substantial from Cabot as you have advised elsewhere and two what is the reason why you would suggest not sending the 'no knowledge' letter at this stage? Is it simply to avoid entering into any form of dialogue with them? Thanks in advance.

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