I have response from Cabot to my CCA request. This is for Barclays loan (36K) which they bought in 2010. they do not have information on file and have requested said documents from original lender. they acknowledge the 12 day time limit but state they hope to comply with my request in 40 days, if the unlikely event that cannot obtain the information after 40 days, they will write again. original loan was 42K - do i sit tight and see if they produce documents or go for a silly F&F to clear up the matter on the basis they may take something now, in the event they do find the documents it may cost me a lot more in the long run ?

dx thanks again - I feel like I have a personal adviser here will keep letter safe, take this a win and ignore

dx that is entirely possible, or maybe they did notify me and I just sent it onto my DMP, once my DMP was up and running, I pretty much took little notice as although I know understand that was probably not the correct action, it did relieve a lot of pressure from me, all this arose from a messy divorce I will send CCA to Cabot today

dx - thanks for advice my only concern is, if this has been sold and new DCA start to chase me, would it be better to find out what this 'other' letter refers to, that's if it actually exists, not sure if they are just playing games I had this one confused with another re the amount - this was £1139 - still happy if it has gone

OC = Mint - credit card, outstanding balance not too large £835. I presume if Westcot are now saying refer back to Cabot, Cabot have bought the debt. Will CCA request to Cabot later today

I sent CCA to all debtors who my (now ex) DMP were paying, as you say Wetcloths (love that, lol) have fell over and passing me back to Cabot - so will send Cabot a CCA, Cabot have already conceded on one of my debts, hoping they do for the this and the other one i have with them. as previously reported my DMP is now cancelled and no further payment to any creditor until i get response to CCA request.

I send CCA to all my debtors, I have reply from Westcot advising that they are not the creditor but collecting on behalf of Cabot and that i need to either resend to them with postal order made payable to Cabot for forwarding or send direct to Cabot. 2 questions 1. shall I send direct to Cabot or go via Westcot 2. I read on other persons post a reply that said Cabot do NOT collect enforceable debt, I would really appreciate confirmation of this, as Cabot are collecting the largest debt i have, Barclays Loan, still awaiting a response to CCA for this one, although Cabot already replied to another debt advising they will no longer pursue chasing payment. thanks

Further to a cca request to Lowell, see my other post (do not know how to link posts) I have received the following: Dear Mr ******* your request for further information we refer to your recent request for further information regarding this account further to our letter dated 20th October 2017, please fine enclosed your returned fee of £1 in regards to your request for information under the consumer credit act 1974. at top of letter - its shows OC which was M&S store card it quotes the original account number and Lowell reference number and a BALANCE of £0 (was around 3K) I have no other letter, so not sure what they are referring to when they say 'further to our letter dated 20th Oct" It looks like a winner to me but shall i contact to see if there is another letter that i have not received, am thinking they may have sold it and that is why they show 0 balance thanks

Just received text from Cabot (they must have had number from very old contact), it reads thank you for your payments to Cabot, your next payment is due in 2 days.call us on XXXX if you need anything. very nice people, lol, but they will not be getting any communications until I get my CCA or written communications in response to my CCA request am wondering if this is a panic message or just because my DMP is cancelled ??

this and other forums provided me the confidence to act, reading other persons posts and the replies gave me renewed energy to move forward and try to get these debts cleared up. small donation made in my appreciation for what you guys do providing advice, hoping more to follow as I take future advice and move forward with closing out my debt

at least from your replies, it seems I am doing the right thing NOW. yes FA charged me £23 PM had PPI claim from Barclaycard last year, I got the money from that, it did not go to pay off debt will post new thread as the CCA story unfolds

Sorry if this is long winded, will try to get all info here on 1st attempt 5 x creditors total outstanding approx. 46K Barclays loan with Cabot – debt purchased by Cabot Barclays overdraft with Barclays Recovery – debt still with Barclays Store card with Cabot – this one is clear, see below Mint card with Westcot – not sure if bought or just being collected Barclaycard with Mercers – not sure if bought or just being collected Store card with Lowell – not sure if bought or just being collected All were in default but now expired (2016) on credit report, which is going in right direction. Entered DMP with Financial Atlantic (FA) approx. 2008, paying £150 pm across all creditors, have been model client and paying regular. During this year’s DMP review, it was clear that FA would not entertain any CCA requests and would only negotiate F&F at rate of 40%, plus there 10% charge on savings made. After checking forums, I decided to go for CCA requests myself, letters sent 1 week ago, Cabot already replied for the store card debt and will no longer pursue the debt as cannot obtain CCA, £3.3K gone. I asked FA to hold all payments to creditors pending CCA replies, they have now advised my DMP account will be cancelled and to continue discussions myself with creditors, I guess they saw what I was doing and wanted no part of it. FA will write to creditors advising plan is cancelled. My option, as I see it, is await for CCA results, if no CCA, debt unenforceable, ignore, if CCA, then maybe go for F&F starting at very low figure, I am guessing for bought debt, I have paid more than the purchase price already, others were only on token payment, duration left for each as per my DMP between 8 and 15 years, one (Barclays loan has 38 years at current payment) I understand these debts cannot be put back onto credit file as once defaulted that’s it, am I correct here? Has anyone done similar, what was result and how should I play this now.