Yes sorry , CCA request * that should have been.

Ok so just about update. a letter from MC dated 31st July please note that your dispute is still being currently investigated. We are awaiting documentation and information from our client and the original creditor which may take some time. In the meantime your account will remain in hold. We thank you for your patience. still no response to SAR either

Just a waiting game. once I hear something more I will let you know but I do think that all they have is the statement payments they sent me with the letter of claim… and nothing more.

Ok so today I received a letter from Mortimer Clark and not yet Cabot … it says a bit about the debt- credit agreement entered Sep 2013, and terminated on 27th June 2017 and the bore agreement number xxxxxx the debt was then assigned to Cabot. Your dispute - we understand you are disputing stating the claimant has failed to previously ignored legal requests and failed to supply documentation. Going forward- we assure you that we will be conducting a thorough investigation into your concerns which may include contacting the original lender to obtain further information and liasing with other departments. in the meantime your account will be placed on hold. We would be greatful if you could supply us with any further information that you feel could assist our investigations Still nothing from Cabot even though I believe MC are their in-house solicitors.

I still haven’t heard a single thing. It’s been over a month. 5 weeks or so. Is it known that companies may sell it to someone else since if they know they don’t have the paperwork to do anything legally?

Still no response.

I’m not going anywhere Dx…. I was just asking for info when the 12+2 starts ..and yes I have the proof of postage too. I just thought they may acknowledge the cca request at least as I’m genuinely curious to see what they have

Still nothing. no acknowledgment. Does the 12+2 start from when they receive it ? it’s been 13 days since I posted the cca and the PAP loc reply

Ok so a little update … it’s been a week since posting the paperwork. I used to receive multiple calls from various numbers and places but 2 days after I sent the paperwork, that has all stopped. Not one call since Friday… so that’s 6 days. Funny that !

So it doesn’t become statute barred once the default drops from the credit file ?

I’ve been at the same address for 9 years. defaulted date is 27th June 2017-

6 months !!!!! I was expecting them to be quick. Within a few weeks at most.

Just a waiting game now

I didn’t pay anything since May 2022 according to their statement the solicitor send me, so I checked with the bank. Last payment was for £14.00 on 3rd May2022. I did set up to pay £1.00 a month in December 2022 to start jan 2023, but you told me to not be a cash cow so I didn’t make any payments hence now they’re pushing for a CCJ so since the debt comes statue barred in June I’m hoping they don’t have the paperwork on them that would make it enforceable.

From the solicitor 30 days ? I sent the CCA request to Cabot ..is that still 14 days ?