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 ?

When they sent me the letter of claim, they sent me a statement of transactions from October 2017-March 2023. is that normal ? Im wondering if that’s all they have. Im just curious now. Is it 14 days I need to wait for a response ?

I just realised I’ve made a mistake when I printed my name in the paploc letter, I put my surname which different to the one on the debt. The debt is in my married name Will they just send it back to me

Ok all done and sent. i went first class and got proof of posting I will just wait for a few weeks and see what they send me. once they get back to me I will be in touch

Ok so tomorrow I will send the paperwork. quick question Dx…. on the CCA request is it section 77,78, or 79 ?

Yes it was an online sign up for aqua - and sorry I didn’t realise I was quoting every time. It doesn’t show like that on my side.

It is 30 days from the date of the letter right ? it’s dated 24th march but I only received it yesterday. So it means I have 25 days now … I will do this and completely it and send it a week before the 30 day to allow time for posting

For give me DX as I don’t have the intellect that you do. if you could clarify for me… send a cca request along with the completed form: — what completed form exactly ? Do I send both Cabot AND the solicitor the same pdf form on the thread?- NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAPLETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter box D tick I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation. box I tick I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form] what does it mean that CC is attached to this reply form?

Ok I’m not going to lie. I’m slightly confused. what reason would I give for disputing ? so basically I need to complete the pdf form in the thread and send that plus a CCA request to Cabot. and the same thing to the solicitor ?

Yes it is.

Yes Dx it has a letter of claim with it, a reply form and an I&E. If the default date was June 2017, will it SB at the end of June anyway ?