Hi please can anyone help me with some advice? I have received a claim form from the County Court, Cabot Financial (UK) Ltd are suing me. It says that I owe Lloyds TSB £413.17. I don't owe Lloyds any money though. I did have an account with them but I closed it because I didn't use it. It was a zero balance when I closed it. I have looked but I no longer have the paperwork for this. I want to defend this as I don't owe the money, but I am scared as I have never had to do anything like this before. Does anyone have any advice? Thanks

. Hi Guys, I've had alot of debt problems from my past. Depression amongst other things led to me 'ignoring' instead of acting. I've recently received a CCJ for another debt which was devistating for many reasons. I now would really like to tackle my problems and sort them out. I've received a claim form from the above for circa £2500. This was for an overdraft from 2012. I know I do owe it. Maybe around £600 was daily interest. I would love to make this CCJ go away for now and try to deal with things. But I can't see how. There is a possibility I could borrow £800 max (very small chance). Is there any chance they would accept an offer of this to avoid CCJ? Any other advice would be appreciated. I would like if possible to avoid this CCJ and completely ruin my future further. Otherwise bannkruptsy might have to be done? I've just started a part time role and even then the security isnt guaranteed. I also have no assets. Thanks

Hi all I sent a CCA letter to Barclaycard with the £1 cheque on the 1st Nov 2007, and have had a reply back today. I would really appreciate some advice on the Agreement attached as I am currently out of work and can't keep up the payments. Mercers are harrassing me with calls and letters. Thanks, MC Barclays CCA.pdf

Hi guys. I hope you all had a great Christmas! I was until I received a letter from the County Court Business Centre on December 24th I have already located the form to fill out on here regarding the particulars, so I really hope someone out there can help. I will just get right down to it. Name of the Claimant ? CABOT FINANCIAL Date of issue – 22nd December 2014 Date of issue 22/12/14 + 19 days ( 5 day for service + 14 days to acknowledge) = 10/1/15 + 14 days to submit defence = 24/1/15 (33 days in total) - What is the claim for – The claimant claims payment of the overdue balance due from the defendant under a contract between the defendant and Bank of Scotland dated on or about March 02 2006 and assigned to the claimant on Oct 02 2012 in the sum of £1500 What is the value of the claim? £1500 Is the claim for a current or credit/loan account or mobile phone account? CURRENT When did you enter into the original agreement before or after 2007? BEFORE Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchase issued claim Were you aware the account had been assigned – did you receive a Notice of Assignment? I did receive Letter from HFX telling me all assigned rights are now Cabots (it wasnt letter headed as Notice of assignment though) . Did you receive a Default Notice from the original creditor? I remember a DEFAULT NOTICE SERVED letter from HFX in 2010. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? I was on a fee charging DMP for years, decided to try and negotiate myself after loss of job with a monthly token payment, never had a response. My financial situation worsened, got scared and stop communicating. What was the date of your last payment? Aug 2013 (According to Credit Report Was there a dispute with the original creditor that remains unresolved? I had previously wrote a letter to get numerous £35 charges removed. This was sometime ago and cant find the original letter I sent. Since then my financial situation has taken a massive downward spiral. Other than that I really cant remember anymore Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? As above I did enter onto a fee paying DMP but this account is largely made up of very high penalty charges (not including overdraft fees) I have registered with MCOL and got to the stage where I can see the claim against me, but not sure what to do next. It was a current account with an overdraft so I am aware CCA is no option? I owe various creditors and have been considering a DRO as the total (including this debt) falls just short of 15k. I have to admit, I got scared when the letter came through the door with the court claim stamp on it, it wasn't personally delivered however, just came via the postman. HELP and thanks in advance.

I am in need of some advice if anyone can help I have received a Claim form about a debt from 2002. I took an argos card out and had difficulty paying. I just ignored letters at first as I was not in any financial position to pay ( probably not the best idea) I have made no payments or contact with anyone about this debt for at the very least 6 years. I even checked with Experian and my credit history was clean. I just thought it went away so when i was in a position to pay didn't contact them. Yesterday I received a Claim form from the County court and I am not sure what to do. It states By an agreement between argos card services Ltd (ARG) & the defendant on or around 19/06/2002 (the agreement) ARG agreed to issue the defendant with a credit card upon the terms and conditions set out therein. In breach of the agreement the defendant failed to make minimum payments due & the agreement was terminated. The agreement was assigned to the claimant there fore claims £xxxx. I have read about this statue barred but not sure if this applies now because of the Court Claim. Any help and advise how to deal with this would be a great help Thanks

I took out a Citicard in 2002 and got into difficulties due to being disabled. The debt was transferred to Cabot in 2006. Initially I made a small token payment of about £1/month but after reading very useful information on this website about the CCA I decided to dispute it and stopped payments in 2009. I sent CCA and SAR requests to Citibank and Cabot. Initially, both said there was a delay in obtaining the CCA. But, in April 2010 both sent me the same copies of the CCA as follows: I cannot see my signature and therefore, I do not beleive it has the prescribed terms. It just has my printed name and address. On Christmas Eve I got a claimform filed by Restons. Issue Date: 22 December 2014 Claimant: Cabot Financial (UK) Limited Particulars of Claim: The Claimant claims payment of the overdue balance due from the defendant(s) under a contract between the Defendant(s) and Citifinancial dated on or about Nov 04 2002 and assigned to the claimant on May 30 2006 in the sum of £5400. What is the value of the claim? £5400 Is the claim for a current or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? Before 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. - Debt purchase issued claim Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, received copy not original Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Long term sickness/ disabled What was the date of your last payment? 09/2009 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? Yes ............................ I did receive a reconstituted Notice of Assignement (copy below) before I have no records of a default notice and definitely not every year. I ceased payments due to ill health. Full details of this was passed to Citifinancial and Cabot. Last Payment: 09/2009 I sent a CPR request on 03/12/2014 requesting a true copy of the credit card agreement and Notice of Assignment. I have no savings and I cannot afford any meaningful payment or maybe £5 to £10 per month due to me being disabled. I am quite prepared to go to court if I have a good chance. Is this worth defending? Please help.

Well they are like buses aren't they - I've heard nothing for months, well years actually and then 2 claim forms in 2 weeks - great!! I received this one on Saturday morning for an old Lloyds TSB loan that I took out in 2004. I just wondered if I could have a bit of help with it please. Name of the Claimant ? - Cabot Financial Date of issue – 10/12/2014 Date of issue 10/12/14+ 19 days ( 5 day for service + 14 days to acknowledge) = 28/12/14 + 14 days to submit defence = 12/01/2014 (33 days in total) - [EDIT 33 days is 11/1/15, but you need to file by 4pm Friday 9th - dx siteteam] What is the claim for – The claimant claims payment of the overdue balance due from the Defendant under and contract between the Defendant and Lloyds Bank - Unsecured Loan dated on or about Dec 24 2004 and assigned to the claimant on July 18 2014 in the sum of 7486 What is the value of the claim? £7486 Is the claim for a current or credit/loan account or mobile phone account? Loan When did you enter into the original agreement before or after 2007? No Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to Cabot Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I cant remember Why did you cease payments? - Financial difficulties - I had no work for a long period of time after having my baby (I was self employed) What was the date of your last payment? I cant remember Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes throughout 2008 - 2012 Madge

Hi, I recently received a Northampton County Court Claim Form. I have started reading here but as time is short i urgently need help to save myself from getting CCJ. Now, the claimant is Cabot Financial and Solicitor is Wright Hassall LLP. The original lender is CitiFinancial. Back in 2009 i made a CCA request to CitiFinancial but they didn't provide proper copy of signed agreement (they sent their standard terms etc) and therefore i have not made any payments for nearly five years now. The Claim Form Issue Date is 15 January 2014. I understand 15+5 plus 14 days for acknowledgement to court and a further 14 days to file defence. So i need to file my defence latest by 17th January 2014. I have already acknowledged to court and have sent a cpr31.14 to solicitor acting for cabot and have received reply within a week. I will post the reply here shortly. I really need help as to the best way to reply back to the solicitor and help in writing up my defence to court. I have also sent a CCA request to solicitor with £1 postal order two days ago. I will post the poc here and the reply to cpr31.14 that i got. Please put your input.

Hi Everyone, My sister-in-law recently received a phone call from a woman from Cabot (she has a payment plan in place) the woman said that as the last financial update was done last August it was time to do another one. previous to this I had always advised her re' her dealings with these people, but on this occasion she went ahead without talking to me first, during the course of the review my sister-in-law told the woman that her son was paying the council tax and rent, (her son has Aspergers Syndrome, Dyslexia and Dyspraxia and has a statement to that effect) the woman then went on to ask how much he received in benefits and also how much savings he had. My sister-in-law phoned me in a great state of distress, she is a pensioner with no savings and finds it very difficult making ends meet. I phoned Cabot and told them what had happened and that they had no right to probe into the boy's finances and that I am considering contacting the FCA. The person I spoke to put me on hold whilst he spoke to a manager, he came back and said that they were very sorry about the way things had been handled and that they would speak to the employee who made the call. To say that I am angry about this is an understatement, I really would be grateful for some advice as to how I should proceed in this matter on my sister-in-laws behalf.

Hi all, My wife had a claim from Restons on behalf of Cabot for an alleged outstanding debt. We decided to defend and entered her defence on the 09/02/14. Unfortunately I was completing the defence form online and signed it in my name as an authorised person - me thinking she needed to authorise me not the court - school boy error. The defence was rejected and we are now out of time. As yet no judgement has taken place. We had sent the CPR31.14 request, which Restons did not comply with, and this was the basis of our defence as we had no paper work to suggest that the claimant claims were legitimate and was asking for either additional time for Restons to supply the requested information or for the claim to be stayed. Does this error really allow the court to dismiss our defence no matter how relevant or can we do anything to re-instate the defence lawfully or get any pending judgement set aside so that our defence can be entered correctly? Any and all advice will be much appreciated. Thanks.

Dear All, i have recently received a number of calls and a letter from Cabot Financial ( a DCA) saying that i owe £5K on a credit card to Lloyds from 2004. I have told that I do not. They told me that they (Lloyds) have been receiving payment from me of £20 per month and the last payment was made in March 2014. Cabot have just bought the debt from Lloyds I have just checked my account and i have been making these payments over the past few years (didn't realize - stupid I know). I actually told them that i have not been making them! Since i have been making these payments I am unable to use the Statued Barred Limitation Act on this debt or am I? I have no debts at all and have a perfect credit rating and in limbo on how to proceed. Anyone who could help me I'd really appreciate it! Many thanks.

Just before Christmas I received a letter from the County Court in Northampton that Cabot DCA had decided to take a CCJ against me without warning. I have never heard of Cabot until then and the CC company had not informed me that they had sold my debt over to them? So instead of taking the advice of the CAB I who just want you to just cave in and take it. I decided to fight it with my very limited knowledge. Below is the letter I got back for Cabot Solicitors. My Defence was That I had not signed a contract with Cabot (which i know id weak) and that I had not had any letters from the CC company and Cabot telling me that the debt is now with them, which maybe my best hope of defence? To me it looks like they don't want me to defend myself and want me to cave in? Please can you give me some advice? Thanks

Hello please can anyone advise me . ..my story is I received a letter from Cabot Financial about a debt owed to Fashion World from 2008. They said the account was opened in my name although they are using a wrong surname on 30th september 2008 and a default was registered against me in December 2009. I sent them the letter stating I had no acknowledgement of such a debt and I would like proof of the original documents/agreement etc. They wrote me back on 30th December stating they couldn't find the records and they were pleased to confirm the account was reviewed and it was not only being removed from their collections process but it would be removed from my credit file within 8 weeks. Today I received a letter from Northampton Small Claims court for the debt that Cabot Financial have said I owe!! They have sent a settlement /mediation letter that I have to fill out and send back by the 16th of Feb.. .any idea on what I send them apart from a copy of the letter saying the debt wasn't recognised? I dont understand how they can do this legally when they have already said to be to basically not worry?? Never had a small claims letter before so not sure if there is a standard letter to send. ..like i said any help would be great thank you

Hi I have received a DCA letter from Cabot for a CC debt that defaulted May 2007 and haven't been in contact with them. In the meantime I had received letters from different DCA's as it has been passed around and was wondering if this would be considered statute barred. I assume that it is, but just wanted to make sure and if it is the case, do I need to write to them with a letter or complain to the OFT Thanks N

hey ive just joined, came across this on a google search. im having problems with triton too, as it happens theyve phoned me today. they sent a letter a few weeks ago regarding my natwest credit card. this debt had been frozen for one year as i became ill , and lost my job. now its active again, and triton are demanding the full balance. i offered ten pounds a month (im on benefits and have agreements for this amount with three other debt collection agencies). t hey set this up, then called a few days later, telling me that they couldnt accept the offer, and demanded either the full amount or 50 a month as the debt 'has' to be cleared in 6 months or they go to court. i told them to jump frankly. then called the debt helpline. they agreed with me - if i dont have it the court cant get it. i live with my parents, have no savings, no assets, etc. another note is i had insurance on my cards and loan, to cover all of them (alledgedly) - in fact three lots of insurance each covering all my debts. needless to say they refused to pay out. i next phoned natwest credit card services, to ask the bank to stop sending threatening letters (the tone of these triton letters and the people on the phone is not exactly 'good customer service'). the conversation went like this: bank: 'its now been handed to a... triton credit services' me: 'no im afraid you dont understand, triton credit services is the royal bank of scotland' bank: 'um... oh yes i am sorry they are employed by us' me: 'no i think you misunderstand, triton is the royal bank of scotland' then she tried to talk her way round it (unsuccessfully) and i think she was quite relieved to get this awkward customer off the phone. all went quiet, until today (theyve been ringing the mobile now). ive just been told triton have just been instructed by rbs to collect me credit card debt, a nd could i pay off the balance. seemed surprised when i said no. then asked how much i could afford. '£10' i said. next came the usual stupid question i get 'are there any friends or family who could give or loan you the money?' needless to say other people are hardly going to pay my debts for me. after i said no i got the reply 'well we will now have to hand this to the court for legal, blah, blah, expect in 7 days to reeieve a letter....' at that point i said ok in my most cheerful voice and hung up. my health condition has worsened due to this. i have no idea where either of us (the bank and i) stand legally on this thing, and could really do with advice. the cab is impossible to get hold of and im pretty much housebound anyway. im perfectly prepared to pay what i can afford, but wont be bullied or take any nonsence from these idiots. besides, my health is suffering again, and quite frankly it does cause me to over-react (sometimes to the point of losing my temper with them in a big way). i noticed , something about a letter. what is the purpose and possible outcome of this letter a nd how do i follow it up? exactly how does the rbs get away with these sort of tactics? sorry for the rant, joel

Please can you assist with pulling together a 'road map' of the following situation; Xmas Eve had a nasty surprise of receiving a Claim Form from Cabot Financial for an old credit card debt. Due to financial downturn unable to afford the repayments in March/April 2006. Defaulted and made peppercorn payments. Date of Claim Form 22 December 2014 Name of the Claimant : Cabot Financial (UK) Limited What is the claim for The claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Lloyds Bank dated on or about Sep 01 2003 and assigned to the Claimant on Jun 24 2014 in the sum of £13,303 What is the value of the claim: TOTAL £13,812 (Includes Court Fee £410 and Sols Costs £100) Is the claim for a current or credit/loan account or mobile phone account: credit card. When did you enter into the original agreement before or after 2007: Copy of the agreement/application shows date of 2 September 2003 for £8000 limit. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser; Cabot Were you aware the account had been assigned – did you receive a Notice of Assignment? NO Did you receive a Default Notice from the original creditor? Don't know have not got a copy on file. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO Why did you cease payments? The standing order to Apex, who were dealing with the case at that time, lapsed and did not notice . What was the date of your last payment? Last peppercorn payment was 19 Feb 2013 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes Citizens Advice Bureau helped us write letters and make token/peppercorn payments to all our creditors did not use a Debt Management Company.

Hi, really hope you can help, background first - I had a loan account with Halifax until I met my now husband, he joined it and became a joint account, Halifax gave us a very large overdraft of £4,600 (we were both earning well), and we had a credit card each, plus a loan through RBS. However Easter 2011 Halifax withdrew our overdraft with just a letter, it had been okayed in the February when they looked at it, and without out warning it was gone, it left us with a £4,600 debt overnight, we were getting married in the October, so we decided to remove all of our money from the bank and move to Nationwide, and have not had credit from anywhere since, by choice. They tried several credit companies to get the money out of us, and since then at some point i did the CCA on them, cant recall when. Heard nothing from them about the overdraft account, or the 2 credit cards, get an annual statement for the loan, and a statement for another account i had with them. out of the blue I received a claim form from Cabot and admit i ignored it, as I had all other letters, I have never had a letter from Cabot saying they bought the debt, just this claim form, have had another letter come, which I cant find now! saying it went against me in court and I have to pay £85 by 05/01 or else, they say they can enforce me, I assume send bailiffs round, which i want to avoid, we dont have anything to that value. first what do i do, and 2nd i have noticed the debt, doesnt say what its for, just an amount, if its my credit cards I didnt think it was this high, if its the overdraft then its a joint account why arent they going after my hubby as well. can anyone help me please, i have had my head in the sand a bit, my hubby has aspergers so is unable to help me, and feeling a bit overwhelmed by it all

So they sent me a court form today from Northampton, I've already cca'd them and they admit they don't have it, what's my next move, the court form came after the CCA was acknowledged as not being present, it may be a cross over but I dont want to ignore it. What should I do next? Acknowledge service? Or defend.

I received a superb telephone call yesterday from cabot, and it went like this... Cabot: Hello is that mr Sev? Me : Yes, who is this? Cabot: It's Citibank - er, I mean Cabot Financial, we own your Citiba.. Me : I know, what would you like to know? Cabot: Can you confirm your date of birth and postcode for security Me : Sure, it's blah blah blah... Cabot: Thankyou. We've currently got you down as being on an arrangement with us for the sum of £blah. I was wondering if we can look to increase this at all? Me : Not really, as I don't have a lot of kob certainty at the moment and I'm not going to commit to anything until the economic situation clears. Cabot: well, if you wanted to settle this we could make this very attractive, and offer you a substantial discount anything up to 20% Me : That's very kind, but I really don't have the means otherwise, i'd have called you a long time back. Cabot: Well, as it stands Mr Sev, your current debt at your current repayment will take 25 years to pay off, we could come to a payment arrangement for £95 pm which will clear it in 5 years. Me : Sorry, but as I said, I don't have the means. That's why you and I are even talking. Cabot: Yes, I understand that. Perhaps we could interest you in a loan to settle this? Me : I don't think so, you've already defaulted me on my credit record, as have all my creditors. What makes you think that I can afford or want a loan when I can't afford to pay what I've already got owing? Cabot: Oh, OK, how about relatives or frieds, could they not lend you any money? Me : er... let me think.... no. Cabot: Well could you stretch to a 10% increase, it's only 2 pounds. Me : I probably might, but I'm not commiting to anything at the moment. Cabot: OK, well i'll send out the paperwork, to confirm and just to let you know if you miss a payment there will be charges and late interest fees... Me : Send what you like, but i'm not confirming anything at he moment as I don't know if i'll even have a job at christmas. Cabot: Well we need to get this debt moving and i'll give you a call in 6 months to see how your circumstances are doing. In the mean time, perhaps you could ask your family or friends for money, or consider our loan service. If you have an unexpected windfall We'd make the settlement offer very attractive. Me : Ok, if I win the lottery you'll be the first to know. Thanks. Cabot: Goodbye. Me : *hangs up* Is the lift actually going to the top floor with this lot?

Hello This is my 1st post to the forum and need some advice. Cabot Financial have taken over 2 of my credit card accounts from Co-Op. Both accounts were defaulted but I have been in a payment agreement with the Co-Op for over 2 years. I have requested full details of credit agreements and a copy of the 'Deed of Assignment' but Cabot is refusing to provide this saying and I quote... " These documents are confidential between the original lender and us and as such, is not available for disclosure" Could someone please advise on my next steps for me to obtain the deeds of assignment. Many thanks

Hello, First post and I'm afraid it's for advice. I had issues in 2008 leading to me defaulting on 3 accounts in the latter half of the year. Whilst one has now dropped from my Equifax/Experian screen (so irrelevant) one remains and the other has never shown. The one that remains is for a credit card debt and is due to drop off on 23/12/14. According to my credit report, this debt (started Oct 2002) was originally valued at default to be £1000 and currently valued at £140 - though has not been serviced or acknowledged by me in any way since the default date. However, the R*tsons letter states a sum of £1000+ with a payment deadline of 12/12/14 before court proceedings are initiated. The other debt (an unsecured loan from 2006) which does not show on my report - and frankly I had forgotten I had - is for £700+via M*rtimer Cl*rke. The deadline for this is 10/12/14. Both letters arrived yesterday. I do not have any paperwork for either agreement - so in respect of the latter debt, I cannot confirm a default date. What is my path now? Do I sit on my hands and hope they are chancing their arm in a last gasp bid for recovery? Why such a discrepancy in figures for the first debt? If I contact either party, am I acknowledging the debts and risking extensions to their activity span? Can I delay any proceedings until the six year limit is up? It is so close. The latter debt is a concern as, whilst I don't have a definite default date I cannot be sure how long they have. Though as I defaulted on all debts simultaneously, it will be close to the limitation. I must confess to being a little panic struck by this as my financial record since the default has been faultless and I've actively protected what tatters remained of it, in the hope of starting afresh from my mistakes. A CCJ would be devastating. Any advice would be welcome and actively pursued.

Hi all, Had claim form as follows from Cabot Financial (UK) Ltd Solicitors Mortimer Clarke. Dated 15 September POC; By an agreement between Vanquis Bank Ltd ("VANQ") & the Defendant on or around 22/08/2006. ("the agreement") VANQ agreed to issue the Defendant with a credit card upon the terms & conditions set out therein. In breach of that agreement the defendant failed to make the minimum payments due & the agreement was terminated. The agreement was assigned to the claimant on 26/06/2011. The claimant therefore claims 746.09. Have today acknowledged claim on MCOL. Ticked will defend in full. Will send a CPR 31.14 by recorded delivery to solicitors. Can't send a CCA request as I have no account number or information. I have not received details of assignment etc that I can remember and have no recollection of when last payment was. Certainly over 5 years ago as thats the amount of bank statements online. Would appreciate any advice from more knowledgeable people.

Just received a letter this morning saying my account was now owned by cabot financial and was sold 24th june 2014. Ive been paying weekly for years and still have my direct debit paying welcome drect, they say they are only handling the payment and forwarding to cabot.... As this is a secured loan does this have any implications for my home? Ive rang welcome they said to contact cabot but i dont really want to until i have the correct info. Any help/advice would be appreciated. Thanks

Ok this is new, after being told that no dca will take you to court, this happens. Just received a claim form from Northampton county court regarding a aqua credit card debt 'assigned' to cabot financial (uk) limited. I have already started the defence process of acknowledge form with Mcol, cca request from cabot and cpr31.14 from mortimer. Could anyone explain why dca's are now doing this (as I am aware I am not the only one) I know that I will get all the assistance from the more knowledgeable members of this great site that has helped me before, so in advance thank you J

Evening All Received a letter today from Cabot advising they were 'referring' my account to Marlin Financial Services (all very nice at this point ) Now the debt is 464.19 - of which over £250.00 is late charges and interest from when I was unemployed! I plan to CCA them wondered if I should also ask for statements with a view to claiming back some of these charges. I'm also wondering who I CCA. Looking at the letter they don't indicate they have sold the debt to Marlin but Cabot definitely bought it from Capital One - so would I be right in believing Cabot are who I should CCA?