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cabot & Citi credit card


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Hi everyone.

 

I have cabot chasing me for £750 from a Citi credit card and I have no idea of where it has come from. they would not give me any details, so I have reported them to the FO, but they say that Cabots records show that i paid money up to 2009. I have asked Cabot for proof (signed agreements etc) but they have ignored me. They have even ignored letters that I sent saying that i have lived at my present address for over 6yrs and never seem anything to with Citi until they started writing to me 18 months ago. The FO have just sent me a statement from Citi which cabot sent them as "Proof" but it looks like my grandson could have done it and it also has my parents address (I haven't lived there for 28yrs!!).

The FO are saying that unless i have any other proof that it is not my debt then the won't stop them bothering me. I did have some paperwork from debts from my 1st marriage but they went a long time ago so i can't even check through them. I did pay off a couple early and got a discount. I know that Cabot buy these things in bulk and i am worried that one of these has found its way to them. There is nothing on my credit file about this at all.

 

Cabot say that they have the account number that monthly payments were made by but haven't shown them.

Does anyone have a copy of a 2004 citi statement this i could see please?

I am at a loss for what to do as i don't really want to just hand over £750

 

regards

JB

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if you have not made any payments or acknowledged the debt in 6 years it will be statue barred

 

if you want copy's of statements you would be best to do a subject access request send it recorded delivery with £10 fee to citi not cabot

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Do you have any bank statements showing that you made these payments?

 

Just send them this http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

Check your credit file and see if there is anything on it.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Would this perhaps be an old Associates Capital Corporation Card taken over by Citi

most of which have no agreements and Citi produce recon agreements when CCAd?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks guys for replying so quick. I have never had a credit agreement at my parents address for over 28yrs. They are saying they have proof that I was paying up to 3yrs ago but they have only sent a statement via the FO who have said they believe it. I have spoken to the FO but it has made no difference. He sent me the Citi statement last Friday and I have to talk to him this week before he makes his final decision, which at the moment is in favour of Cabot. All I have asked for is a copy of the agreement. If they have statements etc, why don't they have the rest. It just seems to me that they bought a settled account in amongst others and I am worried they will get away with it.

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Have you at any time had Citi card or Associates Card or any branded card issued or aquired by Citi??

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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So do you have your bank statements from 3 yrs ago?

 

This will tell you whether you were or had paid them anything.

 

Check your credit file and as for the FOS as far as you're concerned you have no knowledge of any such account.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

hi

 

i cant find anything i was going through a bad divorce several years ago. i just want something with my signature on it. is that too much to ask or should i just pay anyone who asks for cash!!

 

regards

 

jb

So do you have your bank statements from 3 yrs ago?

 

This will tell you whether you were or had paid them anything.

 

Check your credit file and as for the FOS as far as you're concerned you have no knowledge of any such account.

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Don't worry about the FOS, they nearly always side with their bosom buddies.

 

So did you send them a CCA request, and they have failed to supply it?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If they have failed to supply the CCA then send them this http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

 

Make sure you get 'proof of posting' from the PO counter which is free.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If they ignore it then you reciprocate and ignore them, if they are foolish enough to start messing about with your credit file, then you can sue them for defamation, last I heard that attracted a £1,000 compo cheque!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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