HSBC OD DEBT Marlin got Marstions to doorstep me now Cabot/Restons

[Creole]

Hi there, I'm back again for some much needed advice.

 

 

I have been receiving letters from Cabot financial for a while which I have been ignoring as I had thought it was statue barred - will be SB next year.

 

 

However, they have referred my file to Restons Solicitors Limited who have sent me a letter threatening court action.

 

 

I then sent them a CCA request (realised after, I shouldn't have given it doesn't apply to bank accounts - is this true?).

 

 

the CCA request was unsigned and they have sent the letter back stating they will not be dealing with an unsigned letter and want to deal with the correct correspondent.

 

 

Should I sign the CCA and send it back?

 

 

What should be my next steps?

 

 

Thanks

[dx100uk]

no you don't sign it and no you don't send it back

pointless anyway

 

 

what the debt who was the OC?

 

 

why do you think its not sb'd?

 

 

dx

[Bazooka Boo]

Cabrot and Pestons eh!

 

As above, CCA requests are sent unsigned, the fact that they have sent out the knee jerk reaction that you have to sign it, speaks volumes IMO.

[Creole]

Hmmm, but what do I do now? They have sent back the letter with the postal order. it was probably an overdraft - does CCA request apply to them?

[Bazooka Boo]

No CCA req doesn't apply to O/D.

 

I wouldn't do anything TBH.

 

If you don't know what this is about then they have failed to send you accurate information regarding an alleged debt they're chasing.

 

Unfortunately you fell for their trick and responded, so now they're going to bombard you with deforestation in an attempt to relieve you of your hard earned.

[Creole]

But I thought Restons are very ligitious.

 

 

I read that here and send them the CCA,

but I did put at the top of the CCA request 'I do not acknowledge ANY debt to your company'.

 

 

I'll go through all the letters I have been getting from Cabot to find out more.

 

 

Thankfully, I didn't bin them.

 

 

But any more advise on how to proceed would be much appreciated,

 

 

not sure I can just ignore them!

[Bazooka Boo]

So do you know exactly what it is they're chasing you for??

 

Check your credit file.

 

If you don't know what they're after then how can you possibly be expected to respond to them?

 

Unless you do know, then tell us and the correct advice can be given.

 

Is it even a bank account?

[Creole]

Ok, I'll go through the all letters over the weekend and come back here - they are quite a lot, I think. Thanks

[Bazooka Boo]

Check your credit file, you can do that today, Noddle is free.

[dx100uk]

what debt are they chasing [original creditor please too]

 

 

and when was the last time you paid anyone anything..

[Creole]

I've looked through the numerous letters they've sent me

 

 

came across a statement of account

it seems the last payment was in September 2011.

 

 

The original lender was HSBC Bank and it was for a bank account and therefore an overdraft

- the balance is just over £1200.

 

 

I'll request my report from Experian (I've exhausted the free period),

Noddle has nothing for me strangely.

 

 

Any advice on how to proceed with Restons before they take it to court?

[dx100uk]

they don't say will anything

old and new threads merged for history.

 

 

pers id be and I would ignore them..

unless they do issue a claimform.

 

 

did you get that sar running to hsbc when advised before?