Cabot have been sold debts after PPI letter sent to creditors

[molly153]

Can anyone offer some advice/guidance.....

 

I recently sent an SAR to American express and discovered that I had PPI on the account from 1998 to 2001

(when the account was ceased due to financial difficulites)

 

It was a postal application form and the box for ppi was ticked (I don't recall ticking it but may have done)

 

American express have declined my request for the return of ppi saying there is no evidence that it was missold as it was not a requirement of the credit card.

 

I then received a letter from them and cabot (deed of assignment) to say that they have sold the debt to Cabot (balance is £1400)

 

I was paying a third party debt collector for this debt up until a few years ago when payments stopped and no one chased me for it - it is off my credit file as it defaulted in 2002

 

Question 1 - are they right in what they say about the PPI or should I take this to the next stage? if so on what basis?

 

Question 2 - Can Cabot have this debt put back on my credit file?

 

Question 3 - should I make an offer of repayment to cabot or wait unitl the PPI refund option has been exhausted?

 

ALSO - Another of my debts (creation financial services)

has also been sold to cabot (deed of assignment received this week)

 

I don't consider I owe them any money (balance is £1000) but the original debt was £751 and escalated with charges to £2,000

which i sucessfully challenged and got the PPI refunded to reduce balace to £1000

however over the last 10 years I have made repayments of £800 so I think the remaining balance is just charges that have been added.

 

Just to note I have not acknowledged cabot

- I have been ignoring the phone and not responded to letters until I get some advice hopefully from this site......

[dx100uk]

1 not they are not correct [mere speculation], its well known apex forms had the boxes pre ticked

 

2 no

 

3. per i'd ignore them. [sound like cash cowing to me]

 

as for the other one

if its charges , then no dice let them wriggle.

[molly153]

Thank you for that.

So what is the next step with Amex and the PPI? It wasn't an online application - it was a paper one (just to clarify) the box is ticked (with pen) but I don't remember ticking it - conjecture BUT the tick is different to the other ticks on the form (like the one for my title for example) which what makes me think it was ticked after I posted the application form off (but like I say - I can't prove this) What do I need to do? Refer it to the OBUSMAN?

 

I have read on the forums that Cabot can be aggressive DCA. Should I completely ignore them and hope that they give up? or should I write to them (I feel this will only serve to confirm that they hold the right details for me!)

[dx100uk]

you'll need to scan up the ppi stuff

how did youcomplain?

 

did you do an FOS CQ?

 

and a spreadsheet of what you had been levied

 

dx

[molly153]

you'll need to scan up the ppi stuff

how did youcomplain?

I just sent the FOS CQ. I didn't do a spreadsheet

did you do an FOS CQ?

 

and a spreadsheet of what you had been levied

 

dx

 

Shall I scan a copy of the FOS questionnaire and upload it?

[dx100uk]

what were you reasons for mis-sale?

 

dx