Equidebt now Cabot chasing co-op CC debt from 1996

[Steve5650]

On 23 May 2013 I received a letter from Equidebt saying that they were closing my file

as the could not provide me with a valid CCA.

 

Today I received a letter from Cabot telling me that they had bought the debt, and what was I going to do about paying it.

 

They also enclosed a letter from the liquidators saying that Equidebt entered administration on 17/6/2013,

and that Cabot had bought the alleged debt.

 

Before I start a fight with cabot (already had dealings with them, and beaten them!),

is there any mileage in the fact Equidebt closed my account before they went bust,

and therefore before Cabot bought it?

 

Any advice gratefully received.

 

Thanks.

 

Steve

[dx100uk]

I would send crapbot a copy of the EQ letter

saying no CCA.

 

is this debt on your CRA file?

 

dx

[Steve5650]

Thanks for paragraphing my post, dx.

 

Will send off a copy of that letter.

 

Noddle and Check My File are not showing this alleged debt.

 

Thanks.

 

Steve

[dx100uk]

prob well SB'd then.

 

you don't 'have' to enter into letter tennis

 

dx

[Steve5650]

Don't think it will be SB'd as was paying until fairly recently. Equidebt sent me a snotty letter so I made a CCA request and all they supplied was barely legible copy of an application form dated 1996.

 

After I let them know that this wasn't good enough they closed the account.

 

Thanks

 

Steve

[dx100uk]

god

so its prob more than 6yrs defaulted and dropped off.

 

so what was the original debt then being that old?

 

dx

[Steve5650]

Thanks for reply dx. It was for a CooP Bank credit card.

 

Only info I have is application form signed February 1996. Do not know when last payment was made before being passed to DCA, although I suspect it would be around late 1999/early 2000

 

Earliest record I can find of payment to DCA is mid 2007. Don't know if any payments made before that date.

 

Do you think the CooP would still have any records of the account, and would Equidebt have account details pre 2007?

 

Thanks.

 

Steve

[dx100uk]

equidebt were as a re cabot a DCA

they never have paperwork

just assume they can fleece people

by pretending with clever words to have some sort of legal powers

 

they don't in 99/100 times

pers i'd just be ignoring them

 

phishing trip.

 

to spoof you out of money.

 

dx

[cups]

Hi

After a 5 year battle Equidebt sent me a letter in March about a Co op debt, they could not enforce, case closed and l would not hear from then again.

Just got the Crapbot letter today, will send them a missive about the account being closed. Not doing it all over again.

Cups

[cups]

Hi

Sent my letter today, along with the Equidebt letter and email saying they cannot comply, case closed, will not be sold on.

Crapbot can go and whistle!!!

[Steve5650]

Looking for a little advice, please. Quick calendar of events -

21/3/2013 request CCA from Equidebt after being hassled to increase payment.

8/5/2013 non compliant Application Form received.

12/5/2013 send letter saying provide compliant CCA or close account.

23/5/2013 letter received from Equidebt saying they have investigated the matter and have closed the file, and will receive no further correspondence from them.

5/8/2013 letter from Cabot saying they have bought the alleged debt and inviting me to contact them to make arrangements to pay (in their dreams!). Ignored that and three subsequent letters, but now they have uprated their threatograms. Wondering if they can re-open a closed file, and do I need to respond to their letters, given that they are acting more aggressively now. Thanks.

 

Steve

[dx100uk]

cca them too

 

or send the letter from eq saying they dropped the lemon debt due to no cca

 

it this on your cra file?

 

what is the story of the debt please?

 

dx

 

dx

[dx100uk]

three threads merged

 

please keep to one thread per debt.

 

dx

[Steve5650]

Oops, sorry dx, forgot I'd posted previously.

 

Alleged debt details are as in merged thread.

 

Still nothing showing on CRA files.

 

Will copy the Equidebt letter to them and see what happens, athough I can"t see them giving up that easily.

 

Cups, have you heard anything from Crapbot yet?

[dx100uk]

if there has now or ever been a 6yrs period whereby you neither paid on the debt or signed a letter saying this is my debt

 

quite honestly i'd send the statue barred letter to them

[cups]

Hi

I actually got a letter from Crapbot the other day saying they had closed the file. I sent them 3 months ago my letter from Equidebt and told them they had bought a closed account, end of story.

They will take their time to reply l am sure, but once you have told them l would leave them to it.

Cups