Cabot full and final letter - old welcome debt

[dx100uk]

give 'em till Thursday to comply with the CCA request.

 

dx

[ims21]

Three threads merged.

 

No need to start new threads for this issue....please keep to this one thread for the Welcome/Cabot topic.

 

Thread tidied.

[alydoc]

Hi guys some advice please.

 

I sent some letters as advised by yourself from a previous thread.

 

I sent the 10 pound postal order and letter to welcome and they replied in 4 days saying they have received my letter and looking into it, that was 34 days ago.

 

should I send anything or should I wait?

Is this normal taking so long?

 

secondly I sent a letter to cabot as they said they had bought the debt and 1 pound postal order and that was over a month ago.Also since sending letter they haven't contacted me once.

 

Is this normal they don't contact me and also should I be sending anything to them as its been more then 2 weeks as stated in letter to respond?

 

below is first thread I posted so you get a idea.

 

thanks

 

Hi guys

 

some advice please.

 

I failed to pay for a welcome finance agreement that i took out in 2008.

it has this month been sold onto cabot who have spoken to me on the phone to agree a Full and final settlement figure.

 

they have said i can pay a partial figure that will clear it to zero but will show on my credit file partial payment.

I asked them for settled or satisfied but they said they cant do that as new laws in.

 

I looked on all 3 credit files this week to see what welcome had put and its down as settled now after all late payments.all say same thing.

 

So here is my questions-

 

Shall i accept the offer or pay a small contribution every month?

 

As welcome have said its settled on file can cabot change that marking or set up a new marker

with cabot as the loan people as i dont see cabot on my credit file yet?

(but cabot informed me it would show after a few weeks)

 

what shall i write back to these people?

 

I am just confused why welcome have marked settled but cabot have said it will say partial when payed?

 

iv enclosed the letter sent by email.

 

also iv had no other information off them just welcome telling me to contact cabot regarding account being sold on,

should i request more info?

 

cabot customer

1:02 PM (4 hours ago)

 

to me

 

Letter below.

 

Thanks guys for any help you can offer.

 

 

 

 

 

 

Dear X,

 

We are emailing you in regards to the settlement of your account above.

 

We are pleased to confirm we will accept £2085.00 as full and final settlement, to be paid no later than 31st August 2013.

 

Once received and cleared on our system, we will report to the relevant Credit Reference Bureaux to advise them that this account has a zero balance and is partially settled with us. Please be advised this may take up to six weeks.

 

We trust this is sufficient for your records.

 

Yours sincerely,

 

Cabot Financial

 

0845 0700116

[dx100uk]

so they've failed the CCA?

 

why are you offering an F&F and sadly admitting the debt to them?

 

if they've failed the CCA request

you need to send the failure to comply letter to them

 

the SAR 40 cal days limit has yet to finish.

 

dx

[alydoc]

hi

 

could you direct me to the page for the failure to comply letter to send to cabot.thanks

[dx100uk]

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