Equidebt/abbey loan now sold to Cabot

[merbie13]

Hi!

We have received letters from Cabot saying they have taken over our Equidebt account.

 

Firstly they say the original lender is equidebt and its for a credit card,

 

when its in fact Abbey national and for a bank loan we had with them.

 

We did have a CCJ from abbey and then equidebt took over the loan

and we have been paying a monthly payment to them since up in till they went broke ,

 

this is all several years old,

 

I cant find any old paperwork as we have moved house since.

 

Could I have some advice on what we need to do as it seems that they haven't even got there facts right:-o

[honeybee13]

Hello there.

 

I'll move this to the debt collection forum and hope the guys will be along to advise you later.

 

My best, HB

[merbie13]

thank you

[Desperate Daniella]

Hi merbie,

 

Just to be straight: Abbey took you to Court and obtained a CCJ, and presumably the repayments were set by the Court? Then Equidebt took over and you made the payments to them?

 

So, when Equidebt went broke, you stopped payments and this is the first time you've heard from anyone since? How much was outstanding at the time?

 

How many years is "several years"?

 

DD

[fkofilee]

Hi merbie,

 

Just to be straight: Abbey took you to Court and obtained a CCJ, and presumably the repayments were set by the Court? Then Equidebt took over and you made the payments to them?

 

So, when Equidebt went broke, you stopped payments and this is the first time you've heard from anyone since? How much was outstanding at the time?

 

How many years is "several years"?

 

DD

 

Also the letter you've received could you post it up?

Take out all personal details... Cabot seem to have some interesting stories with debts they've bought from Equidebt.

[dx100uk]

urm..

 

I very much doubt abbey took you yto court.

 

this smells

if it wasn't EQ that got you in court who was it?

 

EQ rarely do court.

 

as for crapot, they have taken over SOME of the old EQ portfolio

 

they wont know about the CCJ ...SO DO NOT TELL THEM.

 

and most def stay off that phone!!

 

as a 1st off

 

i'd be sending crapot a CCA request.

play dumb admit nothing at this stage

 

we need dates and times please on this debt

full history please

 

might be an idea to get your CRA file too see below

 

tell us what shows about the debt and the CCJ there

 

have you ANY paperwork at all?

 

 

dx

[merbie13]

Abbey deffo took us to court and we had a CCJ.

 

I cant remember the figure the court said we had to pay each month

it was 30 something but over the years equidebt put it up and we were paying £45 a month.

Im thinking its about 8 years roughly.

 

The amount outstanding now is £11,308.77.

 

I shall not be speaking to Cabot on the phone as I always do stuff in writing

and reg post so not worrying about this at all,

 

just want some advice on what to do.

 

I shall get hubby to upload letter on sunday as I don't know how to do it.

 

I have had a couple of letters over the last few weeks but have been so busy and have only just made time to deal with it.

[dx100uk]

wow £11k and they've sold it on.!!

 

the thing is

 

if a judgement was made for £XXPCM by THE JUDGE

 

NO-ONE can vary that

 

SO....EQ are in contempt of a court judgement.

 

doesn't?? wipe the whole thing out

but

put a very dodgy slant on it for anyone trying to enforce the judgement now.

 

if it was 11yrs then prob yes was abbey that got you in court.

 

can you remember how repayment ever got sold to EQ?

 

dx

[merbie13]

Hi!

No cant remember how or when it got sold.

 

The original loan was for about £15k.

 

We have kept up with payments and got it down to the £11K.

 

Really not sure where I stand now,

 

esp as Cabot cant get there facts right on letter

[merbie13]

Hi !

Can anyone help me on this one ! Still getting letters from Cabot . Can u get a second ccj on a debt ?

[fkofilee]

Nope! You can't be penalised twice...

[merbie13]

Ok ! So what do I need to do as they're saying it's for a credit card

with equidebt but it's originally for a loan with abbey ?

[dx100uk]

CCA request time?

 

dx