pre action protocol help

[debbiexxx]

I‘ve received a letter from a solicitor saying they are acting for Cabot. They make the usual threats e.g. may do this + that etc. They mention Pre Action Protocols. I am looking for advice about how I can respond, I was thinking along the lines of. “Now you’ve mentioned pre action protocols could you send me a copy of the credit agreement that you will rely on in court”. Years ago Cabot sent me a single paged document with my signature but none of the prescribed terms. They have also offered various discounts over the years. I was wondering if I can ask for anything else that may make them back off.

 

The account is a credit card opened in 1999, the last payment or acknowledgement was Oct 2008. I have a DN which is compliant.

 

Any ideas about what else I can say.

 

Many thanks

 

Debs

[intend]

note it is not far from SB or is if in Scotland. They might be trying to action the action to get you to pay before time is up. Did you send the account in dispute letter when dodgy CCA sent? Or respond as you suggest. Or ignore til SB as letter the usual mays.