Drdensfairfax pre action protocol letter for Cabot on 2010 sold vanquis debt

[jj2011]

Hi,

 

Wonder if somebody could give me some advice please on how to tackle this best. Just a brief outline.

 

Had a nastyogram from Drydensfairfax with the normal

contact us to maybe agree an affordable repayment plan,

 

if you don't may seek legal proceedings for CCJ etc, with a load of information

under the "Civil Procedure Rules Practice Direction for Pre-Action Conduct"

 

This states the claimant

Claim will be for outstanding balance

Seek legal costs

then if they obtain a CCJ, the ways they will try claw the monies back.

 

Now I know that this was a Vanquis card account, which goes back to 2010

but the info on my credit file says that the default is registered to Cabot

and the credit file info only goes back to Jan 2012 (probably when they took on the debt).

 

What would be my best course of action be with Drydensfairfax.

I am trying to get my life sorted out and really don't want to get a CCJ.

I have no CCJ's on file, just defaults, which will fall off in a couple of years.

 

My financial circumstances are far better now than they was at the time I got into trouble.

The default date doesn't even look correct and

 

I certainly never received a copy of it as I moved in Jan 2011.

 

By my thinking, the default should have been done in 2010 not in July 2011

(which is approx 15 months after I started missing payments).

 

Many thanks

[renegadeimp]

If, may, could, might etc etc.

 

Can you scan it up, edit out personal info and convert it to PDF?

[jj2011]

Please find attached the letter with personal bits removed. It is the first letter I have received from them.

[renegadeimp]

Standard threatogram imo. If, may, might, could etc. Basically a regular solicitor for hire letter on a standard (sadly) template.

 

IMHO, i would simply ignore it. But others may want to add their comments first.

[jj2011]

Thanks for the reply.

 

If I get more, is it worth sending a CCA request?

[renegadeimp]

You could do, but they would return your money and say " send it to Cabot." My feelings are they are acting as a sol for hire. basically cabot pay them a couple of quid and say " here, send a few nasty letters and see if this guy pays up".

 

Of course, i could be wrong, but that's cabots normal tactics.

[fkofilee]

Too many Mights, IFs etc for me to really take this seriously.

I agree with Imp here and It might be worth going for a CCA Request to see if they really have paperwork.

[WelshMam2009]

I've also received the exact same letter.

Any update jj2011?