Defaults / Fraud / Help

[happines79]

I am currently in the process of trying to clear up my credit rating/file after a disastrous 10 year relationship

and bad money management during that time.

 

Its coming up to 9 years that I have been credit/debt free or so I thought,

 

the ex of said 10 year relationship fe

lt the need to open up various credit accounts in my name,

from a credit card with Capital One,

to 2 phone contracts (orange and T-Mobile),

a few catalogues (SimplyBe (no idea why he did that) &Next)

even the odd book club etc at both the family home (before & after I moved out)

and my last address (he no longer knows where I live)

all without my knowledge.

 

He since spiralled out of control with his debt and went bankrupt,

but left me it seems with 6 defaults on my credit rating that I am not the owner of!

 

One will end in December, another March 2015 and the 4 remaining in 2017

 

I have already managed to get Capital One to remove one default noted against my account and I now have a CIFAS logged also.

 

to the current issue at hand,

 

on the 24th May 2014 I received a letter from Cabot Financial, which consisted of 3 pages

 

the first was dated 12th May 2014

the first page holds lots of information from Cabot's reference, original lender,

that account number, the amount I currently owe, any arrears, minimum payment,

credit limited and the date the account was opened,

 

the second page is a statement of account, which is dated the 7th May and the 3rd is a blank page and a payment slip.

 

I am a little confused as the account in question was opened in 1997 belonging to Next

(quiet probably my original account I opened when I was 18 so nothing to do with above potential fraud)

 

its states that I currently owe £0 the account is in £0 arrears, £0 minimum payment and a £0 credit limit.

 

Then it goes on to state that the letter is my agreement with Cabot for the period covering 1st November 2013 until 30th April 2014

and I need to make minimum payments to avoid my account going into arrears?

 

Ive checked my credit file this morning and I do have a default on my credit file with Cabot

which dated back to 2005 and has a default date of 2008 with a balance of £153.

 

When I originally checked my file it was on my list as potential fraud by my ex as I don't remember opening anything in 2005.

 

I am at a loss of what to do next so any help would be gratefully received!

[BRIGADIER2JCS]

Hi Welcome to CAG,

 

 

 

 

When was the last payment made on this account, what is the exact date of the default on the credit file?

 

 

My guess is Cabot are pulling a fast one here as the probability is the debt is about to become statute barred or already is.

 

 

Do Not Contact Cabot By Phone!!

[happines79]

Hi

Thank you for getting back to me so fast!

 

The letter only states the date the account was opened which was 16/10/1997

(I would have been 18 and 2 months at this time)

 

the letter itself does not state when the last payment was made etc, all monetary values are at nil.

 

Experian states the following ( I hope it makes sense)

 

3 payments where recorded, 1 in the 49-60mth bracket, 1 in the 37-48mth bracket and 1 in the 25-36mth bracket.

 

It was started on the 07/06/2005 with a balance of £208

the default was logged on the 05/12/2008 with a balance of £153.

 

In the Gone Away section I have a date of 01/03/2013.

 

I'm not sure if the two are even related but this is the only Cabot thing I have on my credit file,

 

also why are they chasing me for a nil balance going back to something that opened in 1997

but not giving any further details, such as default date, When I apparently stopped paying etc

and surely if its a nil balance I obviously don't owe anything so why chase??

 

Confusing much!

[happines79]

Can I also just say that I have no idea what to do about the Cabot default logged onto my credit file as I have no knowledge of it anyway if the two are not the same?

[BRIGADIER2JCS]

Hi

Thank you for getting back to me so fast!

The letter only states the date the account was opened which was 16/10/1997 (I would have been 18 and 2 months at this time) the letter itself does not state when the last payment was made etc, all monetary values are at nil.

Experian states the following ( I hope it makes sense) 3 payments where recorded, 1 in the 49-60mth bracket, 1 in the 37-48mth bracket and 1 in the 25-36mth bracket.

It was started on the 07/06/2005 with a balance of £208 the default was logged on the 05/12/2008 with a balance of £153. In the Gone Away section I have a date of 01/03/2013.

I'm not sure if the two are even related but this is the only Cabot thing I have on my credit file, also why are they chasing me for a nil balance going back to something that opened in 1997 but not giving any further details, such as default date, when I apparently stopped paying etc and surely if its a nil balance I obviously don't owe anything so why chase?? Confusing much!

 

You have 2 choices in reality, 1. Ignore Cabots letter and see what they come up with next or 2. send them the " prove it" letter from the CAG library.

 

 

Personally I'm not a fan of templates.

 

 

My response would be:

 

 

To The Compliance Manager

Cabot Financial,

 

 

Ref: use theirs:

 

 

Sir/Madam,

 

 

I refer to a letter from Cabot dated XX.XX.XXXX, I no knowledge of any such debt and accept no liability for it.

 

 

Therefore I will not enter into further correspondence with Cabot as I consider the matter closed.

 

 

This will either provoke a response with more details of the alleged debt or they will go away.

[dx100uk]

can you scan up the letter you have please

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

you can click on your links to check them too!

.

dx