Cabot/clarity old next catalogue debt

[Skop123]

Hi

I have today received an external agency recovery notification that a debt has been passed from cabot to clarity.

 

The original debt is for next retail and is for 576.44.

 

Clarity are offering a reduced settlement of £432.33 or an affordable payment plan.

 

Do I contact them as I only have their word this is the correct amount as it was such a long time ago

( 5/6 years ago ) or do I ignore this letter until they send solicitors letter.

 

Many thanks for any help

[citizenB]

Are you absolutely certain that they say the account has been assigned to them ?

 

I am very surprised that Cabot are selling on debts that they have purchased ? Who was the original creditor ?

 

If you believe the £ being claimed is incorrect, then ask them to provide a statement of accoutn showing how the amount has accrued.

 

Do you know if htere are any default/penalty charges on the balance ?

 

Send a Subject Access Request to the original creditor - you should obtain statements or at the very least a complete record of payments/additions.

 

When was the last time you made any payment towards the account.

[oleg]

Skop doesn't mention assignment! Clarity appear to be just acting on behalf of.

[citizenB]

I was a little puzzled with the statement.. "should I ignore till I receive a Solicitor's letter" is I why I questioned this, Oleg.

[Skop123]

The ignore statement was due to being told to ignore cabot as once I made contact with them then they would be able to apply a new default onto my credit file.

[citizenB]

They CANNOT change the original Default date - they can only continue to update what was already there.

[Stigman]

Clarity are offering a reduced settlement of £432.33 or an affordable payment plan.

 

Do I contact them

 

it was such a long time ago ( 5/6 years ago ) or do I ignore

 

You need to be fully certain of either the last payment date or any written acknowledgement of the debt because this is very near to being Statute Barred hence the offer of a discount.

 

I'd personally hang fire until you fully know all of the facts.

 

The letters will increase in threats because of the near statute barred status.

 

Stigman

[dx100uk]

where are you getting this nonsense from about

they can register a new default

and not to ignore the solicitors letter?

 

you had a discount offered

that means there more to be had back than they are offering

 

get an sar off to the original creditor

and get reclaiming.

 

if you want to send the no powers DCa/fake solicitor anything

it should be a CCA request.

 

DCA's are NOT BAILIFFS

and never will be.

 

and stay off that phone to them

[Skop123]

Hi this is information from Noddle. However it says it's a cc debt and not catalogue

********7348 0

Account start date 14/09/2006

Opening balance £ 576

Repayment frequency Monthly

Date of default 07/11/2008

Default balance £ 576

[dx100uk]

really send the CCA request then too the DCA find out

.

 

 

dx

[dx100uk]

after a while it seems you do get an instore card...

 

The issuing of a Directory Card is subject to the way in which you manage your Next Account

[Skop123]

Hi

Can I just clarify. Do I need to send a SAR for this account ?

Many thanks

[dx100uk]

there is certainly no harm in send one to Next

will

be useful for PPI/PENALTY charges

[Skop123]

I have received a reply from my CCA' s sent to Cabot ( I sent 3 in total for different accounts ). Today I have received a letter from them.

 

" Our response to your correspondence

 

I refer to your letters received 17 July 2014.

Unfortunately the information provided in your letters does not correspond with any of our records. We are therefore unable to locate the appropriate account.

Please provide further details such as Cabot reference number or account numbers in order to enable us to locate your accounts.

We look forward to hearing from you in due course.

I trust I have set our position clearly.

If you have any further queries in relation to the above account please do not hesitate to contact me on 0845 026 0463. The Customer Care Dept is open 8am to 5pm Monday to Friday. "

 

The account numbers I has I had taken from the last correspondence which clearly stated my Cabot Reference numbers.

 

What happens next .?

[dx100uk]

what did they do with the £1 blank po's?

 

send them a copy of their letters back then with another copy of each CCA request?

 

dx

[Skop123]

They sent the £1 po's back.

[renegadeimp]

Sounds like theyre stalling.

[dx100uk]

and the £1 po's then

 

dx

[Skop123]

Ok thanks. Letters ready to go back tomorrow with photocopies of originals with Po's

[Skop123]

Hi

Letter from Cabot today to say that they have taken the decision to no longer pursue collection of this account however this does not mean debt is written off but the debt legally remains and they shall therefore continue to update credit reference agencies.

 

Spoke to nat debt line and they have advised me to send a letter out to them requesting that this does not get sold on to further agencies and have this put in writing.

 

Thanks for all the help

Skop

[dx100uk]

cant do stuff all without an enforceable CCA

 

that's why they'll sell it on.

 

nothing you can do

 

a lemon debt just does the rounds.

 

so hows the sar going and the reclaiming?

 

dx

[Skop123]

Hi

I have not sent SAR yet....should I still do this even though cabot are not pursuing it or should I just let it go now ?

Thanks

Chantal

[dx100uk]

yes reclaiming

 

dx