A little help with capital one cc now with cabot

[bigal8000]

Hi all, i have been getting letter from cabots for the last 12 weeks (oct/nov 2015) now i have one from restons solicitors seeking immediate payment because cabot have now acquired the rights to the account on the 28th sep 15 (£900 cc) etc, this has to be paid by the 1st feb 16 or they have instruction from cabots to issue a county court claim. So the next thing i check is my credit record with noddle this is what i found:

Name Mr bla bla

Address bla

Date of birth bla

Account type Credit Card

Account number ****10500000000000

Account start date 20/08/2004

Opening balance £ 1,105

Repayment frequency Monthly

Date of default 08/02/2010

Default balance £ 1,105

i have 3 defaults oct,nov and dec 2015 all from cabot.

After digging a bit i found that the last payment to capital one out of my bank account was 16 sep 2009 and i am sure that was the LAST now does this tally with the default on noddle @ 08/02/2010.

Any help would be fantastic as i stopped working again in 2009 from a form of motor neurone disease ive had since i was 16 and i really thought my inlaws had paid all my debt off for me in 2009, so this was a real shock for me, just as a side note i moved in 2011 and never has a letter untill oct 2015.

 

Many thank al.

[nunnyrose]

I would send a CCA request to cabot. send it 1st class recorded delivery, and perhaps inform restons that you have made this request.

[dx100uk]

If your last payment was sept 2009 its statute barred

 

Ignore them

Unless/until they are stupid enough to issue a claim form

 

Dx

[bigal8000]

Thanks for the quick replays guy, two question does the Date of default 08/02/2010 sound right if my last payment to them was 16 sep 2009 seems a long time to make a default after the last payment 4+months, i have checked again and the only payment to them i can find is 16 sep 09. If it is statute barred can i get the oct,nov and dec 2015 cabot defaults removed ? because its just under 6 years between them. Once again thanks for any help.

 

Cheers al.

[Old Cogger]

usually defaulted any time within 6 months, does not mean last payment which is usually earlier so last acknowledgment date would be different

[dx100uk]

CAL MARKERS MEAN NOWT

 

use the dn inthe summary from the originhal creditor

 

its sb end off