cabot 2 lloyds credit cards - not provided CCA after 12 days what next?

[AndyOrch]

Hi

 

It seems that Cabot Finnace has brought both mine and my wifes credit card debts from Lloyds, they have not provided a CCA in the 12 +2 days. What do I do next?

 

Nothing...apart from retaining the knowledge you are on the higher ground with any future decisions that may require being taken when dealing with Carboot.

 

Regards

 

Andy

[AndyOrch]

I would be grateful for some further advice,

 

I finally received a letter from Cabot Finance, saying that they cannot provide me with the requested information within the relevant time period, and they are continuing to request the information from Lloyds and the account will remain hold with the customer care dept until such time as they can comply with my request. They then state the credit agreement is unenforceable and they are not permitted to obtain a judgement or decree against me, however they then state I am obliged to repay the outstanding balance as confirmed in the letter going on to recommend that I contact them to set up a repayment plan.

 

Where do I stand at the moment?

 

It's there in black and white. They can't take you to court so just ignore them. They can do nothing and will probably pass this either back to Lloyds or another bloodsucker.

 

So if the claim is currently stayed...invite them to discontinue their claim...otherwise you will make application to strike it out with costs and attach a copy of their letter.

 

Andy

[AndyOrch]

My mistake I though you was subject to litigation...ignore that post ...but most important.. ignore them.

 

Andy