Cabot and HBOS Loan with faulty CCA.

[fletch70]

Quick overview

 

Halifax Loan in DMP until Jan 2012 still owe about 7K

Sent CCA request , unenforceable agreement came back i.e not correctly executed

 

Sold to Cabot

Letter sent saying HBOS had not complied with my CCA request (not strictly true - they had but it was inproperly executed)

 

Response from cabot 2013 saying further to my CCA requet they had requested the agreement

Next response (2013) saying no agreement , they would continue to ask

 

Oct 2016 new letter from Cabot saying they had been trying to contact me and would I contact them , I&E to fill in.

 

My gut says ignore for now

 

Any opinions?

 

Will be SB late Jan 2018

[dx100uk]

ofcourse

[martin2006]

Ignore everything, including the I&E until they issue a claimform.

[renegadeimp]

They bought a lemon debt. And since you contacted them theysrked you as a potential cash cow. Ignore them. If the oc can't get paperwork, Cabot will never be able to.

[fletch70]

They bought a lemon debt. And since you contacted them theysrked you as a potential cash cow. Ignore them. If the oc can't get paperwork, Cabot will never be able to.

 

Erm

I last contacted them in 2013 thats 3 1/2 years ago and they said that they would put my account on hold until they had a copy of the agreement. I hardly think that marks me as a poential cash cow- nothing paid to any creditor since Jan 2012

[renegadeimp]

You still contacted them. In cabots eyes it makes you a potential cashcow. You should know how they operate by now.

 

They know the rules very well. So let them trip up.

[fletch70]

As you say, I know the rules by now and sometimes, in my opinion, rules need amending hence my question.

Sorry if my response sounded terse , it wasn't intended to

 

I have to say Cabot have three or four of my debts that they last contacted me about in 2013, I am guessing that this is a way of trying to get me to acknowledge the debt

In 2012/13 of course I was in a different place and believed different gurus to what i now know

 

Just in response to Martin, my aim is that it never gets to court or even as far as a claim so if for any reason they issued a letter of claim I would react with requests for info as well as a S77 request.

 

I do have a copy of the agreement and the default notice, both of which are defective so i thing i am in a good place should i ever need to defend