Cabot financial ccj threat over Aqua card debt

[no more debt]

Hi there,

 

I've been chased by CABOT FINANCIAL for several months now for an AQUA CARD debt.

After ignoring the mass of phone calls which they also harassed my mother on a phone I used to call AQUA.

They also sent a stack of letter with increasing plea's to contact and arrange some settlement.

The latest now gives 14 days and threatens getting a solicitor involved leading to a possible CCJ.

 

The original debt is around one year old and I have not paid anything back after the credit card company referred the debt to a collector.

 

My parents are worried about the bailiffs knocking on the door

I need to take some action against CABOT and really not sure where to start.

 

Can someone could point me in the right direction how to start fighting the collection agency?

 

Many Thanks!

[filrobbo]

Send this letter:

[removed - dx]

Edited December 19, 2018 by dx100uk
our sar template removed

[Andyorch]

Mmmm no.... dont send the above.

[dx100uk]

yes I've removed it Filro.

 

...to the OP

 

bailiffs can never be involved until AFTER you lose in COURT

and the judge grants their user..months away if NEVER.

 

a dCA is NOT A BAILIFF

and has

ZERO

legal powers

so go put your parents minds at rest.

 

the best was you deal with this is to send cabot a CCA request.

 

this kills 2 birds

 

1. gives cabot your correct address

no more worry for your parents

 

2. puts them to strict proof they hold all the necessary legally enforceable paperwork to even pursue you.

 

dx

[no more debt]

Ok thank you I will send the CCA request and updated address. Do you think its possible to get them to stop contacting me by phone or is that a daybream?

[dx100uk]

simply block them

you should never discuss your debts over the telephone with ANYONE

least of all a powerless dca.

[no more debt]

I've tried and they use multiple number including different landlines and mobiles.

[no more debt]

----LATEST---

 

CABOT has replied with the attached letter. They claim not to have the documents but will respond with 12 days. They also mentioned there is a credit default on my account. I'm not sure what this means though I expect it will make it harder for me to acquire a loan, future contracts or a mortgage.

 

Please let me know what you all think. Is it worth settling with them and how bad is the credit notice for reduced settlements?

 

 

 

PS. Since I sent the CCA request they have stopped calling me. Though lets see if they get back on it once the xmas booze has worn off.

[dx100uk]

Std cca reply

 

When is this debt from?

 

The default would have been placed by the oc upon sale

 

Go look!