Cabot and tesco Credit Card debt - dropping SB card But adding 'new' card in December.

[SWLABR9]

I got advised a few days ago by Clearscore that Cabot were removing a credit card debt from my record and that would show up in my next report, 20th December. Clearscore know this, they tell me, as it's already on my Equifax report.

 

I'm aware it becomes SB on the 14th  December so I assumed Cabot had decided to cave on that one, it's from 2002 or back then.

We've been in communication about it years ago, I three-lettered them etc and it's obvious they have nothing they can go to court with so it makes sense for them just to drop it. 

 

Now though I receive info from Clearscore Cabot are adding a new credit card to my report.

I don't have any new card to add so they're clearly trying to resurrect my old card somehow, to give the alleged debt life yea even after being SB. 

 

Does the team have any idea of what's going on and what I should do about it please?  

[Andyorch]

Quote

I three-lettered them etc

 

 ......Speak to Clearscore and inform them.

 

Andy

[SWLABR9]

Thanks AO.

Should I bother sending the standard SB letter to Cabot?

 

I had intended to till just recently but they obviously are already aware of it anyway.

I'd do this after the due date has passed and I don't think I can inform Clearscore anyway till I actually receive my next report which will be on the 20th so, again, after the SB date has passed. 

[Andyorch]

Of course you can speak to  Clearscore now before its added...and ask why are they adding a new card/debt when you have not entered into any new agreements......its a simple question and subject to their response you can then inform them that its already been reported and will fall away on the 14th Dec due to its 6th anniversary.

 

Inform them that a default marker can only show n your file for 6 years as per the ICO guidelines....it cant be removed then re added.

[dx100uk]

three letter process

i hope you don't mean the FmOtL twaddle ?

 

 

[SWLABR9]

I think I started off with that. It was all a good while ago.   

[dx100uk]

you should know better...

 

how are you gauging the SB date?

what is the debt type and the OC?

 

[SWLABR9]

It's a CC, Tesco.

 

I three lettered Cabot, they sent the usual threatograms and that all died away...

I raised a dispute via Clearscore and Cabot sent me loads of crap from which, however, I was able to determine the SB date. And now here we are.

 

I have been trying to raise a dispute through Clearscore this morning and find I can't, their dispute procedure leads me to the Equifax complaint form which either suggests I raise the complaint first with the lender or sends me round in circles. So I can't get them to do it. That might change when it's actually on my report, I suppose...

[dx100uk]

still doesn't ans my question?

 

how are you deciding its statute barred?

record of payments

or 

registered defaulted dated date?

 

thats why the 3 letter FmOtL twaddle is so useless

all it does is show whomever you send it too you haven't a clue what you are going on about

so likewise they send the kitchen sink back.

 

was this a tesco bank issued card or one of the very old RSB tesco branded cards?

when does it originate from?
 

 

 

[SWLABR9]

Send the kitchen sink back they duly did but it didn't establish anything other than they had no basis for taking me to court.

 

It's from 2002, I gleaned from the details Cabot sent me that the SB date would be 14th December and now Cabot's actions would appear to confirm this.

 

I can't remember now whether this is derived from the last payment date or the registered default date.

I could go back through my acres of paperwork to check if you feel it's really necessary... but it does appear I'm right and now Cabot are just trying it on to be awkward. 

 

 Maybe they think they can sell it in turn. 

 I've never had a Tesco bank account so I assume this is an old RBS badged account, however, I recall getting Tesco letterheads in correspondence when I first disputed it. I'm filling in the Equifax form in the interim here, finally managed to get past their roadblocks.  

 

OK, I'm saying this:

"An account is being removed from my report (Cabot).

 

I imagine this is because it becomes statute barred on the 14th December.

I note that same account is marked as reappearing on my report.  

 

Cabot are already aware this will fall away on the 14th Dec due to its 6th anniversary.

I understand a default marker can only show in my file for 6 years as per the ICO guidelines...

.it can't be removed then re added, which is what we seem to be seeing here."

 

Sound ok?

If Cabot want to dispute it then I suppose I will have to go back through my reams of paperwork to justify it but I reckon this'll do it. We hope

[dx100uk]

its the defaulted date thats the important bit

if the defaulted date has reached 6yrs the card should not be showing anywhere

 

you seem to be getting tied up on things that don't really matter, thats the pifalls of reading FmOtL crap sites.

 

the statute barred date due to the age of this account is totally immaterial to if it should ever be showing or not.

its the registered defaulted date which maybe the date the OC sold the debt or before if you had defaulted earlier.

 

eitherway once the defaulted date reaches 6yrs, the whole account gets removed and cannot return regardless to any payment follow that date.

 

 

[SWLABR9]

off it's gone and we'll wait to see what comes of it.

 

I managed earlier to see off a CC claim by Capital/Lowells, I just bundled together bits and pieces from here I thought were relevant in a series of letters to them and they folded, nulled it.

 

I tried the Three Letters this time to see how it went.

So far, well, it's ok insofar as not being sued goes but I don't want this on my report for ever  

Thanks for your help peeps

[dx100uk]

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[SWLABR9]

 my apologies.