HSBC Loan Cabot chasing 6yr+ Default.

[KP44UK]

Thanks for reply DX,

no didn't hand write or sign anywhere, everything on the CCA request and PAP reply was typed. I had Royal Mail make the Postal Order out to Cabot Financial as I had done couple of years ago.

After they tried to concoct a CCA I've been staying away from writing anywhere. They sent the PO back I will post attach it on here when I get home.

Edited May 25, 2023 by KP44UK

[dx100uk]

the guide says leave the PO  BLANK.

cash it and send a blank one with a new CCa .

 

dx

 

 

[KP44UK]

Ahh got it. I will send one out first thing tomorrow.

Mortimer want it sent to them, however I believe the guidance says send to the DCA not the Solicitor (I appreciate they are the same company). should I ignore them.

With regards to the 30 day to reply to PAP. where do I stand is it just a case of waiting to see where they go next.

[dx100uk]

they are not the same company

one are a solicitor , the other a DCA.

they are both part of Cabot Credit Management Group Limited

CCA request goes to the debt OWNER cabot.

as for pap and anything now to do with this debt going fwd.....

yours is not the next move.

 

[KP44UK]

Thank you DX !

[KP44UK]

Just an update. Please see attached.

So Mortimer Clarke have not come back with anthing but my phone has been ringing at least 3 times every single day to no avail.

Cabot have written back after CCA request saying I have not specified what's wrong with what the sent and they have the right to enforceable the debt and they can obtain a CCJ bla bla but they would rather to speak to me etc. see attached letter extracts. The also sent the same pack as before which they claim is the CCA but that was already called out on this forum to be an Application/decleration.

cabot .pdf

[dx100uk]

On 25/05/2023 at 17:54, dx100uk said:

yours is not the next move.

 

[KP44UK]

I'm changing address in a week and a half. How do I protect myself against a backdoor CCJ. Cabot and Mort Clark have been very quiet so far, no news from them at all since telling them their documents did not pass the test. Do I need to get a certified copy address change letter.

[dx100uk]

no you simply send anyone that owns a debt you last paid/used in the last say 7yrs a simple letter stating re debt your ref no. xxxx

original creditor xxxx ref number xxxx

please note my new address.

dont forget to inform DVLA too!

each licence holder must do it

and you must do EACH cars v5c.

all should be done separately 

[KP44UK]

Just a further update. Mortimer Clarke have been in touch and their words have been quote: 

"We enclose an income and expenditure form for you to complete in order for our client to assess offer of repayment. Should we receive  no response it is our instruction to issue a County Court Claim."  

I have just sent back a notification of address change.

My thought is the as advised on hear earlier, the next move is not mine.

[dx100uk]

yep your financial situation is none of their business.

only a judge can demand to see that .