Can Cabot enforce based on attached Lloyds TSB CCA?

[dwr_fsg]

Cabot wrote to me to claim that a Credit Card with Lloyds TSB has an outstanding balance, latest £1,654.75 and that they were assigned the debt on 24/06/14 (they sent a copy of an assignment letter from Lloyds). I did have the card and I have no record of clearing the balance and want to know what enforcement action Cabot can take, if any.   

 

Regrettably I had made peppercorn payments up to 06/01/20 via Moorcroft (who I now realise are associated with Cabot) I also now realise these payments made statute barring impossible until 2026 so I asked for a CCA, the attached is what I was sent. My name and then address is covered up on the first page.

 

Look forward to your views.

 

Thanks

 

 

 

    

Lloyds TSB CCA (optimized).pdf

[dx100uk]

moorcroft are not part of the cabot group.

 

pers i'd ignore them until/unless they issue a letter of claim.

 

is the address correct for the time the card was taken out?

 

when did you take the card out?

 

where's your signature box and date...was there one, i cant see that page?

 

 

[dwr_fsg]

Thanks for rapid response.

 

OK I misinterpreted Cabot's statement in their letter that "The account remained managed by Moorcroft on our behalf."

 

Planning to ignore unless they issue a letter of claim.

 

The address was correct when taken out. 

 

Taken out 11 August 2009 according to Cabot.

 

No signature box or date!  

 

[dx100uk]

oh well thats fatal to any claim but don't ever tell the fleecers that

 

go radio silent until/unless you ever get a letter of claim as detailed above.

 

might be worthy to send HBOS an SAR

that way you'll get all the statements etc and be one step ahead.