Cabot/Hoist x 2 Bank of Scotland Current Account Overdrafts

[Shooz91]

Received letter today from Cabot advising a company called Resolvecall will come to my door to get me in touch with Cabot RE BOS current acct OD for £763.

Also received a letter from Hoist Fianance for another BOS current acct OD £500- had no idea about either of these! 

I called Cabot (from withheld no) and asked for some info (did not admit debt etc) as I honestly can't remember anything about this account.

This is the info they gave me...

-BOS current account opened in Dec 2009 
-Defaulted may 2015
-Cabot purchased debt in July 2018
-Last payment made was £30 in 2019 but was a payment that Moorcroft transferred to Cabot!? I asked several times if this payment was made to Moorcroft in 2019 then transferred or if it was a previous payment- did Moorcroft hold the account prior to Cabot but the advisor did not know. 

 

Then called Hoist

-Current account opened in Aug 2010
-Defaulted June 2017

-Hoist purchased debt late 2019 but had been with several other agencies prior

-Last payment made was £54.26 in March 2020- £54.26- similar to above, not a payment made to Hoist, advisor kept saying a previous agency transferred them the payment!?

 

I can not find any trace of this payments- was hoping to go along lines of statute barred but not entirely sure where I stand with them both?

 

Edited August 25, 2021 by Shooz91
Duplicated

[dx100uk]

You must seriously stop using the phone!! Never phone a dca..ever.

 

If you have moved since then, simply cover yourself and write to each informing of correct address. Then radio silence until/unless you get a letter of claim

 

Dx

[Shooz91]

Cabot is the correct address however Hoist is an old address 

 

does letter of claim apply in Scotland? 

Edited August 25, 2021 by Shooz91

[dx100uk]

Unless you in writing informed the oc before sale or the dca since you moved... i wouldn't risk it. Just because a dca writes to your current address, means nothing.

 

Paploc does not apply no.

[Shooz91]

Thanks DX. What should I do now? Just worrying will catch up with me like current Nolans situation!

[dx100uk]

And you don't think it was planned this way...thats why they went for the claim with the best chance 1st...you found cag..unlucky cabot..

 

oD's are notoriously difficult to litigate upon

just have a search here for od claimform

[Shooz91]

Just had Resolvecall at my door RE the Cabot debt! I did not answer as he was a rather scary looking chap (I know they can not enter etc) but he has very kindly posted a note through the door.... 

'In light of the current pandemic we are looking to contact yourself, in order to understand your present circumstances'..... What has the pandemic got to do with it!!? 

Any advice? Really do not want these clowns knocking my door.

[dx100uk]

Just ignore them

stuff and all they can do

 

Dx