old Halifax Credit Card with Cabot, ResolveCall chasing.

[schwetta]

Hi, I have an old defaulted Halifax Credit Card. It's dropped off credit report now, I am making £2 payment towards Cabot, last payment Aug 22. 

Halifax sold this account to Cabot atleast Jan 2020, or earlier, and I've had Resolvecall chasing me as DCAs for Cabot earlier in the year

 

Since this debt is covered by the Consumer Credit Act I will be sending CCA request to Cabot and ResolveCall.

Do let me know if you think otherwise,

 

Thanks in advance for your time on this!!

 

Halifax Credit Card £297.41
Last Payment: £2 on Aug 2022 to Cabot Financial
Original Lender – Halifax Credit Card 
Account Type – Credit Card
Status – Defaulted Jan 2013
Account Start Date – Jan 2009

[schwetta]

wow!! that concludes my sprint of individual threads on all outstanding debt. soul sucking work to finally do this 8 years later, but thank goodness... thanks all for your patience with me...

[schwetta]

Cancelled token payment and sent through a CCA to Cabot today...

[schwetta]

Cabot Response Halifax 7 Sep 22_Redacted.pdf

 

Just received a letter from Cabot dated 7 Sep (attached), saying they do not have relevant information on file but will be requesting a copy of the credit agreement from the original lender, this may take some time but they will write to me within the next 12 days with an update.

 

I had sent CCA Fri 2 Sep 22, and the 12+2 days expire on Fri 23 Sep 22.

 

I believe this means they have gone past the deadline and not produced a credit agreement, hence their claim is not valid anymore.

 

This one is a much smaller amount £289.41 so I guess their response would be different?

 

Thanks so much for your help as always!!

Edited September 23, 2022 by schwetta

[dx100uk]

12+2 working days from date of your letter

but its immaterial really as you've ceased payment already

 

until/unless they reply with an enforceable agreement, safe to ignore/stop payment to anyone that fail CCa request.

 

dx