Post Office Credit Card (JAJA Finance) sold to Cabot

[Archangel9]

Hi,

 

It's been a while since I've been here, but I'm needing to send off a CCA again, but the wording in the final message is confusing:

Quote

unless you are responding to a court claim

you do not need to send a CCA by Recorded.

 

you can simply use 1st class and get proof of posting when you get the PO

 

pop it in the envelope with the letter

 

"pop what?" The CCA or the proof of posting?

 

Quote

and hand it back and get proof of posting which is free

 

And then get another PoP?

 

Thanks,

A.

 

[Archangel9]

I'm a lot behind due to being harassed/evicted/ill, I've not been paying them because I've not had the money to.

 

I've had letters from some debt collectors for a while, cabot and intrum,

I need to go through the letters again to see whether they said they bought it or whether it was passed to them,

 

I'll post tomorrow.

[Archangel9]

I wasn't paying *them* I was paying those (the originators) who shifted the debts onto them.

[Archangel9]

One's a CC and the other was an HP agreement.

[Archangel9]

These are different debts.

Those are dead and buried.

I do need to send the statute barred letters on those old ones as I never did do it.

Like I said, I'll post these ones soon.

Edited February 14, 2023 by dx100uk
unnecessary previous post quote removed

[Archangel9]

As I already said, I'll post the details when I dig them up, they're piled up.

But one is threatening legal action, I got a text off a "solicitor" today, dunno if it's real or not, could be bullshit scare tactics, the number is coming back as a solicitors and cabot. And I already posted *what* they are.

[Archangel9]

Ok, so they passed it to opos, then sold it to cabot, I've dealt with them before and they didn't buy the rights to collect.

 

I did get a letter from their solicitors this week but cannot find it.

cag.pdf

 

Tried to edit, but can't...But the gist of their letter was to contact them within 7 days, so if I get the CCA sorted today, I can send it tomorrow special delivery to ensure signature and they will get it Friday.

[Archangel9]

I have not moved yet, that is happening, just had some issues.

[Archangel9]

Took the card out over 2 years ago, not used it since 2021 I think.

 

Thing is, I am moving in the next couple of weeks.

Oh and cabot have put a default on my credit record, which I have emailed experian about, disputing it, but they've not put any notice on it saying so.

[Archangel9]

Does that even matter? It's 4 digits.

[Archangel9]

As I said above, I have some issues that I don't want to go into here, but one was lost a job.

 

But, what about the CCA and whether they have the right to collect??

 

Last payment that i can see on the banking app is dec 2020.

 

and I've found the application (for the card) date, it was Dec 2018.

 

and I haven't ignored them, not purposefully anyway; I've been ill.

Edited February 15, 2023 by Archangel9

[Archangel9]

Previously, the debts I had which were SAR'd, they returned stating they had not bought the right to collect.

 

Send the PO a SAR? What for?

 

[Archangel9]

You haven't, otherwise I wouldn't be asking.

 

You said "It might also be worthy to send the post office one," why would I send the PO one? That doesn't make sense to me.

[Archangel9]

Doh, of course, I wasn't thinking straight yesterday.

 

Anyways, today I got this along with a bunch of Q&A's entitied "Letter of claim details" and a reply form.

 

 

cag2.pdf

[Archangel9]

So I need to send this to the solicitor and remove the section where it says to or leave it, because they are not the creditor?

 

Also, which section do I need to remove reference to 77, 78 or 79?

 

and no need to write "payment included" on the back of the envelope and for special delivery for proof of signature any more then?

 

Ah, it's s78.

 

Do I need to fill in the name/address/ref on the PAP?

 

and what "reason" do I put in box D, it says on that page to use the reason from my thread, there isn't one mentioned yet.

[Archangel9]

I am following the guide, but if I'm asking, it's because it's not clear.

 

So leave the reason blank?

 

Am I supposed to write all of this in section I?

 

Quote

I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form]

 

I also require you to supply the following..

 

A copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

All Transactions.

Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA.

Details of all contractual interest added by whom and on what date.

List of ALL Payments made toward the Agreement

 

[Archangel9]

The guide says

Quote

I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.

So, as I don't have a "recommended reason" here, what do I put? And don't be patronising saying other people manage it, if the instructions were clear, I'd not be asking, would I??

 

As for Sec I, I'll have to put all that on a second sheet as it's too long to write.

[Archangel9]

There is no form on the PAP.

[Archangel9]

That's the one I have and there are no built in forms I can type into on that. There are on the CCA PDF, but not on this one.

[Archangel9]

they're both going to the same address, right? The solicitors?

[Archangel9]

But to confirm the CCA can also go to the solicitor.

[Archangel9]

Thanks. Is it worth CC'ing credit ref agencies due to the default they have placed in cabot's name?

Edited February 21, 2023 by Archangel9

[Archangel9]

I’ve moved since this, had the letter printed to go on Friday. Can’t find the letter, computer won’t work.

[Archangel9]

Yes

 

Yes, and I don’t get interest installed until Wednesday. I can’t tether this laptop to this phone without iTunes and bt isn’t working properly.

[Archangel9]

Yeah I know. But nothing is working. My computer is longer working, the laptop was never really working.