Post Office Credit Card (JAJA Finance) sold to Cabot

[dx100uk]

because they were the original creditor 

7 hours ago, dx100uk said:

Post Office and AA credit card accounts transferred to Jaja | Credit cards | The Guardian

as i posted earlier

[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

[dx100uk]

good saves you the bother of puzzling what to do

 

hit letter of claim

follow post 2 there.

 

dx

 

[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.

[dx100uk]

follow the guide

100's have without these issues.

use the pdf in post 2

no reason here yet use the default

dx

 

[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

 

[dx100uk]

no you dont you... use the default as the guide says...

 

sec I 

yes

as everyone else manages to do

[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.

[dx100uk]

4 minutes ago, Archangel9 said:

the debt purchaser has yet to provide any or all of the required documentation.

 

as for the list well ofcourse as you type in the form it adds lines.

so does not need to fit in that tiny space.

dx

 

 

 

 

 

[Archangel9]

There is no form on the PAP.

[dx100uk]

eh?

 

the pdf in post 2 is the form you reply with.

 

this is getting like your mass confusion over sending VCS that CPR form over 15,000 people had used without problems

 

 

 

.

[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.

[dx100uk]

hit letter of claim.

goto post 2

there  is a pdf attached to that post at the bottom along with guidance text of what to put where.

 

download the pdf and open it in one of the many online pdf editor websites.

 

copy and paste the parts of the reply guidance in the post 2 text into the relevant places

 

put your name and address and their ref number up the top

 

type your name at the bottom.

 

job done.

 

same for the cca request

 

when you go to the post office to get the £1 po, pop it in with the cca letter.

hand them both over

get free proof of posting for both of them.

 

i would leave doing all this to close to your 30 days deadline to reply from the date you got their letter of claim.

 

dx

[Archangel9]

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

[dx100uk]

upto you

ideally as it says on the cca request it should goto the debt owner, but also it can equally goto the solicitors as they are the ones operating on behalf of their client's instructions,  the debt owner and sent the PAPLOC.

 

 

[Andyorch]

CCA section 78 can go to the Solicitor with regards to PAP (if not previously requested from creditor) 

 

 

 

.

 

 

.

[Archangel9]

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

[Andyorch]

Yes they should pass it on or deal with the request for their client.

[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

[Andyorch]

But you have defaulted and Cabot are now the legal owner of the debt so the default should be in their name. ?

[dx100uk]

'they' haven't.

the original creditor would have registered the debt with them.

once it's sold, the debt buyer name replaces that of the OC.

 

 

 

 

[Archangel9]

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

[dx100uk]

You mean you've yet to reply to their letter of claim?

 

Dx

[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.

[dx100uk]

well ideally you need to get your reply & CCA off in the next few days.