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  • That is a matter of some debate unfortunately......Depending which side of the fence you sit.......... Some Creditors are trying to bend the rules somewhat..........A rough guide obviously 6 years from last payment date/ Acknowledgement or 6 years from Default date - Best advice is just keep doing what you are now if it is working and post up if anything changes......Your doing great

    I would like to say June this year but it seems liable to some testing by the lenders/courts at the moment - Unless anybody is aware of any developments
    I'm an Official AAD Forum Moderator and a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of allaboutDEBT Ltd. Any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - find a solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it to abuse@all-about-debt.co.uk or send a message to any of the Forum Site Team. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • Originally posted by Spud View Post
      That is a matter of some debate unfortunately......Depending which side of the fence you sit.......... Some Creditors are trying to bend the rules somewhat..........A rough guide obviously 6 years from last payment date/ Acknowledgement or 6 years from Default date - Best advice is just keep doing what you are now if it is working and post up if anything changes......Your doing great

      I would like to say June this year but it seems liable to some testing by the lenders/courts at the moment - Unless anybody is aware of any developments
      Thanks, I don't expect anything different to what has been going on for the past year or so...I just ignore...file...and carry on. When June passes I'll move my papers into upstairs storage and forget about it all..and eventually recycle...Been a long wait.

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      • Our debts are SB in June this year and we've started getting letters from Cabot saying they haven't heard from us and to contact them - not had threats so ignoring them for now . Can't wait for June never thought this time would come around I kept reading other members threads that they were now SB and wishing it were me - but its come so quickly .
        _______________________________________



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        • They try to ramp up and scare close to SB , keep going so long now xxxx
          if you do it today and you like it you can always do it again tomorrow


          I'm an Official AAD Forum Moderator and a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of allaboutDEBT Ltd. Any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - find a solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it to abuse@all-about-debt.co.uk or send a message to any of the Forum Site Team. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username

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          • Hi, sorry if this is in the wrong place..

            ​​​​​I need advice on how to respond to a Formal Letter of Claim from Wright Hassall Solicitors on behalf of Cabot Financial UK Ltd.

            It relates to a loan, last paid in 2013. CCA request has not been sent. I have ignored everything received so far. This feels more serious, please can you help?

            ​​​​​​Thanks



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            • minxt

              Create a Diary (this helps you and the site to understand your Case and give good advice)

              https://www.all-about-debt.co.uk/for...3228#post43228

              To help me, to help you, please provide the following information for each account:
              • Type of account (credit card/loan)
              • Date commenced (ideally before Apr 2007)
              • Approx balance
              • Date last paid (approximate date you last made a FULL payment)
              • Are you on arrangement or not paying
              • Status (default/in arrears/up-to-date)
              • Account owner (who is writing to you, a DCA or the lender)
              Best if you could subscribe to AAD+ which gives access to the legal Templates

              This is a recent Case and the advice given is worth following.
              https://www.all-about-debt.co.uk/for...68#post1506168

              What was the date on the Letter Before Claim since you have 30 days to reply?
              Send the s 77-79 CCA Request send to Cabot plus 1 with the CCA request template (send recorded delivery and if with 1 postal order .
              Send a copy of this CCA Request to Wright Hassall

              Send a SAR Template to the ORIGINAL CREDITOR costs 10 send recorded delivery. This is important to see what Cabot know or don't know about your Loan!

              As regards the Letter of Claim Di's advice.this will need replying to before the end of the 30 days is up!
              So make certain that you do not miss the 30 days limit "..return the LBC response form otherwise they will issue a claim. Tick box D stating that you dispute the debt."

              Follow the above processes and you will get good advice

              Good Luck

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              • Cabot FCA smoke and mirrors? I came across this whilst looking into Cabot and FCA and am a little confused what they are trying to tell people, To me it just sums up their smoke and mirrors act. (sorry if this is in the wrong place i'm a newbie Ha Ha)

                http://www.cabotfinancial.com/import...n-with-the-fca

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                • Originally posted by fuzz66 View Post
                  Cabot FCA smoke and mirrors? I came across this whilst looking into Cabot and FCA and am a little confused what they are trying to tell people, To me it just sums up their smoke and mirrors act. (sorry if this is in the wrong place i'm a newbie Ha Ha)

                  http://www.cabotfinancial.com/import...n-with-the-fca
                  See Niddy's
                  https://www.all-about-debt.co.uk/for...50#post1291550
                  "..The exact reasons we want to keep sensitive if you don't mind..."

                  Be thankful that this site has a cracking good Legal Team!

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