dont believe it!

[beaconsman]

Sent a defence in for my Lowell case, and woe and behold, letter arrives from cabot today saying they have sold a debt on to Clarity? The last one on my CF as default as well, not happy. defaulted in 2009...june...i think

More stress.

[nemesis45]

Re: dont believe it!

Hi What's the detail on the debt sold to Clarity?
If Lowell has off loaded it there is probably a problem with it.

nem

[beaconsman]

Re: dont believe it!

on the file, it says gone-away...
i really need this one to go, i was stupid and took out a credit card with capital one in 2008. (low wage), i did pay someone it off but it just spiralled. i think it is for £225..
Cabot have sold it on to Clarity. No full account details etc...as usual.
dated form clarity on 16th Feb 2015.
the offer is available from 28 days of the date the letter. (working days or just calendar days?)
If no settlement is entered into the it will be registered with a CRA...(it is already)
from Noddle..
acc opened 31-01-2008
date of default 12-06-09
only shows from ap[ril 2011 as default nothing showing as noddle wont go back enough..
As far as i know i haven't paid anything since the default date...should i just sit it out and send them letter with cca etc from 28 days of the letter?
I am sure they will claim for this before it gets SB'd...I am sure it is because i am fighting Lowell/BW legal....
Advice please (again)....thanks all..

[nemesis45]

Re: dont believe it!

Has Clarity contacted you yet?
Check credit file for this!
Last payment may be up to 6months prior to the default date, which is possibly why Lowell off loaded.

nem

[FlamingParrot]

Re: dont believe it!

on the file, it says gone-away...
i really need this one to go, i was stupid and took out a credit card with capital one in 2008. (low wage), i did pay someone it off but it just spiralled. i think it is for £225..
Cabot have sold it on to Clarity. No full account details etc...as usual.
dated form clarity on 16th Feb 2015.
the offer is available from 28 days of the date the letter. (working days or just calendar days?)
If no settlement is entered into the it will be registered with a CRA...(it is already)
from Noddle..
acc opened 31-01-2008
date of default 12-06-09
only shows from ap[ril 2011 as default nothing showing as noddle wont go back enough..
As far as i know i haven't paid anything since the default date...should i just sit it out and send them letter with cca etc from 28 days of the letter?
I am sure they will claim for this before it gets SB'd...I am sure it is because i am fighting Lowell/BW legal....
Advice please (again)....thanks all..

Are you referring to a claim or a default on your credit file? Your post below mentions a defence and you are posting in the Court claim area... :confused2:

Sent a defence in for my Lowell case, and woe and behold, letter arrives from cabot today saying they have sold a debt on to Clarity? The last one on my CF as default as well, not happy. defaulted in 2009...june...i think

What offer are we talking about? If they haven't issued a claim and you've not paid since 2009, the last thing you'd want is to be responding to their 'offers', regardless of whether it's 28 days or working days, you want to avoid acknowledging the debt. :scared:

Defaults are usually recorded 3 to 6 months after your last payment, if the default date is June 2009 then your last payment may have been in the first few months of 2009 (Jan to March) and this debt is almost SBd. You have to thread very carefully at this stage. If it was me, I'd wait till at least June to argue about the default dates to be sure the debt is SBd and would avoid doing anything to upset the apple cart until then.

Is the letter just a notice of assignment saying the debt has been sold?

[beaconsman]

Re: dont believe it!

please move to relevant area in that case. the web site wouldn't not let move around the forum and i could only post on this bit...had issues logging in today as well.

defence is for another debt with Lowells.

The letter from Crapbot just states it is an external agency recovery notification..nothing about a notice of assignment in the wording.

No claim has been issued on the debt which is SBd in a few months time. Just wondering how fast can they push for a claim...

Would it be SBd by the time all relevent paperwork is speeled out?

I have no intention to communicate with them until at least 28 days from the letter and that will be a prove it letter..

Next ones will be CCA and CPR...by that time I hope, this one will be an absolute defence (SB'd)

[FlamingParrot]

Re: dont believe it!

please move to relevant area in that case. the web site wouldn't not let move around the forum and i could only post on this bit...had issues logging in today as well.

defence is for another debt with Lowells.

The letter from Crapbot just states it is an external agency recovery notification..nothing about a notice of assignment in the wording.

No claim has been issued on the debt which is SBd in a few months time. Just wondering how fast can they push for a claim...

Would it be SBd by the time all relevent paperwork is speeled out?

OK, thanks for clarifying things for us. :thumb:

It's hard to tell what they'll do, just keep an eye on the post and do post up as soon as you hear anything..

I have no intention to communicate with them until at least 28 days from the letter and that will be a prove it letter..

Next ones will be CCA and CPR...by that time I hope, this one will be an absolute defence (SB'd)

...or not as the case may be, it may never reach that stage. Once it goes past the SBd date, any correspondence from them should be replied to with the SBd letter. Hopefully that will stop them on their tracks! ray:

[beaconsman]

Re: dont believe it!

Hi, sorry, family life beenhectic, daughters dance shows, we have hens now (dont ask) and a 10x8 greenhouse..so things been on the back burner, I am getting there! nothing as of yet from latest pond life...

[Kati]

Re: dont believe it!

Hi, sorry, family life beenhectic, daughters dance shows, we have hens now (dont ask) and a 10x8 greenhouse..so things been on the back burner, I am getting there! nothing as of yet from latest pond life...

you've got chickens?? Good Luck!! :tinysmile_twink_t2: