Requested CCA from Cabot in Feb - not received yet

[ZED]

Hi,

I wrote to Cabot in April (2012) requested info about whether they hold an original CCA or not.
This followed a bizarre letter from them, claiming that I owed them approx £450, and hadn't made a payment since 1^st May 2009 (unusual that they hadn't contacted me at any time during the 3 years to complain about the non-payment!) As far as I'm aware, the debt was fully repaid. (Incidentally the £450 debt consists of £330 that I allegedly still owe: the other £120 consists of 'interest charges'.)


Despite having requested the CCA info in April; and having repeated the request in May; I have still not had a reply.
However, this morning I received a letter to say that my account has been excalated to their "Pre-Litigation Dept" and if they don't hear from me (presumably they're not counting the April and May correspondence as "hearing from me"?) they may do one of 5 things:
1. Place a charging order on my property
2. Apply for an attachment of earnings order
3. Apply to the Court to "obtain information"(?)
4. Make me bankrupt
5. Send people to my house to collect the cash

Anyway, my question is this: Is there a legal time limit during which Cabot are obliged to send me the original CCA document?

Thanks in anticipation.

[dogtired]

Re: Requested CCA from Cabot in Feb - not received yet

Bump for you

[mystery1]

Re: Requested CCA from Cabot in Feb - not received yet

It used to be an offence if not replied to within 12 days after service of the request but no longer is. The courts have said they can comply with the request at any time.

They don't always comply before it's too late for them though. http://www.bbc.co.uk/news/business-13349239

M1

[ZED]

Re: Requested CCA from Cabot in Feb - not received yet

Thanks for the bumping dogtired ... and thanks for the reply mystery1.

In fact, I went to see a CAB debt advisor about this ... and ended up having to pay Cabot as I couldn't 'prove' that the original debt had been repaid. However, I didn't pay them the full amount ... the CAB person negotiated it down to £200 on my behalf.

In actual fact, what had happened 3 years ago - as I now recall, but still can't prove ... I was sent a Cabot-produced payment slip: which I took to the bank and paid with cash. No doubt I was given a receipt which has since gone astray. What prompted this memory was the fact that Cabot sent an identical Cabot-produced payment slip for me to pay this £200! The receipt, I noticed, was tiny: however on this occasion I paid with my bank debit card, so the transaction can easily be traced in future, should the need arise.
(A lesson learned!)

[dogtired]

Re: Requested CCA from Cabot in Feb - not received yet

oh dear, feel that cabot have been " unjustly enriched" been through the mill with them but all settled now via a ppi refund.