Cabot Financial - Lloyds Bank

[bezbo13]

Hi, my husband had just received a letter from Cabot. It's asking him to contact them to arrange repayment. Default date was the 4/12. Balance is £4850. Any advice on how to deal with this would be appreciated. Thanks in advance

[nemesis45]

Re: Cabot Financial - Lloyds Bank

Hi, my husband had just received a letter from Cabot. It's asking him to contact them to arrange repayment. Default date was the 4/12. Balance is £4850. Any advice on how to deal with this would be appreciated. Thanks in advance

Good morning.

Is this the first contact from Cabot?
Is there any mention of legal action in the letter?

What type of account was this?

It would help is you could post a copy of the letter after removing you name and address and any account numbers.

Please do not contact Cabot by phone keep everything in writing.

nem

[bezbo13]

Re: Cabot Financial - Lloyds Bank

Thanks for your reply. There doesn't seem to be any threat of Court action just yet but they're also contacting him on the phone....he just ends the call after they've confirmed who they are. It either relates to an overdraft or loan, he's not too sure as he had two accounts. Can you please explain how I attach a copy of the letter. Thanks

[nemesis45]

Re: Cabot Financial - Lloyds Bank

Thanks for your reply. There doesn't seem to be any threat of Court action just yet but they're also contacting him on the phone....he just ends the call after they've confirmed who they are. It either relates to an overdraft or loan, he's not too sure as he had two accounts. Can you please explain how I attach a copy of the letter. Thanks

Hi,

How frequent are these calls?

nem

[bezbo13]

Re: Cabot Financial - Lloyds Bank

[bezbo13]

Re: Cabot Financial - Lloyds Bank

He's received 2 but has not confirmed they've got the correct person, he just ends the call. I have uploaded a copy of the letter. Thanks

[nemesis45]

Re: Cabot Financial - Lloyds Bank

Well there's some nonsense there, the credit report is already affected by the defaulted account.

My previous question was how frequent are the phone calls.

nem

[bezbo13]

Re: Cabot Financial - Lloyds Bank

He's received 2 but has not confirmed they've got the correct person, he just ends the call. thanks

[bezbo13]

Re: Cabot Financial - Lloyds Bank

Hi Nem,

Since my last post, a further 2 calls have been received and promptly ended!

Are you able to assist with this matter?

kind regards

[nemesis45]

Re: Cabot Financial - Lloyds Bank

He's received 2 but has not confirmed they've got the correct person, he just ends the call. thanks

Hi bezbo.
What we are looking if this was to considered harassment would be 2 + calls a day at present the calls seem reasonable in frequency.

nem

[bezbo13]

Re: Cabot Financial - Lloyds Bank

Hi Nem,

Thank you for your reply. We will keep a track on how often the calls are if they increase.

Should we reply to the correspondence? I'm concerned they'll apply for a CCJ.

kind regards

[nemesis45]

Re: Cabot Financial - Lloyds Bank

Hi Nem,

Thank you for your reply. We will keep a track on how often the calls are if they increase.

Should we reply to the correspondence? I'm concerned they'll apply for a CCJ.

kind regards

Good morning bezbo,
Is there written confirmation as to what Cabot are chasing ? Can you post copies of correspondence please.

nem

[bezbo13]

Re: Cabot Financial - Lloyds Bank

Hi Nemesis, sorry for delay. Here is a copy of the correspondence. Thanks

[nemesis45]

Re: Cabot Financial - Lloyds Bank

Hi Nemesis, sorry for delay. Here is a copy of the correspondence. Thanks

Cabot is not mentioning any reason for contacting you and until they disclose what exactly the are pursuing I would not contact them.
There's just the barest detail re a Lloyds current account, do you have any history /details of this account e.g. when the account was last used?
Or the date the account was defaulted?

It may help to check your credit reference files, Noddle is Free Online.



nem

[bezbo13]

Re: Cabot Financial - Lloyds Bank

Afternoon Nemesis,
Attached is a letter revived today but dated 13/07/16, they're either backdating letters or its been sent via snail mail!!

Not heard anything further from Cabot but I'm sure we will soon.

Thanks for your continued help with this matter.

Kind regards