Cabot Financial Email Threatens 14 days to legal action.

[stevejones]

Hi,

I have had a threatening email from Cabot Financial saying that their solicitor will commence legal action on a credit card debt (Nat West) for £10089.30. I never owed that much on the credit card, in fact it was my ex-wife that run up the debt without me ever knowing about it until I did a credit check after she told me she wanted a divorce. The debt goes back to September 2014.

Any advice?

[Celestine]

Ok, was the card in your sole name?
How did your wife manage to get the credit and conceal it? Was she taking out accounts in your name is what I’m trying to establish.
When you say ‘go back to 2014’ - do you mean they defaulted then?
when did you first hear from Cabot?
Also tagging pt2537 for advice

[pt2537]

Hi,

I have had a threatening email from Cabot Financial saying that their solicitor will commence legal action on a credit card debt (Nat West) for £10089.30. I never owed that much on the credit card, in fact it was my ex-wife that run up the debt without me ever knowing about it until I did a credit check after she told me she wanted a divorce. The debt goes back to September 2014.

Any advice?

Thanks Celestine

It would be helpful to know who the solicitors are, it would also be a requirement of the pre action protocol for debt claims that they serve a letter of claim on you and give you the opportunity to reply, have they done this yet?

[stevejones]

[QUOTE=stevejones;n1555942]Hi,

I have had a threatening email from Cabot Financial saying that their solicitor will commence legal action on a credit card debt (Nat West) for £10089.30. I never owed that much on the credit card, in fact it was my ex-wife that run up the debt without me ever knowing about it until I did a credit check after she told me she wanted a divorce. The debt goes back to September 2014.

[stevejones]

Hi,

I have had a threatening email from Cabot Financial saying that their solicitor will commence legal action on a credit card debt (Nat West) for £10089.30. I never owed that much on the credit card, in fact it was my ex-wife that run up the debt without me ever knowing about it until I did a credit check after she told me she wanted a divorce. The debt goes back to September 2014.

Any advice?

Two cards were sent - one for her and one for me. I put both cards in the safe as the pin codes had not arrived. My marraige was not too good at the time due to arguments over money, so I decided not to allow her to use the credit cards and we put the house up for sale. She managed to open the safe and use the cards. She concealed the fraud by iintercepting the post and making payments via cheque. I never saw the credit card statements. When the cards expired new ones were sent out. I never used the cards. She intercepted the new cards and took the one with her name on and started using it, again paying small amounts off without my knowledge. When we split up my solicitor requested all the letters and documents with my name on. In the package there was the post with my credit card still stuck to the paper (i never saw it and never used it). She then used the other card without me knowing. It appears that the card company had increased the limit several times. What I found out after the credit check and complaining to the bank was she had also set up iternet access to the account and did balance transfers. Again I was oblivious!