Cabot bought old HBOS debt

[Ant80]

Hi folks, looking for advice, background here: http://www.legalbeagles.info/forums/...e-help-request

I have received the following from Cabot, who appear to have bought an old HBOS credit card debt. Alleged outstanding amount ~ £5k plus ~£500 in penalty charges. The card was definitely taken out pre-2007 - I have statements dating back to at least 2004, probably earlier. Specific questions:

- I found the 'Prove It' and non-acknowledgement-of-debt templates for CCA dealing with DCA, mainly here: http://www.legalbeagles.info/forums/...ing-with-DCA-s
I note the threads were started in 2008, is the method still valid, and any required amendments over the years?

- the BOS letter is clearly faked, printed off by Cabot as a batch with the other letter. Any mileage in this?

- I presume the mention of the data controller stuff is so they can mess with my credit record. I can live with the defaults from the original debt being on there, I'm not so fussed about a DCA buying the debt for peanuts and then starting to mess with a 'new' default. Anything I can do about?

This also runs concurrently with a HBOS loan deby bought by Lowell - I have started a similar thread on the Lowell forum, please let me know if it is easier to merge the two as I suspect the advice will be the same for both?

Thank you!

[FlamingParrot]

Re: Cabot bought old HBOS debt

I have answered your questions on your other thread: http://www.legalbeagles.info/forums/...577#post456577

At the moment both the questions and answers are similar, however, once you start posting agreements, etc. we could get confused with the two accounts, so may be best to keep them separate. Same question applies to this account with regards to CCA request. :typing:

[Ant80]

Re: Cabot bought old HBOS debt

Thank you FP - I have replied to similar on the Lowell thread. Same info applies here at the moment! Ta!