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I just want to run something past you all and see what you think.
I had two different credit cards taken out with the RBS group , I stopped paying in 2013 or so and after sometime both accounts stopped contacting me. In fact I have not heard from one for over a year and the other something like 2 years. At one time they were both sending me monthly statements but as i said, these stopped.
It seems that both accounts have now been sold to Cabot and I have now had two phone calls , one last week which I answered and they said were from Cabot , I said it was not convenient and to call back today and another today that i googled and was from DLC.
I am posting two separate CCA requests with separate cheques but in the same envelope to the head office in West Malling ( addressed to Deborah Green ). I would like to add something about only communicating in writing but not quite sure how to phrase this without actually admitting the debt .
I was thinking
Any thoughts?
On another sort of note, I have read that regular statements are necessary and while the creditor is in default , no enforcement can take place. Well surely if this is the case, now the accounts have been sold, the new owners can not send retrospective statements because at the time they were not the creditor- if you see what I mean
I had two different credit cards taken out with the RBS group , I stopped paying in 2013 or so and after sometime both accounts stopped contacting me. In fact I have not heard from one for over a year and the other something like 2 years. At one time they were both sending me monthly statements but as i said, these stopped.
It seems that both accounts have now been sold to Cabot and I have now had two phone calls , one last week which I answered and they said were from Cabot , I said it was not convenient and to call back today and another today that i googled and was from DLC.
I am posting two separate CCA requests with separate cheques but in the same envelope to the head office in West Malling ( addressed to Deborah Green ). I would like to add something about only communicating in writing but not quite sure how to phrase this without actually admitting the debt .
I was thinking
Dear Ms Green
Further to your letters and telephone calls , I would like to inform you I had previously instructed RBS not only did I not accept or acknowledge the validity of any accounts but I also did not wish to be contacted by telephone.
As you have now taken over these disputed accounts , I understand that you have also taken on all duties and responsibilities and as such further phone calls are breaching my previous instructions.
If I receive any more phone calls I will forward my complaint to the FOS along with recordings of any calls ,
For clarity, any communication must be in writing by post
Yours
Berti
Further to your letters and telephone calls , I would like to inform you I had previously instructed RBS not only did I not accept or acknowledge the validity of any accounts but I also did not wish to be contacted by telephone.
As you have now taken over these disputed accounts , I understand that you have also taken on all duties and responsibilities and as such further phone calls are breaching my previous instructions.
If I receive any more phone calls I will forward my complaint to the FOS along with recordings of any calls ,
For clarity, any communication must be in writing by post
Yours
Berti
Any thoughts?
On another sort of note, I have read that regular statements are necessary and while the creditor is in default , no enforcement can take place. Well surely if this is the case, now the accounts have been sold, the new owners can not send retrospective statements because at the time they were not the creditor- if you see what I mean
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