Re: Cabot SAR

They will be aware you own a property and are possibly banking on you still having it for them to claim on if you pass on. Plus it's nice for them to have outstanding debt of £40k on their books to make them look more solvent. ( That's an extremely cynical view I know) They may get wind of you selling and try court action to obtain a charge over the property, I'm suprised they haven't already tried that, but if they are aware there is no equity it probably wasn't worth their while.

Forget the novation / certified copies rubbish btw. Send a proper CCA request ( http://legalbeagles.info/forums/show...y-of-Agreement ) with a £1. If your letter included a formal request then that might still be okay but if it goes on about how you will invoice them and how you are known as Gprit from the Family Jeff - then start over xxx

Subject Access Request is a good idea so be interesting what they come back with on that, although it's only going to contain stuff since they took over the debt, nothing about how the original debt was made up. I'm sure you are aware that as long as you are paying £1 it won't go statute barred, so if /when you do stop you would have a further 6 years to wait before their right to claim dies, in which case you might be better keeping up with the £1 and hoping they don't make a move court wise..