credit account on CRF from Caboot

[osterly]

Hi All,

I had Barclay card in 2004 which was defaulted around 2009. it was showing as settled earlier, recent crf shows debt assigned to CAIS memeber (cabot). last year when i applied mortgage i found this out with lender it was not showing on experian, lender mentioned me about call credit when i requested the file i can see the debt as active from cabot , equifax also shows as active and up to date. Its not shown as Default.

I sent a SAR request to Cabot but they replied as saying they dont have any CC with them and debt is not enforceable but they refusing to remove it from CRF, i have my next letter which is asking to remove the the entry from CRF ( i found it on other forums) so is it worth sending letters to get this removed. if i negotiate and pay 20% will they clear it from file does it help me to secure mortgage. attached screenshot of CRF Please guide me.

[osterly]

Re: credit account on CRF from Caboot

Hi All,

I had Barclay card in 2004 which was defaulted around 2009. it was showing as settled earlier, recent crf shows debt assigned to CAIS memeber (cabot). last year when i applied mortgage i found this out with lender it was not showing on experian, lender mentioned me about call credit when i requested the file i can see the debt as active from cabot , equifax also shows as active and up to date. Its not shown as Default.

I sent a SAR request to Cabot but they replied as saying they dont have any CC with them and debt is not enforceable but they refusing to remove it from CRF, i have my next letter which is asking to remove the the entry from CRF ( i found it on other forums) so is it worth sending letters to get this removed. if i negotiate and pay 20% will they clear it from file does it help me to secure mortgage. attached screenshot of CRF Please guide me.

Last week Cabot updated my credit file with start date 01/01/2011 end date 1/01/2017- debt status active balance is same as debt
Does it help ? how does lender consider this?

[osterly]

Re: credit account on CRF from Caboot

Partially settling the Debt with cabot help my CRF? can some one help with my query plz?.

[Kati]

Re: credit account on CRF from Caboot

tagging [MENTION=48934]Debt Camel[/MENTION] ?????

[Debt Camel]

Re: credit account on CRF from Caboot

What payments have you made to this debt since 2009?

[warwick65]

Re: credit account on CRF from Caboot

Do you still have the DN from 2009 or a record of the credit file showing a default

[osterly]

Re: credit account on CRF from Caboot

Hi Debt camel,

Iam paying token amount 1 GBP /month.

- - - Updated - - -

Hi Warwick65,

Original lender marked the debt as settled and assigned to CAIS member cabot, cabot showing it as active account (DMP). no default registered from cabot.