Cabot bought Lloyds account debt

[Southwest4]

I've got myself into a mess.

My husband died 6 months ago, and I just didn't keep on top of my Lloyds bank account and credit card.

I now have £180 owing from o/d on bank account and just over £800 on credit card.

I did contact Lloyds before my husband died to say I was his carer and could they freeze the daily payment fee on the accounts as I simply wasn't in a position to pay at that time, they did not acknowledge this and have only sent one letter before passing the 2 debts on to Cabot.

Cabot are phoning,sending letters etc daily. The small amount they've said to phone them to discuss payment. The larger amount they've said they will send an agent to my house to get me to liaise with Cabot, can they do this?

I'm fully aware I owe the debt but I have no means to pay at the moment. I am going through probate but this obviously takes time.

I have not liased with Cabot at all yet, what's the best way of me dealing with this please?

[echat11]

Hi SouthWest4

Welcome to LB

Firstly Sorry for your loss.

Secondly try not to worry

How old are the accounts?

Don't speak to Cabot over the phone, everything in writing.

a) Lets deal with the 'harassment', that's what it is. Send Cabot the following, make sure you get Proof of Postage.

https://nationaldebtline.org/get-inf...sment-warning/

b) Send Lloyds a SAR request (for bank account and Credit Card), make sure you get Proof of Postage. Go through the documents you receive, you might get the evidence, so you can make a formal complaint against Lloyds (follow their complaints procedure).

https://legalbeagles.info/library/gu...ccess-request/

c) Send Cabot a CCA request for the Credit Card, make sure you get Proof of Postage.

https://legalbeagles.info/library/gu...etter-example/

Update the thread when you get responses. Or when you feel the need to.