Cabots/Resolvecall

by Jimmyjack Mon May 13, 2019 10:44 am

Hi folks,

Help please ... I'm a long time user of GOODF until it ceased. an alleged debt of £4427.86 originally to nationwide which went into default (according to noodle) in december 2013 has been passed around several dca`s and I`ve used 3 letter process estoppel, withdrawal of access,Trademarked my name ect. it went quiet for ages then it starts back up ,I'm assuming because it's getting close to statute barred.

so Cabots wrote to me today saying if they don't get a response they will pass it to Resolvecall, I am worried about this as I've read that they don't quit and they take people to court.

I've no problem resolve knocking on my door but i really do want to avoid a ccj.

should I three letter cobot, they haven't actually passed it onto resolve yet but when they do should I three letter resolve?

How likely are resolve to take me to court?

Also with statute barred , does the six years start the day after the last payment or when the bank send the default notice?

by Jimmyjack Mon May 13, 2019 10:45 am

thank you for any help and advice yall can give ,it'll be very appreciated

by waylander62 Mon May 13, 2019 10:51 am

ok the first thing i will ask from what you have already posted is when the last payment was made against this debt ?

did you receive an official default notice ?

by Jimmyjack Mon May 13, 2019 11:01 am

waylander62 wrote:ok the first thing i will ask from what you have already posted is when the last payment was made against this debt ?

did you receive an official default notice ?

Hi Waylander ,thank you for your reply, I am going through my paperwork now to ascertain these points but it may be that I don't have those items in which case I might have to SAR nationwide.

by waylander62 Mon May 13, 2019 11:17 am

that would be a good idea anyway

what about a notice of assignment from cabot ? do you still have that ?

by **Mrblue2015** Mon May 13, 2019 12:32 pm

Also, with your next letter to both Cabot and Resolvecall, enclose a removal of implied right of access letter which can be found elsewhere on this site:

https://goodf.forumotion.com/t264-removal-of-implied-right-of-access

by **Mrblue2015** Mon May 13, 2019 12:42 pm

Jimmyjack wrote:I am worried about this as I've read that they don't quit and they take people to court.

Yeah, and nor do we!

by Jimmyjack Tue May 14, 2019 10:30 am

waylander62 wrote:that would be a good idea anyway

what about a notice of assignment from cabot ? do you still have that ?

Sorry for the delay I've only just picked this up .... notice of assignment? do you mean the letter they sent saying they will pass it onto Resolvecall? if so yes I have it.

by Jimmyjack Tue May 14, 2019 10:31 am

Mrblue2017 wrote:Also, with your next letter to both Cabot and Resolvecall, enclose a removal of implied right of access letter which can be found elsewhere on this site:

https://goodf.forumotion.com/t264-removal-of-implied-right-of-access

Yes thank you, I have used it in the past and I will use again this time along with my legal notice of my trademarked name and fees for using it in any correspondence with me in the future.

by Jimmyjack Tue May 14, 2019 10:32 am

Mrblue2017 wrote:
Jimmyjack wrote:I am worried about this as I've read that they don't quit and they take people to court.

Yeah, and nor do we!

by waylander62 Tue May 14, 2019 10:49 am

no the notice of assignment will be from nationwide telling you they sold your debt to cabot, and cabot will have also sent you a notice of assignment telling you they have bought the debt.

this could be 6 months ago or a few years ago but it would have been sent at some point.

by Jimmyjack Tue May 14, 2019 12:11 pm

waylander62 wrote:no the notice of assignment will be from nationwide telling you they sold your debt to cabot, and cabot will have also sent you a notice of assignment telling you they have bought the debt.

this could be 6 months ago or a few years ago but it would have been sent at some point.

Ah right well cabot is just one in a long line of collectors , nationwide sold in originally to Moorcroft and I had the first notice from them on the 25/11/2014 to which I three letter/estoppeled them.

nationwide gave me final notice they would pass it to debt collection agencies on the 15/10/2014.

according to my noodle credit report the debt went into default december 2013, trouble is there was a several months that we used a debt consolidation company which would of paid nationwide a nominal fee I guess,which is why I'm going to have to do a sar request to nationwide to find out the exact date last payment of any kind was made.

is the a sar template on this site, I have one downloaded but its specifically for police records requests.

Many thanks again for the help x

by waylander62 Tue May 14, 2019 12:16 pm

to be honest i dont think they would have sold it to moorcroft as they dont buy debts as far as i am aware. so they would have been working on behalf of nationwide.

a SAR has to be the way forward because without it you have no real idea of any facts.

the debt consolidation company could be an issue because i thought this likely to be statute barred but possibly not due to this.

by Jimmyjack Tue May 14, 2019 12:36 pm

waylander62 wrote:to be honest i dont think they would have sold it to moorcroft as they dont buy debts as far as i am aware. so they would have been working on behalf of nationwide.

a SAR has to be the way forward because without it you have no real idea of any facts.

the debt consolidation company could be an issue because i thought this likely to be statute barred but possibly not due to this.

I will send nationwide a SAR this week (I've found the template on here now thanks) .

What do you think are my chances they will comply and tell me when was the date of the last payment ?

by Jimmyjack Tue May 14, 2019 12:38 pm

waylander62 wrote:to be honest i dont think they would have sold it to moorcroft as they dont buy debts as far as i am aware. so they would have been working on behalf of nationwide.

a SAR has to be the way forward because without it you have no real idea of any facts.

the debt consolidation company could be an issue because i thought this likely to be statute barred but possibly not due to this.

I think although I could be wrong but it will be statute barred at the end of this year going by the date of the default notice on noodle but I will sar request to make 100% sure.

It would explain why the DCAs have fired back into life again after 3 quiet years.

by waylander62 Tue May 14, 2019 12:40 pm

they will simply provide all relevant detail of the account, we will have to work it out from what we receive,

by Jimmyjack Tue May 14, 2019 1:12 pm

waylander62 wrote:they will simply provide all relevant detail of the account, we will have to work it out from what we receive,

Thankyou WAylander, hopefully it will show when the account was last credited. I'm going to three letter cabots and resolvecall ,how can I tell if they have purchased the debt or just working on behalf of the banks? it doesn't really say on the letters from them

by **daveiron** Tue May 14, 2019 1:47 pm

Purchasers

https://www.cabotfinancial.co.uk/

by **Mrblue2015** Tue May 14, 2019 2:00 pm

waylander62 wrote:no the notice of assignment will be from nationwide telling you they sold your debt to cabot, and cabot will have also sent you a notice of assignment telling you they have bought the debt.

Apologies for jumping in but it will be of use to JimmyJack Smile

Just to clarify waylander62:
Should you always have a NoA from both the seller (e.g. Nationwide) and buyer (e.g. Cabot)? I am aware of occasions where, in my experience, a NoA has been received from the buyer but NOT from the seller i.e. the buyer simply creates one itself with permission (?) from the seller...! And w/o both, the buyer's NoA is presumably worthless...??

Back to you other v important point ("a SAR has to be the way forward"): totally agree and that should - in theory - ensure you see any NoA that Nationwide (seller...) could have ever sent... Smile

by waylander62 Tue May 14, 2019 3:15 pm

agree with mr blue on both points

if this could be statute barred by the end of the year i wouldnt be too hasty with sending out letters. Cabot WILL have purchased this debt of that i am sure

resolvecall will be an agent acting for cabot with no power whatsoever but to write to you, so lets play a bit of letter tennis with resolvecall for 2 or 3 months then they can only pass it back to cabot.

i would not start the 3 letters certainly with cabot anyway. I personally would start by replying to resolvecall asking them who they are,in what capacity they are writing to you and to request more and precise details of what this alleged debt is all about.

just what i would do, others may differ in their opinion

by **Mrblue2015** Tue May 14, 2019 4:09 pm

waylander62 wrote:agree with mr blue on both points

Thanks Waylander62, thought as much Smile

waylander62 wrote: resolvecall will be an agent acting for cabot with no power whatsoever but to write to you, so lets play a bit of letter tennis with resolvecall for 2 or 3 months then they can only pass it back to cabot.

i would not start the 3 letters certainly with cabot anyway. I personally would start by replying to resolvecall asking them who they are,in what capacity they are writing to you and to request more and precise details of what this alleged debt is all about.

And again, agreed on the assessment / advice...

by Jimmyjack Wed May 15, 2019 9:27 am

waylander62 wrote:agree with mr blue on both points

if this could be statute barred by the end of the year i wouldnt be too hasty with sending out letters. Cabot WILL have purchased this debt of that i am sure

resolvecall will be an agent acting for cabot with no power whatsoever but to write to you, so lets play a bit of letter tennis with resolvecall for 2 or 3 months then they can only pass it back to cabot.

i would not start the 3 letters certainly with cabot anyway. I personally would start by replying to resolvecall asking them who they are,in what capacity they are writing to you and to request more and precise details of what this alleged debt is all about.

just what i would do, others may differ in their opinion

Great advice both and I did think along the same lines as its now a time game, I've not actually heard off of Resolve as of yet merely Cabots saying they will ask Resolve to call on me to ask me to speak to Cabots which I thought was a bit weird. I don't want to write to Resolve until they letter me so that I then have a reference to put on my letters to them. that's if they write to me, they may just doorstep me and leave a calling card but I already have my withdrawal of implied rights notice attached to the front of my house so if they come I'll point that out to them.

so for now I will just fire off my SAR request today.

Folks I really appreciate the help you have given me so far.

ps... I've just found the nationwide letter notice of assignment saying on 22nd october 2018 my account was assigned to Cabots and cabots letter which was posted 8th november 2018 states they have recently bought the account which I held with natiowide.strange wording but to me it means they have purchased the alleged debt.

by waylander62 Wed May 15, 2019 9:37 am

yes definitely sold to cabot surprised it is so recent though ?

do nothing until you hear from resolvecall it may be a visit or it may be a telephone call possibly a letter

if it is one of the first 2 simply tell them you have no idea what they are talking about and wish to deal only in writing, if a letter then we will see what the letter says.

by Jimmyjack Wed May 15, 2019 9:59 am

Redacted

by Jimmyjack Thu May 23, 2019 9:22 am

Ok so I have filed an SAR with Nationwide about two weeks ago, so now we wait ....

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