Hi

i have some debts that have been passed to third parties eg Cabot, Lowell, PRA. Some have been passed on more than once. Ive been paying for quite a number of years so most outstanding balances are 40%/50% paid. Whats the best way forward with these ? As ive accepted the debt ( although the majority is my ex's ) & been paying should i continue or think about making settlement offers. I did ask for advice on here years ago but i didnt dare stop payments.

Please find some info below

[TABLE="width: 757"]
[TR]
[TD="class: xl65"][SIZE=15px]original lender[/SIZE][/TD]
[TD="class: xl65"][SIZE=15px]Start date[/SIZE][/TD]
[TD="class: xl65"][SIZE=15px]date transferred[/SIZE][/TD]
[TD="class: xl65"][SIZE=15px]transferred to[/SIZE][/TD]
[TD="class: xl66"][SIZE=15px]transferred to[/SIZE][/TD]
[TD="class: xl66"][SIZE=15px]transferred to[/SIZE][/TD]
[TD="class: xl65"][SIZE=15px]currently paying[/SIZE][/TD]
[TD="class: xl65"][SIZE=15px]outstanding as at jan 2026[/SIZE][/TD]
[TD="class: xl65"][SIZE=15px]Monthly £[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl65"] [/TD]
[TD="class: xl65"] [/TD]
[TD="class: xl65"] [/TD]
[TD] [/TD]
[TD] [/TD]
[TD] [/TD]
[TD] [/TD]
[TD="class: xl63"] [/TD]
[TD="class: xl63"] [/TD]
[/TR]
[TR]
[TD="class: xl68, bgcolor: #83cceb"][SIZE=15px]Barclaycard[/SIZE][/TD]
[TD="class: xl68, bgcolor: #83cceb"] [/TD]
[TD="class: xl68, bgcolor: #83cceb"][SIZE=15px]2012 ?
2016 ?
18/10/21[/SIZE][/TD]
[TD][SIZE=15px]CSL[/SIZE][/TD]
[TD][SIZE=15px]Arvato[/SIZE][/TD]
[TD][SIZE=15px]PRA[/SIZE][/TD]
[TD][SIZE=15px]PRA[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£4,011.18[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£16.73[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl66"][SIZE=15px]Capital One[/SIZE][/TD]
[TD="class: xl66"] [/TD]
[TD="class: xl72, align: right"][SIZE=15px]07/10/2021[/SIZE][/TD]
[TD][SIZE=15px]Lowell[/SIZE][/TD]
[TD] [/TD]
[TD] [/TD]
[TD][SIZE=15px]Capital One[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£4,654.45[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£15.51[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl66"][SIZE=15px]VERY[/SIZE][/TD]
[TD="class: xl66"] [/TD]
[TD="class: xl72, align: right"][SIZE=15px]25/01/2011[/SIZE][/TD]
[TD="class: xl65"][SIZE=15px]Arrow poplar designated activity[/SIZE][/TD]
[TD][SIZE=15px]Capquest[/SIZE][/TD]
[TD] [/TD]
[TD][SIZE=15px]Capquest[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£423.65[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£1.81[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl69, bgcolor: #c1f0c8"][SIZE=15px]Egg[/SIZE][/TD]
[TD="class: xl69, bgcolor: #c1f0c8"] [/TD]
[TD="class: xl71, bgcolor: #c1f0c8"][SIZE=15px]30/10/2009
06/11/09[/SIZE][/TD]
[TD][SIZE=15px]Apex[/SIZE][/TD]
[TD][SIZE=15px]Cabot[/SIZE][/TD]
[TD] [/TD]
[TD][SIZE=15px]Apex[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£1,199.28[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£5.09[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl68, bgcolor: #83cceb"][SIZE=15px]Halifax[/SIZE][/TD]
[TD="class: xl70, bgcolor: #83cceb, align: right"][SIZE=15px]10/03/2008[/SIZE][/TD]
[TD="class: xl70, bgcolor: #83cceb, align: right"][SIZE=15px]18/11/2013[/SIZE][/TD]
[TD][SIZE=15px]Blair Oliver Scott[/SIZE][/TD]
[TD] [/TD]
[TD] [/TD]
[TD][SIZE=15px]Halifax[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£781.34[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£3.33[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl66"][SIZE=15px]Mint[/SIZE][/TD]
[TD="class: xl66"] [/TD]
[TD="class: xl72, align: right"][SIZE=15px]03/07/2017[/SIZE][/TD]
[TD][SIZE=15px]westcot[/SIZE][/TD]
[TD][SIZE=15px]Cabot[/SIZE][/TD]
[TD] [/TD]
[TD][SIZE=15px]Mint[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£772.26[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£3.30[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl66"][SIZE=15px]Yorkshire Bank - Credit Card[/SIZE][/TD]
[TD="class: xl66"] [/TD]
[TD="class: xl66"][SIZE=15px]pre 2012[/SIZE][/TD]
[TD][SIZE=15px]Marlin[/SIZE][/TD]
[TD] [/TD]
[TD] [/TD]
[TD][SIZE=15px]Cabot[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£4,118.33[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£17.47[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl66"][SIZE=15px]Yorkshire Bank - Current Account[/SIZE][/TD]
[TD="class: xl66"] [/TD]
[TD="class: xl66"][SIZE=15px]pre 2012[/SIZE][/TD]
[TD][SIZE=15px]Marlin[/SIZE][/TD]
[TD] [/TD]
[TD] [/TD]
[TD][SIZE=15px]Cabot[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£390.80[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£1.65[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl66"][SIZE=15px]Yorkshire Bank - Loan[/SIZE][/TD]
[TD="class: xl72, align: right"][SIZE=15px]16/01/2008[/SIZE][/TD]
[TD="class: xl66"][SIZE=15px]pre 2012[/SIZE][/TD]
[TD][SIZE=15px]Marlin[/SIZE][/TD]
[TD] [/TD]
[TD] [/TD]
[TD][SIZE=15px]Cabot[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£2,012.56[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£8.58[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl65"] [/TD]
[TD="class: xl65"] [/TD]
[TD="class: xl65"] [/TD]
[TD] [/TD]
[TD] [/TD]
[TD] [/TD]
[TD] [/TD]
[TD="class: xl63, align: right"][SIZE=15px]£18,363.85[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£73.47[/SIZE][/TD]
[/TR]
[/TABLE]


Any help re the best way forward would be much appreciated.


Regards

Have you asked for a copy of the CCA agreement from each of the companies?

Ultimately if you continue to pay them the options are either continue or try to reach a settlement. Do they write to you with a settlement offer occasionally?

Nichola1976;n1552439Hi

i have some debts that have been passed to third parties eg Cabot, Lowell, PRA. Some have been passed on more than once. Ive been paying for quite a number of years so most outstanding balances are 40%/50% paid. Whats the best way forward with these ? As ive accepted the debt ( although the majority is my ex's ) & been paying should i continue or think about making settlement offers. I did ask for advice on here years ago but i didnt dare stop payments.

Please find some info below

[TABLE="width: 757"]
[TR]
[TD="class: xl65"][SIZE=15px]original lender[/SIZE][/TD]
[TD="class: xl65"][SIZE=15px]Start date[/SIZE][/TD]
[TD="class: xl65"][SIZE=15px]date transferred[/SIZE][/TD]
[TD="class: xl65"][SIZE=15px]transferred to[/SIZE][/TD]
[TD="class: xl66"][SIZE=15px]transferred to[/SIZE][/TD]
[TD="class: xl66"][SIZE=15px]transferred to[/SIZE][/TD]
[TD="class: xl65"][SIZE=15px]currently paying[/SIZE][/TD]
[TD="class: xl65"][SIZE=15px]outstanding as at jan 2026[/SIZE][/TD]
[TD="class: xl65"][SIZE=15px]Monthly £[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl65"] [/TD]
[TD="class: xl65"] [/TD]
[TD="class: xl65"] [/TD]
[TD] [/TD]
[TD] [/TD]
[TD] [/TD]
[TD] [/TD]
[TD="class: xl63"] [/TD]
[TD="class: xl63"] [/TD]
[/TR]
[TR]
[TD="class: xl68, bgcolor: #83cceb"][SIZE=15px]Barclaycard[/SIZE][/TD]
[TD="class: xl68, bgcolor: #83cceb"] [/TD]
[TD="class: xl68, bgcolor: #83cceb"][SIZE=15px]2012 ?
2016 ?
18/10/21[/SIZE][/TD]
[TD][SIZE=15px]CSL[/SIZE][/TD]
[TD][SIZE=15px]Arvato[/SIZE][/TD]
[TD][SIZE=15px]PRA[/SIZE][/TD]
[TD][SIZE=15px]PRA[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£4,011.18[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£16.73[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl66"][SIZE=15px]Capital One[/SIZE][/TD]
[TD="class: xl66"] [/TD]
[TD="class: xl72, align: right"][SIZE=15px]07/10/2021[/SIZE][/TD]
[TD][SIZE=15px]Lowell[/SIZE][/TD]
[TD] [/TD]
[TD] [/TD]
[TD][SIZE=15px]Capital One[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£4,654.45[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£15.51[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl66"][SIZE=15px]VERY[/SIZE][/TD]
[TD="class: xl66"] [/TD]
[TD="class: xl72, align: right"][SIZE=15px]25/01/2011[/SIZE][/TD]
[TD="class: xl65"][SIZE=15px]Arrow poplar designated activity[/SIZE][/TD]
[TD][SIZE=15px]Capquest[/SIZE][/TD]
[TD] [/TD]
[TD][SIZE=15px]Capquest[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£423.65[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£1.81[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl69, bgcolor: #c1f0c8"][SIZE=15px]Egg[/SIZE][/TD]
[TD="class: xl69, bgcolor: #c1f0c8"] [/TD]
[TD="class: xl71, bgcolor: #c1f0c8"][SIZE=15px]30/10/2009
06/11/09[/SIZE][/TD]
[TD][SIZE=15px]Apex[/SIZE][/TD]
[TD][SIZE=15px]Cabot[/SIZE][/TD]
[TD] [/TD]
[TD][SIZE=15px]Apex[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£1,199.28[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£5.09[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl68, bgcolor: #83cceb"][SIZE=15px]Halifax[/SIZE][/TD]
[TD="class: xl70, bgcolor: #83cceb, align: right"][SIZE=15px]10/03/2008[/SIZE][/TD]
[TD="class: xl70, bgcolor: #83cceb, align: right"][SIZE=15px]18/11/2013[/SIZE][/TD]
[TD][SIZE=15px]Blair Oliver Scott[/SIZE][/TD]
[TD] [/TD]
[TD] [/TD]
[TD][SIZE=15px]Halifax[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£781.34[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£3.33[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl66"][SIZE=15px]Mint[/SIZE][/TD]
[TD="class: xl66"] [/TD]
[TD="class: xl72, align: right"][SIZE=15px]03/07/2017[/SIZE][/TD]
[TD][SIZE=15px]westcot[/SIZE][/TD]
[TD][SIZE=15px]Cabot[/SIZE][/TD]
[TD] [/TD]
[TD][SIZE=15px]Mint[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£772.26[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£3.30[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl66"][SIZE=15px]Yorkshire Bank - Credit Card[/SIZE][/TD]
[TD="class: xl66"] [/TD]
[TD="class: xl66"][SIZE=15px]pre 2012[/SIZE][/TD]
[TD][SIZE=15px]Marlin[/SIZE][/TD]
[TD] [/TD]
[TD] [/TD]
[TD][SIZE=15px]Cabot[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£4,118.33[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£17.47[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl66"][SIZE=15px]Yorkshire Bank - Current Account[/SIZE][/TD]
[TD="class: xl66"] [/TD]
[TD="class: xl66"][SIZE=15px]pre 2012[/SIZE][/TD]
[TD][SIZE=15px]Marlin[/SIZE][/TD]
[TD] [/TD]
[TD] [/TD]
[TD][SIZE=15px]Cabot[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£390.80[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£1.65[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl66"][SIZE=15px]Yorkshire Bank - Loan[/SIZE][/TD]
[TD="class: xl72, align: right"][SIZE=15px]16/01/2008[/SIZE][/TD]
[TD="class: xl66"][SIZE=15px]pre 2012[/SIZE][/TD]
[TD][SIZE=15px]Marlin[/SIZE][/TD]
[TD] [/TD]
[TD] [/TD]
[TD][SIZE=15px]Cabot[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£2,012.56[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£8.58[/SIZE][/TD]
[/TR]
[TR]
[TD="class: xl65"] [/TD]
[TD="class: xl65"] [/TD]
[TD="class: xl65"] [/TD]
[TD] [/TD]
[TD] [/TD]
[TD] [/TD]
[TD] [/TD]
[TD="class: xl63, align: right"][SIZE=15px]£18,363.85[/SIZE][/TD]
[TD="class: xl63, align: right"][SIZE=15px]£73.47[/SIZE][/TD]
[/TR]
[/TABLE]


Any help re the best way forward would be much appreciated.


Regards

Hi Nichola1976,
As XX007 suggests
Getting a copy of the CCA agreement is a must really, if you haven't done that already, Maybe they dont exist?

Hi Thank you, I did that some years back ( although i need to double check this one thanks for reminding me ) I can’t remember getting any CCA back.
Makes me twitchy i am getting quite a lot of post now from different ones now, from many years ago now.
Ah well i will check on that CCA. Have a lovely evening.

You should definitely make CCA requests for all of them, if they can't produce the CCA then they can't enforce the debt and you can simply stop paying. There is a good chance you will be able to weed out some of those debts, especially the Egg one. After that see if you can reach settlement offers on any of them, if one of them rejects your offer then move on to another one. Once you've found one that accepts then save those payments towards your next settlement offer and repeat the process.

Remember that debts are sold for around 10% of their value, so if a debt is 50% paid they have made a 4x profit on what they paid. Given they have made so much out of you already don't be afraid to play hardball when it comes to settlement offers.