me been cabooted

[mrmarmite]

Yey I now become a Cabot fan club member.

 

got letter other week saying they taken over debt and included a dodgey looking letter from OC.

 

sent CCA, they wrote back returnin cheque as they will do this for free and they be in contact soon.

 

so far all they sent me was this:

[mrmarmite]

and yes it is an application form,

and no it dosen't have interest rates

and no it dosen't have a credit amount.

 

so who gonna pull this apart 1st then lol.

[pmhcfc]

and yes it is an application form,

and no it dosen't have interest rates

and no it dosen't have a credit amount.

 

so who gonna pull this apart 1st then lol.

 

, you've done that yourself

[tomterm8]

and yes it is an application form,

and no it dosen't have interest rates

and no it dosen't have a credit amount.

 

so who gonna pull this apart 1st then lol.

 

From what I can tell, it isn't even legible.

[mrmarmite]

lol. cover letter i got with that says statments to follow, so i'll wait for next contact plus few more threat letters so I can play wiv them a little. (only coz I luv DCA's) then i'll very politley (not) send letter to them for closure, i might even push to get default removed

[tomterm8]

I'm very concerned at the way that Cabot keeps on not using the rights vs duties bawlarks. They seem to have realised that not providing credit agreements = annoyed judge.

 

It's a pity. Cases have always been so easy the second they start using that one. They tend to get struck out before the hearing.

 

It seems they've learnt some law:(

[mrmarmite]

left hand side ok, 3 declaration you can only pick up few words. it printed on a4 sheet but form itself only measures 6x3 inches

 

only chance they got is when hell freezes over

AND I HOPE YOU VISIT THIS SITE CABOT

[pmhcfc]

AND I HOPE YOU VISIT THIS SITE CABOT

 

Oh, rest assured they do - I know for sure they frequent this particular part of CAG...sometimes more than one at a time.

[mrmarmite]

good, now thats what i like to hear

[mrmarmite]

ok, I really do like Cabot now, not only sent the £1 CCA fee back saying we do this for free, they have now furneshed me with ALL statemnts, thats jolly nice as thats saved me payin £10 for S.A.R now.

and as a bouns I see some unlawful charges.

 

they done all this for me free of charge and they can't enforce it due to CCA only being an application form

 

Damn jolly nice of them I think.

[mrmarmite]

ok peeps. as cabot sent relevant info app form not actual cca i'm just waiting for the call to "arrange payments" so lets start preparing a letter, i dont wanna use templates so i wanna do something different that

 

"polite" but insulting,

"polite" but to the point,

"polite" but i wont take any cr@p

"polite" but lol run out now, so any good 1 liners ect......... please go 4 it, we all got our best bits to dca's so me wanna do letter with all the best bits in

[Seahorse]

I'd start by deducting all the unlawful penalties that were ever applied to the account.

 

Then I'd deduct all the INTEREST that was ever applied to the account. Since there is clearly no interest rate mentioned in the so-called agreement, clearly there was never any agreement by you to pay any.

 

Then I'd start the negotiations with whatever figure is left, and perhaps offer that to them. Oh, dear. That might mean there is a negative balance, so the new owner of the account would perhaps owe YOU money.

[mrmarmite]

roflmao i like that 1, that about 70 odd % wiped off before i even started "sweet"

 

keep em comming peeps

 

better go through me "free" CCA/dpa requests now then. i don't mean more work for me I ment more work for them lol

[elizabeth1]

PPI too ? Maybe room to look at reclaiming any PPI too - if there wasn't a relevant CCA in place and you'd paid into this PPI stuff there may be room to go after that too.

 

I can't see a tick box relating to this on the "CCA" you show here - but if you paid it - it will sho on statements.

 

Try and keep your argument simple and take it a stage at a time and see what throws up - the LoP stuff really isn't relevant until Cabots prove the CCA exists - so make them prove that CCA first.

 

We are all watching this LoP argument cleverly disguise and leap ahead of the CCA stages. Don't let Cabots do this - plan you argument and take it stage by stage then you'll get the truth of what is going on rather than their bluffing their way through this the way it suits them.

 

If they do come up with a relevant CCA - that's fine really - just move onto the next stage and work through it with a strategy - then you won't get bogged down and drown in papers. Keep it simple.

[mrmarmite]

yup i spotted that just now they call it "Repayment option plan" wat ever that is. i'm still waiting for them to phone (naturaly i wont speak to them)

this is too easy so gonna play it out a little and WAIT for any court letters and i'm watching my credit ref aswell

 

prob end up slam dunk, or hook line & sinker if i have my way, i want them to mention court and i'll give em some excuse to run with it, when I receive an LBA i go for the kill and not proper CCA form, tey aint got 1 I know, i only done app form which is up top of me post.

[Seahorse]

Being taken to court will certainly save you having to instigate proceedings yourelf.

 

But with Cabot, you might wait a very long time.

[mrmarmite]

even better then. harrasement and threat letters should go down well with non enforcable CCA

The 12=2 are up hopefully they won't start until closer to end of 30 days which ends on sept 19th

muhahahahahahahahahahahaha "Bring It On",

[make them aktiv runners]

ok, I really do like Cabot now, not only sent the £1 CCA fee back saying we do this for free, they have now furneshed me with ALL statemnts, thats jolly nice as thats saved me payin £10 for S.A.R now.

and as a bouns I see some unlawful charges.

 

they done all this for me free of charge and they can't enforce it due to CCA only being an application form

 

Damn jolly nice of them I think.

 

Maybe they are starting to worry about the latest OFT guidance document under consultation. It does very clearly state reasons for removal/refusal of license, one such reason being "failed to comply with credit or other consumer legislation" Looks like that is all DCA's stuffed(think I prefer a traditional turkey this christmas though as it leaves a much more pleasant taste:rolleyes:)

 

Yes, there is a whole lot more failings (consumer complaints - well lots of them already!). Pity OFT have given them the chance to suggest their own version (oops sorry their polite words are more on the lines of "if you disagree the interpretation").

[mrmarmite]

I've just started a new thread in "General Debt" about CCA Vs Defaults. it a thing i am going to play with as I have a default on CRA and it "State" i have breached credit agreement. i only signed a Application form not a properly executed agreement, so I am trying to find out if they can legally enter info on CRA. plaes read new thread it does show I am not avoiding what i owe, this is an exercise I want to try for benefit of US ALL and i'm happy to chuck £30 down pan on court costs to see what the end result would be,

 

if it fails (as it should) then ok. if default get removed it will open a massive window for us all

[elizabeth1]

I've just started a new thread in "General Debt" about CCA Vs Defaults. it a thing i am going to play with as I have a default on CRA and it "State" i have breached credit agreement. i only signed a Application form not a properly executed agreement, so I am trying to find out if they can legally enter info on CRA. plaes read new thread it does show I am not avoiding what i owe, this is an exercise I want to try for benefit of US ALL and i'm happy to chuck £30 down pan on court costs to see what the end result would be,

 

if it fails (as it should) then ok. if default get removed it will open a massive window for us all

 

This is exactly my aim with my hubbies claim!! Hopefully it will give Cabots some trouble!! (no less than they deserve?)

 

Make them prove it and then if they can't make them remove ALL data from CRA's and sue them for damages, defamation of character, misrepresentation (I am sure there is a bundle to go at with them) Judges at the Courts aren't at all impressed by these illegible application forms that companies keep coming up with.

[mrmarmite]

it says in new thread in general debt, it not gettin DCA to remove default, it aimed @ OC. what right do they get to default you when all you have done is signed an application form, not an actual "proper credit agreement"

[elizabeth1]

it says in new thread in general debt, it not gettin DCA to remove default, it aimed @ OC. what right do they get to default you when all you have done is signed an application form, not an actual "proper credit agreement"

 

 

They don't have the right to default anyone without a proper enforceable CCA agreement wuth all the prescribed terms and conditions in place.

 

Only having signed an application is your leverage for getting the default removed.

[mrmarmite]

that why i started new post, this is a test (i'm happy to through court cost down pan) so everyone who has near enough directly involved in this to post in general debt thread with experiance they had of which could be some use to compile info, or bad, i'm going to weigh all posts up and take it from there, they way i see it if you only signed application form for a credit card they dont have the right to "modify" your credit file. i'm prepard to do this for CAGers benefit to help with what CAGers have helped me with (returned favor if you like)

the more info the better

 

p.s still not heard from cabot yet

[mrmarmite]

just been readin djdave thread and looked into my notice of assignment a little more,

pont 1 there is a CAB number directly above my address CAB=cabot?

 

point 2 theres 4 lines on bottm left side of notice. letter from cabot have 3 of the 4 lines in exactly same place.

 

point 3 the date of the "notice of assignemnt" (supposedly from OC) is 24 July 2007. the date of the letter from cabot is 24 July 2007

 

point 4 both leeter are exactly the same font and size. I bet that if I S.A.R OC there will be no notice of assignemnt and they are using a different font (OC i know use heavier font)

 

u really recon you process and send letters out in the SAME day cabot? yeah i know u ugly lot read this. anybody would think you are trying to obtailn money by deception.

 

Well have I got news for you, muhahahahahahahahahahahahaha

[louiboy]

I picked these letters apart some time ago and can safely say the 2 letters I received were printed from the same laser printer.

Type and Typography