Was it Debt collectors or bailifs. Not 100% sute on this but 99% sure that as long as there is no windows open or unlocked doors Bailifs can not force entry and DCA's cannot force entry. Don't answer the door to them iether.

Promised to let you know what happened. Well got a letter off another DCA yesterday this one's called JB Debt recovery based in Glasgow. claimed to be representing a client called Capquest Ltd. If they don't hear from me within 7 days they will concider legal action. Never had any comunication with Capquest, so i'm guessing that Cabot sold on debt as it's they same amount of money they were demanding. Their letter was not signed by anyone just the recoveries department standard template letter i think, nor did it have the original creditors name. So as i understand it Capquest who are a DCA are using another DCA JB debt recoveries to collect unenforcable debts for them. I Have sent this reply Think it's called the bemused letter. ACCOUNT IN DISPUTE Dear Recoveries Department Account number: ****** I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with Red/Lowell/ Cabot / Capquest Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998 As Red/Lowell/Cabot/Capquest are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject Access request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE. As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Now I would respectfully suggest that this account is returned to Capquest/Cabot/ Lowell/red. for resolution of these defaults and breaches, as JB Debt Recoveries cannot lawfully pursue any enforcement activities. If JB Debt recoveries choose to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action. After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours faithfully Greenpea P.S. I would like to add that I have not had any debt for over 7years so any debt that you are chasing is almost certainly Statute Barred. Any info on JB would be helpful anyone. Let you know if I get any reply, or when it's passed on to yet another DCA

pennypenny Is it not statute barred yet. ? If not how long. Is your signature on this application form. I'm sure you don't need telling that more than likely it won't be a genuine cca.

Cheers bmw, will do.

Hi bmw1 Cabot can not let it go can they, they have those £ note signs in there eyes and must have a return for there costs. I still have not heard since i sent them my statuted barred letter around the same time as you, now expecting a reply something like yours. I would reply to them asking method of payment, proof of payment and anything else you can think of. Remind them that they will need these if and when they decide to take C. court action. Gp

Could be that due to CAG Cabots funds are drying up, hence they are becoming desperate and are just trying it on.

Most shops give you a refund if you're not happy with your purchase. Not the movie and music industry. I wonder why? Interesting point FB Wonder if anyone has tried to get an online refund for a CD or a film. Oh what a silly advert that is Knock off Nigel is, Would have loved to be at the meeting where that one was thought up I can just imagine Some nerd saying "I know we will shame the public into not buying DVD's CD's with a knockoff Nigel in a pub", Then a Tim but Dim guy says yes we will go with that. Followed with a Peter Griffen (off Family Guy) type laugh. What really makes me laugh is that Knockoff Nigel Is made to feel and look uncomfortable. Yes that would be right.

Coldwar Costs for every thing court, postage, time, etc. there's lots of threads on cag where memebers have defended and won the DCA's and have been awarded cost. Have a search and see. I'm fairly new on hear and have read quite a few few threads where costs have been awarded. Have a look in the cabot threads.

I think that Lowell will just ignore, as i think that lowell are just trying it on hoping you didn't defend and that they would get a judgement against you. Now that you have defended they will give up. Sure you can get expenses against them if they do.

waiting for your cabot news.?

Just to keep things on topic on this thread.........

Feel sorry for AA car loans.

I'm sure it will be struck out. Would wish you luck, but sure that you don't need it.

State in your defence that they have not complied with your requests for the info that you requested and ask that there claim be struck out.

thecteam you scratch my back and i'll scratch yours,the old boys network. It's all corrupt, Show me where there's money and I'll show you where there is curruption. You don't have to look far eg the premire football league. Now proving it is a different matter,