Marc Gander - The Consumer Survival Handbook

A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.


Patricia Pearl - Small Claims Procedure - A Practical Guide

An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

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  1. #1

    Default Cabot &rbs via card debt

    Looks like I've joined the Cabot Fan Club.

    Just received a lettericon stating they have bought the account for Bank of Scotland Visa Account.

    The account was in dispute with BoS as they did not comply with my CCA Requesticon supplying only an illegible application form with no T&C's or statement of account.

    I also SARicon'd BoS and all they sent was a bundle of statements back to 2001. I complained requesting full disclosure back in September 2007 and to date no contact from BoS.

    Your thoughts and advice as always most welcome.

    Similar Threads:

  2. #2

    Default Re: I've Joined The Cabot Fan Club At Last

    Have a look at Cabot Threads lets you know what dirty tricks to expect and also how other members of CAGicon have beaten them.
    best of luck

  3. #3

    Default Re: I've Joined The Cabot Fan Club At Last

    Dear Sir or Madam,
    Account number: XXXX XXXX XXXX XXXX
    I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCAicon** and has been since DATE 2007. Not only is this a breach of OFT collection guidelines, but also in breach of the consumer crediticon Act 1974 and Data Protection Act 1998
    My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be resolved on **DATE**, this obviously hasn’t happened. As **original creditor/DCA** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject access requesticon 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 the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.
    If **New DCA** chooses 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 Ombudsmanicon 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 hope that this will not be necessary and an acceptable solution can be accomplished.
    I would appreciate your due diligence in this matter. I look forward to hearing from you in writing.
    Yours faithfully

    The get lost letter!!!

    Ida x

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