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.

£6.99



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
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    Default Westcot reply to CCA request re Mint Card debt

    I send CCA to all my debtors,
    I have reply from Westcot advising that they are not the creditor but collecting on behalf of Cabot and that i need to either resend to them with postal order made payable to Cabot for forwarding or send direct to Cabot.

    2 questions

    1. shall I send direct to Cabot or go via Westcot

    2. I read on other persons post a reply that said Cabot do NOT collect enforceable debt,

    I would really appreciate confirmation of this,
    as Cabot are collecting the largest debt i have, Barclays Loan, still awaiting a response to CCA for this one, although Cabot already replied to another debt advising they will no longer pursue chasing payment.
    thanks


  2. #2

    Default Re: Westcot reply to CCA request

    not sure who advised sending a CCA to wetcloths
    they don't buy debts but simply chase for their client, who the CCA Requesticon should be sent.

    so which of your debts is this thread related too

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  3. #3
    Royalties Account Holder Bazooka Boo's Avatar



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    Default Re: Westcot reply to CCA request

    Keep that silly response safe, and ignore anything further, they've fell at the first hurdle, just shows you how immature this outfit is.


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
    HOW DO I START A NEW THREAD?



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  4. #4
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    Default Re: Westcot reply to CCA request

    I sent CCA to all debtors who my (now ex) dmpicon were paying, as you say Wetcloths (love that, lol) have fell over and passing me back to Cabot - so will send Cabot a CCA, Cabot have already conceded on one of my debts, hoping they do for the this and the other one i have with them.

    as previously reported my dmpicon is now cancelled and no further payment to any creditor until i get response to CCA Requesticon.


  5. #5

    Default Re: Westcot reply to CCA request

    what this debt all about OC + TYPE

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  6. #6
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    Default Re: Westcot reply to CCA request

    OC = Mint - credit card, outstanding balance not too large 835.


    I presume if Westcot are now saying refer back to Cabot, Cabot have bought the debt.


    Will CCA Requesticon to Cabot later today


  7. #7

    Default Re: Westcot reply to CCA request

    cabot had already bought it
    wetcloths were merely chasing
    you should of had a notice of assignment
    unless that went to an old address before you updated everyone about your newer AD

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  8. #8
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    Default Re: Westcot reply to CCA request re Mint Card debt

    dx


    that is entirely possible, or maybe they did notify me and I just sent it onto my dmpicon, once my dmpicon was up and running, I pretty much took little notice as although I know understand that was probably not the correct action, it did relieve a lot of pressure from me, all this arose from a messy divorceicon


    I will send CCA to Cabot today


  9. #9
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    Default Re: Westcot reply to CCA request re Mint Card debt

    CCA reply from Cabot - they do not hold records on file but have requested them, acknowledge 12 day limit but need 40 blah blah blah - am sure this is 2005/6 so hoping they don't get em.


  10. #10

    Default Re: Westcot reply to CCA request re Mint Card debt

    12 = 2 then they are in default of request, 40 days refers to complaint procedure and they know it.

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  11. #11
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    Default Re: Westcot reply to CCA request re Mint Card debt

    Quote Originally Posted by Robbo3577 View Post
    CCA reply from Cabot - they do not hold records on file but have requested them, acknowledge 12 day limit but need 40 blah blah blah - am sure this is 2005/6 so hoping they don't get em.
    Excellent, ignore them until or ''IF'' they do indeed find and send you an enforceable CCA.

    They always add the 40 days in, but it means nothing, so don't even know why they waste the ink printing it!?!


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
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  12. #12
    Site Team The Consumer Action Group Andyorch's Avatar



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    Default Re: Westcot reply to CCA request re Mint Card debt

    Quote Originally Posted by Old Cogger View Post
    12 = 2 then they are in default of request, 40 days refers to complaint procedure and they know it.
    40 days is for a DSAR...not a Section 77/78....12 days end of.

    Andy

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  13. #13
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    Default Re: Westcot reply to CCA request re Mint Card debt

    Am sure this is just Cabot willy waving - but posting just in case I need to do anything.

    Cabot have sent me a letter advising that this debt was being managed by an agent of theirs (Westcot) and Cabot have decided to have it returned to them so they can work with me directly on a payment plan.

    I still have no reply to my original CCA Requesticon to Cabot.

    shall I just file letter and ignore or do I need to advise Cabot they have not complied to my CCA ??


  14. #14

    Default Re: Westcot reply to CCA request re Mint Card debt

    usual rubbish

    no CCA end of the matter ignore!

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  15. #15
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    Default Re: Westcot reply to CCA request re Mint Card debt

    tks dx


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