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 Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Hi Guys
    I have received a letter of claimicon from Restons solicitors for a debt bought by Cabot financial.

    I have made a complaint to the financial Ombudsmanicon that the original creditor ‘ a credit card company ‘ refused to deal with several mistakes on my account over a year before Cabot bought the debt and simply told me to deal with the 3rd party debt collectorsicon.

    The ombudsman said that as they were still the legal owners of the debt they had a duty to deal with me and not pass the buck to the debt collectors.

    The amount Cabot are claiming is for 1800 when the correct amount after deducting the disputed amount is 1150.

    My question now is, should I contact Restons who have sent me a letter of claimicon and say they will start proceedings on 18 05.2018 or Cabot or both and tell them its a disputed amount sold by the original owner of the debt and I have now made complaint to the FOS for which I have received relevant paperwork and a reference number.

    So would they like to put proceedings on hold whilst this matter is dealt with by the FOS as I see no point in starting court proceedings when they are trying to claim the wrong amount.I

    I don't dispute the lower figure.

    So far I have made no contact with either company.


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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Have you got it in writing that they should not pass the buck et cetera?


  3. #3
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    No it was said during the phone callicon to the FO, but they have accepted my complaint


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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    I suggest that you read our customer servicesicon guide and implement the advice there. See if you can have that phone callicon again.

    Yes I think that you should inform Cabot. Send a copy to the fosicon and make sure Cabot can see that the FOS is copied in.

    Who was the original creditor?


  5. #5
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Original creditor was Vanquis


  6. #6
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Forget this complaint and it's relevance for now its not really directly relevant
    What date is on the letter of claimicon please


  7. #7
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Retitled and Moved to the vanquis forum


  8. #8
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Quote Originally Posted by dx100uk View Post
    Forget this complaint and it's relevance for now its not really directly relevant
    What date is on the letter of claimicon please
    18.04.2018


  9. #9
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Have you replied yet?


  10. #10
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    not yet.


  11. #11
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Great..
    Go read post 6 here
    https://www.consumeractiongroup.co.u....-1st-Oct-2017


    I dispute the debt because.... It is subject to an open complaint fosicon ref no. Xxx as the balance is unlawfully inflated[ say nowt more]

    And CCA Requesticon them too

    Don't NOT use their form
    Use the one attached to post 6


  12. #12
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Thanks for your input this info is a great help to me.

    Do I send these to Cabots or their solicitors ?
    What should I do about replying to their solicitors letter of claimicon which according to them should be replied to by the 18th May ?
    Regards


  13. #13
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    you are replying to it!


  14. #14
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Solicitors sent the PAP and Cabots sent CCA Requesticon with the 1 PO.
    Lets see what happens next

    Many thanks for your invaluable help so far.


  15. #15
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Sorry I meant solicitors sent the reply form as post6


  16. #16
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    job done then

    dx


  17. #17
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    I have just received a reconstituted CCA without my signature from Cabots.

    They say that they have enclosed all relevant information following my request under section 77-78 of the consumer crediticon act 1974 and they consider the agreement is now enforceable and they will obtain a ccj against me

    I also requested copies of all detailed statements giving details of interest added, copy of the default notice and notice of assignment.

    I have received none of these documents to date.
    These requests were made in July 2018 which far exceeds the 12 +2 +30 rule? ( are these continuous or working days )

    Any ideas on where I stand now and what to do next

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  18. #18
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Bet it doesn't say will anything
    Read it carefully.

    Scan up what they have sent to one multipage PDFicon
    Read uploadicon

    Matters not its outside of the time limit


  19. #19
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Letters from cabot

    Attached Files

  20. #20
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    Default Re: Cabot/Restons PAP letter of claim- old vanquis debt subject to FOS complaint

    Sorry if the PDFicon's didnt come down as 1 file as its my first time using this method



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