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. #21

    Default Cabot PAP Letter BOS Credit Card taken out in Scotland

    ok post 13 then
    dx

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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    DX
    RIP Martin3030

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  2. #22
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    Default Cabot PAP Letter BOS Credit Card taken out in Scotland

    dx - ok great many thanks for your help


  3. #23
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    Default Cabot PAP Letter BOS Credit Card taken out in Scotland

    I had to get someone to print this off die to my printer not recognising the ink cartridges, sigh.

    What should my reason be when i tick box D to dispute the debt?

    'box D tick - I dispute this debt because..recommended reason as advised from your thread'


  4. #24

    Default Cabot PAP Letter BOS Credit Card taken out in Scotland

    gotta be something vague
    when did you take this card out?
    what is the defaulted date from your credit fill summary page

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  5. #25
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    Default Re: Cabot PAP Letter BOS Credit Card taken out in Scotland

    taken out in Nov 2008 and defaulted on Dec 2010..

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  6. #26

    Default Re: Cabot PAP Letter BOS Credit Card taken out in Scotland

    if the debt was defaulted dec 2010 it should not be even showing on your credit file

    did you complete the DAS?

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  7. #27
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    Default Re: Cabot PAP Letter BOS Credit Card taken out in Scotland

    Quote Originally Posted by dx100uk View Post
    if the debt was defaulted dec 2010 it should not be even showing on your credit file

    did you complete the DAS?
    I kept a note of the amounts and default dates, the debt does not show up on my credit file.

    I did not complete the DAS due to unemployment, after more than one payment break they cancelled the DAS. Thats when it got handed to step-change to deal with.


  8. #28

    Default Re: Cabot PAP Letter BOS Credit Card taken out in Scotland

    if I were to be honest here things could get sticky
    you cant dispute you don't know about the debt
    you cant dispute you don't owe anything
    you cant really dispute the claimed figure
    and , TBH its a 2008 sign up so a recon agreement will the bill
    so hoping their paperwork is crap enough to be deemed unenforceable might be a tall order.

    I think you are just going to have to put ...because..i do not remember the exact details .

    theres enough here at present to run with the fact that the DAS provider pre 2010? and stepchange handles everything and 10yrs say is a bit long to remember exactly what it os all about and what has/has not been paid or not.

    lets keep it vague at present.

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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    DX
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  9. #29
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    Default Re: Cabot PAP Letter BOS Credit Card taken out in Scotland

    dx - many thanks for your reply. Ill write what you have suggested and get this posted asap. Thanks again


  10. #30
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    Default Re: Cabot PAP Letter BOS Credit Card taken out in Scotland

    It looks like i left it a bit late to send off my CCA Requesticon and my letter. I received a lettericon for them taking me to court. What do you guys suggest i do now? I have attached the PDFicon.

    Attachments Pending Approval Attachments Pending Approval

  11. #31

    Default Re: Cabot PAP Letter BOS Credit Card taken out in Scotland

    no look at it carefully
    its not from them its from northants bulkicon.

    anyway
    easy done
    next time do not ignore a pap letter and always let your creditor know a change of address

    I've moved you to the legal forum and amended your thread title

    please complete this:

    https://www.consumeractiongroup.co.u...-Viewing)-nbsp

    and I#'ve hidden that uploadicon
    you've left pers info and the password showing
    but we don't need to see it so don't worry

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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    DX
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