Well, just got another letter, my other HSBC debt has been sold on to Cabot according to this letter. they have also provided a letter from HSBC which does not look faked and has been signed Do I need to go through the CCA/SAR request stuff again? Ta. Archangel9

I won my first ever claim against Telewest and boy was it a long haul..but I got it in the end. After VM took over I still got some late payment charges but to date have paid none. I am not on their DD scheme..and am storing up those fivers for a rainy day to launch a claim. All I do is this......when I call them to make my payment by debit card....I just knock off the late payment charge. Whilst they will not openly admit to it...my guess is that the customer advisors/agents etc are under instructions that if the late payments are disputed to simply knock it off....I am assuming this because I have had 5 consecutive ones and not paid

HI Shane, while i agree with your reasoned arguement, it is fair to say that if there were fraud being carried out by these major corperations as suggested there would have by now been prosecutions to that effect. i would suggest that while it may be possible in theory to construe these actions as fraud the fact that we are not hearing of prosecutions speaks volumes. i believe that it would be hard to prove to the standard required which would be beyond reasonable doubt being a criminal matter and it would be very costly to pursue such a case too of course thats my opinion:D i would be interested to here what you

I don't want to go back to tailoring, besides they're all closing down now, seeing as though even asda uses factories in turkey for garments these days. You are working like mad & not getting very much pay for it either, so I much prefer the slow lane these days, & I might as well do something I love as I'm on my lappy hours every day.

I am sure I have heard something like this before with Littlewoods now what was it. OOOHHHHHHHHHH yes they sent out goods without bothering to get customers to sign an agreement do they ever check anything. Nah dpick:D

terrible I know, worked for a plant and transport company, all the guys in the workshop used to howl and the boss used to tell me off, (with a smile on his face)

send this. just ammend as necessary. if u require any help PM me. Re: my request under the Consumer Credit Act 1974 Thank you for your recent letter sent to me, the contents of which are noted. I appreciate your quick response to my original letter. However, the reply received by me does not fulfil your requirements under the Consumer Credit Act 1974. The Act demands that I be supplied with a true copy of any properly executed credit agreement that exists in relation to the above account. I may ask for this on demand providing that a fee of £1.00 is paid. This fee was sent with my original letter. My request remains outsta

I wasn't going to respond, but I feel it is my duty as an ungrateful fecker with a great deal of personal knowledge and experience of Cabot, to respond. If you really want to help, I would advise that you first read what the original poster has actually said. This particular person has made requests to both the Original Creditor and to Cabot for information relating to her account. Both have refused. As a person with I am sure you will understand and appreciate that she has the legal right to this information. A SAR (a Subject Access Request) affords her that right to this information and to all other pers

Danny, You know perfectly well why the thread was closed. You were warned by several Site Helpers and Moderators to refrain from personal attacks - you chose to ignore this. We have better things to do than edit and delete your posts so the thread had to be closed. We can just about put up with the complete rubbish you post - even though the majority of it is dangerous and misleading and needs correcting, but personal attacks against other members are simply not acceptable. As for the meaning of moderation, perhaps you should buy a dictionary. Whilst you're at it you may want to look up "meglomaniac" as you have a strange inter

And you think that this is the 'rational' way to get your point across ? That it will make you come across as a reasonable poster especially on a thread that you have started on the meaning of moderation ?

Hi Loolabelle, The court hasn't asked for your Bundle so you shouldn't worry about putting it together for the Nov Hearing. The case will be Stayed or judge will issue new directions. Bak with bundle link

The meaning of moderation Anything less than 2 bottles a night:D

To be honest that would probably have been a response that they may have actually understood better;)

Well I've sent them a letter which is far too long and dull to bother you with here, but can be summarised thus: Dear Feckers, Put up or shut up. Yours sincerly etc

Looks like they're banking on Judgement by default, or waiting for you to poo your pants and back down. Be sure to defend. Lowell are not the creditor, and they have at no point proven to you they have legal ownership. No-one in their right mind would just start paying a third party who claim you owe them money without first checking it out. Remember, they paid pennies for this alleged debt anyway, not it's true value. In fact, I can't see anything to stop you filing a claim with MCOL and getting docs sent out to them in the hope they miss the deadline and then YOU can get a judgment by default against them. Play them at their own

Two points: We had the same thing with GE Money - godwill offer of charges but flat refusal to pay interest. So we just poressed on with LBA and court and guess waht? THey paid up the interest too. Secondly, the common law applies just as much to consumer accounts. It is just that, for business accounts, that's all there is. For consumer accounts you have (for the time being at least) the UTCCR 1999 as well.

i found it tilly lmao

hi riezem hopefully you will here from them but here is the link Data Protection Act Non-Compliance - Particulars of claim it explains here what you can claim

Council tax is a hard one I'm afraid. How much do you actually owe the council? You can call and find out if you need to. If a large chunk of the £470 they claim is owed is actually bailiff charges then you need to determine if these are legitimate. Have you ever let the bailiff into your home or signed a possession agreement? If not, they can only claim for £24.50 for the first and £18 for the second visit - anything else is just them taking the p*ss. Have a read through the other posts in this forum and you'll get an idea of what you can or can't do.

good luck, not that you will need it of course:D

Hi all I know we have some very experienced people on CAG regarding Bailiff's,could we please help the people out who are obviously worried. Maybe the Mods could look into appointing someone who is willing to help as a site help regarding this section.

I did offer services as Site Helper but the PM obviously fell into the Black Hole!. Im in the service and I am available at all times to assist those members who are stressing over some feral bailiffs, and bailiffs who are genuinely doing their Jobs. I'll take this as opportunity to tell members that if they are concerned about any practice, or need advice regarding bailiffs they can contact me. I have posted on several threads regarding bailiff issues, and members can find my advice on bailiffs and court matters by searching my user name.! ** Credentials ** 10 Years Finance Fraud Investigator 5 Year High Court S

Hi Standard letter. This company are in serious trouble of there local T/S They are looking for as many people to help them gather info for OFT If you are intrested email Northampton T/S [email protected] HAK Click here for great help:razz: http://www.consumeractiongroup.c o....hat-youre.html If I have helped please give the scales a press.

Don't pay imo. The bailiff is just after some money - he knows it's a cock-up so he is hoping you'll pay him and then won't bother claiming it back. Stand firm, write to the bailiff company, the court and Thwaites and tell them to call the bailiff off!

Perhaps this would be a good point for a summary of the story so far. I think it is now firmly establishe that you can (should) claim interest levied on the unlawful charges (so called 'demonstrable interest' or credit interest). The question is, what can you claim on top? Section 69 of the County Court Act allows you to claim 8% simple interest on top. THis seems odd in this day and age and Sempra confirms that. Sempra was awarded Compound Interest on several grounds but for our purposes the simplest and most likely to succeed is on the grounds of unjust enrichment and restitution. The bank used your money (charges and in

I would have to query this in relation to Cabot as they repeatedly state that they are not the creditor, be it third party or otherwise... Please follow Rhia's advice, send them a SAR and a CCA request. You are legally entitled to this information.

Welcome to the CapQuest club. Now don't worry about their nastygrams as they are designed to scare. I received the same court and bailiff letter myself this morning. Now time for action: First NEVER talk to these "people" on the phone as they will try and get you to agree to anything. Before you even think about making any sort of acknowledgement or payment to a DCA you MUST ensure that they have the LEGAL right to collect the debt. This is achieved by requesting a copy of the Signed, Executed Credit Agreement via a Consumer Credit Act (CCA) request. There is a template letter to be found here: http://www.consumeraction

Well, I've been thinking. There IS a need for companies such as Cabot. And my only real gripe with them is is the way the operate. But really, if the lenders hadn't been so short sighted and thought they could get away with shorcutting the CCA, none of this would be an issue. So really, the fault mostly lies with the OCs. IMVHO. And if Cabot would just put up their hands when challenged, I'd have no problem with them at all. Unfortunately, they continue to put their fingers in their ears and go LA, LA, LA. So losing any respect or credibility that they might otherwise have enjoyed. OTHER DCA's operate lawfully and ethically.

poor tills gets the blame again this has got to be record bo 2.30 and your still nagging

Emily send the Subject Access Request (SAR) to the bank and the Consumer Credit Act request to Cabot. You will need to send £10 for the SAR and £1 for the CCA. The CCA is perhaps the most important as it is such a long time since Cabot "bought" this debt. Also when they buy a debt they cannot add charges so that is an unlawful activity. Ypou need to find out how much of the debt was penalty charges and claim it back plus interest. However you also need to see a full, true, legible copy of the original credit agreement (and not a copy of the application form) signed by yourself and the bank/credit card company. You should also have been as