Here Here

Thats the way to forward. I wonder how long it will take for the OFT to take notice and issue a full inquiry into the dodgy way that Cabot work?

Hello Thrubolt, I have been in dispute with Cabot for just over 3 years and I would advise you not to get upset or worried about the situation. In the years since I have CCAd them, they havent as yet been able to provide a fully executable agreement and the alleged account seemes to have been passed around to different collection departments within Cabot, although they do use other allias names. I initially like yourself felt worried and also at times upset at the way Cabot treated myself and constantly tried and still is trying to pull the wool over peoples eyes. At the end of the day they need to provide yourself with a fully executable CCA , make sure you keep copies of all correspondense and when the letters seem to go quiet try not to worry about it. There are lots of people on this self help site who will be here to advise and reassure you.

To top it all, Cabot have added interest onto the alleged account, yet another law they have broken.

They are desperate, I have just taken a look at the initial letter I recieved off them back in March 07 it states under section 78 of the consumer credit theyre under obligation to provide a copy of the executed agreement, therefore there is no requirement for this to be a facsimile copy of a copy which complies in every respect with section 61 of the consumer credit act. ACCORDING TO CABOT- The consumer credit (cancellation notices and copies of documents) Regulations 1983 make clear that there is no requirement for the of an executed agreement to contact the signature box copy . We have in any event gone beyond our statutory duty in providing you with a copy of the signed application form. We would disagree with your contention that this is illegible. As we have already provided you with a copy of your origional credit agreement (application form it is, tut tut) and statement of account, we have complied with our statutory duty under section 78 of the consumer credit act 1974. Hell why havent you enforced and collected then? Now through sending T&Cs with different APR rates, the judge would love to see this, as much as I know its best to ignore, I am quite up for a fight. Even back in 07 they were convinced a reply card is acceptable as a fully executable agreement.

Yes they are, FOOLS, I am quite shocked that after 3 years they can send a reply card yet again and state they can now resume collection and enforce the credit agreement. They sent me the same reply card in March 2007 and also some terms and conditions and on comparing the T&C and APR they differ, what a shock. They passed the alleged account onto FIRE, another seat in the Cabot office I suspect, they passed it back to their fellow Cabotere sat on the seat next to them and they sent this loads of codswallop. Argghhh, I will not get aggitated, I am passed all that now, Lol.

Hi, thanks for the advice. Harrased Senior I actually ccad them January 2007, its been a tennis match with them until it all went silent, I have as late been reading up on them lately and they seem to be rather busy wasting peoples time a and energy in the hopes of recovering money from the unsuspecting. Its so infuriating the way Cabot work, it does make you start to question yourself as to what to do next when you have had a long period of silence from them.

Hi all again, I have been in dispute with Cabot since Jan 2007, I had not heard of them for quite a while until last September onwards, when I recieved a barrage of letters, pay up or the usual threats, also a couple of offers of a reduced payment to clear the alleged debt, I quite happily ignored them and laughed every time I read their letters. I recieved another letter of Cabot a couple of weeks ago and decided to reply, the usual give me what I requested or go away, this time the reply is slightly different. They have sent me a reply card , with my signature on it and a stamp which says subject to credit approval, this I know is deffinately not a fully executed aggreement as everything is wrong. Also they have sent through statements and terms and conditions. Even though I,ve done well to ignore them , I,m after some advice as to whether I should continue with this strategy or should I reply to them and remind them of what morons they are being. Cabot are in the mind set that they have sent me a fully executed agreement and have said that I should get in touch with them within the 14 day time frame or this account will be passed back to their collections dept, LOL. Surely after 3 years of waiting you would think they would have sent it to me if they had it by now? Does anyone have any advice please as it would be very much appreciated.

Hi, I wouldnt bother pursuing them, its up to them to get back to you, just wait they will be in touch, I can tell you that for sure.

Hi, I sent a cca request back in February this year to Blair Oliver & Scott regarding a Halifax credit card, I did not hear a thing off them until 27th July, when they sent me a standard letter asking me to make payment, I replied to this stating they have committed an offence and it is in dispute, I also began to have repeated phone calls to which I sent them a harrasement letter, but they still carried on, I reminded them of this letter and politely said my goodbyes. I then received another 2 letters exactly the same, to which I kindly reminded them of their position, . On At the begining os September I received a copy of a credit card application, which is apparenlty what I asked for, not a chance. Along came 2 more letters stating failure to reply will mean immediate action, LOL. Again I kindly reminded them and also sent copies of letters.Still they sent me one more of those standard letters, to which I replied, and my last letter was slightly diffirent,which is why I,m on here with it, it goes like this= Thankyou for your recent communication, We have today requested a further copy of the origional application form regarding possible fraud application on the above account. To assist us with our investigations we would require the following details: 2 forms of identification with a clear signature i.e. Passport, driving licence details of any previous addresses. On receipt of this information we will give this matter our immediate attention. If we may be of any further assistance please do not hesitate to contact us. Am I correct in thinking I dont send them a thing, I,m stumped, please, if anyone can advise Id be most grateful, Regards, Rinky:-)

Hi, I sent a cca request back in February this year to Blair Oliver & Scott regarding a Halifax credit card, I did not hear a thing off them until 27th July, when they sent me a standard letter asking me to make payment, I replied to this stating they have committed an offence and it is in dispute, I also began to have repeated phone calls to which I sent them a harrasement letter, but they still carried on, I reminded them of this letter and politely said my goodbyes. I then received another 2 letters exactly the same, to which I kindly reminded them of their position, . On At the begining os September I received a copy of a credit card application, which is apparenlty what I asked for, not a chance. Along came 2 more letters stating failure to reply will mean immediate action, LOL. Again I kindly reminded them and also sent copies of letters.Still they sent me one more of those standard letters, to which I replied, and my last letter was slightly diffirent,which is why I,m on here with it, it goes like this= Thankyou for your recent communication, We have today requested a further copy of the origional application form regarding possible fraud application on the above account. To assist us with our investigations we would require the following details: 2 forms of identification with a clear signature i.e. Passport, driving licence details of any previous addresses. On receipt of this information we will give this matter our immediate attention. If we may be of any further assistance please do not hesitate to contact us. Am I correct in thinking I dont send them a thing, I,m stumped, please, if anyone can advise Id be most grateful, Regards, Rinky:)

Hi Seahorse, yes it does say Cabot owns the debt, I feel heaps better now, got my letters sorted and ready to post 1st thing tomoz, I will sit back and eagerly await their reply and see what heap of s..... they come up with next:D

I have CCA,D Cabot, they have returned my postal order and have said in a letter, Cabot financial(UK) LTD, formerly Kings Hill (no .1) LTD, part of the Cabot financial group of companies, purchased the account from Barclaycard and therefore cabot is the legal owner. The rights but not the duties were assigned to cabot in dealing with the account, therefore they are legally entitled to collect. We will assist you in providing a copy of the agreement OF WHICH MONUMENT COULDNT, BUT please note we are not OBLIGED to as we are not the creditor. In view of the fact we are not the creditopr we are also returning the fee of £1 as this is not applicable. We will also arrange for a copy of the notice of assisgnment to be forwarded to you, of which I have already been sent previous to this, This letter constituteswritten notice of the assignment under section 25 of the law property act and therefore we have no need to provide a copy of the assignment deed itself. PLease can someone advise me are they in the wrong, what should I be posting out to them now. ARGHHH I feel I,m going nuts, any help would be greatly appreciated, Regards, Rinky:grin:

I have CCA,D Cabot, they have returned my postal order and have said in a letter, Cabot financial(UK) LTD, formerly Kings Hill (no .1) LTD, part of the Cabot financial group of companies, purchased the account from Barclaycard and therefore cabot is the legal owner. The rights but not the duties were assigned to cabot in dealing with the account, therefore they are legally entitled to collect. We will assist you in providing a copy of the agreement OF WHICH MONUMENT COULDNT, BUT please note we are not OBLIGED to as we are not the creditor. In view of the fact we are not the creditopr we are also returning the fee of £1 as this is not applicable. We will also arrange for a copy of the notice of assisgnment to be forwarded to you, of which I have already been sent previous to this, This letter constituteswritten notice of the assignment under section 25 of the law property act and therefore we have no need to provide a copy of the assignment deed itself. PLease can someone advise me are they in the wrong, what should I be posting out to them now. ARGHHH I feel I,m going nuts, any help would be greatly appreciated, Regards, Rinky:grin:

I have CCA,D Cabot, they have returned my postal order and have said in a letter, Cabot financial(UK) LTD, formerly Kings Hill (no .1) LTD, part of the Cabot financial group of companies, purchased the account from Barclaycard and therefore cabot is the legal owner. The rights but not the duties were assigned to cabot in dealing with the account, therefore they are legally entitled to collect. We will assist you in providing a copy of the agreement OF WHICH MONUMENT COULDNT, BUT please note we are not OBLIGED to as we are not the creditor. In view of the fact we are not the creditopr we are also returning the fee of £1 as this is not applicable. We will also arrange for a copy of the notice of assisgnment to be forwarded to you, of which I have already been sent previous to this, This letter constituteswritten notice of the assignment under section 25 of the law property act and therefore we have no need to provide a copy of the assignment deed itself. PLease can someone advise me are they in the wrong, what should I be posting out to them now. ARGHHH I feel I,m going nuts, any help would be greatly appreciated, Regards, Rinky:D