This is the first I've heard about Cabot buying debts under the LoP. How did it become apparent that this is what they've been doing? Does anyone know WHEN they started this practice? They've just discontinued 2 cases aganst me which I assume is because they couldn't supply decent copies of agreements and notices of assigment. They hadn't tried to deny their responsibility to supply them in those particular cases although I know they do try to claim that sometimes (when things haven't gone legal or aren't LIKELY to i.e. when they are just blowing smoke and don't have a strong enough case to be worth issuing). Has ANYONE yet attempted to sue them for causing stress and violating rights by defaulting on a CCA 1974 request for copy documents and continuing to press for payment of an alleged debt?

Other possible "answers" to their business model might be... Explaining that they have no relationship with you and that you consider their messages to be unsolicited junk mail which you insist must cease immediately and for which you intend to seek damages against them. Enquiring how they got your personal details in order to contact you and explaining that you believe they must have violated the Data Protection Act and that you will be reporting them to the Data Protection Registrar etc. Sending them a request for a copy of an original credit agreement and deed or notice of assignment for the ALLEGED debt under the Consumer Credit Act 1974 with a £1 P.O. (template letters available somewhere on this site I think) and then when they fail to comply within the statutory period (1 month plus 12 days I think) notify them that if they make ANY futher demands for payment whilst they remain in default of your request you will sue them for damages. And the bonus is that as I understand it, whilst in default of such a request they CAN'T initiate legal proceedings against you! I have a list of so-called-wannabe-ex-creditors that I'm trying to find the time and energy to have a pop at for damages - no idea what the likelihood of success would be but someone has to have a go at them sometime. Yeah I know, no posts for months and then I drone on in 3 for hours on end - sorry folks!

I would suggest that first you ask Cabot to tell you the date of the last payment made to the ALLEGED debt. Then you can point out that whilst you don't acknowledge ANY debt, IF their date of last payment is correct the ALLEGED debt must be statute barred as the date they give would be more than 6 years ago. Maybe I'm being overly cautious but I had a nasty experience once.

Thought: I'm not sure precisely how the law stands on this but I would re-iterate the point about NOT talking to people phoning about alleged old debts. Even if a debt hasn't had any payments made against it in over 6 years and appears statute barred I would worry that admitting that there WAS EVER a debt could override the 6 years of no payment and re-start the clock! Fun dealing with 3rd party debt collection companies:- If someone asks for personal details (date of birth, mothers maiden name, place of birth, in fact anything even including your full name), ask them for theirs first! They won't want to give you theirs but what's good for the goose. Completley flumoxes the half-wits. Ask if the conversation is or might be being recorded. Presumably you don't have that technology so if it is you'd be disadvantaged and therefore couldn't possibly continue the conversation. Leaves them beautifully dumbfounded. And when someone gets even slightly rude just politely explain that you are offended and will be writing to the alleged creditor to tell them how you have been mistreated and that you will never deal with that 3rd party collection company (in other words pointing out that they have effectively lost the account). This really works and is immensely pleasurable. Meanwhile: What's happening with Cabot lately? Has there been a crisis? They've just written to me to notify me that they are discontinuing their two Court cases against me. (Wanted me to agree to no costs and no counterclaims first but I was having none of that!) Have they had their wrists well and truely slapped in COurt by any chance for failing to supply documentary evidence and/or comply with CCA 1974 requests? Anyone know anything. PARTY TIME!

Er thanks for that MrMarmite - I'm sure you wouldn't want me to jump in with both feet and miss a trick though. I think it would be much more fun and entertaining for you if I could win some compensation first and send in bailiffs for a £1000 rather than less than £100. Yes?

Oh no I disagree. Or more accurately (at least from my own experience) I can't DISAGREE with anything they've claimed as I've found its the people that don't owe them anything (but that they try to scare into believing that they do) that they abuse and treat appallingly, which strangely they don't mention above. The ones they send Statutory Demands to because they know their case is so hopeless it would be a waste of money to issue an actual Court Claim.

No! Just "unforgiving"!!

S T R E W T H !!! Ok well thanks for the moral support guys. I was actually thinking someone might encourage me to issue them with a statutory demand for the compensation and costs added together since they have made no attempt to claim they don't owe it all. Or... (or maybe "and") sueing for both lots at once since the costs should be a forgone conclusion and would put the Judge in a friendly mood :O) Oh I forgot to mention they were also after me for another alleged debt which they had no hope on, and there could be some mileage there too.

Hi all, I'm just wondering if anyone has recent experience of Lowell Portfolio No 1? They recently hit me with a Statutory Demand which I successfully got set aside with costs awarded to me against "Lowell" but despite numerous demands from me they still haven't paid up or acknowledged the Court Order and its been around 2 months. I've also been demanding compensation for their failure to supply copies of a credit agreement and notice of assignment in response to my CCA 1974 request for same, and continuing to enforce me to attend Court to get their Statutory Demand set aside even after it had been pointed out to them that I had a rock solid defence in that the alleged account had been fully and finally settled several months earlier by a relative of mine. Does anyone know that they are still around? Does anyone have experience of sueing someone like Lowell for compensation in this way? Also does anyone know the next step in getting costs awarded by the Court actually paid? Is it a case of informing the Court and paying for Bailiffs to be sent round? Any advice would be much appreciated as I don't want to let this shower get away with this. Many thanks.