Just a quick note,they have the wrong dates for the court order, looks like you don't need to supply paperwork until the end of this year!

Thank you, this place is so calming. The letter isn't from a Mr Muppet, is he the owner:)

Hi, We now have a further letter from Cabot. I am sure it is pretty standard but. Our response to your request under section 77/78 of the ConsumerCredit Act 1974 I refer to you later received on (date earlier this year) and our response (date 5 weeks later) Cabot does rely on the originel lender to provide information to assist with your enquiries. We havemade several requests for a copy of the signed agreement from CitiFiniancial. However we are still awaitingthis. Notwithstanding,CitiFinancial has provided Cabot with copies of the availalbe statemeents pertaining to your account which I have enclosed. These statements clarify the outstanding balancethat was assigned to Cabot. They also clearly detail repaymentsthat you have previously made towards the debt,which constitute a clear acknowledgement of your responsibility to repay the debt. In addition I am enxlose a Cabot statemtn of account, which also details the repayments you have made to Cabot, since our ownership of the account. In light of the above, Cabot is of the opinion that you have provided sufficient evicdence that the account exisits. In addition Cabot has provided you with a copy of the notice of assignemtn from CitiFinancial and our introductory letter clarifyingCabot'sownership. For your eas of reference the outstandingbalance on the above accoutn is X. I would recommend youcontact our collectiondepartment, within 114 days, on x to disucss the options available in order to settle this acount. I trust we have set our position clearly. If you have any blah de blah. Then with it they have enclosed somethingdated earlierthis year with ourname and addressaccount number and then columns Date, Debits credits, no where on this is there a balance or any identification of what company it is a statment for. Then there is another piece of paper which looks like a screen printon this ther is a net balance and, assignementof the original debt dated mid 2008 then some odd amounts of payment (none of which I could confirm we had or hadn't paid. There is a photocopied letter written at the top it states "Representation of letter sent on x date(mid 2008) However for some reason this letter is dated 3/4 way through 2006 Then another letter on yellow letter head again with "Representation ofletter sent on x date (mid 2008). This is an unused mail merge letter, These last two letters I have never seen anything similar before, not that I suppose it matters. What would our next move be please Thank you for your support

Thank you for replying, unfortunately, as in most thing in life, he had a meeting yesterday with them and I went along. Afterwards I asked if all the extra t-breaks, lateness and phoning in sick were true. Don't know how he lasted this long! Thank you again

Hi, on behalf of an acquaintance. C was employed in Jan 09 on a 10 hour a week contract Now being told they are overstaffed and his hours are to go There are other staff who started a couple of weeks later who are to keep there jobs, but one works 16 hours a week, the other 3 hours a week (1 male 1 female) What should he do, ask, suggest. There has been one issue raised about time keeping. Thank you

Hi, I work more than my contracted hours, because I choose to. Did your employer ask you to work the extra hours, or did you just mis read your contract. I don't see there is much mileage in asking for back dating pay for work they never asked you do do (even if it DID need doing)

Sorry I can think of a few replies but probably not appropriate. there must be some form of complaint. Surely no one can sent baliffs in unless there is a court order?

Hi, Now have a letter from Cabot stating Your Request, We write further to your request fo information under sections 77 and/or 78 of the Consumer Credit Act 1974 Although Cabot has requested the information, the orignal lender is experiencing a delay in retrieving the information form its archives. We shall send the information to you as soon as we receive it. The status of your account We will as a gesture of goodwill put your account on holduntil we receive further communication from the original lender. Contacting Cabot If you blah de blah, call one of our HELPFUL customer advisors. So do we just sit still and do nothing?

Hi, Sent letter on 29th received the following this morning Your request for information under the Consumer credit Act We acknowledge receipt of your request under sections 77 and/or 78 of the Consumer Credit Act 1974 The Cabot Financial Group is not obliged to provide this information but we are pleased to help and have already requested the documentation for you from the original lender. C Cabot Financial does not accept the statutory fee required under section 77 andor78 of the Consumer Credit Act 1974 and as a result Cabot has returned the fee for £1.00 that you have sent. What happens next We anticipate that we will be able to provide this information withing 12 days. In the event we are unlikely to obtain this information within those time limits, we will write to you again. Contacting Caboty If you blah de blah In the meantime we thank you for your co-operatin. Yours There is not an original lender detailed, I should say this was a loan not a credit card. What next please.

Thank you. Letter printed will post tomorrow.

I hope this is in the right place. My husband received a letter dated 23 December from Hodsons who have been instructed by Cabot Financial (Europe) Ltd who are administering on behalf of Cabot Financial (UK) Ltd. The are asking for a debt of almost 6,000. Summarised we want the lot or will issue proceedings for recovery if we dont agreed to terms withing 7 days of this letter. Client will seek prompt enforcement of any court judgement. All cheques payable to Carbot Financial (Europe) Ltd. We do not know about owing Carbot money but fear it is a loan from a different company that we took out over 14 years ago, and have been making payments of £5 a month to the original company for the last 13. We recently received a call from some company asking for money, my husband mentioned we had been paying £5 a month and they said they knew nothing about this so we canceled that payment (probably 3 months ago). Untill the phone call and this letter we had had nothing from anyone. Could you please advise what root to take. Thank you

Sounds to me as though they didnt want to pay maternity?

Sorry this is very complicated We have got ourselves into financial difficulties, this has lead to £1300 (1,000 of it this year) charges on our joint account and £550 (450 this year £100 3 years ago) on my husbands sole account. July my husband contacted HSBC and asked them to help us sort this out. EVENTUALLY he saw the bank manager (their delay) 4 weeks ago. He took all our income and expenditure and a list of all our debts. He asked to extend the term of our mortgage (currently less than 4 years) and increase it by the level of our debts. The bank manager said they would give us an additional loan. My husband said he wanted the mortgage and the bank manager said he would get back to us. After further contact 7 days ago they made an appointment for a "telephone" interview on the 1st September. My husband took the day off work to visit the branch (50 miles away - we are very rural) During all this phone calls every day to both of us. Two weeks ago my husband asked if we were any further forward. Nobody knew anything. Then the day of our salaries going into the bank account a letter was sent. They had stopped all our standing orders except HSBC mortgage and load, stoped or debit cards. However they have left our £1000 overdraft facility on our joint account. Our salaries took both accounts to £75 credit. Fortunately we have another Nationwide account where the child benefit (and now WFTC) goes. But we are on for a very hard month as we cant pay anyone. Eventually they sent us Solo cards - which dont work. SO here are my questions I intend to issue the first letter asking for bank charges back on both accounts today. I intend to claim hardship Could they ask for our mortgage to be repaid immediately (we are currently trying to remortgage with a new building society - this currently looks positive). I do not intend to put money in this account again as there is £300 pending charges. However I dont want to default on our mortgage with them so how can I pay this direct? We have two credit cards with them (which have balances on but we dont use) could they ask for this money back immediately. I am confused as to the interest charged on top. I understand not to ask for the 8% in these initial stages. But do I ask for interest on the charges that kept me in overdraft and charged me extra charges. Until July these fees were describe as Notified Charges. This month they have called them "additional services" Until this month they have never bounched a cheque/direct debit/standing order. They have been paid and we have been charged £25 per transaction. We have rarely received any letters about any of these charges (save the statment of fees with the bank statements) This month they have so could that explain "additional serves" For clarification our overdraft faciliy is £1,000 on joint and £450 on the sole. The balances have been up to £1,600 on joint and £600 on the sole. Any clarification and additional advice would be very much appreciated Thank you

Appologies for the confusion. I am the manager of the facility we run and the other are also employed by the charity (and all work very very hard) It is the committe who havent given any of us a contract of employement. Thank you

I work for a small charity (four part/full time employees) We have been employed from 6 months to two years. I have asked and asked and asked for contracts of employement and while they accept they havent issued them they cant "agree" them. I have written contracts, job descriptions, sick pay entitlement, maternity, you name it, looked at all the different angles etc and I think the ones I've written are pretty basic but cover what is needed they just need to put in the rate of pay and hours. We all love our jobs but I feel I have a responsibility to get this sorted for the staff. We were due a pay rise last October. Finally this month I got them to pay it (back dated) and as it was basically a years increase we all got a nice bonus. We arent a rich charity but not poor either. But one day we may employ someone who turns nasty. Any ideas on what I can do further to spur them on. Thank you