"The self same moment I could pray; And from my neck so free The Albatross fell off, and sank Like lead into the sea.":D

GPB told us that full admission would be sent of ccj, we are still waiting, our letter has 1. Clopton Rd on it and may I say that their letter headers seem to represent a hangmans noose. by the way the letter fromGPB was dated 2nd April 09, why havn't IJ. replied I wonder. theyare getting nothing till they come up with something.

Can a DCA back-date a supposed notice of assignment 2 years and claim it is a legal document, well I know thats aload of codswallop because you cant just print something out to make it look like something it never really was.

Hey vjohn82, thanks for leading me to back to my novel!!, yes that is what I have been looking for, can you come back to me for some form of wisdom, I have shown what is written to some close confidantes, and they said if they received what cabot had written they would report them to the fraud squad and let them investigate, they said that it goes way beyond a civil matter if they are trying to coerce my wife into making payments by falsifying documents because that is a criminal offence, regardless of them claiming that there is a alleged signed cca - they have gone one step beyond what is legal.

Sorry to butt in, I put up a fairly lengthy entry on the cabot forum last night but I received a notice that my thread had been moved for obvious reasons that I havn't got a clue about and I cant find it anywhere, I am getting a flag message to say I have 5 personal replies but when i am trying to log in it is kicking me out. This is really important as cabot have sent what appears to be an application form from L/woods finance that alledgedly appears to be signed, but a piece of stick down paper has been put over a bar code with application form in small print beneath it in top right hand of page - can somebody please please come back on this or help me through process.

Hi all, please, please reply to this somebody. After ages waiting for true copy of my wifes original copy of cca from crapbot, this is what arrived in post today. At the end of this somebody tell me whether I should just call the police. Crapbot sent letter saying they have finally complied with request, and must now resume collections. They enclosed a letter on supposodly Barcalaycard headed paper - well- a blue blob with BC in r/h corner. This is dated 6th April 2009, and is supposed to be from barclaycard/littlewoods. "We hereby give notice of assignment to the debt due to usblah blah. WAIT FOR IT "The assignment is effective from the 31/10/2007" haha when???? All payments should be directed to CRAPBOT!!!! Dear readers, on the top of the letter written in pencil is "Representation of letter dated 31/10/2007 LMAO!!!! NEXT - is the alleged "signed credit agreement, soory folks, I am now p****** my pants with laughter at the sheer audacity. 1. There is no amount of credit limit stated. 2. Well, nothing that would encapsulate prescribed terms. 3. This will get you all commenting. - Some naughty person has written by hand an agreement number at the top of the page, but wait for it - some really naughty person has put some white stickit paper over the word application form in the top r/h corner, oh dear, errrm, shouldn't they have kept this one and sent my wife the copy so she would not have noticed the difference instead they have sent the original they have tried to blank out - this is going to be shown to "your Honour" in court. 4. In right to cancel it says once you have signed this agreement, sorry don't you mean APPLICATION FORM like it says where you tried to hide, we will send you details of how and when you can do this.!!!??? 5. They have included a copy!!!?? of T & C's and a cancellation form separately - no reference of when this was supposodly to have been sent. The terms and conds are quite evidently seperate and not attached 6. We then have a letter dated 6th April 2009from Crapbots - IN PENCIL AT TOP IS WRITTEN "Representation of letter dated 09/11/2007!!!!???? - The Cabot group has recently bought the account you held with LED_CIRC_STRING_)))* we are now responsible for answering your queries and receiving payments. CAGGERS - this is exactly how it was written - here is more - You currently owe £LED_CIRC_VALUE_))%% - if you wish to repay this amount in full contact us - Your agreed monthly payment plan with LED_CIRC_STRING_)))* needs to be maintained - please contact us. - they are about to get an artillery bombardment on CRAPBOT HIGH COMMAND. They have also included a direct debit form - how nice I SMELL SOMETHING BIGGER THAN A RAT AND THEY AINT GETTIN NOTHING FROM WHAT THEY SENT MY WIFE WHAT DO YOU THINK PEOPLE HAVE YOUR SAY.

Sorry to jump in here but this concerns Intrum Justicia. I CCa'd them on behalf of wife, and got reply from Geoffrey Parker Bourne solicitors who she has been paying £1-00/month. They said that they are in receipt of a letter addressed to I.J and upon instruction will write to you immediatly. In the meantime, we can confirm that this account is subject to a county court judgement - registered in accordance with your full admission of liability on 5th April 06, blah blah. - My wife has no recognition of ever admitting to this.She went to CAB and they handled this in 2007, and they got the payment from £15-00 down to a pound/month -She insists that the CAB worker said there were no CCJ's against her. Question:If you have a CCJ and there is a set payment - can this be negotiated down.Also if Intrum Justicia are the DCA, why is a firm of solicitors handling the payments? - Anybody on this one please.

Hi Alexdelarge, sorry to butt in, but I received a letter from AK this very morning. They sent me a letter last weeksaying they had my original application form, but couldn't send it to me, because they wanted me to supply them with addresses off last 10 years so they could conform to data protection act. Well, I saw red and wrote on their letter to get lost after a long hike. Todays letter says.We would advise that we wish to respond to your request (take a hike by any chance) but in order to do so we require your address history in order to comply to data prot. IF you are unwilling to provide your address history, we would refer you to your previous payments towards the account.(we can see where this is going). From our records it is EVIDENT (is it?) that you paid monthly payments blah blah, therefore these payments act admission of your liability to the account.(no sir, not in my book it doesn't)Please call within 7 days to chat about a suitable repayment programme. (Er, no thanks to that) Here is the pearler, If no contact is received your account will be forwarded to collection division for further action. There we have it, I am now totally convinced that these permatations of dogs vomit have lost not only the plot, but their minds. I am now going to have some fun with this lot as they have laid themselves wide open for a full frontal assault for being so stupid - watch this space.

Received letter from AK at weekend - We have your application form here, but we cant send it to you coz basically we dont really have it, thats why we want you to reply in our 2nd class envelope with all your relevant paperwork, your addresses for the last 10 years - this is so we dont breach data protection by sending what you requested in case you are not who you say you are. EEEEERRRRMMM!, in that case why have you been writing to me ok in the past with no probs. I sent them the response on the paperwork they wrote to me - far from pleasant dictation, and used their own envelope to send it back - well, why should I waste money on a stamp. Anyone care to reply with comments.

Thank you Baileyboy, but where I come from I really could not give a fig about how they feel, I have not bit to them as I know how they play, and I'm afraid short of driving down to AK HQ and knocking the s*** out of the cretins that is the reply they got. What they going to do. Send me a letter and say " Thats not how you talk to a DCA" "This isn't how things go on - this isn't cricket" Keig ist Krieg! I am so not scared of them - this is one cagger who makes no apologies for rocking the boat and just simply sticks 2 fingers up to them - if only others would realise you are quite free to do that - I don't go by P.C rules - I just go for their jugular.

Hi Andymanx and other fellow DCA haters of the universe. Today, after sending CCA on 22/01/09 I received today from Aktiv Kapital, a response that simply beggars belief.It says, " Thank you for your CCA request - we have your original documentation, but just to make sure we have the correct info, could you please send us your last addresses in the last 10 yearts and also anything with your name on so we can make sure we are not commiting an offence under data protection by sending this documentation to the wrong person" I sent the following reply on their letter in writing and posted it back in their 2nd class reply envelope. "As I have not received your reply and docs within 12 days plus 2, a state of war exists between us- you are quite happy to send me acknowledgement letter, so therefore you are commiting offence by demanding this info of me, even though you dont know who I am. Fellow Caggers, I must apologise for what I put next, grandmother avert your eyes. DO NOT SEND ANY MORE S*** THROUGH MY LETTER BOX, NOW ***K **F AND DONT BOTHER ME AGAIN AS I AM NOW REPORTING YOU TO EVERY MAN AND HIS DOG POSSIBLE. WHAT BIT OF THAT STATEMENT DONT YOU UNDERSTAND. Thats all these cretins are worth. soory if I jumped in but they are really s****** me off now. Comments please.

Hey mgphil, that last letter you had off Low Walls, was like a 1950's sci fi movie script - we are your friends - we want to live in harmony - but if you don't do as we say we will exterminate you - peace and love!!!- Lowells came onto my wife after Crap one made the mistake of putting capquest on the case, I chased them off, then cap one reckoned trying to go legit - by doing a notice of assignment - yeah right - Lowells getting same short thrift - all she allegedly signed was an application form - same as you posted on here - they are all t****** - power to the CAGS - seriouslt though they dont half put stress levels up needlesly

Hi all, Dealing with my wifes alleged debt with Cap 1, they got morons called Capquest to bully my other half, but they couldn't handle what I put their way so it went back to Cap 1, then the Lowell losers sent wife letter to say it had been assigned to them from Cap 1, predictably, in the same post was a letter from Cap 1 to say it had been assigned to Lowells - how very conveniant, both parties must have sent one person with both letters to the same post box as dates are same on each letter and postage date on envelope the same - god, do they think I am going to fall for that old peach. Lowells - weeds - algae - pond life. If we all just said no thanks get lost wonder how they would react to that?

might set up my own DCA, buy my own "ALLEGED" debt for pittance and then send threatening letters to myself. Sad or what - I might develop a split personality - same as what all the scummers DCA have. - Well, it is Friday tea time lol:razz:

Hello all, regards ARKTIK KAPITALL, I sent off letter 2 days ago telling them that they failed to come up with any proof to take a long hike of a short Norwegian Fyord. If I get any more letterbox bowel movement from them, send them this plain message which even a solicitor should understand - "What bit about go **** youselves don't you understand" I appologise to all caggers for this blunt and forthrite statement but come on people ENOUGH IS ENOUGH.

For the love of god Stress, whatever you do, don't send them a damned thing. Their answer is staring you in the face. If they had all the info to hand they wouldn't be sending you that crap. they are deliberatly trying to hoodwink you into giving them all your personal details so that they can conjure fraudulant paperwork. Don't believe a word when they threaten you with legal prosecution if you fail to give them info, they are talking out their arses, One DCA sent my wife a letter and I have ringed the word bailiffs 11 times and they threatened her with prison if she did not disclose in court and on oath her earnings to them. Sit tight, let them do all the donkey work -coz thats all they are - DONKEYS - if they havn't got the goods then they should have thought about that before they took on your ALLEGED debt.

Oh dear, have I touched a raw nerve with Aktivkapitalallover, I certainly wasn't having a go at people on here - merely the debt collection agency who happen to be part of a Nowegian holding company - and I can assure you I am not a half-wit and neither are any of the other good folks on here. - GET A LIFE.

Don't panic, as you are new to site you will soon realise that you have plenty of friends here with one common goal -to stop **** from hounding people from situations that nobody can forsee, and revelling in peoples misery. You have CCA'd them so sit tight and don't worry - they have 12 days plus 2 to reply to your request and if they fill you with any drivel about it taking longer then they are talking through a hole in their pants - they know that they have a time limit for to reply with your requested info, but as always with the toads they will use every excuse to prevaricate and stall in the vain hope of getting concrete evidence. Let them sweat. It may be useful for you to look at some other threads on this site, and to meet some of the colourful characters that contribute. We are all sensible people who are tired of vermin trying to pressurise for money. Remember - they buy debts for 10% of value and then profit by chasing them and putting on their own add-ons.

Good luck on what you are doing. I CCA'd what I call DROSS KRAPITAL way back in January, and there hasn't been so much as morsel of proof from them just a letter saying they were going to send original docs soon - they are now time expired so don't loose any sleep over these Norwegian half-wits - have yourself a stress free weekend - all those call centre wallahs will be out clubbing it so don't wear yourself down - they won't be.

Hi folks, I have just sent a letter today to the Cabot jokers, they sent 5 letters from January to present with the same waffle about trying to get CCAb but were experiencing difficulties, then in last letter admitted twice they were over the time limit set out but would continue to try, they even suggested I should approach original lender myself - I couldn't stop laughing at that one. I did not mess around - told them that as no proof - i consider the matter closed and if they continued to send me drivel I would report them to every conceivable authority even my M.P, Its like me asking a company for a copy of prices that I have paid in the past because my accountant needs the info within a certain time, if they can't supply in time then I would say that I have never bought the goods in the first place because they failed to supply in legally requested time, in other words CABOT - NULL AND VOID.

Hi all, enjoying my stella whilst writing this. yum, now to business - I received, guess what? a letter from Crabbybot today " Unfortunatly (for who) Cabot have not been able to provide you with the requested information within the relevant time period" Whoa boy, hold on right there, This seems to me to be an admission of FAILURE - They obviously have admitted to me, on paper, in black and white "relevant time period" Bear in mind I CCA'd them in January, They say they have worked hard to obtain this information (yeah - right mate) and the original lender has been unable to locate the relevant information from it's archives" - (try the kitchen drawers like me prat head I keep everything there), they go on - try to request the info from your original lender which you are entitled to." - Hang on, stop the merry go round - DURRRR - my brain hurts - if you have to, to date send your 5th letter to tell me that you can't get them to locate documents -what chance have you got, and I ain't doing your donkey work for you because if I do I will have to bill you, and I don't come cheap, thy go on - " Although we are dependant on the original lender for the info, the relevant time period has now expired -( thats the 2nd time they have admitted this) However, cabot shall continue to request info - we hope to receive the relevant info shortly" SHORTLY IS WHAT THEY HAVE BEEN SAYING SINCE JANUARY, WHY CAN'T THEY JUST SAY WE ARE TALKING rubbish just to prolong the agony. Letter off to them tomorrow telling them to.. they have given me all the ammunition I need and if need be to show it to relevant authorities and if need be court. - GOD that feels better getting that off my chest.

sorry to butt in folks, but went on other link and answers not forthcoming, cap 1 gave a/c to capquest - they could not supply notice of assignment -more messing around - passed back to cap1 - few days ago got letter from cap 1 AND Lowells in same post - Cap 1 - we hereby give notice of assignment blah blah - from Lowells We have purchased the a/c from cap 1 blah blah, anyone following this?, now we all know that there was no N>O>A from Cap 1 to Capquest originally, so with them doing this , this time does it suddenly make things ok by law or would a judge spot blatant wrongdoing and or hypocricy - my view is they broke the laws by not doing it correctly in yhe first place and got away with it to cover themselves by trying to do it right the second time - are they just clutching at straws, by the way they can **** *** coz I got better thing s to do in life than deal with their sorry sad crappy affairs.

Ah yes, Arktic Krapital - how I love that Norwegian holding company - what a bunch of Quislings, I sent these moronic vikings a CCA request in January and am still waiting, can I be bothered to send them a default notice - Nah, I'll wait till they threaten to send the long boats over then I will put a shot right across their bows and send them back to Troll land "trippitty trap trippitty trap" They know full well that they have exceeded their 14 days to supply such documents, I mean christ almighty, how hard is it to get archive info - DUR - very hard if there is none in the first place - two fingers to the lot of them - I don't make any appologies as Like the Japanese - no prisoners.

I am still waiting from the 24th Jan this year for DAS KAPITAL to send true CCA - guess what not a peep from them - I won't even bother to send a letter saying they are in default - they know it and so do the courts. It was off a supposed debt off 9 years ago - some of their staff would have been s******* their nappies then LOL.

Blueda, you say they can't provide CCA, so why bother making an offer just to improve your credit rating. We know that these gangsters are like, thats why there is a forum, no one has been sent to jail or had their hands cut off for being in a bit of a financial quagmire - its the lenders own fault for the problems because once they hook you they offer incentives to make people take more credit then they up the interest rates knowing full well people cant pay a damn penny back. DCA's are on the lowest pecking order so don't offer a penny - not one jot - they never turn up in court - not one representative wants to travel hundreds of miles to be made a laughing stock for wasting courts time for paltry amounts, I have only this to say - SIR FRED GOODWIN - Crapbot should chase him for the £28 BILLION he squandered - sorry for rambling, but chasing people to the end of the earth for a couple of hundred quid rather pales into insignificance don't you think.