Hi Maddie, If the NOA is anything like mine was, it will look very dubious to say the least. Mine was a very pixelated Vanquis copy and paste job, as was the footer with the address and Company details. From what I understand Cabot will have bought the alleged debt from Vanquis for next to nothing in the hope they can frighten you into paying the full amount, if not more. I also just a few days received a pack of statements (copies) which they allege is satisfactory proof that I acknowledge the debt. Poppycock! You need to send them the harassment template letter by recorded delivery. DONT SIGN IT THOUGH. to stop the phone calls Harassment by telephone Account Number: XXXXXXX I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing. I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary) I now require all further correspondence from your company to be made in writing only. I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997. If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**) I'm sure someone more knowledgeable than me will be on soon to help you further. Good luck.

Or, would I send this? http://www.consumerforums.com/resources/templates-library/86-debt-collectors/579-letter-when-dca-refuses-to-comply-with-a-cca-request

Sorry for this would this be the letter to send http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale but modified to take out the full statement element, as they have sent, I assume, an A4 printout with figures lol, or leave as is?

Hmmm, It would appear that the only word docs I have saved are for CCA request and harassment. Going to try and find the template letter now. Thank you again BB

Many thanks for your replies. Should I ignore this letter or would you suggest sending a reply? I can see the phone calls starting up again in the not to distant future.:?

Sorry about that, I don't know what happened to that. Here is another go.

Well, nearly 8 monthes on and I get this out of the blue. Am I right in thinking that this is false information, and that they must produce the CCA ? Thanks again.

OK, thanks for that.

Anyone?

I have recieved today a letter from crapbot telling me that the original lender is experiencing delays and that they will send the information through to as soon as they recieve it. What letter should I reply with? Thanks again in advance.

Now that does indeed sound like fun, I am at a bit of a loose end this week work wise, so need something to fill my time. I will have a play around in the morning and try and get something typed up, should you have any quotes of law or similar please feel free to share them lol

Will do, thanks again.

Should I reply in kind with a letter stating this? Section 40 of the act provides that a person commits an offence if, with the object of coercing another person to pay money claimed from the other as a debt due under contract, he or she: harasses the other with demands for payment which by their frequency, or the manner or occasion of their making, or any accompanying threat or publicity are calculated to subject him or his family or household to alarm, distress or humiliation;

LOL, thanks. It is so clearly a template letter too, look on the far right hand side half way down CCA008, must be the template ref...!?

Update.. I sent of both letters, 19th Feb, I recieved their reply this morning. What should I do know?

Great, thanks. I wait in anticipation...

Hi and thanks for your prompt reply. You assume corerctly, it is a Vanquis credit card, as to any charges, the limit was 100, teh debt stands at 326.04, the first letter stated 320.46. I assume this is thier interest. I have already printed off the Harassment by telephone letter, but will print off letter N also, and send them together recorded delivery. What does the 12+2 days mean? Do I give them 14 days from the date of my letter, or from date of them signing for it? Thanks again

Hi to all, and thanks in advance. I recieved a letter from these people on the 30th December. Being over Xmas and new year, I filed it in view of dealing with it in the new year. Letter looks to be of standard format ie; WELCOME TO CABOT The Cabot Financial Groub has recently bought the account you held with Vanquis etc...etc According to our records you currently owe £320.46. Please contact us etc... The letter goes on to give payment options... Within the letter was a very dubious looking letter with a Vanquis letter head, albeit an ameteur looking attempt of a letter head, the logo is so pixelated. It says that; We hereby give notice of the assignment of the debt due to us in respect of the outstanding balance on your account. This assignment is effective from 12 December 2008 and is entered into by Vanquis and Cabot Financial (UK), part of the Cabot Financial Group. All future enquires and payments concerning this account should be directed to: CABOT etc. Yours sincerely M Reddin Vanquis Bank. I have recieved as many as 4 phone calls a dayfrom this company, each time I have asked for all matters to be dealt with in writing please, assured this would happen, but then next day the callls will start. I recieved a letter finally on 4th February 2009 saying, We'd really prefer to discuss your account by telephone but we'll agree to your request to write instead, as long as you co-operate with us. Please write to us with a clear statment of your proposal for repaying your account (I have stated verbally that I do not acknowledge a debt) You also need to complete the enclosed budget form ansend it with your letter. This will help you give us all the information we need in order to consider your payment proposal. If you don't send us your Budget form and payment proposal within 28 days we'll have no alternative but to resume our telephone procedure, using any number available to us. Yours sincerely Peter Anderson. I have started making a log of all calls to me both mobile and land-line. What is my next course of action, I have read a few threads about this company, but this is a very new and not so pleasent experience. Again, thanks in advance. Mongo