Considering it was supposed to have been their last response in Nov 09, I have yet again rec'd a letter from them today. They have offered a 30% reduction in my debt if I ring them in x amount of days...not possible even if I wanted to take them up on it.

Thank you so much for letting me know of my mistake:shock: I imagined the letter was much as you say and shall now just leave them to it. I suppose "our last response" says it all about their case really I am moving in the next couple of weeks and I have a new phone number (In November, they tried once to speak to me, even though they were requested contact by letter only, so I immediately changed my number) So I will have to give them my new address but don't expect to hear from them again any time soon.

Below I give you the latest letter from CABOT They state they made their final response in November so are now escalating the complaint procedure which seems to say that I should take my dispute to the FOS Any ideas etc? Thanks in advance

Today I sent Barty's letter off to CABOT Do I now have to report them OFT for deception as per the line in B3rty's letter? If so what do I say or write please?

Thank you all I will send b3rty's letter and wait for their response. I also believe it is best to let them write away to me and hang themselves with their lies and distortions of fact. While I know that I can get support from yourselves in the way of confirmation that they are still writing rubbish to me, I will be able to cope with it all. I will keep you updated

Thank you all Huff&Puff..it certainly does keep my mind at rest...I have been worrying about getting to the court stage and dealing with Jargon, court fees etc

Thank you all so much for your help The "agreement" copy is illegible, but I can see that it is an Priority Application Form. I am just an "ordinary" person with no legal/technical knowledge but I am trying to see this through and am very grateful for the letters that and will use this to send back to them. I was very worried when I read a ruling last week, that seemed to say that DCA's could mock up an agreement and I thought then that I was in the wrong. I know that they are relying on my lack of knowledge and I would never have known that they have missed our pertinent wording...a very cynical move on their part and shows them up for charlatans. I am very ill at the moment with a progressive illness and complications and this caused me to waver about seeing it all through and just give in to them, but I only receive disability benefits and I can't afford the figure they demand of me, a year ago it was £84 per month, but they have since added £1000 and I am now at over £5900 owing to them. But I am going to go for it, with your help? I have a thread on Moneysavingexpert forum (samma)which shows my battle from the beginning, with CABOT so it would be silly to back off now

Hello All I have been directed to you via another website I have been in dispute with CABOT for some time re, CCA Today I have been sent another letter from them, insisting that they have supplied the correct CCA Could anyone take a look at it and let me know if they are correct.? I know the agreement copy is very poor but I don't know how to make it clearer, so any advice would be gratefully rec'd Thank you