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Deb T

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Deb T last won the day on October 1 2011

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About Deb T

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  1. It is still being treated as an Executive O/D Flex Account. The account no longer exists in it's current format. What am I looking to stick at them? What points? (sorry if that sounds a dumb question) and where should I be aiming it at? Branch level are hopeless, so is the Area branch, CS will just put it in a queue, I'd like to get it seen by someone that can make a decision or at least make something happen to help address it...
  2. Well, having trawled through it.. .I can see nothing of any relevance, there are some letters I have (not contained in the sar) which show one side of an agreement on overdrafts, there are also charges from going over the agree overdraft (small limit) called 'over buffer referral or something, about ten of them from the late 90's and early 00's... .the exec o/d was at the top amount by 2003, there were letters in 2002 (again not in the sar, but what I have) stating they were concerned that I'd gone over the overdraft limit, that I hadn't been in credit since 1998 (it's not been in credit since 1998 up to todays date, 20 years of overdrawn, in that letter they stated they review the account annually, clearly they haven't been. Studying the statements in the sar I can see the last time the account was used by me for a £15 purchased, since then up to todays date other than £5 charged by Barclays (for statements I'd requested) there has been no activity for 9 years other than them adding interest and my paying in to keep the o/d within it's limit and pay the interest...... (rough figures contained in one of my posts above) Thats pretty much it....
  3. I'll work thorugh it, there are over 1500 pages
  4. SAR has arrived took them a while, I first went for their online application for it, didn't arrive, then went for a manual one, but never heard anything, in the end I called in at a branch and waited (almost an hour) for them to come back and give me the correct address to send it to. It was sent, I got an update to say it was ready at the branch, called in at the branch and they couldn't find it, went back a week later, still unable to find it, so went in and played my face 'not leaving until you give it to me' 2hours later they brought it out to me, all neatly packaged in 2 sealed bags, each about the thickness of a ream of printer paper, most of it is statements from quite a way back (barclaycards also) What am I specifically to look for?
  5. Re-reading the Ops thread, it's an exact replica (procedure/info) and participants (cabot/ruthbridge). My course of action will be my sending the letter back to them (taking a copy of it first) also enlcosing a stat barred letter (template from here) + informing them I've retained a proof of postage which 'should' leave Ruthbridge with a clear way forward on how not to proceed. What I won't be doing is responding to anything else they may want to send but instead simply send it back 'return to sender' Ruthbridge's letter is a little ambiguous (for fca purposes I guess) with terms such as 'to avoid any further action' quite what 'action' they can take once the star barred letter is sent remains to be seen
  6. They must be phishing, I've had a similar letter from Ruthbridge albeit accompanied by an introduction letter to them via Cabot on an alleged debt where the last communication with the original OC was 2003 (no correspondence from anyone else ever until now, with the best will in this would have been stat barred since 2009.
  7. I won't know that just yet, but I will endeavour to find out on the morrow when we catch up. There is a reference to it in the SAR but I think it's just some abbrv gobbledygook, this was the entry Third party import sent in using file type Statute Barred Date Upload, template Statute Barred Date Upload Third party import sent in using file type Statute Barred Flag Upload, template Statute Barred Flag Upload
  8. I'm hoping to have the original court orders post the judgement date later today or if not today at the weekend.
  9. Ok, I've had a good look through the SAR from Cabot, it is wholly consistent with my own issues with them from a couple of years ago, in as much as Cabot just seem to add money when they feel like it and with no notification of that in any letter but simply an increased balance is shown on the communication from them. After checking it appears this particular debt (one of two held with them) was subject to a county court order, I don't know the exact dates but am meeting my mate for coffee tomorrow and they have a feeling they have the original summons, but it appears it was around 2010 and it also may have been stat barred at the time as they dont remember paying anyting after 2003 to either the OC or Cabot...but I guess that is sadly academic now. One of the Court Orders is for a debt under under 5k so I'm assuming that whatever the judge awarded at the time was the amount to be collected and that no further charges for collection etc can be added? After going through the transaction details there are gaping errors and I know Andyorch says they can ask for what they like but it doesn't mean they'll get it .. but if they only send letters with their increased balances but no reasons why any increases then many of those paying cabot could be forgiven for thinking that what the letter says is what they owe and so on. In short, and going through the letters/ transaction details, the debt was in 2011 around £3000 (figures are approx), they have paid cabot back every month since then save for a 9 month gap (out of work/then back into work and blah blah) in that period of time Cabot added a total of just over £1200.....payments restarted and nothing has been added since. On an roundal letter in 2011 Cabot gave a balance, since that point (and ignoring other letters cabot sent in the meantime with various think of a number balances added)I've totalled all the payments my mate has paid and it leaves the amount owning at just shy of £700, when the SAR came thorough last week it gives a balance of just over £1900..... Am I right in thinking that Cabot cannot add to the amount on a ccj award and it's for them to consider enforcement if they're not being paid under the terms of the judgement? If these are charge can not my mate be asking for them back + interest (thus lowering her debt of just over 700 even further?) On a personal note, somebody somewhere of some clout really needs to go and take a look at Cabots business practices when it comes to their clients debts (alleged or not) and how they seem to simply increase their clients indebtedness still further .. ..I say this because in my own case and until I managed to wise up via info from here they added to my own alleged debt by 5/6k and without any notification/reason/court order/agreement/interest applicable...... I haven't gotten round the over 5k debt but once I get the court judgements tomorrow (hopefully) I'll look at that also, but I can already see 'adjustements' on that one also and for significantly more than this one.
  10. What a shame, a real shame, I guess it's a lesson for them that burying ones head in the sand is not the answer.... I guess they should now be writing to Cabot asking asking for a statement that does not include their adjustments.
  11. It was MBNA direct, I dont know when the card was originally given but from the file I think around pre 2003, it was certainly no later than that as thats when the papertrail via the cd seems to start. What I can't see and Im guessing it's standard fayre is any balances on the dvds statements, they're all redacted, there is an offer post their original sar request for them to settle but it doesn't give any amount and when they didn't respond a further letter sent before the SAR was finalised states they\ve not been sticking to their written agreement and they need to contact Cabot... .but in the payments section it shows all payments have been made solid for 4 or 5 years now ......and on cabots side when they add money to her balance they term it as an 'adjustment' but when I look through the correspondence (via the dvd) there is nothing from Cabot to them stating as to why they've 'adjusted' their balance. This is pretty consistent with how Cabot increased my own debt with them except cabot added much more to my own one
  12. I don't think so either, I had a similar route as this and Cabot have never been able to substantiate any of their claims. I'm looking through the SAR via the CD, Cabot state on one of the files that they wanted to speak to my friend as they were unsure as to why they were requesting said information, they commented that if it's for a ppi then they Cabot do not hold any copies of the original credit agreement and that my friend should be contacting MBNA direct...... Quite how Cabot got that judgement in court without any original credit agreement is anyones guess, I thought at the least they'd have had to provide it but again in default judgement possibly not (both this and Link were default judgements)
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