just spoke to em told them yet again take me to court...reply was.. it aint worth our while...we will continue to press for payment..ok bye bye

How much are they chasing if you don't mind me asking?

Well I have had a reply.

Basically the letter states "that the copy enclosed is an updated version of the terms and conditions and as such complies fully with our obligation under sections 77/78 of the Consumer Credit Act"

They have asked that I reply within 14 days with a repayment proposal or account will be escalated.

So, any ideas folk?

Brief update,

I wrote back to Cabot on 1st Feb informing them that the terms and conditions they sent seem to just be a print off from the current Cahoot Credit Card website (2010) and politely reminded them that I have been requesting correct info from them since July 2008.

No reply yet but will update again once they do.

Just one other thing, I'm not really clear on the rights and wrong of how default notices should be given. I have never seen a default notice for the Cahoot Credit card in question and certainly wasn't on my credit file when I bought my house in 2007. Does this have any relevance to my defence against Cabot?

Hello,

I think you're right and will send off a letter to them regarding this. I'm no doubt sure they will be able to then send something with "2002" written on it, whether or not originally from that time though, who can tell?

I feel I'm getting close to the stage of wanting to make an offer to them to just get rid of them as this dispute has been running 18 months now. I know this is their plan so don't want to give up yet but it is draining.

Thanks again

Hello Bazouka,

The sent me what is basically a 23 page set of Terms and Conditions, but would appear to be dated 2010. Basically, it looks as if they have printed off all of Cahoots current T@C's as they stand today.

Thanks

bump

Maybe in luck....

Cahoot Doc 1.doc

Cahoot Doc 2.doc

Have a quick look at this thread:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful.html

 

It shows what needs to be there. It would be most helpful if there was any scanner you could use (maybe local library?) as then members can look and offer more accurate advice.

 

Cheers.

UF

Thanks UF,

I've managed to scan the two page document but the size appears to be slightly too big for this website . Could I email it to you?

VH

As a bare minimum it should have (1) how much credit (2) how much interest (3) how you will pay it back.

 

if any or all of these are missing you may well have a case for unenforceability.

 

the credit limit can say "we will tell you later" or just "its £ nnnnn"

 

anything else missing and it is only improperly executed and its enforceability will be upto the judge, who will probably make an enforcement order.......he may then decide to change details of the agreement...(or not) depending on how much prejudice has been caused.

 

 

rgds

 

dave

Thanks Dave,

Under the "Credit Limit" section it simply states "we will tell you from time to time what your credit card limit is".

The copy does state the interest and repayment details but all of the Terms and Conditions are on a seperate, newly printed ( direct from Cahoot website, 2010 ). I wonder if I have a cae in requesting the T@C's at the time of my initial agreement (December 2002 ) .

Thanks again for any assistance

Good afternoon all,

 

I have read and taken heart from lots of threads relating to dealing with this company (well done everyone). I would like to share my dispute with these people and if anyone can offer assistance or help in anyway I will be more than grateful. I will try and be concise without, at this stage going overboard with details and will offer more information should anyone require it.

 

July 2008 I was contact by Cabot by letter informing me that someone from their company will be calling me - (OFT state this is bad practice under section 2.11a). I reply asking for details to be forwarded to me. A quick call I made to them established that they were looking for money from a Cahoot credit card last used in 2005, approx £2000.

 

A year passes......

 

July 2009 The exact same letter was sent. I again write back asking for details

 

Aug 2009 - Cabot write to say they are investigating - (OFT 2.1e - Failing to provide debtors or creditors with information on status of debts, for example, not providing requested statements when reasonably requested)

 

Sep 2009 - They again write to say they are investigating

 

late Sep 2009 - They write to explain that hey purchased my account from Cahoot in July 2008 and claim they responded by email to my first query, if they did then I never recieved said email.

 

This letter explained that they had contacted Cahoot in 2008 to ask fro details relating to this debt and that they wrote to me in Oct '08 and Jan '09 - here Cabot admit they had been sending correspondance to an address I last lived in in 2004!!. They again say that they are waiting for Cahoot to provide more info.

 

30th Dec 2009 -They write this time with copies of credit card statements, apparantly proving I owe £2000 from a Cahoot credit card last used in 2005.

 

Ok, I now have to decide what to do next. I have contacted them to inform that I have received their letter and will respond in due course. I have read other cases from people on this forum and it seems I should be looking for Cabot to provide the original copy of my credit agreement, which I thought they would have done considering they have been chasing the relevant info now for about 18 months.

 

Thankyou for reading.

I've received a letter back from Cabot. They claim they have included an "enforcable credit agreement". Sorry I don't have a scanner to show a copy of this at this stage

In the meantime, what should I be looking for? I cannot see anything relating to my right to cancel and also nothing with regards any charges for late payments. Also there is nothing that suggests an agreed credit card limit.

I have started a seperate thread also and apologise for clogging this thread up but i'm just trying to get as much info from fellows Caggers as I can.

Regards

I've received a letter back from Cabot. They claim they have included an "enforcable credit agreement". Sorry I don't have a scanner to show a copy of this.

In the meantime, what should I be looking for? I cannot see anything relating to my right to cancel and also nothing with regards any charges for late payments

Thanks

Ok, a CCA request has been sent off to Cabot ( recorded delivery, 6th Jan).

Not expecting a prompt response and can only guess what kind of reply I will eventually receive. In the mean time I was wondering if the fact Cahoot Credit Card failed to offer a default notice, will this help my case in anyway?

When buying my house is 2007 there was no sign of any default on my credit report so only assume this is still the case.

Sorry if this is a stupid question

Good afternoon all,

I have read and taken heart from lots of threads relating to dealing with this company (well done everyone). I would like to share my dispute with these people and if anyone can offer assistance or help in anyway I will be more than grateful. I will try and be concise without, at this stage going overboard with details and will offer more information should anyone require it.

July 2008 I was contact by Cabot by letter informing me that someone from their company will be calling me - (OFT state this is bad practice under section 2.11a). I reply asking for details to be forwarded to me. A quick call I made to them established that they were looking for money from a Cahoot credit card last used in 2005, approx £2000.

A year passes......

July 2009 The exact same letter was sent. I again write back asking for details

Aug 2009 - Cabot write to say they are investigating - (OFT 2.1e - Failing to provide debtors or creditors with information on status of debts, for example, not providing requested statements when reasonably requested)

Sep 2009 - They again write to say they are investigating

late Sep 2009 - They write to explain that hey purchased my account from Cahoot in July 2008 and claim they responded by email to my first query, if they did then I never recieved said email.

This letter explained that they had contacted Cahoot in 2008 to ask fro details relating to this debt and that they wrote to me in Oct '08 and Jan '09 - here Cabot admit they had been sending correspondance to an address I last lived in in 2004!!. They again say that they are waiting for Cahoot to provide more info.

30th Dec 2009 -They write this time with copies of credit card statements, apparantly proving I owe £2000 from a Cahoot credit card last used in 2005.

Ok, I now have to decide what to do next. I have contacted them to inform that I have received their letter and will respond in due course. I have read other cases from people on this forum and it seems I should be looking for Cabot to provide the original copy of my credit agreement, which I thought they would have done considering they have been chasing the relevant info now for about 18 months.

Thankyou for reading.

Good afternoon all,

I have read and taken heart from lots of threads relating to dealing with this company (well done everyone). I would like to share my dispute with these people and if anyone can offer assistance or help in anyway I will be more than grateful. I will try and be concise without, at this stage going overboard with details and will offer more information should anyone require it.

July 2008 I was contact by Cabot by letter informing me that someone from their company will be calling me - (OFT state this is bad practice under section 2.11a). I reply asking for details to be forwarded to me. A quick call I made to them established that they were looking for money from a Cahoot credit card last used in 2005, approx £2000.

A year passes......

July 2009 The exact same letter was sent. I again write back asking for details

Aug 2009 - Cabot write to say they are investigating - (OFT 2.1e - Failing to provide debtors or creditors with information on status of debts, for example, not providing requested statements when reasonably requested)

Sep 2009 - They again write to say they are investigating

late Sep 2009 - They write to explain that hey purchased my account from Cahoot in July 2008 and claim they responded by email to my first query, if they did then I never recieved said email.

This letter explained that they had contacted Cahoot in 2008 to ask fro details relating to this debt and that they wrote to me in Oct '08 and Jan '09 - here Cabot admit they had been sending correspondance to an address I last lived in in 2004!!. They again say that they are waiting for Cahoot to provide more info.

30th Dec 2009 -They write this time with copies of credit card statements, apparantly proving I owe £2000 from a Cahoot credit card last used in 2005.

Ok, I now have to decide what to do next. I have contacted them to inform that I have received their letter and will respond in due course. I have read other cases from people on this forum and it seems I should be looking for Cabot to provide the original copy of my credit agreement, which I thought they would have done considering they have been chasing the relevant info now for about 18 months.

Thankyou for reading.