Gary44
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Cabot threatening to send Moorcroft doorstepper - old LLoyds Credit Card debt
Gary44 replied to Gary44's topic in Lloyds Bank
Thank you Andyorch, Is there anyway I can find out when the last payment was made short of combing my bank statements ? -
Cabot threatening to send Moorcroft doorstepper - old LLoyds Credit Card debt
Gary44 replied to Gary44's topic in Lloyds Bank
This is a credit card debt from Lloyd's bank from 2005, I was paying £5 per month until 2013 Thank you dx100uk, is it worth me sending a letter stating that I wish to revoke their right to come to my home ? -
Hi folks, For the last few months Cabot has been sending me letters demanding that I contact them. As the failed to provide me with the CCA in 2016, I ignored them. Today I received a letter stating that they are instructing Moorcroft to arrange a visit to my home. I sent them the template CCA letter on 28th July 2016, and received a reply on 3rd August 2016 stating that they were unable to get the relevant documents, and acknowledging the 12 day limit. (I still have all the letters). Up until recently I have not had any communication with Cabot for the past 2 years. My question is there a template letter I can send and where do I stand?
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GB energy customer, broken electricity meter
Gary44 replied to Gary44's topic in Utilities - Gas, Electricity, Water
Thank you this is the best advice I've received. I finally got through to OFgem who passed me on to CAB who basically said do nothing and hope the new supplier will be sympathetic. -
GB energy customer, broken electricity meter
Gary44 replied to Gary44's topic in Utilities - Gas, Electricity, Water
No one, we don't know who is supplying our energy. Ofgem maybe?? -
Hi Guys, I'm was a customer of GB energy, and after finding out they're I bust followed the advice to take a meter readings. However when I went to get the electric readings I found that my meter doesn't display the numbers and is faulty. GB energy will not respond and Ofgem keeps cutting me off when I try to phone them. Any advice please?
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cabot 2 lloyds credit cards - not provided CCA after 12 days what next?
Gary44 replied to Gary44's topic in Lloyds Bank
Thanks for the support Ericsbrother, I really appreciate the advise and support this site has offered me -
Thanks Belinda1066, It was an incredibly stressful process. even though I have been in receipt of higher rate mobility for 15 years.
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cabot 2 lloyds credit cards - not provided CCA after 12 days what next?
Gary44 replied to Gary44's topic in Lloyds Bank
Thank you DU100UK and Andy, I really appreciate the advice -
cabot 2 lloyds credit cards - not provided CCA after 12 days what next?
Gary44 replied to Gary44's topic in Lloyds Bank
Hi dx100uk, Thanks for taking the time to answer I have identical letters for both my wife and mine Lloyds credit cards both stating they cannot find the information I requested I presume they mean the CCA letter I sent them. My wife looked at her credit report and it said that the Lloyds debt was "terminated" what ever that means. presumably Lloyds have written it off and sold it to Cabot? Hi Ford, As far as I know there is no court proceedings in progress, the letter I got today said that they are not permitted to go to court as the "debt is currently unenforceable" Just an aside is Kathy Cakebread a real person? -
cabot 2 lloyds credit cards - not provided CCA after 12 days what next?
Gary44 replied to Gary44's topic in Lloyds Bank
hi Andy, thanks for the advice. Is there a template letter for inviting them to discontinue their claims for my wife and mine credit cards, and could you please direct me to the info on making a application to strike it out with costs. -
cabot 2 lloyds credit cards - not provided CCA after 12 days what next?
Gary44 replied to Gary44's topic in Lloyds Bank
I would be grateful for some further advice, I finally received a letter from Cabot Finance, saying that they cannot provide me with the requested information within the relevant time period, and they are continuing to request the information from Lloyds and the account will remain hold with the customer care dept until such time as they can comply with my request. They then state the credit agreement is unenforceable and they are not permitted to obtain a judgement or decree against me, however they then state I am obliged to repay the outstanding balance as confirmed in the letter going on to recommend that I contact them to set up a repayment plan. Where do I stand at the moment? -
cabot 2 lloyds credit cards - not provided CCA after 12 days what next?
Gary44 replied to Gary44's topic in Lloyds Bank
I would be grateful for some further advice, I finally received a letter from Cabot Finance, saying that they cannot provide me with the requested information within the relevant time period, and they are continuing to request the information from Lloyds and the account will remain hold with the customer care dept until such time as they can comply with my request. They then state the credit agreement is unenforceable and they are not permitted to obtain a judgement or decree against me, however they then state I am obliged to repay the outstanding balance as confirmed in the letter going on to recommend that I contact them to set up a repayment plan. Where do I stand at the moment? -
I honestly don't know, the assumptions and errors made by the assessor, were glaring and if she had bothered to read the form and supporting evidence, 30 plus pages including x rays, consultants reports and letters, all indexed to the questions, relevant information and statements clearly highlighted, to make it impossible for the DWP and its accomplices to say they didn't have the necessary information. she would have probably not written what she did. However, I do think that a covert recording allows people to hoist ATOS by its own petard and gives you a clear picture of the process to go forward with a mandatory reconsideration or tribunal. I think that when they know that they will be held accountable on a official recording they don't use the standard interview techniques, but stick to the letter of the law. My personal opinion is that ATOS and its assessors hold everyone they see in contempt, regarding them as feckless parasites trying to work the system. I would despite the risks use covert recording again because the DWP and ATOS cannot be trusted
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Hi Jason, I suppose you could have called it covert, my wife's phone was in a fabric phone case in the outside mesh pocket of the folder I use to keep all the forms etc together, it was placed on the desk in clear view, but the screen was facing down so not visible. I didn't tell the assessor that the phone was recording. But with out having a recording I couldn't prove the "errors" that turned up in the report.
