iamgnome
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Everything posted by iamgnome
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Thanks for reopening this old thread! I'm back with an update. Cabot's lawyers have sent me the below letter: We are instructed to start legal action within 26 days if we do not hear from you regarding your outstanding balance. We will obtain a CCJ if we do not hear from you. As mentioned, I'm certain that the debt is now SB'd. Likewise, I haven't paid anything to Cabot or admitted that the debt is mine. They MIGHT claim that I made a payment after the default. If you remember, I did an SAR with Cabot and they tried to bluff a phantom payment. So, I'll aim to fire off the SB letter and if it goes to court then I'll defend that a) it's definitely SB'd and if needed, b) any payment Cabot are claiming is false and can be proved by xyz. Does that sound about right? Thanks as always, for your help with this long running saga!
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Thanks guys very helpful. I'll assume I'm in the clear but will keep a SB letter handy. Donation coming your way, this site has been a godsend...!
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Thanks it's been over six years now since the default with no court proceedings. Guess this is the end of it?
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Thanks dx just wanted to let you know, the OD is completely off my credit record. Does that mean it's statute barred now?
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Understood, I'll start calculating the figure and let you know if the letter appears. Thanks again for your patience dx.
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thanks so much dx, that makes a lot of sense! Cabot is trying to get a sum that is still in dispute and if they tried to go to Court then they'd be chasing fees on top of the actual figure? Is that right? Sounds like a catch 22 for them lol.
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Sounds good dx though the debt isn't all unlawful fees. I initially thought it was because they mixed it up with credit card debt (which wasn't sold to Cabot, hence the £200 figure in my OP) but it turns out a lot of this debt is cash withdrawals. Surely the interest argument won't work anymore?
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Thanks dx this is going to take some time... But I'll get back once I've done it. What's the steps after that?
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Hi all - finally got the SAR. Looks like the statements from HSBC match up with Cabot's. There also seems to be credit card debt but it's not clear whether that was sold to them or not but the OD definitely was. What do you recommend going forwards? Also to add - there is no default notice letter but a few letters that refer to a default notice letter! What does that mean?
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Got it - that's actually helpful to know. Cheers dx.
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Don't they share info with each other? I always figured Cabot was under HSBC's control but do the things HSBC can't publicly be held liable for. Either way, have sent a chaser and ignored BPO. They are way over their 30 days at this stage. I'll take it to the ICO if they don't respond after this. Thanks again Dx.
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dx, all - sent on the signed request for SAR, nothing from HSBC yet... However Cabot have written to say they've now passed the account over to BPO Collections because we've "been unable to reach an agreement". Guess the SAR got them spooked? Either way, seems like it was a hot load of nothing if they're that willing to pass it off! What do you think???
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Sorry dx, just read it again. Will sign and send on! I'm just being cautious but will take more cafe when asking for help, thanks again
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Thanks dx, I haven't read all of em. I take it I don't send them the signature but ask if they can provide another way of verifying identity?
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finally, they got back to me. The letter is responding to my email. They say they'll provide everything but I need to give them a written signature. Does this sound ok? I know CAG are a bit wary of signing anything for these banks... Cheers!
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Alright I'll try again with the new address in a few days. Thanks again!
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Thanks dx - I've given them a few days just to respond. If I don't get it, can I send a new one and put out a complaint to ICO for the old one? Sounds good on the DCA point. I mean, I don't think they've got any of the data either, which would be funny from our PoV.
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Dx why send a new one? Why not just attach the old one and remind them they're over the time limit?
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Lol... I phoned and they "have no idea" what my request is about and can't help (i.e. transfer me to a DPO department) without an account number. they told me to go to a nearby branch! I'm beginning to lose my patience with HSBC now! This thread talks about a similar situation and there's an email address there. Worth emailing them do you think?
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I had no idea! Just tried it and it seems to have taken me to the human queue. It's a bit late now but I'll give them a call tomorrow. Cheers dx!
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Dx, cheers - I tried that same number. You can call it yourself and you'll find it won't let you go further without entering account details.
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Thanks dx - just checked Royal Mail and it says the original letter was rejected and then rerouted to Coventry. This means they received it but should I just send one more chaser to that above address? Also anything specific I should say?
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What's the number? I tried the relevant ones on their site and they keep asking for account details. I sent the SAR to head office in Canada Square. Does the address matter? I read you can send it to any branch and they have to process it.
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Hi guys - been over a month since my last letter and no response. I've tried to phone them too but it only works for customers which I am no longer. Do I go to the ICO now (that's what I said I'd do in the letter)? If so, grateful for any resources CAG has on this.
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Got it! Helpful as ever. I'll chase HSBC on the SAR and see what Cabot do. Thanks again mate!
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