This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Apologies for the lack of updates on this, however since receiving my 'final response from Cabot early last month and my complaint to Consumer Direct I have heard nothing. Hopefully a good thing? Saddler10

Got a reply today from Consumer Direct, my complaint has been passed to Trading Standards.

have just sent my complaint to Consumer Direct, will update on any progress... Saddler10

More from Cabot, anyone who would like to tear it apart, feel free, think there are issues with misquoting/selective quoting of cca as discussed here; http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/223570-cabot-financial-dealing-cabot-2.html

Thanks AC. As far as my CCA request goes, it was made to Egg while the account was being handled by DLC. Eventually, I got a statement of account from DLC but nothing else. When it went to ARC, again I told the DCA that this was unenforcable, eventually ARC provided me with the same statement that I had already received, some kind of generic terms and conditions apparently from the time that I opened my account. They also confirmed to me that Egg could not locate my agreement. When you say you do not buy the NoA, I can see how dodgy it is and have mentioned it in my complaint to Trading Standards, any other action you would suggest on this? Saddler10

Just to update, after receiving my 'agreement' in June (see post 19), I informed Cabot that the 'agreement' is unenforcable for reasons discussed here; http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html Saddler10

Thanks Angry Cat, emailed my local trading standards yesterday. Notice you complained through Consumer Direct and they passed it on to Trading Standards, is this the best way to go? Saddler10

Thanks spamheed, will get my letters back up as soon as I can, properly edited of course! Saddler10

So, after about six months this is the letter and 'agreement' that Cabot sent me, I will try and post the reply I sent them shortly;

Some interesting stuff here, shame I have to go to work today! Just to try and get things up to date, following Cabot's first contact almost a year ago, I wrote back straight away informing them the account was disputed. They then sent me a letter to say they would contact Egg regarding my 'query'. I wasn't really making a query, I was telling them the account was in dispute. They said they expected to get a reply from Egg within 21 days but due to archiving could take longer. I then heard nothing for about six months, when Cabot sent the 'agreement'. I will scan the letter and agreement for my next post. Saddler10

Cabot have sent an 'agreement', which I believe to be unenforcable due to reasons discussed here; http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html However, I don't think an unenforcable agreement will stop Cabot. Saddler10

Hi, I informed Cabot that the account is in dispute, but they are ignoring that and continuing to pursue and add interest. Saddler10