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About MadMat

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  1. Out of the blue this morning a letter from Mortimer Clarke, we have been instructed by our client to discontinue, attached is a copy of the discontinuation form Someone must have been clearing up some old paperwork! Just posting so you guys knew that this one could be chalked up as a definite win! Mat
  2. It was a very old personal loan - taken out when I was already up to my eyeballs in credit card debt. I used it to pay off my over limit staff credit card and an unauthorised overdraft on a staff current account - I worked for a high street bank at the time, and in the 90's the rules on staff financial conduct were quite strict - I was in danger of losing my job and grasping at straws! It didn't help, was already too far gone and ended up losing the job, and my flat was repossessed. Mat
  3. Reply received from Cabot yesterday - Dear MadMat We have decided to uphold your dispute and have made the decision to close your account . . . .blah blah blah Really trying to make it sound as though they had a choice and are doing me a big favour Thanks everyone who pitched in Mat
  4. Well no reply yet, but something has happened as the phone calls and texts seem to have stopped . . . Mat
  5. FWIW I sent them the SB letter from the library, and added the line This letter does not acknowledge any debt owed to you or your affiliates, agents, owners or otherwise. As I too was worried that they might try to argue that the SB letter itself acknowledges the debt Mat
  6. SB Letter arrived with Cabot and was signed for this morning. They also woke me by calling from a number I've not previously seen to blacklist at 8am!! ( I worked till midnight last night ) Mat
  7. I'm very careful with who has my mobile number - as I mainly work nights I don't want to be bothered while sleeping during the day time by marketing calls etc. One thing that does come to mind - I had a letter from equifax telling me I was affected by their recent security breach - one of the items listed as accessed was my phone number! Mat
  8. I do know who the original lender was, it's on the Cabot letters, but don't have any account numbers or other details would simply giving them my name and address at the time be enough? SB letter will be going off to Cabot tomorrow (at work right now) Thanks to everyone who took the time to reply. Mat
  9. Yes, several times. Them going for a default CCJ at an old address is one of the concerns I have! I'm a taxi driver so both They are calling my mobile. No idea how they got hold of it. Mat
  10. I've just started receiving threat-o-grams from Cabot about a really old debt from my younger and more stupid days! This debt was defaulted on in the late 90's - I know as it was around the same time as I defaulted on several other debts and my flat and car were repossessed (yes I was really really stupid when I was younger) I know it's statute barred, but whats the best way to get rid of them? preferably stopping them from passing it down the food chain to another DCA too. I've tried ignoring them, but they are now trying to call me daily while I work and it's becoming annoying. TIA Mat
  11. It's the credit file issue that's bothering me, Wifey was hoping to finance a new car later on this year . . . . The call in question was 35 mins long and in May of this year. Surely they'd be required to retain them longer than 6 months? I'm gong to get her to open an account at clearscore to check for markers, but as far as I'm aware no default notice has been issued Mat
  12. Aye, but educating the wife in the ways of being a CAGger is taking longer than anticipated! SAR letter with cheque going off to Vodaphone Communicate in writing only letter also going to the DCA hopefully that'll put them off until we get a reply to the SAR Thanks for your help !! Mat
  13. My wife has had a long standing dispute with Vodaphone A few months ago during a long phone call a vodaphone rep agreed to cancel her contract and close the account with nothing further due to pay. We have now started getting letters from a DCA, claiming she owes Vodaphone just over £800. which is the remainder of the 2 year contract plus the cost of the handset involved. after talking to the DCA they claim the above call "never happened" and are now harassing her in the usual way for payment Can we force Vodafone to supply us with a copy of the recording of the phone call? maybe with a SAR ? I can prove the call happened as it's on my itemised BT phone bill but not what was discussed. TIA Mat
  14. I kind of read it as a last try begging letter, please give us some cash before we have to give up, so my instinct is to ignore. I strongly suspect that if they were to proceed they'd still be open to negotiation even after the 30 days deadline. After all if they were sure of a win at a hearing they wouldn't be offering 50% discounts would they Mat
  15. It says the offer will be withdrawn after 30 days, doesn't really say anything else. one section mentions "Further court procedings" but doesn't specify what or when Mat
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