Ah, yes. Owned by a poor victim of the US Credit Crunch. How many billions written off? How many heads rolled? And all because the greedy gits thought they could lend safely to "can't pays". When the reality should be obvious..... If enough Can't Pays then Don't Pay, and you flood the market with cheap repossessed houses, what's going to happen to house prices in general?????? And the economy will....??? Exactly. Silly beggars, ain't they? And they call us rogues!!!!

Note to self: stop reading SP's threads for fear of sides bursting open and messing up the carpet.

I think some of them sneaked into the gene pool while the lifeguard had his back turned.

Yup. One young lady (and at 19 years of age, I do mean YOUNG) claims her earnings are anywhere betwen £30 - £45K. I suspect that's not the norm, but it's probably not far off once you've been in the business for a while and worked your way up to a supervisory position. Imagine still living with your mum and bringing in that sort of money? No wonder they can afford to get stinking on voddy coke every weekend, and head off to the sun in the summer. And in some cases, hurtle round the streets in over rated pimpmobiles at speeds somewhat in excess of the posted limits.

Oh, dear. So my argument that Barclaycard should never have sold my account and data on because the only document I ever signed expressley forbade them from sharing my data, holds true. HAHA. I think I'll be seeing them BOTH in court in the near future then. Unfortunately, Cabot cannot claim in my case that they were reliant on BC, because they have been fully aware for some months now that this is exactly the scanario they are facing, and yet are bleating to the CSA that I should still have to pay up, and they are right to continue to proces my data. HAHAHAHAHHAHAHAHAHAHAHAHAHAH

You won't be disappointed. CapQuest staff seem particularly keen to show themselves off.

Nor me. But plenty to Bebo and MySpace: Personalities at Cabot Financial Blog HEHEHEHEEHEEEEEeeeeeeeeeeeeeeee. (Sadly, some of the links no longer work as some people have become very shy.)

How would you like to have your MySpace, Bebo etc profiles promoted for FREE? Just like these lucky people below... Other Personalities at Cabot Financial Blog Just drop me a line at the email address on the site there, with a link to your social networking profile, and I'll make sure the whole world knows what you are really like. Quash those silly rumours about knuckle dragging neanderthals. Show us the REAL you so we all know that you're just human beings, the same as us. Cabot have provided us with some New Faces too, and you can link to their profiles from here... Personalities at Cabot Financial Blog

No, no, no. Look at their "customer" website. We think of you as our customers and will treat you as such. In return, we ask that you work with us to allow us to help you. Our goal is to talk to you, so that we can understand your financial position and agree with you the best way to clear your account. Contact between us will take place by phone and letter. Only on rare occasions would we need a face to face meeting. We're all their happy "customers".

Go get them, Tiger.

Unfortunately, if the court found for the DCA, you may rightly be liable for legal and court costs. But the chances of them winning if you actually have the balls to turn up and defend are pretty minimal in a lot of cases.

This will make you giggle too...

The poor guy has only been in the job since May. Give him a chance.

It does seem to be confirmed by Glen Crawford of Cabot that assignments are indeed equitable. And one of the reasons for this being they could avoid paying stamp duty in the past. Of course, if they then wish to proceed down the litigation route, the assignment needs to be made a legal assignment, in order to take action on their own behalf without the involvement of the OC. And so one assumes that in that case, stamp duty would have been paid on a per account basis. I believe that the need for this to happen is irrelevant as above, but still the assignments themselves are equitable. However, in order to procede to court to chase a debt, the assignment still needs to made absolute, IMHO. And so they then need to take on the duties of the OC. Having said that, if a contract were to preclude such a thing hapening, I am baffled as to how they imagine they have any right to take legal action to recover the debt in their own name only. Perhaps someone could explain how that works in simple terms for a simple soul like me to understand?

Groupies? That would be nice.

Have you seen their website? They sound really professional and ethical on there. HAHAHAHAHA I've been trying to find employees profiles on MySpace and Bebo to put in my blog, but all I can find are EX employees. I guess they have a bit of a staff turnover problem.

I think that might be construed as vexatious, or vindictive. Can't have that, can we.

TWO Doorstep Dickheads? They must be worried that you might shout loudly and reduce a Single Simpleton to tears. I take it you won't be putting the kettle on when they call.

A bank (or other lender) may "take back" a debt that has been assigned. There is usually a time limit built into the agreement between lender and buyer which allows this to happen, after which time, it's tough luck Mr Debt Buyer. The reasons can vary but will usually be down to a breach of the agreement, such as the lender sold a debt that was not a "benefit" but was rather, a "burden.". I'm surprised this doesn't happen more often. An individual CCA's a debt buyer, the debt buyer can't get a copy of the CCA. Therefore the debt is unenforcable. Sounds like a burden to me. So why don't more buyers turn around to the lender and ask, "Can I get my money back, and here's your useless account, Mr Banker."

This was the CSA I complained to FC. Not the FOS. My original dispute was pre-April. So I can't get the FOS involved. Oh, dear. And they might have had a chance too. Never mind. Maybe the ICO can sort it, but if not, I think we'll be seeing the inside of a court early in the New Year.

FC, it doesn't matter. The T&C which they FINALLY came up with, I am very happy for them to show in evidence. They say that Barclaycard will not share my data AT ALL unless they ask, and get, my permission first. Another catch 22 for Cabot, methinks. Oh, and they'd have been hard pushed to get any T&C's on the reverse. It was a self sealing mailer, with their address on the back.

I thought I'd better tell Ms Aynsley, Jayne, Willem and Ken what I think of their response. Here's the email I've just sent her.

OK, here's Cabot's fairy story to the CSA... So there you have it. More nonsense from the masters of nonsense. Let's see what the ICO can do. They're Cabot's last chance of avoiding court.

OK, I'e had a response from the ICO saying my complaint against Cabot has been alocated to a case worker. Nice one! And today I've had a reply from the CSA in response to my complaint against Cabot too. Let's see if it was worthwhile, shall we? So there you have it. On the face of it, a waste of time. But at least I can tell a judge that I tried. And it sounds a bit like an invitation ofr everyone with concerns about the way Cabot work, to get a complaint in. GO ON THEN, EVERYBODY. MAKE HER DAY!!!! I'll be back in a mo with Cabot's response.

I have realised to my considerable distress that there is NO point talking to your manager and expecting what they type into their computer in front of you, to be recorded or remembered in any way. Mysteriously, arrangements you make, changes of circumstances you ask to be recorded, amandment to standing orders etc... ALL seem to revert back as soon as you walk out the door. Likewise any conversations you have on the phone disappear into a black hole, never to be resurrected again. Make sure ANYTHING you say to your bank is backed up in writing, sent recorded, because these days, the bank manager is NOT your friend.