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I have tried to post a link to you and yours BBC radio 4 14/ 06/2012 but the site won't let me, so you will have hunt it down yourselves. I guess I haven't got enough priviledge so perhaps someone else can put the link up. It features an employee of Cabot recorded being very economical with the true while trying to [EDIT] less than £50 for a disputed 15 year old debt. The piece is at the beginning so you don't need to listen all the way through. Note how wishy washy the regulator is, certainly not fit for purpose and not surprising that that debt collectors get away with so much. I think we should all phone up Cabot and play the piece back them down the phone, very little hurt more than contempt. Martin g