Jump to content


  • Tweets

  • Posts

    • You probably do need to ignore it, but show it to us just in case. Cover up your name, address and anything that could ID you like your car reg. HB
    • Hi all! I've now had a "final notification letter" through from ECP. I assume I should continue to ignore this, but is there likely any action I need to take? Do you need to see a copy of the letter? Thanks
    • Please will you upload the defence in a PDF format document
    • Afternoon All - after 3 weeks of silence, this morning I received an email from HMCTS advising that P2G have rejected my claim. Decide whether to proceed Parcel2Go.com has rejected your claim. You need to decide whether to proceed with the claim. You need to respond before 4pm on 25 June 2024. Your claim won’t continue if you don’t respond by then. This is their ‘defence’ Their defence Why they disagree with the claim When choosing a service on the Defendants website, the Claimant chose to book their order with Evri and selected to take out £20 parcel protection which comes with the service. On the first page of the booking process, the Claimant entered the value of £265 for the contents and was offered parcel protection for loss or damages against their goods for £13.99 + VAT. The Claimant selected no, which then produced a pop up which explained 'We strongly recommend that you protect the full value of your item(s).' however, the Claimant still did not take this protection out and instead continued with the booking process. At the end of the booking process, the Claimant was offered this again which was refused and the Claimant continued with the booking by accepting the terms and conditions which re-iterates the information provided in the booking process. The parcel was sent, however, seems to be delayed in transit. The parcel finally started to track again, however, when delivered the parcel was empty with no contents. As such, the claim was re-opened and attempted to be settled for the £20 protection taken out in the booking process. This was refused by the Claimant as they felt they should be paid the full amount of the value entered when booking. Unfortunately, due to the refusal of the parcel protection in the booking process the Defendant is not liable to settle the claim to the value and only to the parcel protection taken out. The Defendant shall rely on the Terms and Conditions of carriage in particular section 9. The Defendant understands that the contents have not be handled with due care and attention, which is not being disputed, however, they are disputing the amount they are liable to. They have requested mediation, I’m sure not least to drag the case out even longer, but I can see no benefit to me in this and so shall reject it. As ever, I’d welcome your thoughts guys. g59   
    • I doubt HMCTS holds any data on whether arrests by AEAs required police assistance.  They couldn't or wouldn't provide data on how many of warrants issued were successfully executed - just the number issued!  In my experience, arrest warrants whether with or without bail are [surprisingly] carried out with little or no fuss.  I think it's about how you treat people - a little respect and courtesy goes a long way. If you treat people badly they will react the same way. Occasions when police are called to assist are not common and, having undertaken or managed many thousands of these over the years, I can only recall a handful of occasions when police assistance was necessary. On one occasion, many years ago, I arrested and transported a man from Hampshire to Bristol prison on a committal warrant. It was just me and he was no problem. I didn't know the Bristol area (pre Sat Nav) and he was kind enough to provide directions - seems he knew the prison.  One young chap on another committal warrant jumped out of his back window and I had to chase him across several garden fences.  When he gave up (we were both knackered) I agreed to drive by his girlfriend's house to say farewell for a while.  I gave them a few moments and he was fine. The most difficult are breach warrants but mainly in locating the defendant as they don't want to go back to prison - can't blame them.  These were always dealt with by the police until the Access to Justice Act transferred responsibility from them to the magistrates' courts. The fact was the police did not actively pursue them and generally only executed them when they arrested someone for something else and found they had a breach warrant outstanding.  Hence the transfer of responsibility.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Alf -v- A&L - MBNA - DEBT CLEAR - CABOT/RED - NOW CLARITY ON THE CASE


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4858 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Well didn't get 30 days to take up their once in a life time offer of 30% off, got 3 days.

 

Letters have now changed there tone again.

Cough up or else will be going to the next stage of our collections process, (What Again) been there, done that.

 

Contact us urgently, yeh right, go and swivel Cabot, starting to get on my nerves now. only time you will be getting any contact from me is when the court papers arrive. Bunch of incompetant idiots.

 

Cabotnewthreat.jpg

Link to post
Share on other sites

  • Replies 306
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Yeah ditto Alf, OH is back with Fire again:-

 

Make us a reasonable offer, I'd like to give them a reply to that but I'm too much of a lady to do so!!!

 

They have not tried to burn me with FIRE yet, but I'm sure its in the pipeline.

Link to post
Share on other sites

hi there, great thread,just aboot to go down the same line with mbna for a 16k debt on one card and a 5k debt on another card, so is it true they will get a charging order on property if its un-inforcable ? also how long from you stopped paying them till todate ? just so i can get a timescale on the doom

Keep up the good work alfwithhair

Link to post
Share on other sites

hi there, great thread,just aboot to go down the same line with mbna for a 16k debt on one card and a 5k debt on another card, so is it true they will get a charging order on property if its un-inforcable ? also how long from you stopped paying them till todate ? just so i can get a timescale on the doom

Keep up the good work alfwithhair

 

Well they are welcome to go for a charging order, the landlord would be pleased I'm sure.

 

As for paying them, they have not had a bean out of me for nearly two and a half years and never will.

Link to post
Share on other sites

hi there, great thread,just aboot to go down the same line with mbna for a 16k debt on one card and a 5k debt on another card, so is it true they will get a charging order on property if its un-inforcable ? also how long from you stopped paying them till todate ? just so i can get a timescale on the doom

Keep up the good work alfwithhair

 

They can't get a charging order without first going to court and winning.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

Link to post
Share on other sites

Alf do watch them though as they will file court papers out of the blue. So be prepared for that eventuality. Cabot doesn't seem to have learnt anything from the various bloody noses they have been dealt by CAGers. Thier last annual accounts also showed up a massive £6million loss so they are pretty desperate for income and are prepared to run the gauntlet in court.

Link to post
Share on other sites

If you have complaints about MBNA.. you might want to have a read of the following:

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2889152.html

 

 

posted by Winged piglet

 

I think I may have the answer to your Default Notice and the reason why you can't find it for your account number.

 

MBNA serve a letter of intention as you've quite rightly said under the ridiculous guise of the Banking Code :confused:- why only MBNA knows as they issue agreements under the CCA 1974 and are Consumer Credit Licence holders. The reason why you can't find a copy of the DN is because if you don't respond to the letter of intention (which they unlawfully rely upon to register a default), they Charge Off the account (allegedly for tax purposes anyone!) and they change the account number - take a close look at any DN from MBNA anyone has received and you will find the No's do not match! They then serve their own peculiar version of a compliant DN i.e asking for the whole amount, not giving 'not less than 14 days' etc under Section 87 of the CCA where they state that they've already registered the default etc etc. Normally their ploy is before this 'default notice' expires they sell this 'newly numbered' debt to a DCA for more money! MBNA legal team are complete buffoons who do not seem to know their a*se from their elbows!

 

If you have experienced this cr:evil:p from MBNA - please contact Alison Nuttall who is the Chester Trading Standards Enforcement Officer who is responsible for MBNA's compliance. Apparently she is totally unaware (genuinely) that all of us out in the real world are having problems with MBNA and she would love to hear from you BUT she will take the issues and complaints seriously.She is literally looking in to these issues now - so please DO contact her now - the more evidence against MBNA the better the result!

 

You can e-mail her on:

 

alison.nuttall@cheshirewe st.gov.uk

 

remember that any gaps in the email address will need to be closed.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

thenks for the replies,

the reason i ask is because i do own my house and other assets(which im selling) work turned from good to really grim in a matter of 2 months,i was going to write to all my credit cards asking for a reduced payment plan ,around £40 per month untill things get better , if they ever do , I still await cca copies from all of the cards where 3 are now overdue, I am concerned that if i stopped paying them all they would obtain a charging order here in scotland in a matter of months as i dont know the timescale for court from when you stop paying them , my thoughts were if i offer and pay a minimum token amount im trying to ressolve as best as i can and if it went to court quick the judge would see that i at least tried (but maybe if there is no cca and the account is in dispute thats not the way to go), i was mis-sold PPI and have subject accesss requested 3 cards so this amount i hope would reduce the balances, can anyone advise how to go about in writing asking them to freeeze intrest and cherges for 6 months then a review ? or am i being stupid even asking them this ?

Any help would be greatly appreciated as i want to start sorting it out before they get ugly ,forearmed is best i think

many thanks to all

Link to post
Share on other sites

thenks for the replies,

the reason i ask is because i do own my house and other assets(which im selling) work turned from good to really grim in a matter of 2 months,i was going to write to all my credit cards asking for a reduced payment plan ,around £40 per month untill things get better , if they ever do , I still await cca copies from all of the cards where 3 are now overdue, I am concerned that if i stopped paying them all they would obtain a charging order here in scotland in a matter of months as i dont know the timescale for court from when you stop paying them , my thoughts were if i offer and pay a minimum token amount im trying to ressolve as best as i can and if it went to court quick the judge would see that i at least tried (but maybe if there is no cca and the account is in dispute thats not the way to go), i was mis-sold PPI and have subject accesss requested 3 cards so this amount i hope would reduce the balances, can anyone advise how to go about in writing asking them to freeeze intrest and cherges for 6 months then a review ? or am i being stupid even asking them this ?

Any help would be greatly appreciated as i want to start sorting it out before they get ugly ,forearmed is best i think

many thanks to all

 

Just write to the card companies and offer what you can afford.

I did this with all mine.

MINT, CAPITAL ONE and MONUMENT all accepted without too much hassle, however BARCALYCARD refused to accept what was offered, so now get nothing and MBNA accepted my offer of payment and froze the interest and charges, then 4 months later said they didn't agree to it, (even though I have it in writing they did) and that the letter agreeing to it was sent out in error, so they also now get nothing and never will unless a judge orders it.

If creditors play ball with me they will get some form of payment, them that choose not to get nothing.

 

MBNA are slippery eels, be wary of anything they say, even if it is in writing.

Link to post
Share on other sites

Thanks again Alfwithhair,

I will do this, just need to know how quick they can get byou to coart if they are going to do that after the last payment

can anybody give me a rough guide, it would begreatly appreciated

i salute your attitude alfwithhair, well done and keep going:)

Link to post
Share on other sites

Thanks again Alfwithhair,

I will do this, just need to know how quick they can get byou to coart if they are going to do that after the last payment

can anybody give me a rough guide, it would begreatly appreciated

i salute your attitude alfwithhair, well done and keep going:)

 

If a creditor wishes to take you to court there is a lawful process they need to follow. Perhaps a few letters advising that they notice you arent paying, not paying sufficient. Then a Default Notice (must be provided in the correct manner to be valid), they must have a properly executed agreement with the prescribed terms (anything entered into after 2007 is deemed to be accurate).

 

Then they need to send you a termination notice, plus a Final demand for payment.

 

Some creditors phaff about passing you around a group of DCAs and in some instances assign (sell you on).

 

So there is no standard time from missing a first payment/ reducing the amount by way of a reduced plan, to actually having a claim issued against you.

 

A court would not look upon a creditor kindly if an offer was made and refused by the debtor.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • 3 weeks later...

Well the usual monthly begging letter from Cabot arrived this morning.

Balance up another £121.26, so since they bought the debt in January 2009 the balance has incresed by £2271.43. What these charges are I have no idea, they have never said or sent any statements, as I believe they are required to do at least once a year.

 

Now they are on the 'Pre Litigation Department route, I think they have been taking advice from Moorcroft to see how many silly departments they can invent.

 

But I did tell them I will see you in court a while back so maybe they are taking the buscuit at long last, will have to wait and see.

cabotprelitdept.jpg

Link to post
Share on other sites

  • 3 weeks later...

Yet more twaddle form the West Malling Muppets this morning.

They have esculated my account to the 'pre-litigation department'

Whoop di do.

 

Reckon they will be applying for a string of enforcement actions once a judgement has been granted to them.

 

I think they are forgetting I would have to default on the terms of the said judgement before they could apply to use any of their threats.

 

Or there again we might just instruct an external collection agency.

OOOO, who might that be FIRE? or

A Legal Agency? Thats a new one. What the hell is a Legal Agency.

 

They rearly be get on my nerves with their constant threats that never materialise in to anything.

cabotprelit.jpg

Link to post
Share on other sites

They also appear rather confident that they WILL get a judgment..:rolleyes:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • 4 weeks later...

Well after months of threats of court action, legal agencies and external collectors visits, We're back to square one with the idiots.

 

Letter today is same computer generated tosh as the one sent 25th January 2010. So obvious they never read nothing they are sent.

 

So the merry go round starts again.

Oh what joy. LOL

 

See the balance has increased again

 

cabotbackagain.jpg

Link to post
Share on other sites

  • 2 months later...

Well Cabot must be fed up of being ignored, they are trying to burn me with FIRE now.

Notification to Collect ?

Yeh right, Why do they think I am going to pay the FIRE bombers, when their so called 'client' on the next desk never managed to obtain a brass button.

What a waste of paper and the postmans shoe leather

Cabotonfire.jpg

Link to post
Share on other sites

Dear Sir,

 

References

 

Your letter dated 20th August 2010, mailed 2nd class post, was received by me today.

 

I must advise you that this account is in dispute with the original creditor and I would suggest that you return it to them for resolution of that dispute.

 

You should be aware that once you have been advised that there is a dispute on an account, then you are obliged to return it to your client.

 

Should you continue with threats in the manner you have implied in your rather intimidatory letter, you would be breaching OFT Debt Collection Guidelines. You can obtain a copy of those from the OFT website.

 

Your letter will also be passed to the OFT for their attention.

 

Yours etc, etc

Edited by citizenB

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

So the chain is that whilst the account was in dispute, it was assigned to Cabot, then Cabot has been farming it out to all and sundry yes ?

 

I would say yes, the letter is still valid.. if it was in dispute with MBNA then I would assume that Cabot took over the responsibility for that dispute.. One or the other of them needs to sort it out. Let them fight it out amongst themselves lol

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

So the chain is that whilst the account was in dispute, it was assigned to Cabot, then Cabot has been farming it out to all and sundry yes ?

 

I would say yes, the letter is still valid.. if it was in dispute with MBNA then I would assume that Cabot took over the responsibility for that dispute.. One or the other of them needs to sort it out. Let them fight it out amongst themselves lol

 

Quick outline to the story is,

This was an A&L card from 1998, MBNA took over the management of the account around 2002.

MBNA failed to supply a valid CCA, send A&L application form, with MBNA terms and issued a default with an incorrect acc number, which they changed prior but failed to notify me.

They then instructed Debt Clear Recovies to collect, which I believe is owned by MBNA.

MBNA sold the account to CABOT (NOA can from CABOT not MBNA)

CABOT have continued to chase and add interest since they allegidly bought it, told them it was in dispute with MBNA as no CCA, CABOT sent some system notes, still no CCA.

CABOT have not farmed it out to anybody else other than FIRE.

Hope this helps

Link to post
Share on other sites

I have edited the letter I posted for you earlier to remove mention of other DCAs. IMHO, having purchased the account then Cabot are responsible for resolving any issues.

 

Did you ever receive a proper Notice of Assignment ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...