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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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B2B & my OH vs Cabot


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sorry to bother everyone with yet another cabot thread but on the threads I have looked at they all suggest starting your own thread so here it is.

 

My (our) story seems similar to everyone elses, had Citicards got into trouble financially, made agreements with Citicard, had the interest frozen then a month later the cards were sold to Cabot. Since then had over £400 in interest added although for each of the last 4 months they have promised to stop the interest. Been making £2 per month token payments on one of them, but payments were always (and still are) sent to Citi even though they have repeatedly rung me and asked me to change the bank details I send them to - the other has not had any interest charged and not had any payments sent either. Defaults have been issued on both.

 

Action taken so far

 

CCA letters sent 11/2/08 with £1 po for each of them

 

Letters received from Cabot dated 13/2/08 returning postal orders acknowledging receipt of CCA and stating they are not obliged to provide information but are pleased to have already requested this from our original lender. They state they anticipate being able to reply within 12 days (this is up tomorrow) but will write to us again if it can't be provided.

 

Thing is I am sure that they can't provide anything in writing as both cards were applied for online and I am certain that neither of us signed a credit agreement of any kind.

 

Their time is up tomorrow, if I don't hear from them what should I do next?

Cabot - £7000 - can't provide docs :)

Red Castle/GUS - unenforcable - phoney docs:)

Halifax £2000 bank charges refunded 12/7/07:)

Halifax (round 2) - LBA 30/8/08 - £2500 back within 3 weeks

Nat West - £2,000 - WON offer dated 7th December 2009 (a week after the Supreme Court Ruling !!!!)

 

In progress

 

Yorkshire (hubby) - LBA sent, discussion reggarding hardship undertaken waiting to see what their plans are after Supreme Court Case

 

Capital 1 - SAR'd - typed docs provided not originals gonna play letter ping pong for a while

Halifax Visa - when I get a moment

Halifax personal loan - when I get a moment

 

If all these come to cash I'll be a millionaire (ish)

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Guest Old_andrew2018

Hi not too sure on time scales, I believe that you should continue to pay for a time 30 days, I am sure there is someone who can give clear and accurate advice

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  • 4 months later...

Well, just to update ....

 

We received letters from Cabot a couple of weeks ago confirming that they will no longer be enforcing the debt (on my OH's account) as they are unable to provide original credit agreements.

 

I haven't had the letter for mine although it was nearly double the amount, neither of us have had any other correspondance since then.

 

I am loathe to say it just in case I tempt fate but it appears we may have "got off" with nearly £7,000 between the two accounts. (fingers crossed!!)

Cabot - £7000 - can't provide docs :)

Red Castle/GUS - unenforcable - phoney docs:)

Halifax £2000 bank charges refunded 12/7/07:)

Halifax (round 2) - LBA 30/8/08 - £2500 back within 3 weeks

Nat West - £2,000 - WON offer dated 7th December 2009 (a week after the Supreme Court Ruling !!!!)

 

In progress

 

Yorkshire (hubby) - LBA sent, discussion reggarding hardship undertaken waiting to see what their plans are after Supreme Court Case

 

Capital 1 - SAR'd - typed docs provided not originals gonna play letter ping pong for a while

Halifax Visa - when I get a moment

Halifax personal loan - when I get a moment

 

If all these come to cash I'll be a millionaire (ish)

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Well, just to update ....

 

We received letters from Cabot a couple of weeks ago confirming that they will no longer be enforcing the debt (on my OH's account) as they are unable to provide original credit agreements.

 

I haven't had the letter for mine although it was nearly double the amount, neither of us have had any other correspondance since then.

 

I am loathe to say it just in case I tempt fate but it appears we may have "got off" with nearly £7,000 between the two accounts. (fingers crossed!!)

 

You can bet your bottom dollar (or pound) this won't be the last you hear of this/these debt/s. Cabot will sell the account on, of that I'm certain.

 

Suffice to say that you will keep those letters Cabot have sent you because you'll be needing copies to send to more than one DCA in the future.

Just hate every DCA out there

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If you have CCA'd Cabot and they say they cannot supply the documents then technically Cabot are still in default and cannot pass/sell them on. If you get any letters from stupid debt collectors who don't know or ignore the law then a simple note to the effect that the matter is still in dispute with Cabot and that they are digging a hole for themselves legally should be enough to scare the twerps off.

 

It may then be a good idea to start complaining loudly to Cabot to get their house in order.

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Thanks for the heads up info - I certainly will keep hold of the letters :)

Cabot - £7000 - can't provide docs :)

Red Castle/GUS - unenforcable - phoney docs:)

Halifax £2000 bank charges refunded 12/7/07:)

Halifax (round 2) - LBA 30/8/08 - £2500 back within 3 weeks

Nat West - £2,000 - WON offer dated 7th December 2009 (a week after the Supreme Court Ruling !!!!)

 

In progress

 

Yorkshire (hubby) - LBA sent, discussion reggarding hardship undertaken waiting to see what their plans are after Supreme Court Case

 

Capital 1 - SAR'd - typed docs provided not originals gonna play letter ping pong for a while

Halifax Visa - when I get a moment

Halifax personal loan - when I get a moment

 

If all these come to cash I'll be a millionaire (ish)

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