Cabot/GoldFish/???

[Duffers Mum]

Corn - last letter was last week, i'm not even bothering to reply, I'll wait and see what comes up, but I am definately going to report Cabot if they don't stop processing my data. My credit file is well and truly wrecked anyway with 1st Cretins default, Sainsburys Default and M&S default so I thought it didn't matter that much, however the principle remains that they are acting outside of the law.

 

I don't want to hijack this thread, so my thread is here:-

Cabot Admit No Copy Agreement - The Consumer Forums

[vengeancedemon]

More or less the same here

 

MS to Goldfish ( but no notification) and Cabot cant produce, now almost a year since they crawled out of the swamp, and 7 months since last heard from them

[Rhia]

Sorry Cornucopia...you are too nice to Cabot. This is not an administrative error I believe this is deliberate policy to register default in order to keep some sort of control over the debtor - who knows some may well have paid up just because of negative comments.

Duffer's Mum I would complain to the Information Commissioner and make it clear they have not produced any agreement so they do not have your explicit permission to process your personal data. Do this and see what the ICO make of it. I have heard mixed reports but this is unlawful processing of an individual's personal information and potentially libellous.

[Duffers Mum]

Rhia - thanks for that, I will look into it further later, I do agree they shouldn't be allowed to get away with it.

[stitchedup]

Just to throw a spanner in the works, I too had an MS account that ended up with Goldfish and then Cabot, no executed agreement only an old MS application form etc........received court papers from Northampton last week, so just be aware they may try it on.....I'm prepared though

[manc1976]

Just to throw a spanner in the works, I too had an MS account that ended up with Goldfish and then Cabot, no executed agreement only an old MS application form etc........received court papers from Northampton last week, so just be aware they may try it on.....I'm prepared though

 

Can you post a link to your thread, so that I can follow your progress.

[Desperate Daniella]

subscribing

 

DD

[manc1976]

Well, it has been a while since Cabot wrote to me and then they send me this lovely letter

 

[Cornucopia]

HA HA HA! I have just had the EXACT same letter and we are talking a five figure sum.

 

What went wrong do you think? Shredder ran amok??!!

 

Just deciding how to proceed with the issue of Cabot still reporting to CRA's without paperwork.

 

It will be interesting to see how many more of these letters pop up!

 

 

Regards,

 

Corn x

[Duffers Mum]

Interesting that letter you received. Cabot advised me my account was being recalled to Goldfish (now Barclaycard I believe), they have now stopped updating my credit file and I suspect that this "alleged" debt will reappear via Barclaycard at some point in the future. The o/s balance on my account is approx £10K so I can't see them writing it off despite the fact that i've received diddly squat in response to my CCA to Cabot last year, not even an application form.

 

I think Cabot must have purchased a right bunch of duds from Goldfish/Morgan Stanley..what a shame

[Having_A_Knightmare]

Well Done....

Ive got one with these might be getting letter soon!!!

[Trudy B]

subbing with interest

[trumpetmaest]

I have one of these accs but I just keep getting letters from Steve Perring with threats !

[comino51]

I am just jumping in on this thread as I am in the hands of Cabot also. They bought account from Goldfish 2 years ago, and have not been able to provide me with copy of agreement. I phoned Goldfish at the time and they told me that anything to do with the account is know the responsibility of Cabot, I also have a letter of assignment wether this is genuine or a made up letter from Cabot I don't know but I have it anyway as evidence. They have put the account on hold as unenforcable as they cannot provide an agreement but state they have every right to distribute my details as per the original signed agreement blah blah, which of course they have not produced. I have not made any payments since this went into account on hold which was in March of this year and have heard nothing since. Do I just ignore it or do I contact them re data protection on my details!

[manc1976]

I have just ignored them to be honest, it is up to them to find the agreement and I dont want to remind them that they dont have one as yet, incase they start looking harder for it.

[Iceman54]

after 14 months they finally came up with my agrrement.............un}fortunately it is completely illegible......... I even got a member of their staff to admit (recorded) that it was illegible...... tick tock

[comino51]

I took out this Goldfish card when Goldfish was owned by British Gas so it has changed hands at least three times since then, I doubt if they can find the original agreement, just do not like the idea that one day someone completely new can pop up out of the bushes saying that I owe them huge amounts of money because Cabot have kept adding interest even though the account is supposedly on hold. They did not add interest for the first 6 months and arranged for me to pay £60 per month, unbeknown to myself they were adding over £100 per month interest without telling me and when I eventually found out they had added over £700 to the outstanding balance. I don't like the idea that they could be reporting me to credit reference agencies as non payment as there words were, even though the account is on hold you can still make payment if you choose to do so!!

[manc1976]

Got the following letter from Cabot on Saturday, they havent a clue what they are talking about. No agreement = No money from me

 

[Desperate Daniella]

Good Lord, where on earth is Goldfish Bank Limited?

 

We all thought it had disappeared into Barclaycard without trace, so where have Cabot been writing to? Probably some defunct office in Scotland where they have one spotty teenager who can't write a letter to save his life but can photocopy old statements.

 

DD

[Cornucopia]

Manc, you already have a letter from Cabot stating the debt was not recoverable, so why would they then think that providing statements was evidence enough? Er, I don't think so! I wonder if this will be a new tactic because they can't collect on any of the debts they bought in relation to Goldfish? Quite unbelievable.

 

Regards,

 

Corn x:)

[manc1976]

Manc, you already have a letter from Cabot stating the debt was not recoverable, so why would they then think that providing statements was evidence enough? Er, I don't think so! I wonder if this will be a new tactic because they can't collect on any of the debts they bought in relation to Goldfish? Quite unbelievable.

 

Regards,

 

Corn x:)

 

 

I have just gone over my paperwork and noticed that myself.

 

I am just going to ignore them as they are idiots !!!

[Duffers Mum]

Ah, Cabot tried that one with me too, last year, but when I rang them and said its not enforceable without an agreement, they agreed and said Goldfish had advised they could not provide an agreement, the last I heard they were handing it back to Goldfish/Barclaycard/Uncle Tom Cobbly or whoever owns Goldfish now!

 

I'd file it under C for Cretins

Edited October 18, 2009 by Duffers Mum

[manc1976]

Ah, Cabot tried that one with me too, last year, but when I rang them and said its not enforceable with an agreement, they agreed and said Goldfish had advised they could not provide an agreement, the last I heard they were handing it back to Goldfish/Barclaycard/Uncle Tom Cobbly or whoever owns Goldfish now!

 

I'd file it under C for Cretins

 

 

Sounds good to me

[comino51]

I had one of those letters and about 15 statements from 2005/2006, they said that it proved that I had an account with goldfish!!! They are know writing to Barclaycard to see if they can get the CCA but are being really nice and letting me know that if I start paying them again they will write off all interest that they have added (about £800 so far) and that they will stop all interest in the future. Nice of them!

[Windywoo]

Yep, same here.

 

OH had a Goldfish account, we got the irrecoverable letter as they couldn't provide a CCA, a few days later hey presto, statements and some T&Cs arrived. They now think they have an enforceable agreement - I think not!!

 

They keep sending their begging/threat letters, all of which get ignored!!