Morgan Stanley/Goldfish Cabot are now chasing advice please

[tbern123]

If my experience is anything to go by, once you have the "contact them yourself" letter, you won't hear from Cabot again. That does not mean to say they won't pass it on to another DCA, which in my case didn't happen. Each individual case is different so there is no way what will actually happen in your case. I give you my experience with Cabot in support. I think you will have understood this and don't need the obvious pointed out to you.

 

I agree with Seahorse and I think you should send a SAR. Afterall if they have no agreement they do not have any authority to be processing your data. A SAR will confirm what if any information they have about you and it usually also contains a few nuggets of information you can use against Cabot if need be at a later stage.

 

For the avoidance of doubt and to avoid any confusion a SAR is not an admission of a debt. It is your legal right under the DPA.

[tbern123]

Forgot to add, in my experience which isn't really that much in relation to Cabot (I jest with you)

 

Cabot don't give up that easily, even if they don't have an agreement they are like a dog with a bone.

[tbern123]

I give you my experience with Cabot in support. I think you will have understood this and don't need the obvious pointed out to you.

 

We can all beat our chests in relation to our experiences with Cabot...

 

For example here is my thread with over two thousand posts

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/36665-cabot-again-urgent-help.html

 

Here is my thread when I started litigation against Cabot

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/80270-litigation-tbern123-cabot-financial.html

 

Oh here is my thread detailing how I stopped Cabot Calling

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/33320-no-more-calls-cabot.html

 

Seahorse isn't exactly a stranger to the workings of Cabot either

 

With nearly 1,000 posts

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/54029-seahorse-cabot.html

 

Seahorse also runs a very informative blog and was responsible for a lot of investigation into the inner workings of Cabot....

 

I would personally (I have in the past) follow any advice given by Seahorse as he has done it and got the teashirt (or should that be the website)

 

This is nothing personal against you pinky, I just feel the original poster should be able to make an informed decision in relation to which advice he should follow

[tbern123]

Wot about the rest of the Cabot Fan Club matey?

 

 

millyuns of posts - millyuns and millyuns we almost got a personal invite from our Ken!

 

 

Oi don't you start..... Women !!!!!! All they want is attention attention attention

[tbern123]

Seahorse's view is only one view. I don't agree with him and I doubt if he has been any more successful in dealing with creditors than I have.

 

I won't put words into Seahorses mouth, but speaking for myself I have been very successful in dealing with creditors... Just ask Mr Maynard...

 

Part of my success has been due to the advice and support of seahorse... He has done a lot of investigation into Cabot..

 

As for SAR's if anyone would like to have a debate about how this is an admission of a debt, please start and thread as that is a discussion I would glady join

[tbern123]

Hello, I think a SAR is a good idea. Cabot gives you copies of all their notes. When I took them to Court I found a few very interesting things that I was able to turn around and use against them.

 

Use this to write your letter

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/96518-data-protection-act-subject.html

 

Remember to enclose a payment of £10

 

The best person to write to is Mr Ken Maynard @ the Cabot address

[tbern123]

I agree with Seahorse, Tbern and Andrew1 -- They talk sense they do

 

First time, I have had that said about me... Usually old I am talking bull

[tbern123]

I think I will rest comfortably on my laurels - I put my house into Trust so it's totally untouchable and Cabot cannot do anything without any credit agreements. I'm not fussed about my credit rating because I don't need it so they can turn up in years to come if they like. Thanks for all the advice - and for sending the moll along too! Lmfao.

 

Sadly two things could happen, one the original lender could supply Cabot with a copy of the agreement and / or this could be passed to another DCA and they could obtain a copy of the agreement. To assume that they have gone away is wishful thinking at best and foolish at worst.

 

This brings me back to the matter of the SAR. It will confirm in writing for you, if Cabot have contacted the original creditor and why they have not supplied a copy of the agreement.

 

I personally feel it is better to be proactive and take steps to ensure that you NEVER hear from Cabot again.

 

I wish I could also be so carefree about my credit rating, however, this can effect your employment, you may have trouble getting a contract mobile phone, opening a bank account or obtaining credit.

 

Six years is a long time and one day within that period you may need one of the above.