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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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      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.

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    • 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
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cabot and monument debt


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what ever gave u the idea they know stuff in the first place?

This is my first tenner on a SAR so I am wet behind the ears in that respect like most debtors out there. They are very effective at, trying it on, as you can tell from this miltipage thread. I suspect they get some good results with their tried and tested formulas at B/S. Pulling the wool is an art form. "You can fool some of the people some of the time and all of the people some of the time and that is usually good enough." as the saying goes. What I need is a list of missing items and as I don't know what should be in a SAR I can only do some educated guess work and wait to stand corrected.

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SAR

 

Missing, from the results of the SAR cabot sent me.

 

Argos Card

Some of the statements are missing.

Cabot actually defaulted this debt, yet no default letters included in SAR.

 

Monument

No statements.

Again defaulted by Cabot, but no copies of default letters in SAR.

 

The Funding Corporation

 

No statements on this loan account (Maybe not necessary)

Never been defaulted by The Fund Corp or Cabot so no default notices supplied by cabot.

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Re the missing items from the SAR.

 

I would write a letter like this.

 

Dear cabot.

 

I DO NOT ACKNOWLEDGE ANY DEBT TO CABOT OR ANY COMPANY CABOT CLAIM TO REPRESENT.

SUBJECT ACESS REQUEST. REQUEST FOR MISSING DOCUMENTS.

I am writing in regards to the subject access request made by me on XXXXXXX.

 

I am rather concerned as the subject acess request that you send ALL documentation in relation to me. Affter going threw the decuments you send me i have noticed that serval documents are missing. As result i require you to send me them all by .

Alleged argos debt. Your ref XXXXXXXXX

 

Full set of statements ( you can change that to statement numbers XXXXXX)

An EXACT copy of The deafult notice that Cabot alleges exist for this ALLEGED account.

 

Alleged Monument Account Your ref XXXXXXX

 

Full set of statements.

A EXACT copy of the deafult notice that Cabot alleges exists.

 

The Funding Corporation Your ref XXXXXXXX.

 

A full set of statements for this ALLEGED account.

 

I remind you that if you have not supplied this information by XXXXXX that your will be in deafult of the data protection act and i will report Cabot to the relivant authorites and anybody else i see fit these may be Information comissioner Office, Office of fair trading, The press local and national television and radio stations.

 

I trust you can comply before the date.

 

Yours

Overdone

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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28 July 2009.

 

Cabot Financial Ltd

P.O. Box 241

West Malling

KENT

M19 4NA

 

Dear Cabot. (RECORDED DELIVERY)

 

SUBJECT ACCESS REQUEST. REQUEST FOR MISSING DOCUMENTS.

 

I am writing with regard to the Subject Access Request made by me on 22 May 2009.

 

I am rather concerned as to the omissions of The SAR pertaining to be ALL the documentation in relation to myself. After going through the documents that you have sent me, I have noticed that several documents are missing. As result I still require that you send them to me within 12 days from the above date.

 

Alleged Argos debt. Your ref. ''''''''''''''''''''''''''''''''''''''''''

 

Missing statements from and including, September 2002 to May 2003.

EXACT copies of the default notice that Cabot alleges exist for this account.

 

Alleged Monument Account Your ref. """""""""""""""""""""""""

 

A full set of statements for this alleged account.

An EXACT copy of the default notice that Cabot alleges exists for this account.

 

The Funding Corporation Your ref. """""""""""""""""""""""""

 

A full set of statements for this ALLEGED account.

An EXACT copy of the default notice that Cabot alleges exists for this account.

 

I remind you that if you have not supplied this information within 12 days that your will be in default of the Data Protection Act and I will report Cabot to the relevant authorities.

 

I trust you can comply in time.

 

Yours faithfully,

Edited by overdone
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Subbing as i am in a similiar position for a monument card that cabot are chasing from may 04. Had all the same letters as you have had!

Reassuring to find you are arguing with template letters and paragraphs and nothing more inteligent than that. I put all my letters up on all my threads and all my responses too. Other people, particularly new to the scene, get to see the whole picture before it happens to them.

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  • 2 weeks later...
"I am rather concerned as to the omissions of The SAR pertaining to be ALL the documentation in relation to myself."
"purporting", Shirley?

Oh dear, why do these things always happen to me - I don't beli...

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Overdone: please visit the thread Tales of a dodgy DN - further discussions, its going round in circles there on the point of whether a contract is terminated on the back of a defective DN or not. I go with your understanding, but there are some strong arguments against that view.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/170345-tale-dodgy-dn.html

 

 

"If they cannot prove they sent a default notice, and then wrote off the debt, (which in your case they did) then they cannot serve a new one, as the account was written off, and so they cannot claim any more than the arrears at the time the DN was supposed to be sent. If the arrears at the time were mostly charges, then they're stuffed for those too."

 

As far as I am aware, Cabot defaulted the Monument and Argos card correctly but did not include any D Notices in my SAR, that is all, but it remains to be seen if they can come up with these 2 default notices. What I am curious about is The Funding Corp debt which has never been defaulted but sold on to Cabot. It does not appear on my credit files at all. It may be that, to write off a debt and sell it on does not require a default notice and that all cabot need to do is issue one correctly at some point.

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An account can be assigned at any time. It doesn't have to be because you have defaulted.

 

However, if you have technically defaulted but the OC doesn't follow through and actually default you, you are still in debt, and since they will dump you eventually, they can still assign the debt. Its then up to the new owner to issue a default notice if they wish to record that with the CRAs. They can't just record it otherwise. Normally they just take over the reporting of a default, but in this case it appears that there was no default to carry on reporting. If you get my drift.

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An account can be assigned at any time. It doesn't have to be because you have defaulted.

 

However, if you have technically defaulted but the OC doesn't follow through and actually default you, you are still in debt, and since they will dump you eventually, they can still assign the debt. Its then up to the new owner to issue a default notice if they wish to record that with the CRAs. They can't just record it otherwise. Normally they just take over the reporting of a default, but in this case it appears that there was no default to carry on reporting. If you get my drift.

So can Cabot now go ahead and default me?

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They could and I am surprised they haven't because they love to kick you when you are down.

 

But maybe they haven't because they are not geared up to do that. It's maybe too hard to work out what to do when their usual way of workin is just to let the CRAs no that they have taken over the reporting.

 

Either that or they no that since you don't actually have an agreement with them, they can't default you. So I think it unlikely they will bother, at least until somebody starts thinking for themselves in that company. :D

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  • 3 weeks later...

20 August 2009

 

Cabot Financial.

 

Dear Overdone,

 

Monument Credit Card.

 

Important Notice - Please Do Not Ignore

 

We wish to advise you that your account continues to be in default. Despite previous correspondence and requests from us, you have failed to settle or set up an arrangement on your account. Accordingly, the outstanding balance is payable immediately.

 

If you do not take action

 

If you do not take any positive action to settle the outstanding balance with us immediately, we will either forward your account to an external Debt Collection Agency or commence legal action to recover this debt if your account meets out litigation criteria.

 

Please note, that if we commence legal proceedings further costs and interest may be applied to your debt as part of a county Court Judgement.

 

Yours sincerely

 

 

Lindsay Thomas

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20 August 2009

 

Cabot Financial.

 

Dear Overdone,

 

Argos Card Services limited.

 

Important Notice - Please Do Not Ignore

 

We wish to advise you that your account continues to be in default. Despite previous correspondence and requests from us, you have failed to settle or set up an arrangement on your account. Accordingly, the outstanding balance is payable immediately.

 

If you do not take action

 

If you do not take any positive action to settle the outstanding balance with us immediately, we will either forward your account to an external Debt Collection Agency or commence legal action to recover this debt if your account meets out litigation criteria.

 

Please note, that if we commence legal proceedings further costs and interest may be applied to your debt as part of a county Court Judgement.

 

Yours sincerely

 

 

Lindsay Thomas

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Subbing - Hi OD we are at almost exactly the same stage as you - Received exactly the same letter as you have posted above & were advised to send them the no visitors allowed letter & then we received a letter last week from them in reply - but from another of their baby companies called FIRE. Am working on a suitable response to them at the moment. Will post the link to our thread for if you wanna look.

Take care, Mpols x

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/166869-cabot-aarghhhh.html

Edited by mysticpols06
Added link to thread :-)

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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  • 1 month later...
  • 2 weeks later...

Two letters today. One Monument the other Argos.

 

Cabot. Financial.

 

19 October 2009

 

Dear Overdone,

 

Monument and Argos

 

External Agency Recovery Notification

 

We've previously advised you that if you didn't repay your outstanding debt to Cabot, we'd take further action. Therefor, unless we hear from you immediately we'll instruct one of our debt recovery agents to call on you to collect the debt.

 

Contacting Cabot.

 

Call o845 0700 796 urgently and speak to one of our customer advisers.

 

Yours sincerely

 

 

Lindsay Thomas

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yep write them a letter

saying bog off

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 3 weeks later...

More begging letters.

 

Fire

Financial Investigations and Recoveries Europe Limited.

P.O. Box 4506

Rugby

CV21 9DY

 

4 November 2009

 

Make Us a Reasonable Offer

 

Dear Overdone,

 

Monument

 

Despite repeated requests for payment, you still owe our client, The Cabot Financial Group £2833.37

 

As a final attempt to resolve this matter and to stop any further action, FIRE will guarantee to consider any sensible offer in full and final settlement of your account. This offer can be either a one off payment plan, provided contact is made with this office by 19 November 2009.

 

Contact our team now on 0845 0700 381. Our opening hours are Mon to Fri 8.00 - 21.00 sat 9.00 - 17.00 Alternatively you can submit your offer by email to [email protected] or via our website FIRE - Financial Investigations & Recoveries Europe Ltd.

 

Yours sincerely

 

Fiona Reeves

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Fire

Financial Investigations and Recoveries Europe Limited.

P.O. Box 4506

Rugby

CV21 9DY

 

4 November 2009

 

Make Us a Reasonable Offer

 

Dear Overdone,

 

Argos

 

Despite repeated requests for payment, you still owe our client, The Cabot Financial Group £188.84

 

As a final attempt to resolve this matter and to stop any further action, FIRE will guarantee to consider any sensible offer in full and final settlement of your account. This offer can be either a one off payment plan, provided contact is made with this office by 19 November 2009.

 

Contact our team now on 0845 0700 381. Our opening hours are Mon to Fri 8.00 - 21.00 sat 9.00 - 17.00 Alternatively you can submit your offer by email to [email protected] or via our website FIRE - Financial Investigations & Recoveries Europe Ltd.

 

Yours sincerely

 

Fiona Reeves

__________________

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What about, send me a reasonable CCA agreement, in line with the law of the land and befitting of fit and proper persons to hold a consumer credit licence.

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Would a sensible offer be two fingers and "bog off"? ;)

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer 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.:)

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  • 3 weeks later...

Cabot Financial

 

18 November 2009

 

Our response to your correspondence

 

I refer to your letter addressed to our external agent, Financial Recoveries & Investigations Ltd received on 6 November 2009, which has been forwarded to me for response.

 

I understand that you believe we have not fully complied with your Subject Access Request under the data protection Act as we have not provided an exact copy of the default notice and full set of statements regarding all of the above referenced accounts.

 

As stated in our letter dated 22 June 2009, a SAR entitles you to a full data file, consisting of all information held on relevent filing systems and electronic records, regarding you and your account with the Cabot Financial Group.

 

Upon reviewing our records (really?)the original lenders, Argos, Monument and The Funding Corp, registered the defaults in relation to the accounts. (Now which of you is lying? Both Experian and Equifax overtly state CABOT registered the defaults) Therefor, the default notices, (if any) were issued by the original lenders and are subsequently not held on file with Cabot. (I wonder what the credit references agencies would do if I sent this frank admission? Remove my defaults?)

 

With regards to full statements of your accounts, you were provided with all the statements that Cabot held on file for these accounts.

 

Should you wish to obtain the aforementioned information, I would recommend you contact the original lenders directly. I have provided their contact details below.

 

For your ease of reference the outstanding balance on your accounts are as follows:

 

Cabot ref xxxxxxxxx

Cabot Ref xxxxxxxxx

Cabot Ref xxxxxxxxx

 

I would recommend you contact the Collections Department of our external agent, FIRE, within 14 days, on 0845 xxxx xxxxx who we hope can come up with more hogwash than we can in order to get you to give us our christmas spending money. Failing which, these accounts will be esculated within FIRE's collection procedures. (FIRE and paperwork? Don't give me ideas)

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All three accounts have now had a, we will send the boys in letter.

 

FIRE

Financial Investigations and Recoveries Limited.

 

P.O. Box 4506

RUGBY

CV21 9DY

26 October 2009

 

Ref No xxxxxxxxx

Client Cabot Financial Group

Original Lender. Argos Card Services.

Original Lender

Outstanding Balance £188.84

 

Pre-Visit Notification

No Further Notice or Warning Will be Given.

Client Cabot Financial Group.

Refxxxxxxxxxxx The Funding Corporation £15010.52

Outstanding Balance.

 

Dear Overdone,

 

Your debt has been referred to us by the Cabot Financial Group. Due to the time this debt has remained unpaid. Immediate action is now required.

 

You must contact us within 48 Hours with

 

* A full settlement or a suitable offer of repayment.

 

If you Fail to respond, then we are instructed to continue with all recovery methods, which may result in one of the following actions being taken:

 

Our client commencing legal proceedings against you:

 

Doorstep Agents calling upon you.

Contact our recovery department on 0845 0700 381. Our opening hours are Mon to Fri 8.00 - 21.00 Sat 9.00 - 17.00

 

Yours sincerely

 

Fiona Reeves

Recoveries Manager.

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