Hodsons-Solicitors for Cabot!

[Alex2008]

Hi All,

 

Cabot has been sending me letters demanding for payment ...However, I have ...them because:

 

Please, could you help by advising me.

 

 

Thank you,

 

 

Alex

Edited September 1, 2008 by Alex2008

[42man]

Send a recorded delivery letter...if you have neither paid or acknowledged the debt in the last 6 years (5 in Scotland) then it is statute barred...

 

Letter 'M' from here.... http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

[Alex2008]

Thank you 42 man,

 

Do I need to send the S.A.R - (Subject Access Request)+CCA letters to Cabot and Hodson since I am not entirely sure with the gap in the claim?

 

How do I find out if it is really statute barred

 

Sorry if I am sounding a little confused, because I am feeling a little stressed about all this!

 

I am sure you understand.

 

Alex

Edited September 1, 2008 by Alex2008

[42man]

Send letter 'M' to both Hodsons AND Cabot, then there is no confusing the issure for either of them...

 

Send the CCA request to Cabot....(by recorded delivery, with a £1 postal order)

 

The SAR needs to go to the original creditor....or if you may suspect you have paid something to Cabot's then send them a SAR too...

[Alex2008]

Thank you again 42man,

 

It getting much clearer with your explanation.

 

Now:

 

 

 

Alex

Edited September 1, 2008 by Alex2008

[42man]

This is the SAR....but the SAR is used to reveal ALL the records they hold on you....the SAR will cost £10 (send a postal order - and do not hand sign it and send it by recorded/guaranteed delivery) It is up to you if you want to send a SAR to Cabot....but I think you should be quite safe as this debt is statute barred....send the stat barred letter first to Cabot and Hodsons by recorded first

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

 

print but don't sign your name

[42man]

Don't be too specific in what you say here as Cabot read these threads all the time...

[Jesteruk]

ARG card is if im correct Argos card.

if it was an ARG Mastercard the contact details are :

 

Argos MasterCard,

P.O. Box 6239,

Basildon

S14 9WX

 

If it was Argos Store card then its:

Home Retail Group Card Services Ltd,

Royal Avenue,

Widnes,

WA88 1AL.

[Alex2008]

What is the link for a CCA template please!

 

THANK YOU ALL, I REALLY APPRECIATE YOUR HELP!!!

[Jesteruk]

HERE

 

remeber do not sign it and send recorded/signed delivery