Good Afternoon me and my debts

[lowwill]

Should I begin to make the agreed payment to Crabot without there producing the CCA?

[vengeancedemon]

My first contact from Lowells was aletter threatening all sorts of really nasty things, and that I was very bad to ignore all their previous letters ( never received of course) If I had not had help and guidance from the great people here, I would have had a bad fit of the panics, but instead, I smiled and shot of a CCA, after the usual delays, letters of "we are looking" version, etc, they eventually well out of time wrote and dropped it, so I shouldnt be too worried obout the Leeds Loosers

 

As has been said about Moorcrofts rubbish to send info, you could of course, use the letter in substitution for Andrex and send it back to them, but you would probably breach a Royal Mail regulation re sending noxious substances through the post!

 

I am sure this has been said, but if they telephone, refuse to answer any "Security Questions" and just repeat "All communication is to be in writing"

Dont ever engage in conversation with the afterbirth from DCA's, they are trained to be bullies, probably because they are Billy no mates, social misfits, retards, rejects from psychiatric care etc etc:)

[ScabHunter]

Should I begin to make the agreed payment to Crabot without there producing the CCA?

 

It depends on the timing.

 

If you are still within the 12+2 days which you have to allow before they default on the request, then you should technically still make the payment.

 

Once those 12+2 days have elapsed, I would suggest not making any more payments until they produce a valid enforceable agreement.

 

This is not a case of "avoiding debts", it is a matter of common sense. Every token payment you make pushes the limitation date further into the future, and extends the window for Crapbot to produce an enforceable agreement.

 

If they do produce an agreement, they will attack mercilessly and demand not only the balance which is probably ten times what they paid for the alleged debt, but also amounts added on for reasons known only to themselves.

 

I consider you have a perfect right to use the law to defend yourself, especially when they are operating outside of the law in attacking you. If you must pay them anything, do it as a properly negotiated full and final settlement. And if you go down that road, be VERY careful that the deal is watertight.

 

SH

[lowwill]

The letter requesting the CCA from Cabot was written on the 28/11 and posted the following day with the £1 postal order. They acknowledged the letter and returned the £1 p.o. on the 01/12 and also acknowledging that they would try and find the original CCA within 12 days. However, this being the 16th and they have not produced it only the letter I wrote about yesteday, from whichever point we start the 12 days + 2 my interpretation is that they are out of time, may I ask do you and colleagues agree with me.

[silverfox1961]

Morning lowwill,

I would imagine that day 1 for them would be 1/12 so 12 working days. by my calculations, that's today. Don't expect any post!

The ball is now in your court as what to do next (A/C in dispute or do nothing)

 

fox

[sploits]

Hi Lowwill. I had the same problem with Lowell over an alleged debt. I sent a CCA request in to them and I got the same letter saying they would request it and send it to me in due course. A few weeks later I got the letters again sayin I had to phone them to make payment. I got the letters from Hamptons and Red (all part of Lowell's). Then all of a sudden it went quiet. I actually sent the CCA request into them January 2008 and as yet still haven't recieved the CCA and even though I haven't had the letter stating they are closing the book on this debt it has all gone quiet.

 

I think you're on to a winner with Lowell. Just don't worry about them and have a great Christmas. All the best

[bigandyuk1]

Hi Lowill, I have been playing with the DCA's now for about a year and have recieved the same letters as you (at least twice from each DCA). If youlook around the site at copies of the DCA letters you will see that they cannot even be bothered to change the layout every six months or so... It looks to me as if the 12+2 is up so you are entitled to withold payment whilst the account is in dispute...

 

Have yourself a merry Christmas and after that try and learn to enjoy the games the DCA's play and Never Never speak to them on the phone..

 

Kind Regards

Bigandy

[lowwill]

I now have a new letter from our friends at Cabot Financial, it came in yesterday's post;

"Your Request

We write further to your request for information under sections 77 and/or 78 of the Consumer Credit Act 1974.

Although Cabot has requested the information, the original lender is experiencing a delay in retrieving the information from its archives.

We shall send the information to you as soon as we receive it.

THE STATUS OF YOUR ACCOUNT

We will as a gesture of godwill put your account on hold until we receive further communication from the original lender.

CONTACTING CABOT

If you have any queries about your account or payment options, call one of our etc, etc, etc."

 

Any views colleagues?

[silverfox1961]

Morning lowwill.

I got one of those too. Usual PC spit out so file under "ignore". With a little luck all will go quiet for a while. I think you will get another saying how many days it's been and they're continuing to put your account on hold.

 

fox

[fedup74]

Basically they're stuffed:D cos they cannot ask you for money.The next letter will probably be "We can't find your agreement but there is a balance outstanding- could you pay this , like, yesterday." Or, "We cannot find your agreement so we are passing it on to somebody else". Just ignore and have a good Christmas without paying these fools until they come up with your agreement:)

[ScabHunter]

This is word for word the same templated letter that all Crapbot "fans" get. Employing literate people to actually compose original letters would be far too much like hard work.

 

You've got to love the way they put your account on hold as a "gesture of goodwill". It is like one of Muhammad Ali's victims in the boxing ring, after receiving the knockout blow, saying "I really intended to win this fight, but as a gesture of goodwill I will now fall over."

 

SH

[ODC]

A gesture of goodwill my ar$e. They know that without a properly executed agreement they are stuffed. It really kills them to admit it though.

[lowwill]

Hope you all had a great Christmas everyone, I must say mine was a little better than of late thanks mainly to the help I've been given on here.

This morning however the first post delivery after the festivities is from Lowell Financial and it reads thus; (incidentally a follow on from the one received before the Christmas break)

"Following your recent request to be provided with a copy of the original credit agreement in respect of the CCA I can confirm our client has yet to furnish is (their spelling) with your agreement.

I can confirm however Compucredit are still in the process of retrieving the required paper work and once this has been forwarded onto us a copy will be posted to you.

There will be no further correspondence from us until the agreement has been received at which point we will require payment in full.

You currently still have the option to pay £xxxxx.00 as a full and final settlement in order to bring this matter to a close after which we reserve the right to proceed to collect the full balance.

If you would like to take the offer etc etc etc"

 

Any views please colleagues?

[ODC]

Next letter will be the Im sorry we cannot produce a CCA so we are closing our files one in about 10-14 days

[fedup74]

Hi lowwill hope you had a nice Christmas:) Take no notice of that letter they are obviously struggling to find your agreement:D Even if they do what is to say it is enforceable? It's good to see there will be no further correspondence from them until they find your agreement:rolleyes: Don't feel pressurised that they are saying they can collect the full balance- they would have to take you to court and you would then offer affordable payments IF they find an enforceable agreement. File under ignore and as ODC says the next letter will hopefully be the closing your file letter. Best of luck:)

[cashins]

You currently still have the option to pay £xxxxx.00 as a full and final settlement in order to bring this matter to a close after which we reserve the right to proceed to collect the full balance.

If you would like to take the offer etc etc etc"

 

 

Best get down to the bank Monday!!!

 

David

[ScabHunter]

Any views please colleagues?

 

Very much so. If you have a Santa Claus hanging on the wall by the fireplace, go and shake his hand, and thank him for bringing you such a wonderful Christmas present.

 

Clownell are the ultimate in predictable DCAs, and when they start trying to con you into accepting a full and final settlement you can be sure that's because they have no paperwork to back up their threats.

 

Lo, the days are hastening on, by prophet bards foretold

When Clownell chuck in the towel and you get to keep the gold

 

As predicted by Silverfox, lowwill is about to transmute into highwill.

 

SH

[silverfox1961]

 

As predicted by Silverfox, lowwill is about to transmute into highwill.

 

SH

 

 

:D:D

 

I like good news. Things are looking good lowwill.

Fingers crossed for the next couple of weeks then you can join me in the sad demise of the lowlifes.

 

fox

[lowwill]

I look forward to having the confidence to do just that. These last few weeks have been a real learning curve.

[vexlitigant]

Looks like you have received the last lot of correspondence from them. ODC & fedup are right. They are stuffed.

 

Enjoy

 

Vex

[lowwill]

Well just got home from work and on the last day of the year my dear friends Cabot Financial have remembered me with a letter as follows;

"We recently wrote to you informing you that the original lender is experiencing a delay in obtaining information from their archives. Although 24 days have passed since your request, we hope to be able to send the information to you shortly. We shall remind the original lender that your information remains outstanding and should be processed as a matter of urgency.

We apologise for any inconvenience you may have experienced as a result of this delay.

Your account shall remain on hold until further notice.

etc etc"

 

Any views or comments colleagues?

 

A Happy New Year to you all and thank you for taking the time to help and guide me.

[fedup74]

Just chill out:) and relax until you get their next letter which will hopefully say "We are closing you file":D

[ScabHunter]

And a very Happy New Year to you as well.

 

This is no guarantee that something won't turn up eventually, but it is certainly a good sign.

 

Crapbot are far more tenacious than Clownell, and far harder to shift. Nevertheless, if they have no agreement, they get no money.

 

A nice way to end the year, indeed.

 

SH

[mysticpols06]

Hi Will, Hope you are enjoying 2009 so far! We seem to be one letter ahead of you with these silly bug*ers...Received the predicted final nail from Lowells on New years eve stating they closing file (yay) & waiting for another update from Cabot regarding both mine & hubbys files after the last one stating exactly the same as yours.

Time to chill for a bit friend. Far more actually important things in each persons world to worry about for the time being..Don't waste another thought on them til they make their next move. Take care, Mpols x

[lowwill]

Well at last another letter from my new friends Cabot Financial, it appears to have been delivered incorrectly, perhaps next door but it has found me even at this late hour.

Dear Mr XXXXXX

Unfortunately Cabot has not been able to provide you with the requested information within the relevant time period. We have worked hard to obtain this information for you. However, the original lender has not yet been able to locate the relevant information from their archives.

You are of course entitled to request the information direct from the original lender.

YOUR ACCOUNT

Cabot shall continue to hold any action on your account until further notice.

WHAT HAPPENS NEXT

Although Cabot is dependant on the original lender for the information, the relevant time period has now expired. However, Cabot shall continue to request the information from the original lender to assist you with your request. We hope to receive the relevant information shortly.

If you have any queries etc etc etc

 

Do any of you have any ideas what their next step might be please?