Good Afternoon me and my debts

[ScabHunter]

Impossible to say with Crapbot. This is just the standard templated letter that all Crapbot 'fans' receive.

 

Whatever the next instalment is, it may be a long way off. Some people have had letters such as this, and then nothing for months afterwards.

 

You may get another identical letter in a few weeks time. You may even get some kind of agreement sent to you. This may be enforceable, unenforceable, or it may be one of the latest fashionable "creatively reconstructed" kind.

 

Prediction is impossible. What you won't get is a Clownell-style capitulation. Crapbot simply do not give up - ever. They even take people to court for statute barred debts. Be prepared for a long fight.

 

SH

[vexlitigant]

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?

 

 

:lol:GAME OVER:lol:

 

I am surprised that Cabot have been so honest by admitting that they are lame.

 

Lowwill - Looks like your perseverence has paid its due dividend. Well done!!8)

[vexlitigant]

Impossible to say with Crapbot. This is just the standard templated letter that all Crapbot 'fans' receive.

 

Whatever the next instalment is, it may be a long way off. Some people have had letters such as this, and then nothing for months afterwards.

 

You may get another identical letter in a few weeks time. You may even get some kind of agreement sent to you. This may be enforceable, unenforceable, or it may be one of the latest fashionable "creatively reconstructed" kind.

 

Prediction is impossible. What you won't get is a Clownell-style capitulation. Crapbot simply do not give up - ever. They even take people to court for statute barred debts. Be prepared for a long fight.

 

SH

 

OK sure. Keep your guard up, but this does now look rather desperate for Crapbot.

 

Would it be premature to send them one of these?

 

http://www.code-d.com/tesco-cards/tesco-value-deepest-sympathy.pdf

[silverfox1961]

Hi Lowwill,

That's exactly the same as the last letter I got from them and I've not heard from them since. It's very peaceful without them hanging around.

It's a shame they don't give up as I'd like to see the back of them too but you never know, they might vanish into the woodwork.

 

fox

[fedup74]

Hi lowwill- They have had plenty of time to come up with your agreement (if there is one) Just forget about them for now- you should have a much deserved quiet life now:D

[hillards]

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

They could pass the account to another DCA, and they would start all over again - it happens.

So - stop them in their tracks by sending them IdaInFife's materpiece, the Domestos of all letters in my opinion - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172071-letter-co-solicitors.html#post1856406

 

It just stamps on their toes while they are still whimpering... :grin:

[lowwill]

Hillards et al, I have read the letter you refer to in some depth and quite frankly it frightens the XXXX out of me. In sending it am I opening a can of worms for myself, guys I'm feeling quite relieved at the moment with regards to Cabot Financial, not complacent just relieved for the moment.

Perhaps though my confidence is a little low.

 

I will however post next a reply I have just recieved from Lowell Financial.

Edited January 15, 2009 by lowwill
Spelling

[lowwill]

Today a letter from Lowell Financial;

Dear XXXXXXX

Ref xxxx etc etc

We refer to your recent request for a copy of the original credit agreement for this account.

After liaising with Compucredit in an effort to obtain this document we have been advised that it is no longer available due to the length of time since the account was opened with you.

At this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy of the agreement is received at some point in the future from Compucredit.

If you have any queries etc etc.

 

Tentatively is that a result?

[hillards]

...I have read the letter you refer to in some depth and quite frankly it frightens the XXXX out of me. In sending it am I opening a can of worms for myself...

I always remember the expression "do unto others, before they do unto you..."

 

It's up to you, the letter is there if required. If you don't feel happy in sending it then you're not having your arm twisted up your back ('cos we're not debt collectors). Just remember it was suggested when they pass the matter to another DCA though...:-|

[hillards]

...is that a result?

Yep - well done!

 

They have failed to comply within the time limit specified, so cannot bring this back later either - despite them saying "unless the copy of the agreement is received at some point in the future"

 

I would suggest a good letter to send to make sure this is dead and biried, rather than leave it open to be passed to the likes of MacKenzie Hall for anotehr go, but I think that ground has been covered above...?

[fedup74]

I'd say this is a result!! Well done lowwill:) No more hassle off them:lol:

[fiftypence]

Tentatively is that a result?

 

You bet it is!

 

Yet again Lowell have followed the form book, same result for me and silverfox recently and many others before that.

[hillards]

Just a shame that we're only a small percentage of their throughput - for each CAGger who tells them where to stuff their accusations, there are several more who will have paid up...

[silverfox1961]

Hi Lowwil,

Now what was it I was saying about changing your name to Highwill

Well done, another bloody nose for the lowlifes.

 

foxl

[lowwill]

Thank you, all of you for your support and comments.

Hillards, I bow to greater experience and acknowledge that I have never been offered a false move on this forum.

I've just copied, filled out and enveloped two of the aforementioned letters and they will be posted tomorrow.

You know guys, we might any of us never meet but oh boy do I wish we could, we brothers, we band of brothers.

[mr.ton]

We may not have all met each other physically...but we have all met spiritually on the astral plane of fighting DCA's.

Its a great place you know & long may we all occupy it

[ODC]

Well done Lowill. Because they are so predictable Lowells are one of the easiest DCAs to defeat. They threaten all sorts of misfortune will befall you using their so-called specialist insolvency branch Red Debt or their make believe legal wing Hamptons. When all is said and done its just the same telephone threatmonkeys in the Leeds Threat centre pressing a button on the threatomatic machine and churning out more garbage and empty threats. When their bluff is called they scuury back under the stones from whence they crawled.

[mysticpols06]

Yay Will! (Refuse to call you Low tonight haha), Well done - That is exACTly the same worded letter that hubby got on New Years Eve! Thanks again to all fellow caggers who have supported Will the same as you did me and Fox and many others against this particuarly predictable Dca! Take care, Mpols x

[lowwill]

Well Im back again seeking some more inspiration and advice please. Have just arrived home and now have a new name to inspire me; Mortimer Clarke Solicitors ( reading the letter they are in conjunction with one of my former friends that I have mentioned on this thread, Marlin Financial Services) and their letter is as follows;

 

Dear Sir/Madam (they have my name at the top of the page but cannot decide the gender apparently - sorry I digress)

Dear Sir/Madam

Further to previous letters sent by Marlin Financial Services asking you to contact them in relation to the above debt, they regret they have not heard from you and have now passed this matter to us for potential legal action.

Our client is now considering serving a statutory demand on you to recover the above debt within 21 days on terms satisfactory to our client, a bankruptcy petition may be presented to a court in commencement of bankruptcy proceedings against you.

The consequence of bankruptcy proceedings could be that you are made bankrupt, from which time the Official Receiver could take control of your property and assets in order to sell them to pay your creditors. This can include taking your car, television, Hi-Fi, mobile phone, bank savings and other financial assets and other items not essential to basic living.

Being made bankrupt could also likely result in you having difficulty in obtaining credit, including anyone you have a credit card or overdraft with possibly withdrawing those facilities.

Further information is available at the website below:

hhp://www.insolvency.gov.org.uk

You must contact Marlin Financial Services immediately to discuss a payment proposal to avoid a statutory demand being served on you. Please contact Marlin etc etc etc.

 

The thing is guys, I have a letter sent from them (Marlin Financial Services) to me dated 3rd December 2008 that states;

We refer to the above matter and in particular your recent letter received in our office dated 28th November 2008, your comments have been noted. (thats my CCA request complete with £1 PO)

We do not currently hold a copy of your agreement however we have applied to XYZ Bank for a copy and we will forward this on to you upon receipt.

 

That was the last I heard until today's letter. Presumably they had my £1. PO as well.

 

Any points please on how to respond, must say I feel a little angry at the threats and implied consequences.

Edited January 20, 2009 by lowwill
spelling

[underdog13]

Sounds like the are just trying to frighten you into paying something - note they are CONSIDERING serving a SD.

 

I would write them a strongly worded letter informing them their 'clients' are in default of s78, and you consider their actions to be unlawful, vexacious, frivilous and harrassing.

 

Maybe also raise a formal complaint with TS, OFT, et all.

 

Might be worth asking solicitor to send you copies of all documents he intends to rely on in court.

[hillards]

I have a letter sent from them (Marlin Financial Services) to me dated 3rd December 2008 that states;

We refer to the above matter and in particular your recent letter received in our office dated 28th November 2008, your comments have been noted. (thats my CCA request complete with £1 PO)

We do not currently hold a copy of your agreement however we have applied to XYZ Bank for a copy and we will forward this on to you upon receipt.

Which is why I suggested sending the letter to tell them they have failed to comply, and that they should stop processing your data.

 

Actually, this could be a different matter as the other was Lowell if I remember rightly? No worries, as the same thing applies anyway. You send a CCA request, they fail, you tell them to 'go away', end of - or should be.

 

I'd simply write back and point out that you have their letter (enclose a copy) saying they were looking for the paperwork, but they've run out of time anyway, so they should now stop bothering you!

 

As with any DCA, they are full of COULD and MAY in what they suggest. "Our client is now considering..." Their client could also be considering if thay want tea or coffee, until they make a decision you are not really interested.

 

Just send Ida's letter and shut them up

[lowwill]

Quote "Which is why I suggested sending the letter to tell them they have failed to comply, and that they should stop processing your data." Finish quote

 

Hillards I did exactly as you said with the two that told me they were virtually closing the account, this one is exactly as I have written. They were looking but would contact me later, well the later is now.

 

Perfectly happy to send the letter to these as well with as you suggest a copy of the letter from their sponsors Marlin Financial.

 

I do presume you mean the Green letter?

[fiftypence]

Dear Sir/Madam (they have my name at the top of the page but cannot decide the gender apparently - sorry I digress)

Dear Sir/Madam

Further to previous letters sent by Marlin Financial Services asking you to contact them in relation to the above debt, they regret they have not heard from you and have now passed this matter to us for potential (= unlikely) legal action.

Our client is now considering (really?) serving a statutory demand on you to recover the above debt within 21 days on terms satisfactory to our client, a bankruptcy petition may (yawn!) be presented to a court in commencement of bankruptcy proceedings against you.

The consequence of bankruptcy proceedings could be that you are made bankrupt, from which time the Official Receiver could take control of your property and assets in order to sell them to pay your creditors (and we would have no say in how much we receive, oh damn, shot ourselves in the foot there). This can (but probably won't) include taking your car, television, Hi-Fi, mobile phone, bank savings and other financial assets and other items not essential to basic living.

Being made bankrupt could (another yawn) also likely result in you having difficulty in obtaining credit, including anyone you have a credit card or overdraft with possibly withdrawing those facilities (whatever!).

Further information is available at the website below:

hhp://www.insolvency.gov.org.uk

You must contact Marlin Financial Services immediately (now, where's the bin) to discuss a payment proposal to avoid a statutory demand being served on you. Please contact Marlin etc etc etc.

 

The thing is guys, I have a letter sent from them (Marlin Financial Services) to me dated 3rd December 2008 that states;

We refer to the above matter and in particular your recent letter received in our office dated 28th November 2008, your comments have been noted. (thats my CCA request complete with £1 PO)

We do not currently hold a copy of your agreement however we have applied to XYZ Bank for a copy and we will forward this on to you upon receipt.

 

That was the last I heard until today's letter. Presumably they had my £1. PO as well.

 

Any points please on how to respond, must say I feel a little angry at the threats and implied consequences.

 

I would also consider a complaint to the law society, assuming these are REAL solicitors.

[hillards]

I do presume you mean the Green letter?

That's the one - the problem with these DCA's is that they need telling how to behave and what to do, or not, next. If you let them run wild, by allowing them to exceed the alloted time to deal with a matter, they start getting silly and asking for money again...

[ODC]

Dear So Called Solicitors

 

If you had even the slightest grasp of the Consumer Credit Act 1974 you would realise that you are talking complete balderdash. Your so called client, you know who I mean, yes that cretin at the desk beside you is in Legal Default of my lawful request under S77/78 of the above Act. Any attempt at Litigation by you or your so called client will result in my Counterclaiming against you and your client for damages and I will seek to have you reported as Vexatious Litigants. Your behaviour in threatening me is I believe a clear breach of the Consumer Protection fro Unfair Trading Regulations and if you were a decent solicitor you would realise that your silly threats are a clear breach of the solicitors code, and the OFT Guidelines on the collection of Debt not to mention a clear breach of the provisons of the CCA 1974.

 

If you do not grasp the stupidity of your correspondence and the dubious statements you have made I suggest you contact a REPUTABLE firm of solicitors who will explain your crass stupidity to you.

 

yours etc