Cabot disputing Statute Barred status - what next?

[harrystottle]

Would you believe these morons have passed it on to another DCA?!!!

 

That's while it's being investigated by the FOS!!!

 

I've had it with these a*seholes

 

I'm not bothering to send them a reply I'll just ignore everything they send and when there's a big enough pile I'll send it all to the OFT.

 

Cheers all

 

H

[Redletter]

Hi All

 

Could Cabot be trying to bullsh*t me (surely they wouldn't stoop so low!?) H

 

 

Surely they will and do-frequently apparently!

[ScarletPimpernel]

Just noticed more Cabot confusion in Sam Moore's letter:

 

Please be advised that the OFT Debt Collection Guidance remains a guidance which is followed by the Industry and should not be confused with actual law.

 

Compliance with the OFT Guidance is, of course, a condition of the consumer credit licence that DCAs need. As members of the risible CSA, Cabot have to follow their code too, which includes compliance with the Guidance. Failing to comply with a code of practice to which they have subscribed is contrary to CPUTR. Perhaps all this just slipped Mr Moore's mind?

[lickthewallfatboy]

Well they already know it's SB and that the FOS are investigating, which is why I'm amazed at their gall (or is it incompetence?)

 

I'm not willing to spend time and money writing to them re-stating for the umpteenth time the reasons that I won't be paying.

 

When the investigation by the FOS is over I'll be forwarding all correspondence to the OFT and any one else I think will be interested

 

H

 

sounds like a plan my friend

[ODC]

Would you believe these morons have passed it on to another DCA?!!!

 

That's while it's being investigated by the FOS!!!

 

I've had it with these a*seholes

 

I'm not bothering to send them a reply I'll just ignore everything they send and when there's a big enough pile I'll send it all to the OFT.

 

Cheers all

 

H

 

I am a great believer in telling DCAs your position once and once only. If they continue to send their pathetic begging letters then just forward them to the OFT as the basis of a complaint.

[harrystottle]

Yes you're right ODC I will write to (or maybe email) them once just for the fun of telling them to FRO!!!

 

Cheers

 

H

[Rhia]

I absolutely agree with ODC ignore them completely now. In many ways it would be good to push them and let them start legal action as they will get a right caning. BTW who is this new DCA? Bet it's just an offshoot of Cabot.

 

The OFT are onto these cretins and pursuing statute barred debts. Have a look at this. Useful even gives you the name of the person to complain to.

The Office of Fair Trading: OFT imposes requirements on Mackenzie Hall to improve handling of disputed debts

http://www.oft.gov.uk/news/press/2009/44-09

[Redletter]

Thats great news Rhia! Lets hope Crapbot are next for their @sses kicking!

[harrystottle]

Thanks Rhia that's really useful to know :o)

 

I am sending (just one) letter to these bumholes saying that is statute barred and I'm not paying - the usual thing.

 

When they reply with another threatomatic I will send everything I've got, including all my correspondence with Crap pot, to the address on that link, hopefully lighting the blue touch paper and retiring to a safe distance to watch the fireworks!!!

 

This is fun!

 

H

[mr.ton]

Report their sorry asses to the OFT & trading standards.

[harrystottle]

BTW the DCA is called Financial Investigations and Recoveries (Europe) which they have ever so cleverly condensed into a handy little acronym: FIRE

 

Perhaps that should be FIRED as in YOU ARE!

 

I think a liitle typo in the address line of my letter to their head office may just happen to appear

[Rhia]

FIRE is Cabot's DCA. Is it based at Rugby? Used to be in same office as Hodson's solicitors. Now the two solicitors who handled all the Cabot crap at Hodson's have formed a new company called Morgan's they have moved elsewhere in Rugby.

A cynic would say there were too many complaints going into the Law Society and the Legal Execs body about Hodson's that they had to reinvent themselves. Cabot has also taken the op in-house so may well be a massive cost saving too.

FIRE used to be a dormant company so they must have revived it. Magnificent. Keep feeding them line HS.

[Redletter]

FIRE is Cabot's DCA. Is it based at Rugby? Used to be in same office as Hodson's solicitors. Now the two solicitors who handled all the Cabot crap at Hodson's have formed a new company called Morgan's they have moved elsewhere in Rugby.

A cynic would say there were too many complaints going into the Law Society and the Legal Execs body about Hodson's that they had to reinvent themselves. Cabot has also taken the op in-house so may well be a massive cost saving too.

FIRE used to be a dormant company so they must have revived it. Magnificent. Keep feeding them line HS.

 

So is this yet another third party with whom they are illegally sharing ones data???? Or is FIRE part of Crap bot?

[Rhia]

It's part of the Cabot group of companies. However it is a seperate company. Best check ICO to see if it is registered as a data pocessor in it's own right or is it under Cabot's license.

 

If it's own right then the data sharing argument can be raised. Mosdt of the time they don't have permission to share anyone's data as they don't have any agreements.

[harrystottle]

FIRE is Cabot's DCA. Is it based at Rugby?

 

Yes it is in Rugby

 

Keep feeding them line HS.

 

- don't worry I will!!!

 

Any further communication with FIRED is going to be via email.

 

Bring it on boys

[elizabeth1]

It's part of the Cabot group of companies. However it is a seperate company. Best check ICO to see if it is registered as a data pocessor in it's own right or is it under Cabot's license.

 

If it's own right then the data sharing argument can be raised. Mosdt of the time they don't have permission to share anyone's data as they don't have any agreements.

 

 

Seems no matter how they "repackage" themselves (Hodsons/Morgans or Cabot/Fired) it's still the same bunch of cowboys in the outfits!!

 

Some people NEVER learn do they?

 

I reckon when these people were told to go queue for brains - they went and stood on platform waiting for trains numpties!!

[harrystottle]

BTW just had a look at the Register of Data Controllers; nothing under the postcode on their letter, but search under Financial Investigations and Recoveries (Europe) and - what a surprise - yes you've guessed it Crap Pots West Malling address appears - well I s'pose they've gotta park their horses somewhere!!!

[ODC]

Seems no matter how they "repackage" themselves (Hodsons/Morgans or Cabot/Fired) it's still the same bunch of cowboys in the outfits!!

 

Some people NEVER learn do they?

 

I reckon when these people were told to go queue for brains - they went and stood on platform waiting for trains numpties!!

 

Oh yes they are a shower of cowboys alright. Look at their leader

 

[harrystottle]

two gun tosser more like

 

Can I say that?

 

Oo I think I just did

[harrystottle]

Hi Everyone

 

Great news

 

Crap pot have finally backed down :o)

 

Here's a bit of the letter I got today

 

Reviewing your account

 

I refer to a letter written on your behalf by the Financial Ombudsman Service,...

 

I understand your complaint relates to your belief that the above account may be statute barred.

 

On investigating this matter, I can advise that your above referenced account is statute barred and so governed by the Limitation Act 1980. Under the OFT guidelines it is accepted that legally the debt still exists but that collections of these debts must in no way be contrary to section 40 (1) of the Administration of Justice Act 1970.

 

Cabot Financial takes these guidelines very seriously and whilst we do not consider our actions to have breached any law or regulatory guideline, we confirm that this account has been withdrawn from our regular collections process.

 

I trust we have set out our position clearly.

 

If you have any further queries in relation to the above account, please do not hesitate to contact me blah blah blah

 

I sort of knew they would have to, but it's really nice to get the letter - even though they don't apologise or admit they were wrong..

 

Anyway just wanted to say a big thank you to everyone who has contributed to this thread and helped me out with advice etc, and to anyone who is going through a similar situation I would just like to say:

 

Don't let the b*astards grind you down!!!!

 

They are a bunch of bloodsuckers and they are just chancing their arms to try to get you to pay up DON'T GIVE IN!!!

 

Now I'm sending everything I've got to the OFT

 

Thanks again

 

 

H

[mr.ton]

They havent got regular collection prcoeedures anyway...just send out threatograms & errrr thats it.

But nice to see them eat humble pie anyway

[Rhia]

Just knew they would withdraw. This has been going on with people all over CAG - some have even got to court.

 

Their letter and pathetic defence of their actions is complete hogwash. SB is SB and that's it and they have no business trying to harrass you into paying them something they aren't entitled to.

 

Keep that letter safe but continue with your complaints to TS etc and give 'em a parting kick in the pants.

[ODC]

Under the OFT guidelines it is accepted that legally the debt still exists but that collections of these debts must in no way be contrary to section 40 (1) of the Administration of Justice Act 1970.

 

 

This would be the same Cabot Farcical that state S 40 (1) of the Administration of Justice Act 1970 does not exist:eek:

[bazaar]

Well Done,

Now you can ask the ombudsman why they are not investigating removing their licence to operate.

Maybe a wasted costs order?

Certainly agree with Rhia in regards the kick in the pants, but make sure you kick long and hard,

Maybe you can harrass them as much as they did you,

[elizabeth1]

Just knew they would withdraw. This has been going on with people all over CAG - some have even got to court.

 

Their letter and pathetic defence of their actions is complete hogwash. SB is SB and that's it and they have no business trying to harrass you into paying them something they aren't entitled to.

 

Keep that letter safe but continue with your complaints to TS etc and give 'em a parting kick in the pants.

 

I second that line of thought!!

 

Well Done - it's nice to see Cabots get a kicking again :lol:

 

When will they learn??????????