Cabot !!

[candyfloss]

I had a Visa account with the Bank of Scotland which I couldn't afford to pay and has now been bought by Cabot, I have a letter from them stating that they purchased the account from the Bank of Scotland. The amount they are chasing me for is over £3,000. I've had umpteen letters from Cabot, which I've ignored, threatening me with all sorts of "legal" action, and some offering me discounts ranging from 30% to 50% if I stump up the cash to them.

 

I don't know how much of this includes unfair charges.

 

I haven't replied to any of Cabot's letters nor have I made any payments to them.

 

Do I contact Cabot for copy statements? Or Bank of Scotland?

[zootscoot]

You will probably want to do a CCA request on Cabot and a SAR on RBS.

[andrew1]

If you haven't already done so search on the buttons above on Cabot - theres a whole number of threads on those beggars and many people who froth at the mouth at the sound of their name so get digging and get them off your back.

 

Firstly write to them with one of the template letters saying you do not acknowledge any debt to Cabot and that until ownership is established NO defaults should be entered on the credit refence agencies.Also state that the account is in dispute.( Cabot have a habit of placing a default the minute they buy the debt which often leads to you having two if you don't watch it. 1 from BOS & 1 from Cabot - you should only have 1). Secondly tell them you will not tolerate any telephone calls ( search hagenuk posts in the debt collection agency threads and read up how to handle these devils) and will only communicate by correspondence failing to do so breaches wireless & Telegraphy Act 1940 something and the Communications Act etc - it's all there on the threads.

 

Send out your Data Protection Act S.A.R - (Subject Access Request) request letters to BOS and establish the charges when they send the statements and claim them back from BOS.

 

Keep posting and keep reading the CAbot and Debt colection agency threads as much as you can. Then you will be back in control and on your way to freedom.

[candyfloss]

Thanks for your advice zoot and andrew, you've both been very helpful. I sent off my CCA letter to Cabot today, but lo and behold.....yesterday i received yet another threatening letter from the parasites.....

 

"Dear Candyfloss

 

Outstanding Balance - £3,273.72

 

You have previously received letters warning you that failure to repay the above detailed account will result in further action being taken.

 

The next contact you have regarding this account will be from one of our External Debt Recovery Agents.

 

Our Agents will be instructed to call upon you as part of this recovery process to collect the total outstanding balance which remains in default.

 

Yours sincerely

 

 

Lindsey Thomas

Recoveries Manager

Cabot Financial (Europe) Limited"

 

 

 

This being just one of a large number of letters threatening "further action"!! None of the "further action" stated in their letters has been carried out as yet!!

 

The Cabot letters have my BoS account number on them, so I'll be sending a DPA letter to Bank of Scotland within the next week then see what happens from there.

[andrew1]

Scaremongering again - just let your DPA SAR to BOS and the cca on Cabot take thier courses. Make sure you have let Cabot know the account is in dispute with BOS and that you do not acknowledge owing any debt to Cabot. Nature will take it's course. Cabot are not noted for sending people door knocking. Keep the upper hand and you will be rewarded.

[candyfloss]

Well I sent a CCA letter to Cabot by recorded delivery 1st class on 3rd August and it still hasn't been delivered...! I sent a DPA request letter to Lloyds TSB by the same method at the same time and it was delivered the next day. Does this mean cabot have refused to sign for it....or maybe I sent it to the wrong address?

 

I sent it to

 

Cabot Financial (Europe) Ltd

PO Box No 241

West Malling

KENT

ME19 4NA

[flinty_1]

No thats the same address that I sent my letter to and received the usual 8 weeks bullsh*t letter eventually on day 28 of the 30 days.

However, they still have not proved that this debt is mine and will be pursuing them to remove their ILLEGAL DEFAULTS in due course.

If they refuse to sign for your letter then it is TOUGH SH*T on them.

The courts deem that a letter/summons is served within (generally) 2 days of sending. Providing you can prove that the address you sent your letter to is correct then start counting after 2 days of posting.

[NailPost]

It may also be worth the trouble to ask Royal Mail why it hasn't been signed for. If it has not been delivered it should have been returned to you by now. It may have been handed over and signed for after all.

[andrew1]

Cabot delivered my SAR material with no stamp. they have not responded to the 12 and 30 day request on a credit card account, and they are a few days away from not responding to the final 30 day period on a loan account although I did get the 8 week letter which was treated with the comtempt it deserved. Cabot are going to have a busy time in the courts once they get their head around all these defaulted time slots and not have too many accounts to collect :D

[candyfloss]

I emailed Royal Mail with all the details and apparently then can find no trace of it so they want me to send my Recorded Delivery proof of posting to them by post

[NailPost]

It might be a good idea for you to the Royal Mail a photocopy of your recorded delivery details candyfloss!

[candyfloss]

I've to send them the original and keep a photocopy for myself

[flinty_1]

DO NOT SEND THE ORIGINAL!!!!!!!!!!!!!!!!!!!!!!!

 

At best offer to take the original into a local office for verification but do not allow it out of your sight. Take photo copies with you but do not allow them to lose it.

Just think about the Cabot situation. They are basically powerless without the original signed agreements. Just remember the original is the only proof that the courts recognise, anybody nowadays can forge a copy.