Cabot Chasing Monument Debt

[loobyloo35]

Can someone tell me who Monument are pls? Are they something to do with Barclaycard and/or anyone else?

 

I have today received a letter from Cabot chasing a debt I owe to Monument and I have absolutely NO IDEA what this is for?

[cerberusalert]

see; BBC NEWS | Business | Barclays sells sub-prime business

[loobyloo35]

Thanks for the link, but I am still confused!

 

I have never had anything with Monument and my Barclaycard debt is being dealt with elsewhere for way more than this debt

 

So shall I just reply do not acknowledge as I really don't?

[cerberusalert]

Send them this;

 

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

**Edit to suit** Print name do not sign

[loobyloo35]

Ok will do, will put this in the RD tomorrow,

 

This Crapbot seem to be coming out of the woodwork will all sorts of old debts that I know nothing about grrr!!!

[loobyloo35]

I have today received a letter in reply to my "do not acknowledge" letter saying they have contacted Monument and to allow 21 days.

 

Do I just sit and wait to shall I write back to them?

 

I have no record of this debt and as far as I was aware Monument is a fairly recent thing isnt it or am I wrong?

[Uptotheneck]

Yes just sit back and wait, it is up to them to prove you have a debt.

 

 

 

Regards

 

David

[cymruambyth]

Did you ever have anything with Providian, I think they came before Monument.

I would wait for them to get back in touch; Cabot have quite a nice little selection of messages that they will start to send you

[loobyloo35]

Did you ever have anything with Providian, I think they came before Monument.

I would wait for them to get back in touch; Cabot have quite a nice little selection of messages that they will start to send you

 

Did you mean Provident? If so then yes, I have a current loan with them and I had a past one with them which was paid in full - I have no outstanding debt with Provident at all.

 

Also Monument are part of barclaycard arent they? I had a card with them but that is a separate debt which I am dealing with and for two totally different amounts.

[mustang67]

Barclays bought Providian Finance, a US lender in 2002, and renamed it Monument. I know that a couple of years ago they were considering selling it but do not know if they have. It was

part of Barclaycard at the time.

[loobyloo35]

Barclays bought Providian Finance, a US lender in 2002, and renamed it Monument. I know that a couple of years ago they were considering selling it but do not know if they have. It was

part of Barclaycard at the time.

 

 

Nope, have never had anything to do with Providan.

 

I don't think they will recall a debt because I have never had one with either of those two names !

[loobyloo35]

I have today received a REPLY FORM from Crapbot with my signature on.

 

It says COMPLETE AND POST YOUR REPLY TODAY! across the top

 

It shows a VERY old address which they have then amended to show my next address, again going back some 7 years!

 

The box marked TENANT is ticked which would be correct, EMPLOYED is filled in, my income, home and mobile number is completed.

 

On the otherside of the page is shows a Credit Agrement which says I AM APPLYING TO PROVIDIAN NATIONAL BANK FOR A PRIORITY RESERVE CREDIT CARD etc etc etc.

 

Bottom it says PLEASE REPLY BY 23RD MARCH 2001

 

I have signed and dated it - 26.02.01

 

Mmmm me thinks this is a statute barred debt and not only that it shows NO credit limit or anything!!!

 

Any help from any one please?

[Huff&Puff]

They seem to get ever more desparate in their attempts to extort money from people It's completely unenforceable, and I would just ignore them from this point on. They would be insane to try and go anywhere near a court with that.

[loobyloo35]

Shall I just send a SB letter so they can write back and say it is and close the file?

[cerberusalert]

Send the Statute Barred letter http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred.html & then if they manage to prove that it isn't you can use it's unenforcibility because of the lack of prescribed terms as a second line of defence.

[loobyloo35]

Send the Statute Barred letter http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred.html & then if they manage to prove that it isn't you can use it's unenforcibility because of the lack of prescribed terms as a second line of defence.

 

Thanks I will think I will be doing just that!

 

I can scan the document up but all personal storage sites are blocked at work but if I find a way to get it on here for all to see, then I will **crosses fingers**

[cerberusalert]

If you have a digital camera you can take a pic using macro-mode which works very well.

[loobyloo35]

If you have a digital camera you can take a pic using macro-mode which works very well.

 

Thanks - I will give it a go this evening as the camera is at home