Jump to content


Cabot / Vanquis Advise Please


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3678 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

i've been dealing with several dcas pretty easily until today

 

i received a large leter from cabot ,

inside is , a copy of my application form ( apply in three easy steps ) ,

a seperate set of terms and conditions relating to same year as application ,

all my statements ,

a notice of assignment letter ,

and a copy of all charges added by cabot ( over £500 )

these charges have still been added while account has been in dispute

, just wondered what my next step should be

Link to post
Share on other sites

Looks like they have purged their guts on this one.

 

It all depends on what you want to do with it.

 

You can either send the account in dispute letter

 

Or if you are wanting to claim back the charges you will have to admit to the debt.

 

It all depends on which result you want

 

David

Link to post
Share on other sites
in what way can i dispute this claim

 

One avenue of attack would be charges. Did Vanquis charge you for going over your credit limit or being late in payment? Do Crapbot specify what the £500 is for.

 

If you are not already angry enough with Crapbot, it's quite likely that they picked up this account for a fraction of its nominal value but being greedy blighters, they want you to pay the whole balance plus their dreamt up charges.

Link to post
Share on other sites

Does it show your signature and all the prescribed terms?

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

Link to post
Share on other sites

it shows my signiture in a small box that says credit agreement followed by you are appling for a vanquis visa card, all terms and conditions are on seperate sheets with no signitures , i have also just noticed a white label stuck over the part that says application form

 

 

vanquis.jpg

Link to post
Share on other sites

It's too small to read Spidey...try attaching it as an image and not as a thumbnail...check out the mountain symbol...

 

Doesn't look too promising though!! :D

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

Spidey, Unfortunately this is too small and blurry to read even after zooming it to the max.

Can you load it onto photobucket, so we can get a good look at it?

Link to post
Share on other sites

It's an application which doesn't contain any of the prescribed terms and is totally unenforceable.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

I got exactly the same thing from Cabot but regarding my egg debt, the white sticker was covering the part marked "application form" at the bottom. Anyone know if this is a legal agreement?

Link to post
Share on other sites
  • 1 month later...

In that case (the above letter) - then 'bring it on' ....If they think they are so right and an application form

satisfies an CCA request then suggest they take it to court and see what a judge says. (er, why do you

think they cover up the 'application form' thing with a white sticker?)

 

I have the same thing going on with Cabot - they sent me an application

form when I CCA'd them...and despite all sorts of threats, everything's as

it was when I first CCA'd them...that being in 2007 :-o

Just hate every DCA out there

Link to post
Share on other sites

it should be interesting if it goes to court , i also requested a copy of my original notice of assignment from vanquis bank , they sent me one on vanquis headed paper , with the wrong date , the wrong adress as i changed houses recently this had my new adress on it , and it stated debt was sold to cabot were as the original stated it was sold to kings hill no1 , could be interesting

Link to post
Share on other sites
it should be interesting if it goes to court , i also requested a copy of my original notice of assignment from vanquis bank , they sent me one on vanquis headed paper , with the wrong date , the wrong adress as i changed houses recently this had my new adress on it , and it stated debt was sold to cabot were as the original stated it was sold to kings hill no1 , could be interesting

 

Well Cabot were known as Kings Hill up until a couple of years ago and it's a WELL - KNOWN practice that Cabot uses the headed notepaper of all these companies to write letters, defaults etc.

 

Just keep the evidence stacking up against them ;-)

Just hate every DCA out there

Link to post
Share on other sites
  • 1 month later...

right recieved another letter from crapbot today it states , with respect i advise that the advise you have been given regarding your cca is misinformed , in relation to the arguments you continue to raise you have no grounds for continued dispute and failure to repay your financial liabilities . in relation to your debt being written off and default entries removed from your credit file we refuse .failure to repay this debt now will result in escalation within our collections procedures.

 

any advice please

Link to post
Share on other sites

I recieved the same letter as above from Crapbot last week. I have been playing letter ping pong with them for nearly two years now. I think I can stand it for another 18months when this debt becomes SB :D

The Grand essentials of happiness are: something to do, something to love, and something to hope for.

Link to post
Share on other sites
  • dx100uk changed the title to Vanquis card CCA return - is this enforceable?
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...