Cabot : Has anyone ever tried this .....

[Fred Bassett]

I'm having a battle with Cabot over a Morgan Stanley/Goldfish account which they have purchased. See this thread: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131660-fred-bassett-morgan-stanley.html

 

Now, I think their argument is full of holes for many reasons, chief of which is the lack of an enforceable CCA.

 

As it happens, I will be visiting the area where Cabot are based in a couple of weeks time and it occurred to me that if they have the valid paperwork, they ought to be more than happy for me to visit their office and view it.

 

Is this a good idea? What have I got to lose? Are they likely to do it? etc. etc. I can see a few pitfalls in this approach and would appreciate any advice I can get.

 

Regards to all.

 

Fred

[Red1983]

Ive been tempted to do the same thing, however, my fear would be that Id get there and they'd say, Oh sorry all our paperwork is at the branch in Switzerland!!!! or something like that.

 

Just my opinion though, if you do go, please let CAG know what happened, Id love to know.

 

OH has often mentioned taking a nice little gift for them, but then we might end up spending the rest of our lives behind bars, so..... we thought better of it. Then we found CAG, WAHOO!

 

Red

[Fred Bassett]

Ive been tempted to do the same thing, however, my fear would be that Id get there and they'd say, Oh sorry all our paperwork is at the branch in Switzerland!!!! or something like that.

 

Just my opinion though, if you do go, please let CAG know what happened, Id love to know.

 

OH has often mentioned taking a nice little gift for them, but then we might end up spending the rest of our lives behind bars, so..... we thought better of it. Then we found CAG, WAHOO!

 

Red

 

Well I didn't intend to go unannounced. My intention is to write to them first and try to set an appointed time. Essentially I want to call their bluff. The way I see it, If they've got the valid paperwork they ought to be more than happy to show it to me. If they haven't, they've got something to hide.

 

What I'm not sure about is whether they would have received all of the paperwork from Goldfish in the first place. Cabot bought the debt. Would they have got the original paperwork to go with it?

 

Fred

[Pinky69]

Cabot bought a Morgan Stanley account in my name. I argued it was uinenforceable but at a push they could probably have had it enforcead. Sheer chutzpah won the day and they never pursued me for it again.

 

On the point you raise, I doubt anyone would even come to reception to see you.

[Fred Bassett]

Cabot bought a Morgan Stanley account in my name. I argued it was uinenforceable but at a push they could probably have had it enforcead. Sheer chutzpah won the day and they never pursued me for it again.

 

On the point you raise, I doubt anyone would even come to reception to see you.

 

Like I said Pinky, I don;t intend to turn up out of the blue. It's 'gesture politics' if you like. I will invite them to let me see the original documents. If they refuse then it won't look very good on them if they then produce the same if they take me to court.

 

I just wonder if anyone has done this before. I'd be very surprised if it hasn't happened.

 

Regards.

 

Fred

[cashins]

Pretty sure you would get the brush off but could be worth it to see their spotty oiks (sorry account officers:rolleyes:), running for cover.

 

David

[stripper]

It sounds like a good move.It will be interesting feed back I'm sure.Good on you.

[Fred Bassett]

The question now is: Would Goldfish have handed over all of the original paperwork when the debt was sold to Cabot? To my mind it would be crazy if they hadn't, but this is the world of DCA's where nothing would surprise me.

 

Fred

[barclaysinhinckleysuck]

I've considered a visit too. Maybe taking a camera and recorder would help when the dippy receptionist calls the spotty oik. Great comedy I'm sure!

[Fred Bassett]

Oh well, it's done now. Let's see what happens.

 

Cabot Financial

PO Box 241

West Malling

Kent

ME19 4NA

 

FAO xxxxxxxxxxxxxxxxx

 

6rd August 2009

 

Dear Sir,

 

Account In Dispute – I Acknowledge No Debt to your Company

 

ACCOUNT NUMBER: xxxxxxxxxxxxxxxxxxxxxx

 

I refer to your letter dated 29th July and my emailed reply of 3rd August.

 

I will be in Kent between 15th – 17th August, not very far from your offices. I would be grateful if you could let me visit your office so that I can see the original agreement, bearing my signature, in relation to this account. I would also like to see any other documents relating to this account. As my request amounts to a Subject Access Request, I will of course be willing to pay the £10 fee normally associated with such a request, provided that you let me utilise your copying facilities for any documents that I feel I need.

 

I imagine that the best day for me to do this would be on Monday 17th August, but am quite happy to visit on either the Saturday or Sunday if this is convenient. Cabot always seems to be very keen to threaten its customers with doorstep visits, so I feel quite sure that you won’t mind me visiting you. If you are unwilling to allow this, please would you be kind enough to let me have your reasons in writing.

 

If I do not hear from you then I will assume that it is OK to visit your premises to view these documents and will do so on Monday 17th August 2009 at approximately 11 am. As I am one of your valued customers, feel free to invite me out to lunch.

 

Yours faithfully,

 

 

Fred Bassett

[Pinky69]

Goldfish sold a debt of mine to Cabot with as much as a scrap of toilet paper. They fell at the first hurdle trying to pursue it.

[Michael Browne]

The question now is: Would Goldfish have handed over all of the original paperwork when the debt was sold to Cabot? To my mind it would be crazy if they hadn't, but this is the world of DCA's where nothing would surprise me.

 

Fred

I would be very surprised if they had any paperwork. Remember, these debts are sold in large tranches. Generally,they are provided with a electronic 'file' which contains all the information the OC knows (date agreement taken, debt outstanding, etc.)

[Fred Bassett]

I would be very surprised if they had any paperwork. Remember, these debts are sold in large tranches. Generally,they are provided with a electronic 'file' which contains all the information the OC knows (date agreement taken, debt outstanding, etc.)

 

I'm sure you are right. What can they do without the original though?

 

Regards.

 

Fred

[stroke a badger]

Cabot always seems to be very keen to threaten its customers with doorstep visits, so I feel quite sure that you won’t mind me visiting you. If you are unwilling to allow this, please would you be kind enough to let me have your reasons in writing.

 

Love it

[brokebutnotbeatn]

the comment about lunch...magic!

[fiftypence]

I'm sure you are right. What can they do without the original though?

 

Regards.

 

Fred

 

In laymans terms - F--K ALL.

 

I am sure you can work out the missing letters

[Toulose LeDebt]

I have seen the future and the future contains a World where DCA threat centres are open to their 'customer' just like any other 'reputable' business.

 

I have asked Link Financial 'when would be a good time for me to pop into the office to sort it out once and for all' as yet I've no reply.

There's a real argument for not discussing sensitive financial business over the telephone or via a protracted written dialogue. Invite yourself and charge them for the privilege you are after all a 'client'.

[jon888999]

I've made this offer with 2 creditors both of which supplied signed cca.s however they alleged prescribed terms were on the reverse. I offered to vist there offices to confirm that the prescribed terms were genuinely on the reverse of the original documents. I Stated I was prepared to visit there offices to examine the original document which they would be required to produce in court if they indeed intended to carryout that threat.

My job takes me all over the country so I could have visited them.

Both Creditors seem to have shut up. One since September last year and one since march this year. These creditors were very aggressive but my offer to visit seems to have tripped them up.

Take Care

Jon

[Fred Bassett]

I've made this offer with 2 creditors both of which supplied signed cca.s however they alleged prescribed terms were on the reverse. I offered to vist there offices to confirm that the prescribed terms were genuinely on the reverse of the original documents. I Stated I was prepared to visit there offices to examine the original document which they would be required to produce in court if they indeed intended to carryout that threat.

My job takes me all over the country so I could have visited them.

Both Creditors seem to have shut up. One since September last year and one since march this year. These creditors were very aggressive but my offer to visit seems to have tripped them up.

Take Care

Jon

 

Thanks Jon. This is what I'm expecting with Cabot. In my case, I'm wondering, if they did actually accept my offer, which of the 3 different sets of terms and conditions would be with the 'original'.

 

Regards.

 

Fred

[mysticpols06]

Evening Fred - I would love to see what kind of response you get from this - I have 3 ongoing battles with Cabot - One is a major pain in ass one i haven't hear from since complaints to various bodies and the latest re morgan stanley/goldfish for hubby where was told acc on hold whilst looking for cca then out of the blue a couple weeks back a letter requesting the full outstanding amount. Goodluck & Take care,

Mpols x

[master woody]

It's door step collection in reverse, i like it...

[eeeezzzyy]

Oh well, it's done now. Let's see what happens.

 

Cabot Financial

PO Box 241

West Malling

Kent

ME19 4NA

 

FAO xxxxxxxxxxxxxxxxx

 

6rd August 2009

 

Dear Sir,

 

Account In Dispute – I Acknowledge No Debt to your Company

 

ACCOUNT NUMBER: xxxxxxxxxxxxxxxxxxxxxx

 

I refer to your letter dated 29th July and my emailed reply of 3rd August.

 

I will be in Kent between 15th – 17th August, not very far from your offices. I would be grateful if you could let me visit your office so that I can see the original agreement, bearing my signature, in relation to this account. I would also like to see any other documents relating to this account. As my request amounts to a Subject Access Request, I will of course be willing to pay the £10 fee normally associated with such a request, provided that you let me utilise your copying facilities for any documents that I feel I need.

 

I imagine that the best day for me to do this would be on Monday 17th August, but am quite happy to visit on either the Saturday or Sunday if this is convenient. Cabot always seems to be very keen to threaten its customers with doorstep visits, so I feel quite sure that you won’t mind me visiting you. If you are unwilling to allow this, please would you be kind enough to let me have your reasons in writing.

 

If I do not hear from you then I will assume that it is OK to visit your premises to view these documents and will do so on Monday 17th August 2009 at approximately 11 am. As I am one of your valued customers, feel free to invite me out to lunch.

 

Yours faithfully,

 

 

Fred Bassett

Theres some lovely pubs in West Malling Fred...but somehow i doubt you'll hear anything so i reckon your buying your own lunch lmao !!!!:D:D

[Fred Bassett]

Interesting, very interesting.

 

[angry cat]

Wicked, Love it...MSDW!

 

AC

[Fred Bassett]

Cabot Financial

PO Box No 241

West Malling

Kent

ME19 4NA

FAO xxxxxxxxxxxxxxxxxx

 

13th August 2009

 

 

Dear xxxxxxxxxxxxxxx,

 

With reference to your letter dated 12th August 2009. Thank you for confirming that you do not have a copy of a properly-executed agreement in relation to this account.

 

I trust that you will now accept that this account is in serious dispute because of your failure to provide this information. I trust also that Cabot will now obey the law and cease collections activity on this account until such time as you are able fulfill your legal obligations in this respect.

 

Yours sincerely,

 

 

Fred Bassett