Cabot send Vanquis statements but no agreement

[MARTIN3030]

Following more than 2 years of waiting for a copy of my agreement,which has seen CABOT sending me a letter every 28 days saying its taking longer than expected to find,I now have been sent a set of statements (but no agreement)

The letter basically says-ok heres the statements so check the details.

If you now recall opening the account or dispute if further,please call us.

 

 

Anyone else had this tactic used ?

Account is from 2003-2005.

Initial requests from Vanquis to send CCA info were ignored and they sold the account to Cabot in July 2007.

Cabot at that point were asking for £608

There then followed the usual runaround with other DCAs chasing on behalf of Cabot each who I warned off.

 

FIRE in September 2007 asking for £616

 

Robinson Way in May 2008 asking for £647

 

Scotcall in August 2008 asking for £684

 

Now Cabots request is for £780

[silverfox1961]

Afternoon,

 

I have seen quite a few of these now. They seem to think that by sending these statements proves that the debt is valid.

 

That's not the point of course. We know the debt is there, it's just Cabot's right to collect on it but this is Cabot we are talking about.

 

I'm one of the lucky ones with the muppets as they haven't sent me any statements yet and they aren't bothering me either.

 

It must be the bosses having dicky fits over their losses this year.

[spidey41]

they sent me vanquis statements , vanquise application form and fake noas , they now expect me to pay up , no chance

[MARTIN3030]

Yes they are probably relying on a few bad calls that some Judges have made.

 

One that sticks in my mind is the case where a credit card was produced in Court after the guy had sent it back.

The Judge asked him "Is that your card and your sig on the back ?"

He said "Yes it is"

Judge then took this as evidence that the account did exist and the case went AGAINST him.

 

Theres been other instances where Judges have asked if they admit to having the money-seemingly ignoring the fact that the DCA or OC have failed to produce agreements.

 

It therefore appears to be hit and miss...with some Judges favouring trying to get clarity from the debtor /alleged debtor directly.

[vjohn82]

But of course the appeal route is a necessary one to take surely if that happens?

[hungrybear]

I have had this approach from 1st (Lloyds loan) and capquest (overdraft). I believe it is a common tactic. 1st even sent the statements recorded delivery, about 50 pages all printed off their infamous CD's and about as legally relevant as Bart Simpson's skateboard.

 

My reply has been quite simple. I do not have a clue what you are talking about please send relevant agreements with the same account numbers on.

 

My view would be that you dont recall opening the account and you still dispute it just the same - so there's no need to contact them .

[havinastella]

Hi Martin

 

I have had EXACTLY the same as you.

 

I sent the CCA request nearly 18 months ago, just got a load of statements and the 'you now owe us this money' letter.

 

No CCA, no money.

 

Jogs

[hungrybear]

In that case, it sounds to me like cabot just found a CD in a drawer with a load of statements on it! When they 'buy' a job lot of debt basically all they get is a few cd's / dvd's with all the info on it for each account.

[MARTIN3030]

Hi Martin

 

I have had EXACTLY the same as you.

 

I sent the CCA request nearly 18 months ago, just got a load of statements and the 'you now owe us this money' letter.

 

No CCA, no money.

 

Jogs

 

Yep Jogs my thoughts exactly.

When I first joined CAG I had 5 defaults on my credit file-this is the only one now remaining.

 

 

Thanks all for your replies-so it does seem that they (and others) appear to think that providing statements entitles them to pursue recovery.

 

Will report back after putting something together to respond.

[MARTIN3030]

In that case, it sounds to me like cabot just found a CD in a drawer with a load of statements on it! When they 'buy' a job lot of debt basically all they get is a few cd's / dvd's with all the info on it for each account.

 

True HB-tho in last 18 months/2 years or so they have tightened things up a little.

Its prob accounts pre 2006/2007 that they appear to struggle with providing info for.

[hungrybear]

True HB-tho in last 18 months/2 years or so they have tightened things up a little.

Its prob accounts pre 2006/2007 that they appear to struggle with providing info for.

 

 

And who's fault is THAT exactly?.

[MARTIN3030]

Erm....well certainly not mine;)