Sainsburys CC-Robinson Way and now Westcot!

[triumph2000]

This is an on-going debt demand and now Cabot have got involved.

 

They claim to have bought the debt from Sainsburys, I was under the impression that Sainsburys had already passed the debt to Westcot (among others).I haven't received a NOA from Cabot just demanding letters,

 

I've sent a CCA letter and then the follow up letter after Cabot failed to return a valid agreement in time, when a copy of the CCA turned up, it was late and hasn't get a signature on it. I also sent the “stop processing my data” letter.

I've received this reply: [ATTACH=CONFIG]28196[/ATTACH] [ATTACH=CONFIG]28197[/ATTACH]

I must admit to being baffled, where do I go now?

Thanks

Andy

Edited June 8, 2011 by cerberusalert

[alfwithhair]

Images are too small to read.

Sainsburys may well have passed it to Wetcloth's, they will have passed it back to Sainsburys if they got no cash out of you. Hence the sale to Crapot.

 

How is this a loan or credit card debt?

How old is it?

When did you last make any payment towards it?

[twofoot]

Your attachments don't work.

[cerberusalert]

Can you upload them as a pdf or zip file?

[dx100uk]

i have mearged three threads on the same debt

 

please keep to one thread per debt

else we cannot see whatever has already been advised.

 

it would appear you are on a phishing list.

 

dx

[dx100uk]

having read through the thread

it appears you are being offered a 'discount' to settle

 

that means one of two things:

 

either the CCA is rubbish and un-en....they'll go no-where near court.

or

the debt is all charges/PPI

 

eitherway ignore them all

 

dx

[triumph2000]

i have mearged three threads on the same debt

 

please keep to one thread per debt

else we cannot see whatever has already been advised.

 

it would appear you are on a phishing list.

 

dx

 

Sorry and what's a phishing list?

The debt dates from Jan 2007 and the last payment was sent around Oct 2009.

 

And how do I attach readable scans?

 

Thanks

 

Andy

[triumph2000]

Have tried posting links, but my post rate isn't high enough.

Andy

[cerberusalert]

You will be able to upload a zip or pdf file.

[dx100uk]

use:

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

dx

[dx100uk]

a phishing list is where un-en debts are listed together and various DCA's 'sell' these list between themselves for peanuts

to see if 'they' have anymore luck in fleecing the debtor than the last one.

 

you story here is typical of such actions

 

mainly because you keep responding in oneway or another.

 

each time you do that, you'll get a 'mug awaits fleecing' marker on the list.

 

its time now to totally ignore all of them

 

the ONLY time you need to raise your eyebrows at any letter is if it says 'court claim' and its got a court stamp on it.

 

they've had their 15mins of your time

 

forget it and move on.

 

dx

[triumph2000]

Here are both pages as a PDF (thanks for the explanation!)

 

Thanks

Andy

 

files unzip and merged - dx

tr i.pdf

[triumph2000]

Any comments on the letter please?

 

Thanks

Andy

[alfwithhair]

Any comments on the letter please?

 

Thanks

Andy

 

It basically mean we don't care what you say, we will **** your credit file up right or wrong.

The ICO will back them up as they are only recording the status of the account for other lenders to see, (the old responsible lending crap)

[triumph2000]

Not bothered about my credit rating, been only cash for 3 years now and I like it!

 

So I won't worry till I get a letter with court stamp on it, then I'll be back with more questions!

 

Thanks everyone for the advice and moral support.

Andy

[dx100uk]