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    • Thank you for your response BankFodder.   First of all her employer is a care home and she is a Part Time Carer.  I do not know what the company is called but would prefer not to publish it here even if I knew.   Having read through the link you provided I would tend to agree with your opinion regarding the Estoppel standard of proof especially as she is getting 50% more than she should of been expecting.  Having said that she has had this from the very start and knowing her as I do it is possible she thought this was her monthly wages!    In her everyday life she goes from hand to mouth so there is no improvement in lifestyle unless you consider her absence from Foodbanks an improvement!   I think the solution is for her to repay at the low figure that seems to be in place but to disregard the contract requiring her to pay it back before or on leaving.  Should she give notice and work four weeks how can we stop them from witholding her last months wages?    
    • Hey,   so just received an email from CRS. Saying I have to prove I cancelled...yawn. Bearing in mind this is way over a month ago I sent them a letter! shall I just block them now? Not even respond?   this is regarding gymetc and I joined their gym online...   thanks!
    • What does it actually mean when some  one says" for clarity" you mean in your opinion really dont you?   HB Thanks, girl done well.   Acres of text to get through, are you sure I have not come across you before. Your addiction to point scoring is V familiar.   Anyway lets see if there is anything I have not cleared up already.   You say  "'ll just answer this for clarity (not for an argument). This applies to SDs made in a Magistrates' Court in order to set aside aconviction where the defendant was not aware of the proceedings."   So much for clarity. Below is what the section says information; and (b)within 21 days of that date the declaration is served on the [F1designated officer for the court], without prejudice to the validity of the information, the summons and all subsequent proceedings shall be void.   Notice "Shall be void. not set asidIf I am going to just be correcting basic reading i am not goiong tp conti   "When a person comes before a court to make such a Statutory Declaration the court must hear it if it is made within 21 days of the defendant learning of the conviction."   Noope The regulation says the court cannot interfere with the making of a SD,again completely different   Yes if it is, but unless the SD was made within 21 days of the action they are entitled to question it. As they do in the form you reproduced by asking how the defendant knew about the case.                         Said this alreay.   To answer your next paragraph, the court will not accept a lie, if there is one, they will have the option to increase the time however I doubt they would, or do you think they would just extend it? This is the test, of course.   Again you say SET ASSIDE, it isn't, the new case cannot be started if the old one is still pending of course.   Now having demonstrated your lack of knowledge. I shall move on. Your abstinence from posting is appreciated, either way, I will have you on ignore. Nothing personal I just dont think there is anything you can tell me.   One more thing the result does not compete with anything I have actually said, and everything I have said is correct, in relation to the legislation.                
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CABOT deceitful dirty tricks

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Some time ago I sent a CCA to Cabot for my sister. It has taken a while for them to respond but they have now sent a copy of what they say is her signed agreement. Problem is, it's not her signature. It's mine from the letter I sent to them and signed in her name. I did this to make sure they couldn't copy her signature onto a form, which is exactly what they have done. What should be my next move??

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Straight to the Police Station with the evidence in hand and file a complaint against them and they will be prosecuted for Fraud.

Make a copy of the letter and send it to the ICO, aswell as the OFT.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I agree with Bazooka, report them to police for fraud, and send copies to OFT.

I might also be inclined to write to whoever was the original creditor and show them what illegal practices their debt collectors are undertaking.

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I'm with the others re making the complaint at the Police Station but keep in mind you technically have signed your own sisters signature which inistself is questionable and may cause the Police to ask a few questions of your own actions.

 

Does your sister have the original credit agreement to hand with her proper signature on it etc? If not then it might be an idea to write to the original creditor requesting the original credit agreement from them direct, if it is provided and the signatures are different (which they are) you have Cabot exactly where you want them...and then some.

 

Cabot are slimy toads thats for sure and nothing in your post suprises me but befoe you go in guns blazing just ensure you have the right answers to give should the Police ask you some questions.


I reside in Dawlish Warren but am not a rabbit.

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Join the club. They sent me an application form with my signature in question. Sadly for them I have the old card. I am including it in a court claim for damages I will be raising against them this year. In their desperation for money - they made a massive loss last year - they are now going too far and are out and out blatant criminals.

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Join the club. They sent me an application form with my signature in question. Sadly for them I have the old card. I am including it in a court claim for damages I will be raising against them this year. In their desperation for money - they made a massive loss last year - they are now going too far and are out and out blatant criminals.

 

I would be extremely wary of producing the credit card as evidence as it would prove the existence of the debt. See; http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/179236-tragic-case-judgement-because.html


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Guest Cartaphilus

Now, I am not naive having witnessed, experienced more than my share in life but how on Earth are these companies allowed to even consider thinking they can get away with things like this??

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Thanks for the heads up Cerebus, which I am aware off, but I'm safe with this one. The card didn't start until 7 months after the date on the application form and I am not denying I had an account with the company but this isn't it.

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Royds TSB did the same with me - sent me an 'agreement' with my signature cut and pasted from somewhere else. Only problem - they sent me a credit card agreement, when I've never had or used a credit card with anybody in my life.

 

The only thing that stopped me from going down the police station is I'm unsure which older document they've copy-pasted the details from.

 

I suspect it was the application form from a current account I used to have with them, being that the telephone number on the form was four years out of date.

 

My point is - forgery is still forgery, whether a valid debt exists/existed or not.

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When you report the matter to PC Plod don't be fobbed off if the front desk officer - quite often a civilian wearing what looks like a police uniform - tries to tell you its nthing to do with them and that is a civil matter. Chasing slippery customers like Cabot is more difficult than handing out speeding tickets and it means doing a bit of work. Insist on recording the matter as a crime, get a crime number, the name of the officer dealing and the best way of contacting him/her.

 

And you should already have alerted the OFT about their actions. Try your "new" MP too.

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Unbelievable. Are there any other oddities about the document they have sent? Is it completed by hand, for example? Do dates tally?


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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I'm with the others re making the complaint at the Police Station but keep in mind you technically have signed your own sisters signature which inistself is questionable and may cause the Police to ask a few questions of your own actions.

 

Does your sister have the original credit agreement to hand with her proper signature on it etc? If not then it might be an idea to write to the original creditor requesting the original credit agreement from them direct, if it is provided and the signatures are different (which they are) you have Cabot exactly where you want them...and then some.

 

Cabot are slimy toads thats for sure and nothing in your post suprises me but befoe you go in guns blazing just ensure you have the right answers to give should the Police ask you some questions.

 

I don't see any issue with signing on behalf with her sisters permission, its a letter, not a contract. Otherwise every CAG member who has used a digital signature would be "guilty" too.

 

imho it is eminently wise to use altered/digital signatures on anything except things like contracts when sending through the post, given the prevalence of ID fraud and post vanishing.


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Hmmm. I agree. Bit like blaming a gun salesman for a murderer's activities.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Probably not the best analogy... perhaps a bit like blaming a Lib Dem voter for a Tory government? Nah... they deserve a kicking :D

 

Maybe a bit like blaming Vauxhall for encouraging drunken driving. That's better.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Maybe a bit like blaming Vauxhall for encouraging drunken driving. That's better.

 

but they are guilty, they provide beer can holders in their cars and many have a beer cooler in the glovebox!

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