Cabot/CCA agreements (Credit Cards) Help please.

[boxerdog111]

Hi there,

All this makes very interesting reading, am in a similar position myself and after reading some of the forums it tells others to start their own thread. I have tried to do this but it tells me I dont have permission to access that part, can anyone help me get started:confused:

 

Hi all, have a very similar prolem myself, Cabot just started on my case, expecting a visit today (if they turn up)

What i want to know tho, is what makes a credit card agreement unenforceable?? Looked all over the net but just cant seem to get a clear answer. Debts are from CC's prior to 2007 and ill health has caused a severe problem with money. Could do with starting a post on here myself but when I go to start a thread it tells me i don't have permission to do so, could anyone help a newbie

 

Hello,

 

Don't know if anyone can help at all, but does anyone know what the loopholes are in credit card agreements.

 

Have Cabot on my back chasing for debts off old credit cards from prior to 2007.

 

Have read some very interesting threads on here, all saying much the same about sending off for a copy of the Original Signed agreement. Trouble is, when you get a reply from these people (if of course you do) how do you know if it is enforceable or not?

 

Am not trying to just get out of paying, but am in a position that I can't pay due to ill health and wondered how far I can be pushed.

 

No payment or acknowledgement has been made on the accounts since October 2006, and I am not concerned about the outcome effecting my credit rating as due to health reasons, its would be impossible for me to obtain credit anyway.

 

As things stand at the moment, Cabot are writing to me, I have only recently moved to my current address, and one letter said they would be "calling on 05/07/2010" up to yet today they haven't been. Not sure what my response is going to be when the knock comes to the door

 

Any help would be very much appreciated:rolleyes:

Edited July 5, 2010 by MARTIN3030

[cerberusalert]

Hi there,

All this makes very interesting reading, am in a similar position myself and after reading some of the forums it tells others to start their own thread. I have tried to do this but it tells me I dont have permission to access that part, can anyone help me get started:confused:

 

Scroll to the bottom of General Debt Issues - The Consumer Forums & click 'new thread'.

[cerberusalert]

First send them a CCA request to see if they are entitled to collect this debt & if it's enforcable. If they fail to provide it within 12 working days from receipt, or the CCA is unenforcable you can legally withold any payment until they do. Send it recorded delivery enclosing a £1 postal order. When you get a reply, scan it & remove any identifying details and post it back here where we can have a look at it. We'll advise you from there;

 

Dear Sir/Madam

 

Re:- Account No: XXXXXXXX/Your Reference Number: XXXXXXX

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you intend to send a reconstituted copy of the CCA you must declare the reason why it has been reconstituted and if the original exists and in what form (microfiche) etc.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

Furthermore, with regards to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only.

 

You are reminded of the following under Consumer Protection from Unfair Trading Regulations 2008.

 

Trading Standards can bring about a prosecution if, with the object of coercing another person to pay money claimed from the other as a debt due under contract, he or she:

 

(a) harasses the other with demands for payment which by their frequency, or the manner or occasion of their making, or any accompanying threat or publicity are calculated to subject him or his family or household to alarm, distress or humiliation;

(b) falsely represents, in relation to the money claimed, that criminal proceedings lie for failure to pay it;

© falsely represent themselves to be authorized in some official capacity to claim or enforce payment;

(d) utters a document falsely represented by him to have some official character or purporting to have some official character which he knows it has not.

 

I am of the view that your harassment of me by telephone puts you in breach of the Consumer Protection from Unfair Trading Regulations 2008, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Further to this if it is your intention to arrange a call from your 'Doorstep Collectors', I note that there is only an implied license under English Common Law for certain people to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

 

Take note, I revoke license under English Common Law for you, or any of your representatives to visit me at my property and if you do so without my permission, you will then be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone to visit me nevertheless. Any trespassers you attempt to send therefore will be dealt with accordingly.Be further advised that any further telephone calls from your company will be recorded.

 

(Print in red optional addition)

 

I look forward to hearing from you.

 

Yours faithfully **Edit to suit**

 

(Print do not sign signature)

[boxerdog111]

Thanks cerberusalert

 

Have made a note of your comments, so far no visit.

Can a debt collector call at any time, even if they write to let you know they are coming? I thought they could only come to your home if you invited them to do so, and I havent!

[silverfox1961]

Hi,

If anybody does happen to turn up, give them this:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-

 

Followed with a polite Foxtrot Oscar and a gentle slamming of the door:)