Cabot/morgan Claimform Morgan stanley card debt **struck out**

[elizabeth1]

Is that another Monument Template I see here?

 

An internal memo and yet anothe useless "reply card"

 

 

They sure know how to make us laugh don't they? :D

 

Hilarious aren't they?

 

Are they ever going to find a member of staff that knows what they are doing? You couldn't write the script for this could you? Talk about "Staff Behaving Badly" - and they give awards to staff in this company?

 

Maybe we should be allowed to give the title of the awards to these staff - we know a few members of staff who should be awarded "special awards"

 

My Grandmother wasn't kidding when she used to say "they ain't all locked up you know!!" do you reckon she'd heard of Cabots??????

[elizabeth1]

they must really think im stupid??

 

 

It seems that is precisely what CABOT are relying on !!!

 

With every template they muster up, every court claim they get their bogey like solicitors to issue in courts, every template reply they send us all in answer to our quesries etc.. - they are relying on your complete lack of knowledge in these issues.

 

These companies have spent years "winging it" and making a fortune out of the consumers lack of knowledge.

[elizabeth1]

NO that can't be a response to your SAR - they should be working on it - but it wouldn't hurt to send them a little reminder to display what you want etc..

 

Your SAR will include transcripts of telephone calls (that they make from messaging services in Rugby - they bunk in with their solicitors Hodsons) a diary of events to date, letters issued to date (this is where you'll spot the template letters that Cabot send to you pretending to be Original Lender and their Hodsons solicitors) etc..

 

If that is all Cabots have sent to you then NO they haven't completed a SAR at all. You want EVERYTHING off them. Cause you'll not be able to see the whole "story" without having everything.

 

You could write and remind them what you want is SAR - try this

 

 

Reminder to comply with a request under

Section 7 – Data Protection Act 1998

 

Dear Sir/Madam

 

Account Reference: xxxxxxxx & xxxxxxxx

 

Further to my/our request of xx/xx/xxxx

I/We have so far been supplied with only partial information regarding my Subject Access Request.

To clarify, I/We have requested absolutely all information you have in your possession regarding me. The following is a non-exhaustive list of information you have not yet supplied; (Edit to suit your needs etc.. )

• A true copy of the signed executed credit agreement

  
  

• A true copy of the contract on opening the above account with you
  
• A true copy of the original Terms and Conditions applicable at the inception of the above account (which supports and forms the original contract/agreement)
  
• True copies of any notes, logs, transcripts, letters received or sent and memos
  
• True copies of any legal notices served, along with information (and true copies of supporting documents) of any legal action taken or pending
  
• Details of any disclosures made regarding me to any third party
  
• Any and all information held regarding me what-so-ever, on any relevant filing system regardless of media type
  
• Confirmation of your actual losses or a breakdown of your genuine pre-estimate of costs incurred for each charge applied, and to which Term or Condition this charge has been levvied
  
• Details of any and all manual intervention required to administer this account, and the proportional actual losses incurred in doing so
  
• Where information is no longer available, I require a statement confirming how any information has been disposed of, removed, destroyed and the method of doing so, by whom, when and where.
  
• Duplicate statements for the life of the account, or any hard copy print out of same showing all transactional activity on the account.
  

As you received my request for information under the Data Protection Act by xx/xx/xxxx, the 40 days allowed for compliance will expire on xx/xx/xxxx.

 

I look forward to hearing from you.

 

Yours xxxxx

 

 

Your Name xxxxx

[elizabeth1]

Hello all

 

after SARing monument and only just receiving the last 5 original providian statements for the default entered by cabot ive noticed a few discrepancies :

 

The final figure on the providian statements 4364.80, cabot default 4922.00

 

Account also contains unlawfull charges

 

The last statement recieved from providian 26/01/04, cabot have entered a default dated 04/06/03

 

NO default notice

 

No properley excecuted CCA

 

just wondering if I need to send prelim letter again requesting cabot cease proccesing then LBA then N1?????

Any advise in this situation would be appreciated

 

Hadituptohere

 

To be honest I'd sit it out and let THEM do all the work!! Don't go after them - wait for them to come after you and then DEFEND.