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trooper68

Cabot Merry-Go-Round

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Hi Guys

 

Just a little help needed with Cabot..

 

To Sum Up.

 

I had a Car from GMAC Finance, I moved house back in 2005 and informed GMAC that I was moving, I recieved a letter form them confirming of my new address, everything was fine, I was unemployed for a short period, 8 weeks or so, I sent GMAC a letter they did not respond-anyway they took me to court and the Judge order that I pay £450 every month to a named SOL working for GMAC, on top was the court costs-I paid this until one month i got told "we cannot accept the payment as we do not work for them anymore", I explained that I had one payment left, they sent me a statement of accounts, whitch stated I owe 0, nothing..so i called up GMAC, i was told sorry we sold the account, i asked whom "we cannot say"...stumped. I called the SOL, I was told that I have to wait for the new SOL to be intouch...So I waited.

 

Then I get a demand from Cabot for the sum i had left from GMAC, I told them to go F**k themselves. I looked in to this and sent in a SAR at the same time i made a complaint to the FO..My case was looked in to by them.

 

Now, cutting the story short, Cabot did not send me a Letter of Assigment, I then recieved after three months my SAR, basicly crap,its all template letters this and that, in it was a "so called" undated copy of the LoA..

 

I found that the FO is a complete was of time, some robot tells me the charges before some date in 2007 cannot be acted on, blar blar..

 

GMAC had put on a load of seeker charges and so called letters and phone calls-i never recieved anything form them. They then took me to court made me pay the loan and the charges and the court cost and sold the account to Cabot before the final payment, but I over paid (i have the account payments). I wrote a letter to the court to ask if it could be added to my court papers for the judge, explaining what GMAC had done.

 

I have now recieved a letter before action from Cabot, stating that i owe more than 4500, jesus...and they are going to take me to court if i do not settle within 14 days.

 

I still have the paperwork from last year...

 

Can anyone explain to me how this bunch of moorons sleep at night?

 

I would also like to know what I should state in the reply to the fine toilet paper the call a letter?

 

I really thought that this would be over after sending them a copy of the account summer showing "0"...

 

trooper68


Trooper68:)

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Anyone?


Trooper68:)

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Personally, I would defend ALL and let them take me to court, sounds like all your ducks are in a row here,

So go to court, counterclaim for all those charges they sneaked in. also then complain to FOS etc about this as well.

Youve all the proof you need to show the court how vexatious they are.

Then hit THEM for costs.

 

 

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Firstly, send them a response to this LBA, tell them what you have as proof of payment and unless they stop this claim forthwith you will defend this apparent fraudulent claim

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Thanks for the reply. I did contact The FOS, they would only go back to 2007 as some act stops them??? no idea what act they have, they contacted GMAC. they sold the dept on to Cabot, I then got a letter back stating they cannot act in this case???

 

Cabot did get a copy of the account showing 0 last year (about this time), I asked them on what basis i owe that amount-the reply "charges to the account"- I asked for a brake down of all charges to said account, they did not reply, so I wrote them another letter stating that as far as i'm concerned you have not replyied and i consider the issue closed, (i did state not to contact me ever again on this issue)...I recieved a reply atating that they would look at the account-that was it.. now they want to start playing again, I recieved a threat "o" gram.

 

Now, i was taken to court by GMAC cos they tried to take the car back, I less than a year left, the Judge order that i pay every month + court costs and charges to the account, What i don't get is if the court order me to pay a sol, why GMAC sold the account against the court order, can they do this?

 

Sorry to woffle on, but i don't want to pay three grand on rip of charges..

 

trooper68


Trooper68:)

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Well, if its already as part of court ordered payments, and as youve paid it all, they really cant have another go can they.

Tell them to F*** off in whatever language you choose, and if not, then you will apply costs to investigate their claims

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Well, if its already as part of court ordered payments, and as youve paid it all, they really cant have another go can they.

Tell them to F*** off in whatever language you choose, and if not, then you will apply costs to investigate their claims

 

 

Cheers buddy, thats what i thought, i'll let them hang themselves, i still have all the paperwork, and i know where there's a high tower i could climb....(to tell you the truth, I did tell them to F**k off at the end of a letter_i also called them a bunch of C***S and F**kwitts) but I feel guilty now, they where so nice......:-)

 

perks68


Trooper68:)

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If the matter was the subject of a court order, you must comply with it (as you have). Cabot cannot vary it without permission from the court, which they clearly do not have - and will not get if you've already paid it up.

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