Vanquis and Cabot

[gorse36]

Ok duly noted about emails. I would agree with you on this point too as I sent them an email and they did not respond at all! I will write to them at Vanquis, but any idea on what letter would be the best to send to Cabot re: charges or any idea of what I can put in the letter? I have the SAR one

 

Many thanks

[BRIGADIER2JCS]

Are Cabot working on behalf of Vanquis or have

they bought the debt??

Have sent Cabot a CCA request??

Once I have this info I''ll look at a draft

letter for you.

[gorse36]

Cabot are working on behalf of Vanquis, but Cabot sent the CCA to me and it is a genuine one from the internet so no signature.

[BRIGADIER2JCS]

Cabot are working on behalf of Vanquis, but Cabot sent the CCA to me and it is a genuine one from the internet so no signature.

 

Fine get the SAR into Vanquis, and simply tell Cabot

that until your SAR has been complied with you cannot

proceed further.

[gorse36]

Many thanks

[BRIGADIER2JCS]

In my opion you cannot sort charges and interest

before you get the SAR data.

[gorse36]

I have today received a further letter from Cabot asking me to telephone them - I am reluctant to do this for obvious reasons. I have emailed them, but they are basically stating that I have failed to contact them. This is not true. I have also written to them to say that I am in the process of getting an SAR.

 

I have asked the original lender for a SAR and sent the letter to them last week and informed Cabot that this is what I had done. Cabot have now bought the debt. They keep adding charges to the account, charges which I think are unfair as I had to wait 9 months for a CCA. Would you suggest that I send a letter to Cabot asking for an SAR and send it recorded delivery? Would you suggest that I contact Cabot direct for a SAR now?

 

Many thanks in advance

[gorse36]

Ok so today I received a letter from Cabot, who have bought my debt, in response to my SAR letter I sent them. They have stated that they are putting together an encrypted CD to me and this will be with me soon, but I can have it in paper format if I would prefer. They have said though that they cannot guarantee that they have an up to date credit agreement on their files or that they have all the statements on me and that I would have to ask Vanquis for this part. I have actually written to Vanquis and asked for all information they have on me too, but if Cabot have bought the debt should they not have been given all information on me at the time of purchase?

 

Also any ideas if I should keep with the CD or go with the paper format?

 

Greatly appreciate any help available.

[BRIGADIER2JCS]

HI NO the SAR always needs to go

to the original creditor, debts are sold

in bulk and have little more than basic

information provided.

I would want a paper format personally.

[give them FA]

It gets so complicated. My approach is simple. Ignore every single thing they send. Don't get involved in any correspondence. If they ring you just say they have the wrong number. I have seen off more than 20 DCAs in this way because they send a certain number of letters then give up and pass it to someone else. Too late for many on here because they've been hooked. But for those who haven't- just ignore. Half the time they don't know if the debt is even genuine or even if you are still alive. Why play their game?

 

Number of letters received= 200+. Number of replies sent = 0. Number of court actions = 0.

[gorse36]

ok sar received from cabot and vanquis but neither include copies of statements and vanquis have not sent any copies of letters they have written to me - should i go back to them to ask them to fulfil the request more

 

any help much appreciated

[citizenB]

ok sar received from cabot and vanquis but neither include copies of statements and vanquis have not sent any copies of letters they have written to me - should i go back to them to ask them to fulfil the request more

 

any help much appreciated

 

Absolutely, if they have not provided statements, and at the very least a diary of events (which would identify communication between you and them) then they have not complied with your SAR request. There is a non compliance letter in the CAG library..

 

It is unlikely they will keep copies of letters sent / received.. but there should be a notation on the diary of events or communication log ! If they use lots of codes, then there should be a list of these given also so you can identify them on the logs.

 

HTH

[Duffers Mum]

Picking up on a point which has been asked on this thread but not answered...are Cabot allowed to add interest/charges prior to a CCA request being complied with (i'm in a similar position with Cabot adding charges over almost 2 years before they provided what they say is a CCA)? It seems wrong to me that they can do this (although appreciate Cabot seem to not care about procedures)

[citizenB]

They can only apply interest and charges if it is provided for in the agreement and terms and conditions .. if they cant provide a copy of those, then on what basis are they applying them.. hmm ?

[Duffers Mum]

thank you for that, that was what I thought, however it doesn't stop those of us that they do it to worrying about it (in my case they've added over £1.5K) when I broached the subject with them, they said they are allowed to do it because it said so in the agreement..that will be agreement they couldn't provide at the time then! You couldn't make it up! Still don't think the copy CCA they've provided complies but they've gone quiet so i'll not wake them up, but wait for them to send the next threat-o-gram!

 

Gorse - good luck, hope you get it sorted