Cabot phone call at work

[teamsquirrel]

Hi

 

Last week and completely out of the blue, I received a phone call on my work number from Cabot.

 

I know what this is about as they've sent me letters throught the post.

 

However, I have never given them my work number and naturally I was horrified that they called me and was dumbstruck and just put the phone down.

 

What I really don't understand his how they obtained this number?

Some other company (like my bank?) must have given it to them but I can't see how they would have?

 

I find it a bit creepy and feel that someone has done something with my personal details they shouldn't have.

 

Any ideas on this and how to get them to stop calling me at work?

Even if I did want to discuss it with them, I just can't at work!

 

Thanks

Edited April 1, 2012 by teamsquirrel

[dx100uk]

it is against all authority guidelines and rules to contact a debtor at work.

 

crapbot know this, so you must inform them in writing to cease using the number as it is a works number

if you have not already done so.

 

iwould suggest your cra file for the info source

or

p'haps the OC has fwded it.

 

just remember they have no legal powers no matter what they say/do

 

dx

[Conniff]

This shows how they just don't care about any form of authority and just stick their middle finger up to everyone blowing a big raspberry at the same time.

 

Don't leave it there, complain to every one, your councillor your MP the newpapers and most of all the OFT

[rebel11]

Hi team

 

Lodge a complaint with the OFT, it can be done online. It's against OFT Guideline for them to contact you at work.

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT664Rev.pdf

 

http://www.oft.gov.uk/contactus

[teamsquirrel]

Thanks for the advice. Having thought more about it over the weekend, I know of only 3 companies that have my work number. The original creditor does not, as this is a very old debt and I have changed employers since.

 

I don't believe my bank would've just given out my work number (It's hard enough for me to get info about me out of them!) which means it must have been one of the other 2 companies. Of these 2 companies, I suspect I know which one it was but, of course, will never be able to prove it! There's simply no other way Cabot could have got it.

[Bazooka Boo]

How are you getting on with the complaints?

[jobmid]

how old is the debt and when did you last pay it?

[teamsquirrel]

Not got round to complaining yet but will do. When I said "very old" in previous post, it's actually only from from 2006 and was last paid in 2007 or 08 maybe, defaulting soon after.

[the_shadow]

Not got round to complaining yet but will do. When I said "very old" in previous post, it's actually only from from 2006 and was last paid in 2007 or 08 maybe, defaulting soon after.

 

Hmm you need to seriously work out when the last payment was made as its coming up or possibly already arrived at stat barred stage. 6 years from last written acknowledgement or payment in england, 5 in scotland.

 

Probably why they are turning up the heat now too, they realise the timescales are against them.

 

S.

[teamsquirrel]

Thanks for the advice.

 

I did do a CCA request and they sent me some information, which included a schedule which detailed the original debt plus about 25 of their very own monthly "penalty interest" charges.

 

I was none the wiser about the last payment date.

 

Bank account from back then is long closed too.

 

I'll have a think.

[dx100uk]

lets put it this way

 

if they or the bank levied unlawful penalties and added interest on then

then they nor noone will ever go near a court.

 

ignore them.

 

dx

[Duffers Mum]

lets put it this way

 

if they or the bank levied unlawful penalties and added interest on then

then they nor noone will ever go near a court.

 

ignore them.

 

dx

 

That is a very interesting statement...Cabot have added loads of their interest onto my account with them (which I'm not paying as still don't think they've complied fully with CCA request) are you saying the chances of them taking it to court are very small because of their adding interest?

[dx100uk]

you need to take the whole post not one bit

 

the interest on the PENALTY charges

 

adding int is their choice

 

if they OWN the debt, then it can ONLY be that stated in any T&C's

 

if they dont own the debt

 

there is NO remit in any guidelines that allow DCA to add ANYTHING to a debt

if they do not own it

 

unlawfully inflating a debt and adding unlawful penalty charges [i e bank OD charges in the firstplace]

 

always makes it most unlikely that anyone wil go near a court for fear of a counter claim.

 

discount letters are another good indicator to this too.

 

dx

[Duffers Mum]

Thanks for the clarification