Cabot Financial old barclaycard debt

[mick094m]

I received a letter from "Cabot" dated 24th. April 2013

stating that they had tried to contact me on numerous occasions

and it is now vital that "I" contact them urgently to discuss my account,

you currently owe £1,249.85.

 

Now this is strange as I thought I had paid all of it off started looking through some old paper work

 

and found another letter from Cabot dated 18th September 2009

this one was an account "review"again stating the usual lie,been unable to contact you,

 

then goes on to say they will be increasing my Direct Debit to £44.00 starting from 01/10/2009,

This increase will repay your account more quickly and also assist in repairing your credit record for this account....

 

..some repair taken place here it goes from owing £433.95 in 2009 to £1,249.85 in 2013

when in actual fact I OWE them NIL paid off in full,

 

how are these people allowed to be in business ,

they are just nasty ,

 

they state that if I don't contact them they will have move my account onto the next stage of our collection process,

 

I hope that this means they will be sending someone to call at my property there will be a very nasty surprise awaiting them ,

as I have no intention of wasting money on stamps or phone calls over something that is totally wrong,

 

has anyone else had this sort of action from these people.

 

I am sure that I have the letter stating that I owe nothing

 

these two letters and the amounts and dates are enough to prove that there is something fishy going on.

[DonkeyB]

Anything on your CRA files?

[dx100uk]

who the OC

 

and what type is the debt?

 

dx

[mick094m]

Don't know what you mean by oc and

 

the original debt was Visa Barclay card,

 

and there should be nothing on my CRA as I have paid it all,

 

if a letter stated there was £433.95 owing in 2009

and the direct debit was increased to £44.00 per month then ten months and it is paid in full

so the debt was paid off in August 2010,

 

I can go back on my on line account and print off all the direct debit payments,if need be

[mick094m]

Then again why should I ,it is up to them to prove I have not paid in full,will just wait for them to go to their "next stage" what ever that is

[dx100uk]

ofcourse it will be on your cra file.

 

sounds like to me crapbot have been cash cowing you blind.

 

ever sent them a CCA request.

 

dx

[DonkeyB]

Definitely check your bank payments, especially to make sure they stopped when they should have!

[slick132]

Then again why should I ,it is up to them to prove I have not paid in full,will just wait for them to go to their "next stage" what ever that is

 

As Donkey says, you should check your records thoroughly to ensure you did, in fact, pay this off as you believe.

 

If you find you've paid more than you should have, you should reclaim every penny.

 

Edited April 30, 2013 by slick132

[mick094m]

Thanks for all the replies,

been very helpful,

 

I have decided to give them a few days to see what happens then I am going to send copies of the letters I have found from Cabot ,

to the OFT making a strong complaint regarding the manner in which they conduct business with lies

 

these letters sent by Cabot to me prove that payments have been made,

 

they are letters with different amounts due.

 

But I am hoping that I do get another letter from them,want to find out what they mean by next stage.

[mick094m]

Well the few days turned into a few months then

 

today came another one of the usual letters dated 3rd June 2013,

with a"Limited Offer" asking if I settle the account within 30 days I have the offer of 30% discount,

 

so what is the discount of 30% on ZERO.

 

That is the amount I owe them,

 

I have paid the amount off by Direct Debit,

 

this can be proved by asking my Bank to send me copies of the final payments

 

,if I cannot find the relevant statements,

sounds stupid them also offering mean attractive plan,

that I have already USED to pay off the debt,

 

I have no intention of as requested "contacting one of our helpful customer service advisors" ,

as I consider them "brain dead" and not worth wasting my time talking to them about something that they should already know the debt does not exist,

 

just going to wait and let them take me to Court then sue them

 

.Will keep you informed as to what happens next.

[renegadeimp]

As already advised they are cash cowing you. You NEED to report them, as this wont be a one off occurrence.

[dx100uk]

and they are offering a discount...bingo..begging letter

 

please don't stop mr cash cow

 

dx

[mick094m]

I tend to remember reading somewhere that This firm in the past was victim of a fire,

and lost a lot of peoples records,

is this correct or was I imagining.

 

the reason I ask is because I am being hassled over a debt that I reckon I have paid off.

 

Could I point out I am an old age pensioner but not senile or stupid,

 

I have contacted the Building Society and they have proved I have been paying by Direct Debit at £40.00 a month since 1/04/2005 until 1/06/2009,

 

I am no maths expert but reckon that comes to £2000,

the original debt to Barclay card was for £2,424.31,

 

I had a letter from Cabot dated 18th. September 2009 saying that I owed £433.95 .

Then I get one dated 24th. April 2013 saying that I currently owe £1,249.85.

This don't make any form of sense to me.

 

I also had a letter from FIRE( BANG). Saying there is an outstanding amount of £1,272.74 on the 17th. September 2013

for the same account make us a reasonable offer then on 7th. October 2013

" Pre-visit notification to collect etc.

 

I am sure that in September 2009 I either had a call or a letter with an offer to pay the amount of £433.95 off at a reduced rate,

I would not cancel a Direct Debit with that amount outstanding,

 

I am now going to get back to my bank to ask if they have any record of any payment by either cheque or what ever to Cabot around that date .

 

Any further advice or information about this firm would be welcome .

I suppose I should ask them to show me the account details that they have on file if they have any.

Thanks in advance

[dx100uk]

three thread merged on same debt.

 

you have already been advised they are cash cowing you.

 

did you ever send that CCA request?

 

anyone you are regularly paying on old debts should e sent one of these

 

dx

 

 

dx

[mick094m]

Barcleycard

[mick094m]

I have done I got the bank to send me all the details, itemised payments from the start of the Direct Debit 2005 until 2009

[mick094m]

don't understand what you saying ,three threads merged onto same debt, not sent for any cca request or anything I have been looking after a sick Wife, that I have just taken back to hospital with Breathing problems, will be going to a solicitor as I have not got the time to do it now

[mick094m]

Who do you report them to "rip Off Britain"

[dx100uk]

you don't need any solicitor mick

just scroll up to the top of this page and read all the msgs already sent you before.

click the cca request

 

print it and send it

cost £1!! that's all.

[slick132]

Hi Mick,

 

I agree with DX, you don't need to spend out on a solicitor to challenge this debt. That could cost you many hundreds of pounds and achieve nothing you can't do for yourself. I know your wife is unwell but taking the steps you need to take will not take long, when you have a few spare minutes.

 

Send off a CCA request with a £1 Postal Order to pay the required fee - http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

 

I would also ask Cabot to give you a breakdown of how they arrive at the figure they say you now owe.

 

[mikeymack2002]

Mick what we are saying is print off this letter put a £1-00 postal order in a wait, DONT PAY anymore money till you get the reply. the letter is found here by clicking the link http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

So please do the following only

 

1. Stop paying any money

2. Send off the letter with a £1-00 postal order in

3. Wait till you get a reply then come back here BEFORE YOU PAY ANY MORE MONEY.

 

We are trying HARD to stop YOU BEING RIPPED OFF

 

MM

[mick094m]

Sorry for delay in relying

I have been busy with visits to the hospital with my Wife,

 

I am doing what you have suggested ,

plus I have not paid anything to them since 2009,

as I considered the debt paid off ,

they say there is an amount outstanding ,

but I would never cancel a Direct Debit with an outstanding amount ,

especially to these people,

 

What I wanted to go to see a Solicitor for was to get advice as to how they can be "sued for compensation"

as this is the norm these days with everything

and to give them a taste of there own medicine,

and also how to put them out of business as it is my opinion that they are just a shower of bleep,

 

will be sending off letters this week

also one to my Bank again ,

 

I have an itemised list of all the Direct debit payments off them ,

but I am going to ask if there is any record of a "final payment" to them ,

as I cannot remember if it was a phone call or a written offer of a discount for early payment

of the outstanding amount, and

 

also the date I cancelled the Direct debit

( I am assuming that it was me who cancelled it) .

 

If I take a bit longer to reply please understand that I will be back and forth to a hospital with my Wife,

 

I think I may be the next for treatment.

thanks for all the advice I am taking it, just a bit slower than usual.

[mikeymack2002]

Taking it slowly is the best thing you can do, seeking legal advice is good too. Remember the collectors are hoping you don't know what is what so come back and update your post when you can.

 

MM

[mick094m]

Just got back from the Hospital we are back again tomorrow and Friday

 

going to start writing letters in between,

 

First one is to the bank to get the details of the direct debit cancellation

then this lot of prats,

 

With reading all of the complaints about this company I am surprised it is allowed to trade,

could we not all band together and get them shut down,

 

oooooops I forgot it is after all England,

and regarding this sort of thing "anything goes",

 

in fact this Government or for that matter any English Government regardless of in power

or not encourages this sort of thing , they are just as bad as them all.

[dx100uk]

an sar to the bank for £10 might be the best option

 

then you'll get everything they hold on you.

 

cca to crabot

 

dx