welcome finance loan sold to cabot financial

[BUTTERCUP7]

I also was in the middle of a dispute and they have sold it to cabot they say. They can't do this!!

 

When are they going to be dealt with?

 

I have refused to deal with cabot. If we all did the same!??

 

Can they pass an account on during a major complaint?

 

Thanks

[renegadeimp]

If the account is in dispute, they shouldnt sell it. I'd also question paying welcome finance for years. Have you reclaimed all insurances they charged you and all unlawful penalty charges? Almost every single loan is chock full of them.

[dx100uk]

sar time!

 

 

dx

[renegadeimp]

sar time!

 

 

dx

 

Yep. Time to find the real story and not continue to blindly pay whatever amount they say.

[dx100uk]

and a cca request to cabot

 

 

dx

[BUTTERCUP7]

Hi.

Have got the SAR. Just arrived Friday.

 

 

What am I looking for exactly?

 

 

Can I really claim money back?

 

 

On what grounds can I do this?

 

 

As regards the CCA there is a copy of some sort in the SAR so what can I do with this too?

 

 

I'm going to write back and tell welcome about not selling whilst in dispute.

 

 

Are there any letters on here I can use for this specific point?

 

 

Thank you very much.

 

 

Very stressed out about this and am grateful for your support.

[dx100uk]

so how many £12 penalty charges

 

 

and what insurances?

 

 

can you scan up the agreement?

[BUTTERCUP7]

Hi not near the file at the moment. Will be in my office Wednesday so will post it up then etc

 

Also the site won't let me open the template letters even though I am signed in ok..

 

Thank you very much.

[dx100uk]

what template letters where?

 

 

use the library tab top left

 

 

dx

[BUTTERCUP7]

Ah I see thanks x

[renegadeimp]

Get the CCA sent to cabot. Welcome rarely had good paperwork due to their inept admin systems and cabot very rarely ever have the correct paperwork to collect the debt.

[BUTTERCUP7]

Thanks. Am worried about contacting cabot as I refuse to deal with them

and don't want to start opening communications with them.

 

 

Welcome have it now and I have told them I will only deal with them.

Isn't the. CCA request consenting to dealing with them?

[renegadeimp]

All you do is send the CCA request letter along with the statutory fee.

 

You do nothing else at all until you receive their response.

 

If welcome have sold the debt to cabot, then cabot own it and you need to deal with them.

Welcome will say they have washed their hands of it, and then ignore you.

 

I would not ignore cabot as they are known to issue court proceedings if they think they have a gullible person

or a debt that would be a default judgement.

They will then try other methods of collection through the courts.

 

A CCA request will attempt to put a stop to that.

[BUTTERCUP7]

What am I looking for in the CCA?

Thank you very much.

[dx100uk]

your signature!

 

 

was this your ONLY dealings with welcome finance.??

 

 

you MUST get that CCA request off

£1 BLANK PO

 

 

don't not write on it

 

 

do NOT sign the letter.

 

 

have you moved since welcome last wrote to you?

 

 

dx

[BUTTERCUP7]

I have seen a photocopy of the agreement in the SAR

 

So cabot will have it too

 

Had car loan but i paid that off

 

No change of address?

What difference would that make?

 

I would be entitled to see the deed of sale.

 

 

So I will ask for that too.

 

Though they stAte welcome has passed my account not sold it

 

Thanks

[BUTTERCUP7]

[renegadeimp]

When did you take out this loan?

A CCA before april 2007 has to be a copy of the original plus terms and conditions at inception plus any changes until the account was closed.

it is VERY rare welcome have that info,

it will likely be even rarer for cabot to be able to get that.

 

They might try a reconsituted agreement with a dodgy photocopy of random stuff hoping you believe them.

Do NOT ever think that a DCA will ever be able to get something.

Force them to prove it, otherwise, like i said, you mark yourself as 100% gullible and they will chase you.

 

You also are NOT entitled to see any deed of sale. That is a private commercial document.

 

You say cabot is acting on behalf of welcome? If that is so, then ignore them completely. They cannot do anything in that case.

 

Can you post up the letter cabot sent, minus any personal info?

[dx100uk]

I have seen a photocopy of the agreement in the SAR

 

So cabot will have it too - but they must send it to you do nt tell them you have it

Had car loan but i paid that off

 

No change of address?

What difference would that make? - sar will fail

I would be entitled to see the deed of sale. - nope FOTL rubbish forget fotl

So I will ask for that too. -no you cant

Though they stAte welcome has passed my account not sold it

 

Thanks

 

 

so does the caot letter say 'our client'

 

 

and who is that?

 

 

dx

[BUTTERCUP7]

Hi

 

Not near the paperwork so will sort it and post up what I can Wednesday.

Seems I have a lot of checking to do.

 

Will clarify things and post it all up.

Thank you very much h for helping me.

[BUTTERCUP7]

Just read somewhere about Lord denning said we allowed to have sight of deed of Assignment.

Pelias construction?

 

Thanks x

[dx100uk]

freedom of the land site twaddle

 

 

dx

[BUTTERCUP7]

Freedom of the land.....?

Not really sure what that is all about.

 

I just know that the dca firms run off when you ask for this information.

Thank you

[BUTTERCUP7]

Have looked around and am just glad sites like this are around. Thanks to everyone.

[renegadeimp]

Freedom of the land.....?

Not really sure what that is all about.

 

I just know that the dca firms run off when you ask for this information.

Thank you

 

More like they laugh at you and go to their friends " here, have a play around with this debtor.

 

 

They think FOTL actually works". Then they take you to court and a judge rule sin their favour as you try and defend yourself with a bunch of FOTL crap.