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Hi Everyone,

 

My sister-in-law recently received a phone call from a woman from Cabot (she has a payment plan in place)

the woman said that as the last financial update was done last August it was time to do another one.

 

previous to this I had always advised her re' her dealings with these people,

but on this occasion she went ahead without talking to me first,

 

during the course of the review my sister-in-law told the woman that her son was paying the council tax and rent,

(her son has Aspergers Syndrome, Dyslexia and Dyspraxia and has a statement to that effect)

the woman then went on to ask how much he received in benefits and also how much savings he had.

 

My sister-in-law phoned me in a great state of distress,

she is a pensioner with no savings and finds it very difficult making ends meet.

 

I phoned Cabot and told them what had happened and that they had no right to probe into the boy's finances

and that I am considering contacting the FCA.

 

The person I spoke to put me on hold whilst he spoke to a manager,

he came back and said that they were very sorry about the way things had been handled

and that they would speak to the employee who made the call.

 

To say that I am angry about this is an understatement,

I really would be grateful for some advice as to how I should proceed in this matter on my sister-in-laws behalf.

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She needs to make a formal complaint in writing about what happened and how much distress has been caused, for which she is considering taking up with the Financial Ombudsman Service.

 

The FCA does not really deal with individual complaints and would point her to the FOS.

 

But the question is whether Cabot are cashing cowing and making more out of this debt than they should be.

 

What type of debt is this ? What is the history of it briefly ? Were there any issues with original creditor that were left unresolved e.g PPI, excessive charges ?

 

I would be tempted to do a review of this debt yourselves and gather evidence so you can do this. Ask Cabot for a full statement of account showing all payments made to them and a copy of the last statement of account from the original creditors. If this is a Consumer Credit Act covered debt, then it might be worth a CCA request.

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whats the original debt about please

 

 

has she sent these fleecers a CCA request?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you all for your advice..

 

 

..Firstly the debt relates to a Credit Card,

 

 

A plan was arranged by CCCS (now Step Change) and has been kept up.

 

 

Secondly should she complain to Cabot and the FOS, CSA.

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CCA request time

 

 

how many years has this been going on...years I bet??

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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which card, taken out when? s78 cca request to cabot

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Guest Kris_barb

If she has gone to step change I should imagine she has more than 1 debt.

 

 

See if she is eligible for a Debt Relief Order.

 

 

If she is eligible it will be a one off £90 fee and all debts wiped off within 12 months.

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slow down check the debts first via CCA please

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I think the debt plan has been running for over five years,

 

 

as to the card I think it's Halifax although i'm not sure and can't contact her until tomorrow.

 

 

Would it be best to put this on hold until I can speak to her in the morning,

 

 

then I can post again with all the details.

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oh yes

 

 

dx

  • Confused 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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HI, Back again....

 

 

...The credit card was Halifax and the balance is a little over £2000.

 

 

This debt goes back about eight years.

 

 

There are two other debts..

 

 

.One is a Halifax loan and the other is a card from Capital One,

 

 

this also goes back about eight years.

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CCA requests all round

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PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Wait to see if cabot fulfil the request. 99% of the time, cabot are never able to fulfil a CCA request correctly.

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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unclebulgaria67 and dx100uk also suggested the CCA route so I'll get on that this week,

 

 

and kris_barb recommended a complaint th the CSA. Also I'll get one off for to the FOS.

 

As soon as there is any reaction I'll post again...Thank you all.

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we have serious doubts about the CSA route TBH.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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CSA won't do anything IMO, they are employed by the DCA's so even I can tell you what their response will be, they won't find in the debtors favour.......ever!

 

CCA requests first, shame she's been cash cowed for the last 8 years!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yeah, I see what you mean...self policing.

 

 

i phoned the FOS and they took all the details regarding the phone call to my sister-in-law,

they also wanted Cabot's ref' number for the account,

the credit card number

and also the company licence number,

 

 

they said that Cabot have eight weeks to respond,

if they do come up with a final response letter I'm to call FOS with details,

I'm not sure what FOS will do if they don't reply.

 

In the meantime I'll get a CCA off to them and also to the other two creditors.

 

But even if they do reply saying "sorry about that it won't happen again"

 

 

what will or can the FOS do apart from issuing a stern "smack knuckles" letter.

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eight years...urm I smell a cash cow here.

 

 

pers I'd be dumping stepchange

 

 

do it yourself for him [the DMP - IF one is needed after the CCA requests.

 

 

don't forget reclaiming too!!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx100uk,

 

 

I've looked at the last letter from Cabot and there is £4238 outstanding and being paid back at £1 per month.

 

 

The FOS wrote to them last week so I should get a reply soon,

 

 

but I'll get the CCA's off this week so we'll see what that stirs up.

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Get them off asap. Cabot rarely ever have paperwork for a debt. And once they default on the request, you can save some cash.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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get some sar 's running to the original creditors too.

 

 

wouldn't hurt either to get her credit file

 

 

see below

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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