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He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. 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Cabot Finance - Egg credit card


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please can someone advise.

 

I had an Egg cc many years ago, the debt seems to have been passed to Cabot finance.

 

I haven't paid anything or acknowledged the debt in more than 6 years.

 

Recently Cabot contacted me chasing the debt.

 

I replied with a statute barred standard letter.

 

Cabot replied advising the account was Terminated in 2011 and this ensures the debt is still active.

 

There is also a default from Cabot on my credit report from November 2011

although they didn't contact me and no payment has been made for years prior.

 

Please advise what course of action I can take?

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Check your own files, obviously nothing powerless DCA's say is the truth, but you need to be 100% certain

this is SB.

 

Can you confirm exactly when you last paid anything toward this?

 

Do you know when the acct was defaulted and then terminated?

Do you still have the DN smeg would have sent you?

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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termination date does not reset SB

 

 

silly beggars.

 

 

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 have my credit report and Cabot defaulted me in November 2011.

 

This is when they say the account was also terminated.

 

I've not paid in years, more than 6 years, I think. I can recall a payment in the last 10 years.

 

What's a DN SMEG? Default notice? (Apologies for my ignorance) I never received any notice of a default.

 

Only saw it when I checked my credit report.

 

What action should I take?

 

Correction Marlin Finance has given me a default notice, but I understand Cabot and marlin are one of the same?

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I would expect that the OC [EGG] defaulted you before they sold the debt on

 

 

pers I'd be sending EGG an sar to the Canadian square address

if you were wanting to do anything

 

 

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 certainly would not be inviting letter tennis.

 

you've stated your position

[which IMHO I would never do

if the debt is SB'd, let them issue a court claim and get egg on their face and waste money!!)

 

see what they do

 

if you need to prove your last payment

then SAR to egg is the way to go.

 

crabot know wfull well on a credit card/loan

SB date is about 1month after your last payment

and they've lost in court numerous times 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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Is it worth sending a prove it letter to Cabot?

 

I'm certain I've not made a payment but I'm second guessing myself because, well I guess I'm less confident than they are. And Court is intimidating.

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to what end?

 

you say its SB'd

 

end off IMHO

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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Share on other sites

that's what the sar is for

 

 

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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Share on other sites

Cabot replied advising the account was Terminated in 2011 and this ensures the debt is still active.

 

which is garbage.

 

I've not paid in years, more than 6 yearslink3.gif, I think. I can recall a payment in the last 10 years.

 

which was prior to assignment to the debt buyer 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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Share on other sites

Cabot quoted section 5 of the Limitations act 'An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.'

 

They say the action was termination. Is that possible?

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not on a credit card no

 

 

but if you read around, you'll see cabot have their own unique take on many things just like

esp a CCA request time limit.

 

 

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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You're believing the garbage crapbot are sending you, don't!

 

There is absolutely no truth in anything a powerless DCA ever says, they are simply trying to intimidate you

and exploit your lack of knowledge about debt collection, they, like politicians, are skilled liars, and nothing they say holds any water.

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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The default stays the same, or at least the date of default does, the only thing that should change is the name of the clown chasing it.

 

If they change the dates to suit their own needs then that is cause for a very loud complaint to the ICO, and could be money in your pocket!

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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  • 2 years later...

I realised I hadn't updated this post and thought anyone going through the same might find a conclusion helpful.

 

The debt was removed from my credit history,

something I had heard was impossible,

and the debt was agreed to be Statute Barred.

 

The paperwork was clearly well below par and both Marlin and Barclays wanted to get shot of me.

 

Good luck to anyone else going through this.

 

It's stressful but the advice I received here was good!

 

Tobe

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so when did it vanish off the file then

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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well done

 

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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Share on other sites

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