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Co-Op Card debt and Cabot/Equidebt


Baz1994
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Sent a CCA request to Cabot 6/6/15

 

Signed for and received 8/6/15

 

Reply received today and I have attached an edited copy.

 

They mention that information will be provided in 40 days. If details are not provided by 23/6/15 will it still therefore be unenforceable ?

 

Cabot bought the account from Equidebt in 2013. I have never received any form of annual statements from anyone including the OC. I have only been advised of the debt balance so therefore have they failed to comply with FCA handbook CONC 13.1.5 ?

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Cabrot know the rules as do we.

 

Once they have failed to supply the CCA within the prescribed time limit

then all payments should STOP, until such time they can magic one up.

 

Yes you should be receiving annual statements of account, from whoever has

their grubby mitts on the account at the time, otherwise you get cash cowed.

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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Cabrot know the rules as do we.

 

Once they have failed to supply the CCA within the prescribed time limit

then all payments should STOP, until such time they can magic one up.

 

Yes you should be receiving annual statements of account, from whoever has

their grubby mitts on the account at the time, otherwise you get cash cowed.

 

A belated thanks Bazooka - Will see what they come back with and will advise forum.

 

Well no statements from CO-OP anymore or when Equidebt had it. Shall I just not mention for now and wait for response re CCA ?

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if its been with equidebt 99% you've been cash cowed for years

 

 

when does this co-op card originate from?

 

 

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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Well no statements from CO-OP anymore or when Equidebt had it. Shall I just not mention for now and wait for response re CCA ?

 

Let them rot, even when they fail to supply one, ignore them, no need to keep poking the hornets nest.

You have stopped paying them haven't 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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if its been with equidebt 99% you've been cash cowed for years

 

 

when does this co-op card originate from?

 

 

dx

 

1998

 

Already claimed PPI but now wanted to stop paying anything else.

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Let them rot, even when they fail to supply one, ignore them, no need to keep poking the hornets nest.

You have stopped paying them haven't you?

 

OK cheers again bazooka.

 

Next payment due end of the month so I will cancel the direct debit.

 

Equidebt were quite forthcoming with reduced payment offers if I remember.

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I have had 4 CCA requests outstanding from Cabot for friends, (11 months so far) they have yet to fulfil their duty to supply it. They write every so often to the debtor, who keeps the letters for future reference, but they give up or transfer it to the next silly letter writer some time down the line.....

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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I have had 4 CCA requests outstanding from Cabot for friends, (11 months so far) they have yet to fulfil their duty to supply it. They write every so often to the debtor, who keeps the letters for future reference, but they give up or transfer it to the next silly letter writer some time down the line.....

 

Cheers mikeymack

 

I will see what they comeback with but in the meantime I will stop payments.

 

I will keep forum posted.

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  • dx100uk changed the title to Co-Op Card debt and Cabot/Equidebt
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