Cabot refuse to stop harrassing little old lady over CAT debt

[minionherder]

Hi, I'll just explain the situation.

 

Mother in law used to live with us.

Mother in law had a catalogue debt at our address.

She moved and Cabot have sent collection letters to her new adddress.

Debt seems excessively high.

Mother in law is a typical doddering old lady and doesnt understand what is going on.

 

Debt was with cabot and she was paying it,

they sent it to fredricksons at which point we found out about it

and realise the amount is almost double what she owed.

 

 

We send Freds a request for credit agreement and statement of account.

Freds send it back to Cabot as they were only acting as agents of cabot

and cannot supply the documents.

 

At this point we with mother in laws permission

send cabot a letter stating we are going to administer her account for her

and all post it to be sent to us in her name at our address

(the address she originally set up the account at).

 

 

Mother in law signed a declaration on this letter giving us permission to act in her name.

Cabot have not answered this declaration, of note Fredricksons did use us as her contact address.

 

We sent Cabot a long letter explaining that the amount on the account is disputed,

that we wish to see a statement and credit agreement,

also that all contact is to be via letter in mother in laws name at our address.

 

 

We also stated as Freds had been unable to supply docs that the account was in dispute.

(Cabot received the demand for docs on 25th Feb recorded)

 

Cabot are STILL sending Mother in law demands,

means forms to fill in and general debt collection letters to her address,

they refuse to deal with us as her reps

and seem to be ignoring the requests for docs and disputes etc.

 

 

Mother in law getting very upset at letters,

she has even tried ringing them (obviously we told her not to do that any more)

 

Is there any regulations we can use to force Cabot to deal with us in her name?

 

What is the next step to take with regards to them not supplying docs?

 

Do we complain to financial ombudsman?

 

It seems to me they know we are playing by the rules

they cannot follow so they are instead bullying Mother in law who they see as a weak link.

Edited March 18, 2016 by minionherder

[goodatresearch]

I'd send a SAR to the original catalogue company to see exactly what she owes and what the debt is made up of.

 

Have you made an official CCA request and paid the statutory fee? If not, I would do so.

 

Has anyone sent MIL annual statements? If not then any interest accruing isn't enforceable.

 

Was the debt assigned properly?

 

You need to gather as much info as possible.

[minionherder]

Official CCA request was made with the fee. They signed for it on the 25th feb.

 

Dont think she has had statements, she gave us all the letters. Also unsure about assignment.

 

The issue we have isnt with fighting them, its more with getting them to stop upsetting her by sending the letters to our address.

[Bazooka Boo]

Keep a diary of events, with regard to this harassment, and with a view of reporting them to the local police for the criminal offence of harassment, this might seem excessive, but I'll leave you this story of the late Beryl Brazier case which will/should change peoples views on this industry and why I condone reporting them to the police.

http://www.dailymail.co.uk/news/article-484772/Grandmother-terrorised-death-bank-wrongly-hounded-16-000.html

 

 

Tell your MiL NOT to read their silly letters, just put them into a carrier bag for you to collect later, their puerile missives are simply computer generated garbage spat out at regular intervals to an address the computer has on its system, they are simply psychological rather than actual, once this is realised they cease to have any affect or purpose.

 

Hammer CABROT complain too them, and also to the FCA regarding their behaviour.

[Bazooka Boo]

Official CCA request was made with the fee. They signed for it on the 25th feb.

 

Then payments can be stopped, if any were being made.

 

If Cabrot have a complaints procedure, use it, and ruddy well exhaust it, also complain to the FCA.

[goodatresearch]

I understand, receiving these letters can be very upsetting.

 

However even if they start dealing with you, you surely don't want your MIL to pay sums she doesn't owe. I'd still obtain the paperwork suggested ( be aware plently of people receive court papers even though they're paying an alleged debt. I'd rather get all the paperwork now, just in case).. Also write a formal letter of complaint, marking it as such. They have 8 weeks to respond.

 

Official CCA request was made with the fee. They signed for it on the 25th feb.

 

Dont think she has had statements, she gave us all the letters. Also unsure about assignment.

 

The issue we have isnt with fighting them, its more with getting them to stop upsetting her by sending the letters to our address.

[minionherder]

Also write a formal letter of complaint, marking it as such. They have 8 weeks to respond.

 

To Cabot?

[dx100uk]

yes

[Queens_king]

Have you considered getting the letterof authority notarised by a Lawyer? No chance of them stating they were not informed as the lawyer will hold a copy which would be dated

[Bazooka Boo]

Have you considered getting the letter of authority notarised by a Lawyer? No chance of them stating they were not informed as the lawyer will hold a copy which would be dated

 

Doubt it will be needed, the DCA cannot ignore the debtors wish to use a third party to deal with their affairs, as it goes against the CPUTR, they know who they are to contact regarding this, yet they choose to ignore the debtors wishes of how they are contacted.

 

Trading standards and FCA need to be told.