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OH's dlc/reston/cabot mbna debt


joebloggs72
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hi i am posting this on behalf of my wife ..

 

she has a debt owed to mbna for £2600

we hadnt heard anything on this for 5 years

but as its 11 months off statue barred its popped its head up..

 

have a cca here to send off just unsure who gets it

 

the debt was owned by dlc

but a recent letter says they was placing the account with Cabot Financial (europe)

and their next step would be to pass the account to restons solictors

 

had no letter off cabot but a nice one turned up off restons threatening a ccj ..

.from what i read here their pretty true to their word.

.so was hoping a cca might slow them down.

 

the restons letter stats all future correspondence

and payments should be done through them

 

so do i send a the cca to them to dlc or to cabot

 

thankyou on behalf of my better half

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Dlc are Cabot

 

When did she take this card out

Is it on her credit file?

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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CCA to restons stated client

Sar to mbna

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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CCA to restons stated client

Sar to mbna

 

hi ty for replying so a cca to cabot then

 

a question regarding SAR

as default charges are now only £12 and have been for a number of years

do banks and credit cards still pay them back as they aint deemed excessive?

 

also does anyone have cabots address this should be sent too as i havent had any mail from them

 

only address i found is

Cabot Financial (Europe) Limited,

1 Kings Hill Avenue,

Kings Hill,

West Malling,

Kent

ME19 4UA

 

want to make sure thats the right place

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post 3 here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?458275-HSBC-credit-card-debt-Cabot-Marlin-returned-CCA-crossed-postal-order-not-excepted

 

as for the £12 charges

 

the FCA [was FSA] deemed £12 or under would not be investigated

but

they are still unlawful penalties under FCA guidelines

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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that shows the address as cabot financial (marlin) limited the letter i have says cabot financial (europe) limited

 

also noted it said in that thread to send blank postal order and not a crossed one? and let them fill in the information? i assume i also dont write anything on the back ie reference numbers etc ?

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pers I wouldnt

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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no they are all the same lot

it'll get there

just leave the PO totally blank

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 say you had a letter at 5 years 11 months. If it isn't a court claim then they'd very likely be out of time no matter how they reply.

 

And because it's Cabot, they won't have the paperwork anyway

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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Ahh ok. Then cca is the way to go. It will stop Cabot in their tracks

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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They can try but you can easily use a no paperwork holding defence.

 

 

Get the cca off today and they have 12+2 days to provide it.

 

 

Once you request it, the debts legally unenforceable until they supply a compliant response.

 

They know this but they hope you don't.

 

 

Sounds very shady?

 

 

Welcome to how dcas work.

 

 

They don't care about law or regulation.

 

 

They just want your money

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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i just doubled checked everything on the letter

and just so i havent missed anything the reston letter states this ..

 

 

.we are instructed by our client,

cabot financial (europe) limited,

appointed by your creditor ME III limited

 

 

..then goes on about the balance and then says as you have been previously notified,

ME III limited acquired the rights to the above account on friday june 24th 2016

and is entitled to receive payment due under the same..

 

now i mention the above because my wife hasnt had any other letters except the one from dlc

saying they was handed the account over to cabot financial dated the 29th june 2016

 

no idea who ME III limited is

 

i assume same cca still goes to cabot as there listed as the client

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so what if they issue a claim?

 

what are you frightened of?

 

might pay to get that SAR to the OC running

PPI/Penalty charges?

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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we dont like the idea of a ccj

 

where most dca blow wind out a ccj seems so final

and doesnt go away you either pay it off or it sits there forever as you chip away at it killing your credit file..

 

. now i know at the mo the credit rating sucks

but this debt isnt even listed on it

but a ccj will and wont go away after 6 years

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Get the CCA fired off and they CANT get a CCJ until they supply paperwork.

Cabot and restons do this all the time.

Its their default way of doing things.

 

Unless they can prove the debt is enforceable and legit, they havent got a hope in hell.

If they try and issue a claim while in default of your request,

then you use a holidng defence and stop them in their tracks.

 

Stop worrying about something that may not ever happen, and get the request off.

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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Hi

i have ran into a issue cabot site has a area you can register

so i attempted this just so i could get some info and proper mailing address

 

i know about the other address and thats the one i was going to send it too

if using the reference number i was given didnt yield a better address

 

seems the ref number doesnt exist its just one restons is using

so i dont actually have a reference number for cabot

so sending a cca request off seems pointless as they wont know who the heck we are ..

 

should i phone either restons or dlc the previous holder of the debt see if they have mailing info .

.and off restons the reference number?

 

or should i send the cca request to restons and see if they will pass it to their client?

 

i have the letters printed and the postal orders but with no reference number i am a bit stuck...

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go for Christ sake don't ring either a DCA or their pet dogs

they are not BAILIFFS.

 

if you are really that worried

copy the restons letter and staple it to the CCA request

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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wow bit tetchy there..

. i just dont want my time wasted sending the cca to the wrong place seeing i dont have an address

and they have like 20 different company names .

 

 

.and as that previous thread they will use any excuse for not complying ie no payee info..

i have plenty of time as you have said once the cca is sent and received they're stopped in their tracks ..

.so no harm in making sure i have everything correct

 

and just so i keep everyone upto-date

received a letter today from dls in the form of a notice of arrears

dated after all the other letters received from them and reston..

so if dls no longer own the debt why the heck they sending out a notice they aint required too?

 

anyway cca sent to cabot financial europe limited as thats the stated client

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as said before

DLC/Cabot are in the same group of companies

next desk next bloke in a diff coloured skirt

 

the owner of the debt

must send certain letters if they wish to charge interest

a NOSIA is one of those.

 

wow bit tetchy there..

what stapling a copy of the restons letter to the CCA?:lol:

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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no the christ sake :) lol

 

anyway sorry i must missed i didnt realise dls and cabot was same company

i didnt find a connection to each other just ME III and cabot

 

so wouldnt of sending the cca to dls of served the same purpose seeing there still sending the letters

 

if you now say yes i am going to cry as i had their mailing address lol

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You can't email a CCA needs a po..

 

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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