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    • Appreciate the time that has gone into replying. I have read so much about this tonight that hopefully I can be a step ahead.  If I gain a reply from the head office I shall let you guys know. 
    • yep. they are all simply trading names of perch to try and scam people into thinking their debt is going up some kind to mystical legal chain...which is BS. all dca's pull these stunts and have done since the late 1970's
    • just type no need to hit quote. what you really need to do is forget about it now they have  just steer clear of THAT ONE STORE for a few months. other B&Q's are OK. even if you do go back in, they'll simple ask you to leave, then if you return again, could invoke trespass laws BUT WE HAVE NEVER SEEN IT HERE. as for getting out of your tree about police, prison, criminal record, arrested, knocks at doors, letter of claim....NONE OF THE CAN EVER HAPPEN. and has not on these joe public low level shoplifting incidence since 2012. you've already got a scary letter ratchetting on about some mystical FAKE civil restoration scheme .  you'll probably get a few more ...NOTHING THEY CAN EVER DO. bin shred burn give to your pet hamster any money people pay CRS/RLP/DEF etc regarding their letters goes straight into their pocket and off they go down the pub and LAUGH at people they mugged. the retailer never sees a penny.  i admire your action of send £5 to B&Q. its done now and its over with....move on with your live. dx
    • Sending money across borders, particularly in Africa, can still be expensive.View the full article
    • 4.  Under The Pre-Action Protocol 201?, a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior too and including ,The Pre action Protocol Letter of Claim dated 7 January 2020 and the claimform dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 9.   The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2nd February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None were received by the court nor the defendant by that date. re: 13 & 15...they dont need to produce the deed, thats a private b2b document only the judge can demand sight of. i would remove 13 totally as within their WS they have produced the Notice Of Assignment. and delete it from 15 a few ideas. dx  
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Sainsburys Loan Sold to Cabot


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Hi

 

I'm desperately seeking help please.

 

 

Ex wife and me took out a loan with Sainsburys Bank in 2008.

It was for her failed business but as she was self employed and I had a good credit rating,

we took it out in joint names.

 

 

We divorced in 2011 and she was supposed to carry on making the payments as she had the better income.

 

Defaulted in Jan 2012 and nothing has been paid since then.

 

 

Was disputed formally in December 2012 by me - wrote to Westcot who said they would provide agreement and never did

(I have that letter - their account was placed on hold until the agreement was sent and they never sent it).

 

Fast forward 4 years - October 2016.

I received a letter from Sainsburys advising they had sold loan to Cabot.

Also received a letter from Cabot asking me to make contact with them.

 

 

Wrote back to Cabot advising loan was in dispute and they have provided a v poor copy of agreement (photocopy of photocopy) and historic statement of account.

 

Both Sainsburys and Cabot have now written to me to say they think agreement is enforceable and Cabot have just sent me a further letter asking me to call them.

 

Ex wife has just buried her head in the sand and although she is the one with money, she is ignoring all this.

 

 

I work for a bank so have never had problems like this before.

What should I do now?

My credit file just shows one default to Cabot dated Jan 2012

 

Any advice would be great

 

Thank you so much

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if it was enforceable then i'd guess Sainsbury wouldn't have sold it on.

 

it will vanish from your credit file on the defaults 6th birthday.

 

but that doesn't mean the debt is not owed.

 

when was the last payment?

and when did you CCA and whom?

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 request to cabot

 

 

so jan 18 its statute barred

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 why I said CCA request to cabot

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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If cabot own the debt, then its 99.99% unenforceable. They dont deal in legit debts. Do the homework.

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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that's why I said CCA request to cabot

 

Hi. Thank you.

Sorry but what good would that do?

They have already sent me a bad copy of the agreement (copy of copy) and confirmed that they believe it to be enforceable.

 

 

I haven't had DOA, current terms and conditions or current statement.

I have also had no threat of legal action. I

'm sorry for stupid questions.

 

If cabot own the debt, then its 99.99% unenforceable. They dont deal in legit debts. Do the homework.

 

Thanks. So I should just ignore?

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you cca'd wetcloths 5yrs ago before sale

 

 

you need to put cabot in their place

 

 

CCA them, the debt has been sold to them

they'll know nowt about the history

 

 

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 had an sainsburys credit card which was sold to Cabot, they kept saying it was enforceable, I argued it wasn't, it went to "solicitors" but never went to court, it's now statute barred, it was hard to not give in and pay them but advice from CAG was a great help...have you posted a copy of the agreement they sent? Have they supplied the correct T&C's? Every time I queried my cca with them they sent another set of t&c's totally different from the last...

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They have 12+2 working days to reply. They wont. Cabot dont enforce legit debts. They just buy up bad debts in bulk and harass people into paying.

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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has it been 12+2 working days yet?

but anyway

no CCA = NO PAY

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

which as the 'creditor' they must

 

 

and even if they fail the CCA

they'll still do so

doesn't mean anything.

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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  • 3 weeks later...

Hi

 

Letter received from Cabot confirming receipt of CCA and that they don't have documents so have requested them and they should be able to reply within 40 days. Should I do anything now? Thanks as always

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yep ignore them

they have 12+2 working days

 

 

once passed if you were you can stop paying till they comply..

 

 

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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Your actually paying Cabot ? :wink:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Hi

 

Letter received from Cabot confirming receipt of CCA and that they don't have documents so have requested them and they should be able to reply within 40 days. Should I do anything now? Thanks as always

 

Keep ignoring. Youve called their bluff, and now theyre panicking. Dont pay them a single penny or even consider it.

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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