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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Cabot Letter Of Claim - old HSBC OD - all fees


iamgnome

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As long as you haven't paid or admitted the debt is yours, then they can't go to court.

You have an absolute defence.

Of course they'll threaten and Try, but there will be nothing they can do

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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poss .

in strict legal speak, its DN+14 days but if you made or used the AC after that date or never well before DN then its arguable the DN is faulty.

i would take the latest of the above

 

if it is SB then fire them off our SB letter from the debt collection section of our library

but you must be 1000% sure and sometimes its better not to kick pram wheels till they do ...

 

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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pers id nail them in their box

 

dx

 

  • Thanks 1

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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  • 1 year later...

Thanks for reopening this old thread! I'm back with an update.

Cabot's lawyers have sent me the below letter:

We are instructed to start legal action within 26 days if we do not hear from you regarding your outstanding balance.

We will obtain a CCJ if we do not hear from you. 

As mentioned, I'm certain that the debt is now SB'd. Likewise, I haven't paid anything to Cabot or admitted that the debt is mine.

They MIGHT claim that I made a payment after the default. If you remember, I did an SAR with Cabot and they tried to bluff a phantom payment. 

So, I'll aim to fire off the SB letter and if it goes to court then I'll defend that a) it's definitely SB'd and if needed, b) any payment Cabot are claiming is false and can be proved by xyz.

Does that sound about right? Thanks as always, for your help with this long running saga!

 

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yea just fire off the SB letter by 2nd class stamp

get free proof of posting from any po counter.

and as per the CONC in  the letter, start a diary now.

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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Thanks DX, will aim to do that asap.

A thought that came to my mind.

The letter they sent doesn't have a 30 day deadline and I received it by email.

Is that against the rules or have I got it wrong?

 

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so this was an email not a royal mail letter.

they use email as a free way to p'haps scam mugs that know no better.

not sure what this 30 days is you are going on about?

send the SB by surface mail get free proof of posting.

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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cant send a letter of claim by email, even if that what was attached to it. .

you are confusing yourself.

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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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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  • 3 weeks later...

Just an update on this.

Turns out they did send a physical letter, but it had a completely different date to their online one.

They also sent a chaser to their email, threatening to apply for CCJ.

Have ignored the emails and replied to the physical letter.

Will let you know what happens next...

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with the sb letter nothing else no?
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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  • 2 weeks later...

Update:

Cabot's lawyers have responded to my letter.

Their response was on email.

They claim I made a payment in 2018.

I've checked my bank account and there's nothing that was paid at the time that they claim.

As expected, this is the phantom payment scam they tried before.

If this is the best they have then I'm 100% sure the debt is now SB'd and they're desperate.

Is it worth replying i.e. you're wrong and I'll contest this at court, so don't contact me any further. Or shall I wait it out until LBC

Cheers

 

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emails can be ignored.

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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  • 1 month later...

Update on this… letter received from Cabot's lawyers saying they'll send an LBC in a week.

Kind of bizarre that they're giving me a warning, but I'll let you know if I do get the LBC.

Am I right that my WS is going to be along the lines of: debt is SB'd, they are wasting court's time and making up fraudulent payments?

 

 

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WS?
defence.

twill be exactly the same as our sb letter .

dx

 

  • Like 1

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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  • 2 weeks later...

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