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Help with Cabot - Santander current account overdraft and credit card


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Doesnt count ignore

Clicking a link doesn't count 

nope.covered by the original agreement you signed.

It depends what it is in their Privacy Notice. They will pass details onto Anti Fraud agencies... But there is a secret market you might not know about...

All the big CRAs have products available to lenders which stores application data and then that information is available to other companies accordingly.

 

I had this once with Experian... I applied for a Tesco Loan at the time and my info was given to Experian in one of their products.

A DCA then used this information that had been stored at Experian to start spamming me with RoboCalls.

The DCA admitted & fessed up to it. Experian complaint yielded no results and referred me to Tesco who then said its in our Privacy Policy that we share information with 3rd parties.

 

But whats gone on... Whats made you ask this?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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explain more jim please

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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bank account varying balance is a give away but they cant see all that.

they cant see what you see

 

so why is this an issue?

are you worried because you have money that a dca might chase you?

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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Not yet but I have been reading up on DCA's and preparing myself for a battle with the nice folks at Cabot. They are currently leaving me alone so I have been doing some research, knowledge seems to be the key to avoiding the cash cow status:wink:

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ok

ive merged this with your existing cabot thread

better in one place then we don't have to ask q's already here again.

 

once you have the sar return.

things will be clearer

 

just because you might have money

makes no offs to a DCA

they couldn't careless

 

the automictic threat-o-pc will still spew out its garbage.

 

please never forget the golden rule...

 

a DCA is NOT A BAILIFF

and have

ZERO legal powers.

 

if you really did owe that money

why didn't satans bank take yo to court?

why sell it on for 10p=£1? to a debt buyer....

 

think about it...…….

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 for your responses and apologies for posting in the wrong place. Santander have acknowledged my SAR request so I'm curious as to what that will show up. I see the point Santander would have tried to enforce the debt themselves if they thought worth pursuing:wink:

I'm starting to relax a little now:humble:

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Cabot have written to me stating the credit card debt is unenforceable also as the original lender does not have the relevant information:oops: They also state they cannot comply with my CCA request at this time.

I notice they have entered details of these debts on my credit file even though the debts are disputed I guess nothing can be done about that. I will be sitting tight and awaiting the SAR from Santander (if anything arrives).

Seems my Christmas will not be ruined after all:whoo:

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good another cash attempt thwarted.

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...
good another cash attempt thwarted.

 

Update on this: SAR from Santander has arrived most of which I don't understand however it does confirm Cabot bought the debts. There is a copy of an online bank account application with no signature and an illegible copy of a credit card agreement dated 2008 with a very poor signature that does not match the signature on my passport.

Both accounts show significant charges. Is the credit card agreement enforceable as there is confirmation it has been forwarded to Cabot.

Thanks and Merry Christmas to all:-D

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dunno have we seen it yet?

 

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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bogroll

 

go enjoy the holiday period

nothing to see here..move along.

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've no provided anything

what you got in your SAr you keep to yourself!

 

dx

  • Confused 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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  • 4 weeks later...

Had another letter from my friends at Cabot.

 

When I originally wrote to them I stated that I had no assets and various health problems.

 

I informed them that as Cabot were unknown to me they were causing me a lot of stress.

 

This has triggered an "investigation" and today I received a letter enclosing various print outs of CC statements and a copy of the previously uploaded illegible CCA agreement for the credit card (nothing related to the current account).

 

The enclosed letter informed me of the outcome of the "investigation" and requested I supply confidential medical reports from my GP to confirm my medical issues and that I fill out an income outgoings report. The letter also states that both accounts are unenforceable!

 

I intend to place these papers in my file marked Cabot and ignore them but as always advice is appreciated. Interestingly the CC statements all show PPI payments:roll:

Happy New Year to all:-D

Edited by dx100uk
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Debt buyers requesting personal medical records.....whatever next :oops:

  • Confused 1

We could do with some help from you.

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  • 5 months later...

Update, new tactic from Cabot??

After a quiet period I suddenly get a call to my mobile asking for me by my first name to which i answered yes, (my name) speaking.

 

Caller then says this is Cabot Financial, my reply, never heard of you sorry. I ended the call and blocked the number ( a mobile).

 

Ten minutes later I get a text message stating: Hi, its Cabot click this secure message link if you want to hear something beneficial to you ( or words to that effect).

 

I deleted the message and blocked the sender but I am curious as to what this ploy is.

 

I am guessing by clicking the secure message link I will be acknowledging the debt and thereby resetting the statute barred clock.

 

Have any other Forum members experienced the secure message approach?

Thanks in advance.

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Doesnt count

ignore

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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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As always thanks for the help, just made a donation😀. Can I complain under GDPR as I have not given Cabot permission to share my number or contact me by phone. I wrote to them stating communication by letter only.

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nope.covered by the original agreement you signed.

  • 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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