Jump to content


  • Tweets

  • Posts

    • I have been told by the council and welfare rights again because I receive £64. and my partner £168 state pension we aren't entitled to help with the rent and that I would have to pay from the carers £79 per week rent payments and that we couldn't claim universal credit as they would also tell us we aren't entitled. I'm at my wits end as by the time we pay full rent and council tax along with bills and food we aren't going to manage. 
    • I emailed the Information Comissioner's Office for clarification. I explained the above and asked them if the DPA applies to firms.   To my surprise,  they phoned me today. Lloyd bank's policy of refusing to release information about corporate (ie business accounts) is incorrect. The fellow at the ICO told me I am legally entitled to ask my own bank to insist that Lloyds provide them with the info that I want. I cannot remember the name of the protocol but when i phoned my bank and explained that I had spoken to the ICO, my bank's operative spoke to a superior and confirmed that they would now start the ball rolling.dd 
    • I can instruct my dog to sit if it does is another matter.   it this octo themselves or another co ..who?   does it mention the pre action protocol and contain a reply pack? if not safe to ignore    dx  
    • Thanks DX.  I've ploughed through the pages and dug out what I feel are the relevant ones. Obviously, some of these are duplicates of what I've put up before.  Anyway, I would be hugely grateful if someone can look over and advise. Reading though other posts and on other cases that I've had help with from here, I don't think they have much of a case - given the weakness of much of their "evidence" - but obviously I would be grateful for some expert advice from the helpful souls on here.    Thank you.    B   Witness Oct19_redacted.pdf
    • You came here for advice, soem advice has been given adn you question the validity and source of that advice. We are all lay peopele, ie not giving professional advice but it is based on experience of the world and in some cases working in the field that advice is given on. Now you dont have to take our advice, we wont get the huff if you prefer to look elsewhere or do something else. when I asked what you think they would do with your NI number it is to prod you to think for yourself and question why they would ask for this when there is nothing legal they can do with the information so wouild you be wnating to give it to them knowing that they would want it to break the law if they processed it. Now you can take that up with the company at the top but TBH unless you want to spend money on a lawyer they will not answer the question or fob you off with some ridiculous answer anyway.   so for the moment read a lot about  RLP and similar situations to yours ans make particular note of what happened to the peopel in the end. You will find no threads theat ended by saying " thanks to you I gor sued by RLP and owe them a fortune". It isnt going to happen and the reasons why are explained in many threads. They rely on your feeling of guilt to get anywhere
  • Our picks

Gumboil

Cabot chasing old Providian card debt

style="text-align:center;"> Please note that this topic has not had any new posts for the last 354 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi

I had a credit card debt with Providian that was sold to Cabot a number of years ago. The last monthly payment I made on the account was in July 2012. In August 2012, I wrote a CCA request to Cabot using the CAG template from the library. They wrote back stating that they would attempt to get the information requested within 40 days.

 

 

 

In October 2012, Cabot wrote that they had not obtained the info I needed under S77/78 CCA 1974 and as a result, the debt was unenforceable. In the meantime, they recommended that I continued to make repayments to the account. Obviously, no such repayments were made and I made no further contact with Cabot. Similarly, they have not been in contact with me in the intervening years until this month.

 

 

Earlier this month, I received a letter from Cabot out of the blue, offering to write of the debt for around 12% of the apparent outstanding amount. The figure is a few hundred pounds. This “offer” to free me of the account as they called it, was valid for twenty days. The said payment would mean that they would no longer contact me about the account. I made no contact with them regarding the matter.

 

 

This week, I’ve received what no doubt is the first telephone call from one of their call centre staff. Upon asking for me and revealing who they were, I said “All communication in writing only” and put the phone down.

 

 

It seems to me I have two options here: 1. I could photocopy the October 2012 letter from them and write something like “still waiting for the documentation” on it and enclose a copy of their begging letter or 2. I could send them a Statute Barrred letter from the CAG library.

 

 

Which of these would you advise or is there an alternative? I take it that as no payment has been made since July 2012, the entire debt is Statute Barred?

 

 

Thank you very much for your continuing help

Share this post


Link to post
Share on other sites

Ignore them. It's desperation. The debt is wholly unenforceable but it won't stop them trying to get something off you.

 

If you are sure it's statute barred, send the sb letter and they have to acknowledge 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

Share this post


Link to post
Share on other sites

Hi Gumboil,

 

I, too, had a letter from Cabot offering a whooping 73% off, offer is only open for 21 days. This is the first I've heard from them since June 2017, I assume they must be going through their books looking at unenforceable debts and hoping someone will take the bait.

 

Reading on this forum, sometime ago, someone who used to work for a DCA said that in the 3 years they worked there the company had changed name twice. Same staff, same office and same telephones just different name and FCA licence. It seems DCAs do this musical merry-go-round, I don't know why exactly. So, maybe Cabot are about to do the same?

 

As renegadeimp says ignore them; some very old statue barred debts are still being sent begging letters - nowt they can do though.

Share this post


Link to post
Share on other sites

send our statute barred letter from the debt collection section of the library esp if you've moved and never informed them since you took the credit out.

 

typically these phishing letters are sent to your new address to see if they can get a response, if they don't, then they'll issue a claim using your old address and attain a backdoor CCJ you'll know nowt about till court bailiffs come a knocking.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

I haven't moved house since the credit card was applied for in the nineties. Is it possible that they've used the electoral roll to check that I'm still living at the same address as I was in 2012?

 

 

 

I'm inclined to sit tight on this one and see what happens next

 

 

 

If I need to send the statute barred letter, can I just enter on the letter the account/reference number that was on the Cabot without entering my name and address? It would simplify matters and they should know who it's from.

 

 

Many thanks for your help

Share this post


Link to post
Share on other sites

good you haven't moved then

 

they would still need to follow the new pre action protocol anyway before issuing a court claim giving 30days.

 

agree ignore them.

 

p'haps they are collecting early for their xmas party drinks and are sending these letters out hoping to sc@m people into paying for the drinks.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
I haven't moved house since the credit card was applied for in the nineties. Is it possible that they've used the electoral roll to check that I'm still living at the same address as I was in 2012?

 

 

 

I'm inclined to sit tight on this one and see what happens next

 

 

 

If I need to send the statute barred letter, can I just enter on the letter the account/reference number that was on the Cabot without entering my name and address? It would simplify matters and they should know who it's from.

 

 

Many thanks for your help

 

Then cabot will never be able to enforce it. They know its a junk debt. SB, no way of ever getting the original CCA. As said before, totally ignore them.


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

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...