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    • Thanks dx100uk.   Not sure that I completely understand your reply, that said, thank you for taking the time to reply.   I did follow your link to the GDPR thread and Subject Access Requests. I can't remember if that was the term that the ICO used.    I am not sure that it would have been a SAR, my bank didn't insist that I apply in writing and ultimately it wasn't my bank that was being obtuse.   Then again, it may well be the case that the guy at the ICO did indeed use the term Subject Access Request. As I said,  I got a call from a 0300 number and decided to answer it, half in the expectation of it being a spam call.   So is SAR a direct consequence of GDPR? If yes, it is ironic that I am using to circumnavigate Lloyd banks flawed interpretation of the Data Protection Act.
    • CAB should never have said what they did.   If someone earns over the threshold, even if only 15p, yes in theory the whole amount will be reported as overpaid.    So yes you should expect a letter advising of a debt.   Suggest that your partner follows the appeal process and submits the mandatory reconsideration.  Put the arguments to a DWP Decision Maker. It might not change the decision already made, but worth giving it a go. Perhaps the CAB advisor who gave their opinion can assist.   Uniform is not an expenses that can be deducted in relation to earnings considered for benefit purposes. Your partner is employed and the employers should provide any uniform. Sounds a bit odd to deduct an amount for uniform and this should be queried with the employers. Not quite sure on the legality of the deduction.
    • Does your claimant commitment state to update journal or job application section of your account to provide the evidence?   If not, then written or even verbal would suffice. If the commitment isn't tight enough to state where to put your evidence then there is nothing they can do.
    • The onus is on the claimant to claim correctly. 15p or £2 over the limit is still over the limit.   You mention an alowable expense, where does it state uniform is allowable, it's normally travel, care fee's or pension contributions. Normally uniform is provided by the employer, so the DWP tend to ignore this.   Yes she will get a letter regarding paying it back, but she is lucky she isn't facing a fraud case.
    • Pardon late reply, had a busy last few days. I will make enquiries to the Council or Valuations Agency tomorrow when they are open.   I am a little apprehensive about getting the dentist involved although I wasn't warned about the new parking system at the time.   I have photos but will need to reduce the mb size of them as 4.5 mb is maximum upload on here. They will also need editing to blot out reg numbers etc.   I was given 28 days from CE to cough up after the POPLA decision and that will expire in a few days time. I intend to take this all the way and to save further action [e.g. debt collectors with the £100 rocketing to the thick end of a Grand]   write to CE and tell them take me straight to Court as all letters will be ignored.    There are 2 photos from my evidence previous post [Docs 1 pdf 2.81 mb] First is the view I had approaching car park to the right, this differs enormously from google street view.   Even with just 1 car in the carpark can you see any signs ? There is a small road sign in that photo too that was left behind following the roadworks and temporary traffic lights that hid the sign at the front.   Second photo is a view from where I parked no wonder I did not see it, in fact the angle is worse viewing from drivers seat as the pole is in line with the tree
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fjc1980

Cabot/Resolve Call - No Reply to CCA - now doorsteppers!! - Nrock loan

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Good evening......

 

I had the pleasure of a member of Resolve Calls team visit my home this evening with regard to an old debt of an unsecured loan taken out with Northern Rock in 2004

- last paid via debt management in 2014.

 

Cabot took up this debt in 2015,

I sent them a CCA request in Jan 16 but from memory only received a standard response.

 

I have two questions i could really do with some advice on

 

1) Should I write to Cabot reminding them of the outstanding CCA request or resend the request?

From memory i think they sent a generic response effectively saying they were 'looking for it' .

I know i should have kept this info, however the original signed agreement was definitely never provided.

 

2) Is there a letter or anything I can communicate to prevent these people just turning up at my door?

They wrote to me months ago informing me of Resolve Calls involvement but i assumed it was fairly generic.

 

The guy was very polite and non-threatening,

I gave him no more info than he could find from the electoral roll,

his objective seemed to be to get me to call his office on my doorstep at 7.30pm in the dark.

 

At this point i politely told him that wouldn't be happening so he gave me a card with details on to call.

I work away fairly often and do not want these people turning up when my partner and young son are at home alone.

 

Thanks in advance for any advice

Edited by dx100uk
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Thread title amended

 

 

1.no.

 

2.no.

 

next time he calls tell him to leave your property.film him with a mobile phone

 

tell him if he ever turns up again you will ring police 101

 

totally powerless door knockers wanting to pocket any money he gets off of you.

 

dx

Edited by Andyorch
Thread title amended

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

 

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Thanks DX,

Is it worth re-submitting a CCA request to Cabot?

I cannot for the life of me find their reply or proof of my postage.

I want to do something to stop these people turning up in the evening!

 

My last payment to this debt was in early 2014 via a debt management company, is it likely they will proceed with a CCJ against me?

Edited by dx100uk
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dunno haven't got a xtal ball but without enforceable paperwork

they aint going nowhere near a court.

 

as for the doorstepper already explained what to do.

 

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 

 

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I don't think there's any harm in sending a new CCA request, it sounds like they won't be able to comply, this time keep your records safe though!

 

As DX said, just shoo the door stepper away and tell the family to just shut the door on any one else that calls.

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sending a new CCa will not stop collection activities.

 

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 

 

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hi guys,

thanks for the help...

I will take no further action and be sure to tell any further callers where to go.

 

As per your advice DX,

that collection activities will not stop regardless of CCA request being sent,

Cabot have had this debt since around 2015.

 

In my mind i think if they were going to proceed with a CCJ they would have done it by now but as you say cannot see into the future.

If they do proceed with this, and i have no copy of the original agreement from them does this work in my favour?

If there is another thread for a similar scenario,

please let me know and i will have a look.

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when you say "They wrote to me months ago informing me of Resolve Calls involvement but i assumed it was fairly generic."

Was it just one letter and then this house call? I am kind of in the same situation and also have a small family so don't really want them knocking on the door and causing concern to my family - was your original letters from UK Asset Resolution?

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Hi Jackman,

 

I think I had a couple of letters well before Christmas, but nothing recently then the guy just knocked the door about 7ish last Wednesday trying to phone Resolvcall in my presence and pass the phone to me. To be honest he seemed more nervous of me than i was of him, once i told him it was time to go he left pretty quick. I have just told my missus to do the same if/when they call again.

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cause they know they shouldnt be doing what they are doing

they ARE NOT BAILIFFS

 

always call police 101 if they will not leave.

never engage in anything.

they are POWERLESS.


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 

 

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