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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

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,

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 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

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 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

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 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... 

Link to post
Share on other sites
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