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    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
    • Hi she did say she was cancelling and returned the equipment. It looks like they put her on a rolling contract for 24 months when she phoned before trying to reduce her payments as they kept going up. I know Sky haven't done that to me. She didn't see that email as she's had lots of stressful situations. No.letter in post or when she originally phoned about reducing her bill well over £100 they didn't tell her about this contract. Like you say there should be recordings. BT mobile contract is separate to broadband and the cancellation fee is for the broadband. They have blocked her mobile so she can't use it and that is a contract. She is phoning CAB in the morning and checking through her paperwork. I'm quite happy with Sky as they tell you upfront what is happening and have never rolled over my contract. Thanks for taking time to reply it is much appreciated. 
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
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      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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      • 31 replies

Cabot/Ruthbridge/Capital One


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Just a quick question regarding Cabot.  

 

I believe it’s for a Capital One Credit Card taken out December 2010.

 No payments made since April 2014.  

 

There is a default registered on my credit file dated October 14, 2014.  

 

I’ve ignored all the standard letters from them regarding the debt but is it likely they can still take me to court regarding the debt.  

It’s for £568.  

Thank you.

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Statute baring of 6 years runs from date you failed to make a payment due.   So I guess you failed to make a payment in May 2014, therefore statute barred from May 2020.

 

Doubt they will issue a Court claim at this late stage for that amount, if they were mistaken that the statute barred status was from October 2020.

We could do with some help from you.

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Thank you.  I was trying to find out if the statute bar was from the missed payment or from the default date but all I could find is from the date a creditor had cause of action but I’m unsure of what that actually means.

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  • dx100uk changed the title to Cabot and old Cap1 Card debt

run with defaulted date unless you can prove cap1 took months to register it.

 

pers i'd not respond until or unless you get a letter of claim

as long as you've informed cap1 or cabot in writing if you've moved since taking it out.

 

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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Hi.  
 

yes I informed Cabot that we’d moved and the correct address shows on the credit file.

 

Can I just ask.  I was trying to find where I’d read after the default expiring 14 days after the date it’s recorded.  Is this correct.  So the recorded date is the 14th October but they would have until the 28th October to make a claim.

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That’s correct, always assume the default date if the last payment was made before them. That said at this stage it’s supremely unlikely that they will do anything.

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 OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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  • 2 months later...

I’ve received a letter today from Cabot Financial saying that as they’ve been unable to reach an agreement with me they’ve passed my account to a company called Ruthbridge.

 

It’s regarding an old Capital One credit card which doesn’t show on Credit Karma, Clearscore or Equifax and Experian has my credit score at 998.

 

I believe the last payment was in April 2014 and I wrote to them in Jan 2020 to advise of our correct address apart from that I’ve never called or acknowledged any letters.

 

Has anyone heard of Ruthbridge as it’s a company I’ve never heard of before.

 

Many Thanks

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just another business within the cabot group.

 

its now SB'd so send cabot our SB letter...

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 ..its goes to Cabot.....Ruth are part of the same group but not the legal owner (Assignee)

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 OTHERS

 

 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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If the address differs then yes send it to them.

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 OTHERS

 

 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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Why?

Read the template!!

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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Im sure it states on the template " [PRINT OR SIGN YOUR NAME DIGITALLY]

 

Emphasis on the " DIGITALLY "...so not by hand

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 OTHERS

 

 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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Thank you.

 

I was using my iPad and it wouldn’t let me change anything but I’ve asked my husband and he’s done it on his laptop.  Sorry for being an idiot.  I’ve spent the morning having chemicals pumped into a helmet I’m having to use to fumigate student bedrooms and it’s obviously gone to my head.

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I’ve sent off the SB letter first class recorded delivery.  
 

I have just printed my name digitally but was wondering do they have to accept it without my actual signature.  Can they be awkward about it?

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why do you have to sign it?

they don't even know What your sig looks like...

there is no requirement 

 

pity you wasted moneu on signed for ...all you needed was a 2nd class stamp and free proof of posting from any PO counter.

 

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...

I received a letter from Ruthbridge today in regards the SB letter I sent.

 

it just says that after liaising with their client (Cabot) the account has been returned to them in order for them to deal with the matters raised.  It also says the account with them has been closed and I’ll receive no further communication from Ruthbridge.

 

Then it finishes by saying that our client will be in touch with you shortly regarding the issues raised.

 

So now I have to wait for Cabot to get in contact with me.

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doubt it .

they'll drop it like a hot brick.

damn we got caught trying to fleece someone for our xmas drinks party bill on free money from MUGS.

 

 

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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Don't lose any sleep over Cabot. They can say anything they want in future but can't change the fact that it's now Statute Barred.

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 OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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