HFO services and Cabot finance

[Seahorse]

Abolutely, you can sort this lot out. You really need to take a step back and read as much as you can, and most importantly, read the FAQ's as your first step.

 

You'll find in there various template letters to use, but you shouldn't rush in straight away. Take time to absorb the info and get things clear in your head.

 

As regards HFO, you'll find a letter to adapt and send HERE. Hopefully this will stop them carrying on their harrasment by phone, but if not, let us know in your thread, and someone will be sure to offer further advice.

 

Cabot next- particularly easy this should be, as it is obvious there is no debt there to collect. First thing you should do is send a CCA as per the template provided. This will dispute the debt, and buy you time to learn more about how this lot work (Just do a search for Cabot, but be prepered for a lot of reading). They should supply your original agreement in reply to this letter within 12 working days, but probably won't. If they don't, they must apply to a court to allow them to enforce the debt, and if I was you, I'd let them try. You could then point out to the court that you are being harrassed for a debt that you don't owe, Cabot will look stupid when you produce paperwork showing you cleared the finance, and that should be that. It is unlikely though that they will go down that route, but you never know. Also, once a further 40 days have passed with no agreement forethcoming, they will have committed a criminal act. More about that later when/if it comes to it.

 

Just keep posting as you go. There are plenty of folks here are members of tBern's Cabot fan club, and all will be more than willing to help.

 

One last warning though. Cabot Financial (Europe) Limited is not the same company as Kings Hill (No1) Limited who bought your debt, and KH changed their name last month to Cabot Financial (UK) Limited. I know, confusing innit. I'm hoping to uncover something in the morning related to that so maybe I'll have a bit of news then.

 

Good Luck,

 

Seahorse

[Seahorse]

You don't have to tell them anything, except to go and copulate with themselves. And if they don't stop harrassing you, you'll report them to the police for CRIMINAL harrassment. Get individual names if you can, and have a moan at plod. They are seriously breaking the law.

 

Oh, and tell them you'll be recording every call from now on. (Even if you don't). And keep a diary with dates and times as evidence.

[Seahorse]

What you need to do is get a letter off to them demanding that they stop calling. You are under no obligation whatsoever to tel them anything. It is NOT your debt, they have NO RIGHT to be phoning you in this criminal fashion.

 

Start a thread of your own in the general debt forum so that we can help if they don't back off. And as this doesn't relate to a debt of your own, here's a letter that you might like to send. Keep a diary of all calls with date, time and name of caller if possible, so if they do continue, you have evidence to report them. (The address below is the one they have registered for their data controller. It might be worth copying the letter to their managing director too.)

 

Data Controller

HFO SERVICES LIMITED

4 CARLTON GARDENS

LONDON

SW1Y 5AA

 

Dear Sir/Madam,

 

I require you to remove all reference to my address and telephone numbers from your system immediately. Your company is continually making threatening and abusive calls to the numbers above in pursuit of a debt which they are well aware is not mine.

 

This constitutes criminal harrassment, as I have on several occasions explained that the person they are seeking does not live at this address, nor is he contactable by telephone at this address.

 

Please write to tell me that you have complied with my request. If you fail to do so, or the telephone calls persist, I shall have no option other than to seek to escalate the matter to the Information Commissioner's Office for your breach of the Data Protection Act, as you have no right to hold my personal information whatsoever. For the avoidance of doubt, the person you are chasing for a debt has no financial association with the address or telephone numbers that you are using.

 

I shall also report this matter to the Office of Fair Trading, as your company is acting in an appalling manner, and I have grave concerns regarding your company's fitness to hold a license. I also believe that I would have cause to report these activities to Trading Standards, and the Financial Ombudsman Service, as well as the Financial Services Authority.

 

No further warning will be given. In simple terms, either the harrassment stops, or I will report your company. And if those measure have no effect, I will seek redress through the courts.

 

[Seahorse]

NO!!!!! Don't offer them a PENNY in settlement, otherwise you are acknowledging that the debt is yours!!!!!

 

If you suspect that someone has committed fraud, then it is a matter for the police!!!!

[Seahorse]

You really need to report these assholes to Trading Standards

 

 

And to think I got CAGbotted, just for saying feckers!!!

 

[Seahorse]

TWO Doorstep Dickheads? They must be worried that you might shout loudly and reduce a Single Simpleton to tears.

 

I take it you won't be putting the kettle on when they call.

[Seahorse]

Have you seen their website? They sound really professional and ethical on there. HAHAHAHAHA

 

I've been trying to find employees profiles on MySpace and Bebo to put in my blog, but all I can find are EX employees. I guess they have a bit of a staff turnover problem.

[Seahorse]

Send them an invoice for the leccy and biscuits.

[Seahorse]

1.5kw at 2 minutes to boil the kettle. 45 pence for a packet of digestives. Round it up to a quid for argument's sake.

 

£38 penalty charge for breaking their agreement by not turning up.

 

Oh, let's just call it £40. Sounds fair enough to me.

[Seahorse]

You've hit the nail on the head, Gem. There ARE ethical companies out there doing a job that, sadly, needs to be done. Unfortunately, it's the likes of HFO and their cronies that are dragging the whole industry down into the mire with them.

 

There is a perfect opportunity for the CSA and other self regulatory bodies to take a firm hand and weed out the unscrupulous. But that's never going to happen so long as the industry perceives people like us as "vigilante debtors".

 

Come on guys, lenders and debtors alike. Start thinking outside the box, and then perhaps we can all start to live in harmony.

[Seahorse]

More likely they are all winding down for the hols and have more important things on their minds.

 

Like getting lashed and snogging the faces off each other. Allegedly.

[Seahorse]

I'm a bit confused about Facebook. It's all regions and networks, and difficult to infiltrate if you don't belong.

[Seahorse]

What I've found about Facebook is, folks can find people in their own region (Wales for example) but if you belong to say, Aberdeenshire, you can't see the same people. If you get what I mean. Not from a general search anyway.

[Seahorse]

{edit}

[Seahorse]

Unfortuneately your plan would not work Seahorse as the handsets of DCAs do not pick up any conversation unless the Magic words OK I'll pay are issued. The threatomatic is cleverly designed to edit out such words as UNENFORCEABLE, STATUTE BARRED, NO CCA NO PAY, and CAG not to mention the other well known words like Feck Off and Barstewards

 

Unfortunately, my edited out advice contained elements of loud whistles and a 3 second warning. On reflection, not perhaps the best advice I have ever considered, hence the removal of said incitement to injure.