Baines & Ernst now CCCS - many debts

[Seahorse]

PM a Mod. Someone will shift it for you and save you losing all the posts.

[Seahorse]

And Presto!!! As if by magic, tis done.

 

Thanks, Anon o Mod.

 

So, it could take up to 10 weeks, eh? Silly Cabot. You KNOW you don't have that long. Why aren't you getting ALL the docs in your big bundles of misery that you buy. You know you should really, but you don't. Even though you KNOW by now that the chances are high that you'll be asked for them. Oh, but of course. The CCA doesn't apply to you, does it?

 

OR SO YOU THINK!!!!

 

I guess my ranting means, don't let them fob you off ,Spuddly me old china. They do only have 12 working days, etc etc from when they got your CCA. Let us know how you get on.

[Seahorse]

Yup. EXACTLY that.

[Seahorse]

Hmmm. Well, since it has been confirmed to me that Cabot do NOT keep copies of letters they send you, and merely print another off from a template if you ask for said copy. And the template letter dates are automatically added as per the date of printing, it might appear at first glance that Ms Robertson has had this letter sitting on her desk an awfully long time.

 

Dunno what else to say really. Oh, except if it WAS a recent letter, they'd have told you they are returning your shiny Queen's One Pound, as the CCA doesn't apply to them. Allegedly. Assuming this letter is in response to your CCA, of course. (THis seems to be a new thing they are doing since I queried their right to the statutory £1 fee if they deny they are obliged to comply with a CCA request. I got my quid back too. But I'm not cashing their cheque. )

 

Although the nice Ms Robertson makes no mention here of Rights but Not the Duties, as they usually do. Hmm.

[Seahorse]

To be fair to them, you probably will get your SAR request bumff within the 40 days.

 

Whether or not it DOES actually contain everything they hold about you, is another matter.

[Seahorse]

Did someone mention complaints procedure?

 

Here ye go...

 

http://www.consumeractiongroup.co.uk/forum/cabot/54029-seahorse-cabot-27.html#post949278

[Seahorse]

And as it's from a template, this will be going out to all and sundry

 

"Cabot have sought the advice of Trading Standards who have confirmed this does not apply to us as we are not the "creditor" and the accounts have defaulted."

 

First thing is, I suppose technically CABOT are not the creditor. There IS no Cabot. It's Cabot Financial (UK) Limited who are the new owners of an accounts, therefore THEY are the creditor.

 

(Ken's Cronies think they can try to use the Law of Property Act to sidestep their obligations, then accuse US of being "rogue ustomers" for daring to use the law to benefit us? CAKE and EAT IT spring to mind.)

 

And secondly, what the heck has it got to do with any accounts being defaulted as to whether or not they are exempt or otherwise from complying with the CCA? Deliberately misleading statement, or a very poor command of grammer? You decide.

[Seahorse]

HAHA. So they would like you to start putting incriminating words down in writing.

 

Of course, you'll have simply replied, "As previously advised, I do NOT acknowledge any debt whatsoever. I trust this answers your query."

 

They're not the only ones who can use twisty words.

[Seahorse]

Cabot Financial (Europe) Limited's complaints procedure here...

 

http://www.consumeractiongroup.co.uk/forum/cabot/54029-seahorse-cabot-27.html#post949278

[Seahorse]

Keep us in the loop.

[Seahorse]

Excellent news Spuddly.

[Seahorse]

Sounds like a plan. I think I'll do the same.

[Seahorse]

In part 3, also state that you want ALL adverse markers removed too.

[Seahorse]

Oh, well. I'm sure it can be made plain later.

[Seahorse]

Nevertheless, I'm sure that our friends will need to rely on it as no doubt it is all they have.

 

Which begs the question... if Citi KNOW that all they have is an application form, unenforcable in law, don't Cabot have a case to go back to Citi to ask what the feck they think they are playing at?

 

But of course, that's totally up to them. Isn't it, my little MIB chums?????

 

:):):)

[Seahorse]

HOHO. If the MIB knew what else was discussed behind the privacy of email, they'd all have feckin heart attacks.

[Seahorse]

Do we know their real names? Some of them, at least...

 

Cabot Employees Having Fun _ cabot

 

Although I'd love to know how The Shaker got his name. Maybe it's cos he ruthlessly SHAKES the cash out of Cabot's "customers' " pockets?

[Seahorse]

Oi, ODC, it's his, so he can "shake" it as fast as he likes.

[Seahorse]

Wot, no band????

[Seahorse]

So long as he doesn't ask any of the girls to blow it for him.

[Seahorse]

Why haven't they got their new address on their letters?

[Seahorse]

OOPS. As usual, I opened my big mouth. Of course, they DO have their new address on that letter. I only saw what I wanted to see. Apologies for the confusion.

 

OK, for the avoidance of said confusion, number 10 is their OLD address.

 

Number 1 (although number 2 might have been more appropriate in a childish pre-school humour sort of way) is now their new abode.

 

So Scarletpimpernel is correct. They have failed to notify Companies House, or it has been so recent that the change hasn't been effected yet.

 

But I'm sure the MIB will see to it that this little oversight is corrected.

[Seahorse]

F.w.t.m.

[Seahorse]

Feck With Their Minds

[Seahorse]

No, that's G T F M Y C