Baines & Ernst now CCCS - many debts

[spuddly]

recieved this in the post today

 

 

first attempt blurred posted again..

[spuddly]

hmmmm..!! loosks like more fuel for my chimenia.

well i was expecting my first letter from citi to be a copy of the T&C at least with this letter?

also i was told on the phone a few weeks ago that they DID have a copy of my agreement and it was on its way ...So is christmas love:p .

spuddly:)

[spuddly]

what do you think to this next reply from CITI.......

 

 

 

 

 

 

looks to me like cabot are in for a rough time!!

[spuddly]

ok, here is there response to a complaint i made to Crapbot

 

comments....plz

[spuddly]

thank you.... i was trying to find out yesterday as to when citicards bought associates

[spuddly]

[quote=make them aktiv runners;

 

This suggests that the assignment was Equitable and Citicards retained the "duties". In spuddlys case it begs the question of the postmark on Citicards envelope.

 

Could you please explain what you mean as reguards the postmark

spuddly:-)

[spuddly]

Thank you very much for your comments .

 

i have been looking back and i believe the letter i sent cabot at (post 12) is even more relevant now.

 

also who would i send my letter to to get the default removed seeing as they never bothered to send me notification at the time!

Kings hill/ cabot??

[spuddly]

you are so helpful many thanks..

would you agree to my suggestion that the letter sent earlier was relevant and make an issue about the default removal.?

[spuddly]

blooming tinternet went off apoligies for the delay..

[spuddly]

At the very beginning of all this all i wanted was the company who i was payig each month on my DMP ,just to prove to me they had a legal right to collect payments from this account....

 

CABOT FINANCIAL (EUROPE)LTD CANNOT PROVE THEY HAVE A LEGAL CLAIM

 

 

require the following action from Cabot :

 

1. All payments made to date to Cabot for this account should be refunded in full, including interest at the rate of 8% per annum.

 

2. Removal of all defaults entered by Cabot. Note this is to be a complete deletion and not merely an amendment.

 

3. I look forward to compensation under Section 13 of the Data Protection Act 1998 to be offered for the processing of my data in the manner it has been done over the past number of years.

 

4. After a full refund of all payments with interest and compensation are received by myself, you will be required under Section 10 and Section 12 of the Data Protection Act 1998 to cease and desist all manual and automatic processing of my data within your company and any other company within your group.

 

 

 

 

 

should i use the small claims pack and the n1 now??

Any suggestions please.

spuddly:)

[spuddly]

Ok thanks.. amended the post .

[spuddly]

Just thought i would post my next communication i am sending .

 

Cabot financial (Europe) ltd

PO Box No 241

West mailing

Kent

ME19 4NA

COMPLAINT

Dear Sir or Madam

Re

Despite numerous requests to Cabot financial (UK)/ The Associates, I made a formal request for a copy of the signed, executed credit agreement for the above account under Section 77(1) and Section 78(1) of the Consumer Credit Act 1974 and a true signed copy of the Deed of Assignment has not been complied with.

 

Further, I do not acknowledge any debt to Cabot/citicards.

 

Regarding the original reply 26/03/07 I was told it would be 21 days but could take 8-10 weeks to retrieve the information required from archives it has now been 19 weeks and still no credit agreement or deeds of assignment.

 

On the 27/06/07 I received a phone call from CITICARDS, to say I was surprised is an understatement as I had no idea who they were? I was informed that they had bought The Associates a few years earlier and why was I asking for a copy of the agreement, I explained my reasons why and was told that the agreement still exists and it would take a further 2-3 weeks to retrieve from archives in the meantime I would be sent a copy of the terms and conditions within the next few days, it has now been 6 weeks and I have not received anything.

 

May I point out that at no time was I informed of CITICARDS purchasing The Associates and therefore my account with The Associates had been transferred to CITICARDS ownership? I believe I should have been notified at the time by letter from both parties involved of my account transfer, I have received no such letters (Deeds of Assignment) I believe that my DATA has been shared without my knowledge or consent under the DATA protection act 1998, which I intend to report to the information commissioner’s office. I sought further advice from trading standards and they contacted citicards and spoke to Joanne who confirmed I was the account holder before she would discuss the account with T/S officer Joanne told T/S that they have the letter that I sent requesting the CCA but don’t know where the £1 cheque is that I sent with the letter.

And it will take them a further 2 weeks whilst they find my CCA as they have to send a request internally, two weeks have passed and still nothing.

 

I have been back to Trading standards and been advised to report the matter to FSA.

 

In my personal opinion and after dealing with other creditors who have been able to produce all the relevant Credit agreements within the allotted timeframe I feel that the whole procedure in dealing with Cabot/ Citicards has been a long and unnecessary process that should have been resolved within the 8-10 weeks as promised in the original letter.

 

To resolve this complaint

 

1. I would like a true copy of my Credit agreement

2. I would like a true copy of the Deed of Assignment

 

If these cannot be produced

 

1. The account closing

2. A zero balance

3. Removal of all defaults entered by Cabot/kings hill no1 /The associates also including citicards. Note this is to be a complete deletion and not merely an amendment

4. Also you will be required under Section 10 and Section 12 of the Data Protection Act 1998 to cease and desist all manual and automatic processing of my data within your company and any other company within your group.

 

 

 

After all that has happened in the past few days and upon recieving a "GET OUT OF JAIL FREE CARD" from citicards would i be within my legal rights to add refund of all monies paid to Cabot financial(eurpoe)ltd.

[spuddly]

your support is uplifting

 

Thank you :D

spuddly;)

[spuddly]

Hey CAG ers... please ...sod the Crapbot lot i am after making this christmas bash 3 bottles of pomagne and a packet of 12 sticky buns

for the lot of em...

[spuddly]

cabot have replied again

 

 

 

looks like ill have to send them the address for citicards!!!

[spuddly]

apoligies for the delay in showing this but Cabot are unbelievable

 

[spuddly]

another one of my creditors ,paragon sent me a nice letter on page three i read this...

 

[spuddly]

yep your right it does feel good

however there is one that still evades me and I hope to resolve before long .....

[spuddly]

well guys Cabot have been delivering me some updates

 

spuddly:rolleyes:

[spuddly]

yeh your'e right brassed off, and whilst I send them another letter maybe i should send them the letter citicards sent

[spuddly]

well i have a letter from citicards on the 15th august and i am wondering if they have cabots address because as i see it they should have recieved one as well...!!!

[spuddly]

etc..etc...etc.. another droning letter from the cabot cowshed maybe this one will be the last for 6 years!!!

 

[spuddly]

 

there wont be any credit agreement cant they see this...!!! I have already shown them the letter on here??

If I have had a letter from citicards about this account then cabot would have also ??

I need to do something about this and soon .

Please CAGER's any advice would be helpfull at this time as i think they are being... unhelpfull .

[spuddly]

why oh why dont cabot mention citicards in any of thier letters !!!

are they contacting the same company as me ?

[spuddly]

just found this on my credit report what about all the 'D' s Cabot must be mad with me?