Information on Cabot

[andrew1]

Full of ingenuity with a name like KMC Towers - who's he think he's fooling?

 

I'd like to believe there's a serious side to the questions being asked though.

 

Might it be that there is some interest in the fact the Cabot Fan Club are beginning to make their presence felt?

 

Letters certainly have been sent to DCA's from the Fan Club to my knowledge so there is credibility in his/her post.

 

I think for the avoidance of any doubt the Debt Collection Industry should be aware that the Cabot Fan Club will not be restricted to Cabot alone. If you want to know what the ' mandate ' is I'm afraid you'll have to sit back and wait, but suffice it to say, and I have said it in many, many posts going back 9 months or more that my personal objective is to clean up this industry from the coalface to the surface and as long as the management of these companies continue to instruct their staff to flout the laws of the land, continue to mis-train, abuse debtors rights ( whether accompanied by the duties or not ) fail to allow humility and respect at a time when people are often in dire circumstances, harass when the laws state they cannot, have no documentation to support the alleged debt they chase, continue to buy old debt and harass when the account is statute barred, then they will be visited by the likes of The Cabot Fan Club and ALL the DCA's with debtors accounts that raise their heads on this forum or in a whole range of other forums, will find themselves deluged with CCA requests, S.A.R - (Subject Access Request)/Data Protection Act requests, Letters to respond to from Information Commissioners, Trading Standards followed by legal challenges to bring them into line. This will be done by providing the debtor with the tools to do it, a simple DIY and all the backup they need. I will also be looking for these bloodsucking organisations to put something back into the communities from which they survive, such as sizable donations to Debt Charities who struggle to help so many in debt for one. ( I spoke to a charity yesterday who had, through her knowledge, saved a person over £87,000 because of a mis-sold product and where the debtor had had his house repossessed. She did it for free, she got nothing in return as this debtor was on his knees having lost house, wife and family (not in that order!) over debt and non should have happened but for the aggressiveness of Debt Collectors).

 

I RESPECT the fact that sadly the Debt Collection business is going to be with us and that they have a responsible and necessary job to do. ALL I want is for them, like any other business or service TO ABIDE BY THE LAW

 

Can someone send me an application form to join this Fan Club? Do I qualify?

 

KMC Towers, I hope this gives you an insight? Not a mandate but a jist of what is to come and if you are working for a DCA and are in touch in some way or another with the CSA of which Herr Maynard presides and the inner circles of the Credit/Debt collection industry may I suggest you spread the word because if you don't see the Cabot Fan Club over the right shoulder, it will sure as hell be over the left...

 

 

Sarah

 

PS. Seahorse - it wasn't me - honest!

[andrew1]

Just for the confused 'Andrew' is the name of my Dog

 

Sarah xx

[andrew1]

Subscribing.

 

Good to have you on board Rory but to subscribe just hit the ' Thread Tools' button at the top of the posts and click ' Subscribe to this thread' - otherwise the threads will have hundreds of these 'subscribing posts all over them.

 

Sarah

[andrew1]

Newsflash:

I read with interest that there's a possibility that Cabot may be using (or may be intending to use) 'Lie detection software' when on the phone to customers.. Check this report out on this link > Cautious tone on lie detector software - vnunet.com If you do ever speak to Cabot on the phone, make sure they know you're aware of the RIPA 2000

 

RIPA 2000 as in RIPPA OFF CONSUMERS EH?

[andrew1]

Bloody hell, I get up at some unearthly time in the morning to mosey about the forum and this is the first time I have ever found this thread on Cabot and it's already 80 odd posts long :o Why didn't someone tell me? Am I being excluded from the Fan Club? Are you open to donations - Can I play too? Wahoooo! here I come :D

[andrew1]

Cabot's 'Spanish' company

 

Debt recovery with quality and commitment

 

Oh come on you're boring me - lets post something useful shall we? All this professionalism is getting to me. Once signor Maynard is out there its gonna go belly up anyway.

 

What shall we put? a few sales agreements perhaps, an Irish MBNA DOA? A few blogs of their staff - a few names perhaps - lets spice it up a bit... who's next?

 

What about the fact that the Debt Buyers and Sellers Group have a member who never buy or sell debt amongst them :o - who? Cabot Financial (Europe) Ltd and who is the chief exec at DBSG at present ? Ah, Kenny Maynard himself..credit controller extrordinaire.

[andrew1]

Two things here pmhcfc, First is I owe the man an apology - I almost can't bring myself to do it, but being the principled old dear I am - here it comes:

 

1st) Mr Maynard I said you never give to Charity cos it says so in your accounts that £0 went to charity. So I take it back, Helen Rollason was a great gal. Good to see you doing some good for once. There's a few debt counselling charities that could also do with some, but I take this as a good start.

 

2nd) Why the feck do you have to spoil it by promoting the low life company Cabot is by using this photocall to promote Cabot, its expansion and all the dross and misery your company generates for the 'customers' by making it sound glamorous and like it's a useful company like manufacturing that is expanding and doing something for the community? Don't you see stress is the biggest cause of Cancer this country has and Cabot are causing more stress and misery than any other dca out there?

[andrew1]

Hallo playmates !

 

 

Looky here what I found in Spain.... Burbuja Inmobiliaria - Burbuja Inmobiliaria Signor Maynard keep looking over your left shoulder and the CABOT FAN CLUB willa bea over your righta

[andrew1]

Fire F.I.R.E or fire . Call it who you will , it's still Cabot ..

 

FIRE - About FIRE

 

I take it you are referring to Financial Investigations and Recoveries (Europe)Limited pmhcfc. You mean those who don't show any staff wages in their accounts like the other Cabot Financial(UK)Ltd so obviously another day trip for Messrs Maynard Crawford & Randall to travel and do all the work all the way up to Rugby is it? You had better get up there you three and make sure it's running in order cos the Fan Clubs gonna be all over it like a rash

[andrew1]

Cheeky feckers don't even answer the phone with "Hello FIRE, how can I help" .. They just ask you for your reference number immediately.. Hmmm, if they are registered as dormant, and they have no staff working for them, how can they answer the phone number given to call them ?

 

Does this need reporting to companies house ?

 

No....they are not Dormant...they do lots and lots of work and their accounts show that, it just says they don't have any paid staff so poor ole Deano got no-one to talk to until the three Muskateers arrive

 

We are finding all sorts of people who have had their Data passed by a certain company to F.I.R.E. and the Information Commissioner is going to be sooooooo pleased with us for letting him know. :p

[andrew1]

Ok, Ok - I admit to being bored - but for anyone that wants a laugh on a dismal rainy (what seems like November) day read the following quotes from KM :

 

 

Ken Maynard, Managing Director of Cabot Financial, a market leader in debt Purchase and management and a member of the CSA comments,

 

"Cabot has adopted a unique approach called Polite Persistence. The foundation of this approach is to build a positive and trusting relationship with the customer. The other key element in all collections activity is the safeguarding of the original lender's reputation. Cabot's approach is therefore relationship rather than transactional driven."

 

Mr Maynard continues, "At Cabot, we pride ourselves in treating cardholders and borrowers as customers and manage them with respect while trying to negotiate a payment plan that is effectively adhered to and is realistic".

 

"We achieve excellent productivity through a combination of quality information systems and collection procedures together with a highly trained and motivated team. We use state-of-the-art call centre technology and have a sophisticated IT functionality. (Like lie detection software Ken?)

 

 

Okay we all have a laugh at Kens expense don't we? - It's pretty unfair isn't it? OR IS IT????

 

You see the devil with Cabot is in the detail and they just don't really know their own business do they?

 

Kenny baby doesn't lend money to people in debt because that's just not moral or within the spirit of all those lovely laws set up especially for him and his troupe of monkeys.

 

BORROWERS Mr Maynard - WHAT BORROWERS ? you're the pioneers of debt purchase and Management aren't you? and.... I'll keep you waiting for this one....????

[andrew1]

Let's buy the man a Dictionary and educate him shall we?

 

Soon be Christmas won't it? Let's have a CFC collection and buy the man a present - sure looks like he needs help doesn't it?

 

 

 

soon be another celebration day - won't it Mr Maynard:p far too long waiting for Christmas... me thinks he might get bodyguards....

 

Sarah xx hugs and kisses coming in your card.... Shall we all send him one on the 10th September ? " Happy birthday to you" !

[andrew1]

Keep posting on the Spanish site - let them know what we think of their UK partners Gabinete Técnico Contencioso GESCOBRO, S. L. / CABOT - Burbuja Inmobiliaria

[andrew1]

And there was me thinking that the staff were of such high quality that they always recruited from within....I guess not then

 

CV-library.co.uk - UK jobs, Careers, Recruitment

 

You notice that this young lady has made the following prominent statement

"Chase Credit is acting as an Employment Business in relation to this vacancy" in her advert - very informative it is too...

 

Well, it would need a member of the infamous Cabot Fan Club to know ( of course we know, we are VERY CLEVER! ) that these kind of statements are not so much 'unlawful' but in typical Cabot style ( maybe she worked for them and was trained by them once) WRONG ! any fool knows that in recruitment terms a recruitment 'BUSINESS' means temporary staff recruitment and 'AGENCY' is Permanent recruitment - of course, you all knew that anyway - who's going to call up the lovely Sarah Chamberlain and tell her - ( and she is lovely I'm told ) Watch out Mr Maynard - we even know your suppliers of duff staff !) and even they don't know if you seek temporary staff or permanent, but with a 21% staff turnover I suppose you could call them temps couldn't you ? :D

[andrew1]

Sarah, sometimes I think you are further up the chain in that recruitment agency than you let on. And if you are not, you bloomin well should be. Go tell the boss I said so. AND that you deserve a pay rise.

 

I was in a high street secretarial agency for about 6 weeks about 15 yrs ago and hated it - too many ego trippers and people getting business in ways I was not prepared to go down. The blokes thought we were just in it for the 'extras'.

 

I have since met some very professional people in agencies, but it's not for me, I'll stick to more conventional admin role if you don't mind and looking after my kids! - I'm just like an elephant though - I don't forget. The way I knew was because we were always taught temps were business - 'monkey business' and we always used to laugh about it.

[andrew1]

Judging by your avatar, you most certainly are.....

 

No offence meant... I'm sure in real life you are far different from your cartoon caricature. Probably don't run around with a heart shaped box in your hand, for one thing

 

Oh, dear. I'm just digging myself in deeper here. Sorry Sarah.

 

Just watch it matey, I've got some very influential friends you know

[andrew1]

No, No, No pmhcfc you got it all wrong. Ken Maynard GIVES all the prizes from Cabot (that he probably picked up in someones bankruptcy auction package ) didn't you know what a generous gentleman he is?

[andrew1]

[andrew1]

I don't see the harm in it, Just the trading ones yes - why the feck not? People need to begin the onslaught of CCA and SAR requests to the right companies and understand what they have to do so yes roll em out my friend.

 

 

Sarah

[andrew1]

If you send an application to Cabot for a Subject Access Request under the Data Protection Act, you will invariably be sent 'Templates' of letters with dates added at the top of the page by hand stating that the system is automated and these are 'copies' of what you were sent...They are NOT copies at all, just system generated clones without any of your name,dates, account details or address. Well take a look at this little gem from TideTurner (Tides quote in blue - thank you Tide - magnificent as ever!):

 

"Where you have received a document which has blanks, you are entitled to make an application under Part 18 of the Civil Procedure Rules for a full copy of the document and Part 31.9 provides

 

31.9 (1) A party need not disclose more than one copy of a document.

 

(2) A copy of a document that contains a modification, obliteration or other marking or feature –

 

(a)on which a party intends to rely; or

 

(b)which adversely affects his own case or another party’s case or supports another party’s case;

 

shall be treated as a separate document.

 

(Rule 31.4 sets out the meaning of a copy of a document)

 

31.4 In this Part --'document' means anything in which information of any description is recorded; and

 

'copy', in relation to a document, means anything onto which information recorded in the document has been copied, by whatever means and whether directly or indirectly.

 

You can therefore make an application for a full copy of any document which has been altered, amended or has in part been obliterated.

 

Tide"

 

 

So there you have it - TRUE COPIES Please Kenny me ole mate!

 

(I'm enjoying this too much - gotta get a life!)

 

 

Sarah

[andrew1]

See pmhcfc, if you were a woman you'd have more patience....men !

 

 

 

 

Sarah xx

[andrew1]

Well, our 'Bernie' is a Bernadette no less so, be nice to the ladies boys - and something of an Aardvark I believe

 

 

Sarah xx

[andrew1]

Well there's a Bernadette living in some dead 'n a live hole called West Malling sounds like a place in outer space where another alien called Maynard hangs out - coincidence?

[andrew1]

They've turned to MIB's at home no doubt or maybe they don't see you as any kind of big deal anymore - frightened for a week or so, now gone away. Lets spice them up again shall we?

[andrew1]

So there's no good reason why recordings or full transcripts of phone calls wouldn't be available in a Subject Access Request.

 

The general correspondence to DCA's has been to get them to supply a copy of the Original agreement which 99% of them do not have. This has enabled people to challenge the fact that the DCA had the right to chase them in the first place. It has not been traditional to ask for or send a Subject Access Request under the Data Protection Act and this has been saved for the Original Creditor, mainly because of their charges and calculating, getting copy statements and reclaiming their charges.

 

However, the more and more we uncover about the DCA's and their scurrilous ways I believe it to be even more important to get the Subject Access Request out to them so that the details, as you rightly point out, of these telephone conversations. I personally have been told by Wescot staff on a Saturday morning that a bailiff would be sent around on Monday if I didn't pay there and then over the telephone. Fortunately I knew that was illegal and impossible without a County court Judgement, but how many do? If I had recorded that conversation at the time I would have thrown the book at him. His Director had a few words with him after I'd finished complaining though.

 

I would second your advice, I would suggest getting the S.A.R - (Subject Access Request) off to both Original Creditor and the DCA along with one to the Credit Reference Bureau too. It may cost you £10 a time and deliver a few hundred sheets of paper, but believe me there will be all the ammunition you require to slam these dca's behind bars where many of them belong.