Mr HelzPeanut Vs Moorcroft

[me_n_my_kids]

im sorry for the odd post, but one of our debts was with moorcroft, we sent a cca request to them, and as yet no reply, but deadline is dec 28th. anyway today we received a letter from cabot, saying they now owned the debt. so my partner rang them (his debt) and was told theh debt isnt with them, its with moorcroft still. ummm hello? then why the letter saying its been sent to cabot? im so confused, i dont want another letter in a few days threatening action due to him not getting in contact! anyone had expericance of this?:-?

[Turnaround]

My initial response would be to send CCA request to Cabot as well. This request will form basis of your fight for your rights.

 

In the mean time have a read of the various Cabot threads, I know andrew1 is very keen to assist people with Cabot and has first hand knowledge of them.

 

I’m sure a PM to her will be well received and her advice is respected within CAG

[me_n_my_kids]

Ok, i will have a look through some threads as much as possible tonight and more in the morning. I will also PM Andrew1, any advice is so much welcomed right now, tbh i cuoldnt cope with this alone i dont know what i would do.

 

thanks for the reply and your time

[me_n_my_kids]

I sent them a cca request to which they should default on dec 28th, however i sent the letter recorded, and having checked on the royal mail website, its not yet been delivered and signed for:confused:

 

does the time limit still apply? had i not sent it recorded i would never have known it wasnt delivered yet and would have still applied the time limit.

 

do you think they are purposely not signing for it?

[me_n_my_kids]

have just checked, and littlewoods are the same

 

not sure whether this works for me or against me? all other requests have been received

[Rooster-UK]

When did you send them. Remember that the post is awry over the holiday period.

[me_n_my_kids]

they were posted first class on dec 7th in the morning.

 

does that change the dates i should be working with for those accounts?

[Flagg913]

I sent a letter to HFC Bank via recorderd delivery about a month back asking for a payment arrangment to be accepted, i recieved a phone call saying they could accept and was i setting up one for my beneficial account...

 

The thing is that the letter never showed on the royal mail service has been signed for, it just kept saying it had not been signed and not delivered yet, although HFC said they had recieved and signed for it...

so i think the mistake sometimes lies with the Postal service website and not the DCA,well did in my case.

[stan5131]

I sent a recorded letter (containing £10 in cash) for something I bought on Ebay. This was sent two weeks ago and still hasnt been delivered. I think it is something to do with all the extra casual labour they take on for the Christmas period. I once saw a documentary on TV about this. Someone unscrupulous individuals actually apply for job with the Royal Mail just for the opportunity of pilfering peoples mail.

[Bailiffchaser]

When you send recorded deliveries and signed for mail if it is a bulk deliovery then the reciever will sign for all on one or tow pages. They will have the signature but may not show on the website. If you log a claim with rm you will then get a copy or confirmation of delivery. claim for something like a cd or something.

[me_n_my_kids]

oh right cool, might not be their fault then. do you think i should carry on like normal with my time limits?

[Bailiffchaser]

yes carry on with the normal time limits etc. To put yourself at ease if a recorded delivery does not show after 5 working days then i automatically log a claim on rms website for a missing cd(blank) and get a free confirmation of delivery. You would normally have to pay £5.00 or something.

[me_n_my_kids]

ok, ill do that then. like you said, maybe the sites slow due to xmas. fingers crossed they have it and are getting cheesed off not able to comply

[Bailiffchaser]

The sar i have discovered really legally screws these companies up. regardless of if they reply or donot reply you can screw them up really really badly.

[me_n_my_kids]

thats my next step if a reply is received from moorcroft, next letter will be sar. im still unsure when to send DoA, maybe let the time run out for cca first? not sure, but i still have things i can do to the b******* thanks to this site

[me_n_my_kids]

This account is in my partners name, but i am dealing with it for him as he works long hours, and quite frankly i am better at dealing with these things

 

The account is for an argos card, which went to DCA moorcroft and has been there for probably a year. There have been payments made on the account to them.

 

I sent a CCA to moorcroft to which the time runs out on Dec 28th. We have heard nothing as yet, and according to Royal mail website its not been signed for, but someone in another thread said that might not be the case. so time is still ticking for them.

 

About 3 days ago we got a letter from Cabot, saying they had bought the debt from Argos, my partner rang Cabot, who said that the debt is still with moorcroft. Partner then rang Argos, who say it is with Cabot. The mind boggles completely!!

 

So, im still awaiting the CCA reply from moorcroft, although im not sure now what i would do with it either way. We are sending SAR on Wednesday to Argos to try reclaiming charges there.

 

My question is..... should we send a letter to Cabot saying that the account is in dispute while the SAR and claim for charges is being dealt with, or do we in fact wait to see if a CCA reply comes back before even sending the SAR?

 

Any advice would be fab, im sorry its long and a bit mind boggling, i know my heads messed up now lol

[wulfinuk]

I can give you a easy response to this as I work for Cabot. Argos sold loads of accounts to cabot that were still woth moorcroft and shouldn't have been sold on. you need to carry on dealing with moorcroft and not cabot as cabot told you. you should receive a letter from cabot advising you to remain dealing with cabot.

Hope this helps

wulfin

[me_n_my_kids]

Wulfin, thanks so much for your reply, the last sentance there was id receive a letter advising me to carry on dealing with cabot, was that a typo? its moorcroft i am to deal with is that right?

 

thats great to get it cleared up, thanks again

[PriorityOne]

I would write to Cabot and say that the account has been with Moorcroft for some time, which was confirmed to your husband over the 'phone by them recently. If they have any further quieries, suggest they take them up with Argos themselves. Ask for confirmation for your own records and stick with Moorcroft.

 

If Cabot get stroppy, they can have a CCA request from you as well.

[wulfinuk]

Wulfin, thanks so much for your reply, the last sentance there was id receive a letter advising me to carry on dealing with cabot, was that a typo? its moorcroft i am to deal with is that right?

 

thats great to get it cleared up, thanks again

it was a typo i meant to say to carry on dealing with moorcroft not cabot, what can I say I'm excited about the fact its xmas tomorrow:D

Glad to of been of help

Wulfin

[me_n_my_kids]

priority1, ill try that also, thanks:)

 

merry christmas all

[andrew1]

At some stage I'd check your credit file with Experian, CallCredit and Equifax and make sure Cabot aka Kingshill No1 Ltd has not registered a default when it supposedly bought this debt. Kingshill No1 Ltd have a habit of doing so without reference to the account holder and I would write to Cabot to ask them if this has happened. tbern is going after Kingshill No1 Ltd for precisely this reason.

[me_n_my_kids]

yes, i will do andrew

 

another thing im thinking, was it unlawful for argos to pass the details to cabot? they sold a debt which shouldnt have been sold, so have they commited an offence regarding personal details?

[andrew1]

yes, i will do andrew

 

another thing im thinking, was it unlawful for argos to pass the details to cabot? they sold a debt which shouldnt have been sold, so have they commited an offence regarding personal details?

 

No. They are entitled to sell it if they wish. However, there appears to be issues over the sale according to wulfinuk, so passing your details then also becomes an issue which needs exploring. Moorcroft were just an agent were they not.

 

When a debt is sold you are supposed to be informed by the card co/bank that they have sold the debt and who to. The DCA who buys it are then obliged to ask if your details can be processed which is something DCA's never or rarely do. So there are some questions to be asked. Trouble is that Kinghill No1 Ltd are the people within 'Cabot Group' as they call it ( but doesn't exist as a company) who buy Cabots Debt and it this company who will have passed your details to Cabot Financial (Europe) Ltd who invariably wrote to you. There lies the problem - they have passed your data which breaches the DPA - go get em cowboy !

[me_n_my_kids]

No. They are entitled to sell it if they wish. However, there appears to be issues over the sale according to wulfinuk, so passing your details then also becomes an issue which needs exploring. Moorcroft were just an agent were they not.

 

When a debt is sold you are supposed to be informed by the card co/bank that they have sold the debt and who to. The DCA who buys it are then obliged to ask if your details can be processed which is something DCA's never or rarely do. So there are some questions to be asked. Trouble is that Kinghill No1 Ltd are the people within 'Cabot Group' as they call it ( but doesn't exist as a company) who buy Cabots Debt and it this company who will have passed your details to Cabot Financial (Europe) Ltd who invariably wrote to you. There lies the problem - they have passed your data which breaches the Data Protection Act - go get em cowboy !

 

Go get em cowboy - lmao.

 

maybe you could either here or email me some advice as to where to start, what letters to send etc. maybe wait until i am officially informed the sell was a mistake? sorry im so useless right now, i actually think im in slow labour lol so not with it in the slightest, this is taking my mind off it great though!