Monument, Please Help

[rinkydinkydoo]

Steady with the talk of rubbing people up eh? We're before the watershed!

LOL, we all must be very bored or desperate for some excitement, although where it is on this site i,d like to know

[rinkydinkydoo]

Any ideas

[rinkydinkydoo]

Hi, I thought Id heard the last off these group of idiots, I have just received amletter off monument stating as of the 17th May they have sold the so called debt to Cabot financial, am I wrong in thinking that they cannot do this while it is in dispute. I proeeded to just ignore the loetter for now, then the phone calls started from Cabot, I have had 3 so far, on the third one I have told them I am not willing to pseak to them anymore, they will have to write to me, does anyone have any idea as to what I should do now, do I S.A.R - (Subject Access Request) Monument, or do I not need to as I have already done it with Monument, argggggggggggghhhhhhhhh,

help would be greatly appreciated,

[kennyparkroad]

i would write to Monument and advice them what they have done is against OFT guidelines and therefor you will be making a formal complaint (AND YES ACTUALLY COMPLAIN)

 

I would also write to Cabot and inform them what monument did and if they try to persue you for this debt you will report them to the OFT as well.

 

PS - CCA Cabot

[rinkydinkydoo]

i would write to Monument and advice them what they have done is against OFT guidelines and therefor you will be making a formal complaint (AND YES ACTUALLY COMPLAIN)

 

I would also write to Cabot and inform them what monument did and if they try to persue you for this debt you will report them to the OFT as well.

 

PS - CCA Cabot

I will do, I just cant beleive they think they can get away from doing these things, before I would have felt panicky, but not any more, they just make me cross:-x Lol

[kennyparkroad]

rinkydink

 

you should read

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68316-need-major-help-what-7.html#post889865

 

 

i would be stressed at first, now im very calm when dealing with it.

[rinkydinkydoo]

rinkydink

 

you should read

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68316-need-major-help-what-7.html#post889865

 

 

i would be stressed at first, now im very calm when dealing with it.

Thanks for that I have just subscribed to your thread, I will be avidly watching it and taking advice, good for you,

[rinkydinkydoo]

I have CCA,D Cabot, they have returned my postal order and have said in a letter,

Cabot financial(UK) LTD, formerly Kings Hill (no .1) LTD, part of the Cabot financial group of companies, purchased the account from Barclaycard and therefore cabot is the legal owner.

The rights but not the duties were assigned to cabot in dealing with the account, therefore they are legally entitled to collect.

We will assist you in providing a copy of the agreement OF WHICH MONUMENT COULDNT, BUT please note we are not OBLIGED to as we are not the creditor. In view of the fact we are not the creditopr we are also returning the fee of £1 as this is not applicable.

We will also arrange for a copy of the notice of assisgnment to be forwarded to you, of which I have already been sent previous to this,

This letter constituteswritten notice of the assignment under section 25 of the law property act and therefore we have no need to provide a copy of the assignment deed itself.

 

PLease can someone advise me are they in the wrong, what should I be posting out to them now. ARGHHH I feel I,m going nuts, any help would be greatly appreciated,

Regards, Rinky:D

[alibobsy]

My understanding is that the agreement also contains your permission to share your details with third parties, therefore if monument do not have the agreement they have breached the data protection act by passing your details on to the DCA and I assume they have breached the act by using the information. Might be worth including this in your next replies. If Cabot are not the creditor and do not hold the agreement surely they have no legal right to enforce the debt, their letter doesn't make sense how can you be the owner but not the creditor lol. Sure someone else will be along with more info shortly.

good luck

ali x