Taking Cabot to court for failing to supply HSBC CCA + Distress etc

[Seahorse]

https://addons.mozilla.org/firefox/dictionaries/?lang=en-GB

 

You might need to upgrade to the most recent version of Firefox first though.

 

(Strangely enough, the word Firefox is not in the dictionary )

[tbern123]

Thanks Seahorse....

 

I really appreciate that.. boy do I need it...

[Seahorse]

LOL Ditto

[FANTASY CHARGES]

UK Changes - Consumer Data Cleansing and Suppression Solutions

 

THE WEBSITE "UKCHANGES DOT COM " IS INTO "DATA CLEANSING" ("DATA CLEANSING" IS A TECHNICAL TERM)

 

I QUOTE FROM THEIR WEBSITE

 

"A client in the financial services market wanted to contact existing customers with a range of cross- and up-sell offers but was concerned that the age and degradation of their customer data would make the cost per response too high for the campaigns to be viable.

 

UKChanges worked with the customer to maximise the value of their data, removing wasted effort and resource to deliver clean, accurate, usable records and help the client to achieve its goal of a single customer view and cost-effective outbound campaigns.

[tbern123]

Thank you for that.. I'll have a read of their website later on

[andrew1]

All I will say is " be careful " statements like this are dangerous, remove it from the thread if you have any sense.

[tbern123]

UK Changes - Consumer Data Cleansing and Suppression Solutions

 

THE WEBSITE "UKCHANGES DOT COM " IS INTO DATA CLEANSING

 

I QUOTE FROM THEIR WEBSITE

 

A client in the financial services market wanted to contact existing customers with a range of cross- and up-sell offers but was concerned that the age and degradation of their customer data would make the cost per response too high for the campaigns to be viable.

 

UKChanges worked with the customer to maximise the value of their data, removing wasted effort and resource to deliver clean, accurate, usable records and help the client to achieve its goal of a single customer view and cost-effective outbound campaigns.

 

So where did they get my permission to share my data with these people

[MARTIN3030]

Lets just recognise that this is a public forum and as such comments that are made or posted should be done so very carefully when aimed specifically at individuals.

Some of the comments here appear to be bordering libelous or can certainly invite debate for it.

Whilst I share personally all your passions to bring to book anyone who flouts the law and brings misery to many whilst profiteering...I have to say that we need to voice our opinions carefully here.For this reason I have to edit some of this lot.

I trust you will be more careful and see why this has to be done.

 

Martin

[FANTASY CHARGES]

UK Changes - Consumer Data Cleansing and Suppression Solutions

 

THE WEBSITE "UKCHANGES DOT COM " IS INTO "DATA CLEANSING" ("DATA CLEANSING" IS A TECHNICAL TERM)

 

I QUOTE FROM THEIR WEBSITE

 

"A client in the financial services market wanted to contact existing customers with a range of cross- and up-sell offers but was concerned that the age and degradation of their customer data would make the cost per response too high for the campaigns to be viable.

 

UKChanges worked with the customer to maximise the value of their data, removing wasted effort and resource to deliver clean, accurate, usable records and help the client to achieve its goal of a single customer view and cost-effective outbound campaigns.

 

 

SO DOES IT SEEM LOGICAL THAT "BAD" (INACCURATE) DATA HAD BEEN PASSED TO UKCHANGES.COM ????

[tbern123]

Lets just recognise that this is a public forum and as such comments that are made or posted should be done so very carefully when aimed specifically at individuals.

Some of the comments here appear to be bordering libelous or can certainly invite debate for it.

Whilst I share personally all your passions to bring to book anyone who flouts the law and brings misery to many whilst profiteering...I have to say that we need to voice our opinions carefully here.For this reason I have to edit some of this lot.

I trust you will be more careful and see why this has to be done.

 

Martin

 

Thanks Martin..

 

There has been a some moderator involvement in the last week or so. ranging from deleting supposedly racist posts to editing posts accusing certain people of being up to no good.

 

I am sure they have better things to do then monitor this thread, Today, was at my own request, I asked the moderators to edit this thread.

 

Sitting at your desk behind your computer screen, does not mean you don't need to consider the implications of what you post. Please take the time to read the CAG rules.

 

I know for a fact that CAG and this thread is monitored on a regular basis by both Hodsons and Cabot Financial (Europe) Ltd.

 

Up until the last week or so, this thread has been a good mix of humour and useful information, This is the way I want it to be...

 

Anyway, If you don't like the way I would like this thread to be run, please feel free not to post your comments here and start your own threads.

 

If there are anymore personal attacks made (not including friendly jokes)about any individual, I will ask the moderators to lock or delete this thread.

 

That would be a real shame as a lot of people have worked very hard to get to the stages we are now against Cabot (and I was hoping to get at least over a thousand posts and over twenty thousand views lol).

[tbern123]

SO DOES IT SEEM LOGICAL THAT "BAD" (INACCURATE) DATA HAD BEEN PASSED TO UKCHANGES.COM ????

 

The SAR doesn't specify what has been disclosed to them, it just says that it has.

[debt_mountain]

WOW!!!! As if they'd not given us enough to back them into corners already they pull that "little gem" - amazing how silly they are?

They are atleast not modifying the SAR info to try to hide this stuff, so maybe they are starting to try to go straight, and they are taking our communications as continuous improvement oppertunities

 

I think the us in the cabot fan club should be getting a consultancy fee from Cabot as we are highlighting every failing and legality they need to fix.

 

Tbern, I did tell you you would like the bundle of info.

[debt_mountain]

This is what it says:

 

I adv pp and that stmt of acct needed urgnetly, is one avail? does not look like it otherwise we would have recd by now. will put together a stmt on their headed paper"bos184

I would check if the bank of scotland know and condone this activity in their name. They may have the banks permission, but to stir it up a little more I would definately ask BOS.

[Rhia]

Originally Posted by FANTASY CHARGES

SO DOES IT SEEM LOGICAL THAT "BAD" (INACCURATE) DATA HAD BEEN PASSED TO UKCHANGES.COM ????

Have been out of action a few days so just reading everything. My response is the same as Tbern's does this mean there are some more unknown bodies processing our data? And suspect they won't be the only ones. This issue is assuming mega proportions!!!!

 

And just a line of support to Tbern in urging us all to keep our posts to the point, but with humour. I would not like to see this hard work and essential information source disappear. THE MEN IN BLACK ARE OUT THERE!

[tbern123]

They are atleast not modifying the SAR info to try to hide this stuff, so maybe they are starting to try to go straight, and they are taking our communications as continuous improvement oppertunities

 

I think the us in the cabot fan club should be getting a consultancy fee from Cabot as we are highlighting every failing and legality they need to fix.

 

Tbern, I did tell you you would like the bundle of info.

 

You are so right my friend... It was better then I could have hoped for. Not only has it strengthed my current claim, it has done wonders for my next.

 

I am going to right one last letter, giving the opportunity to settle, then I will start my next claim

[tbern123]

I would check if the bank of scotland know and condone this activity in their name. They may have the banks permission, but to stir it up a little more I would definately ask BOS.

 

My concern, is that even if they do have their permission. If I was to receive something on a Banks headed paper I would automatically assume that his was supplied by the bank.

 

As you know, DCA's are not allowed to send letters that appear to be from a court as these would mislead the public. I wonder if similar rules would apply in this instance.

 

As DCA's do not have direct access to banks computer records, they would be producing statements reporting to be factual using second information.

[tbern123]

And just a line of support to Tbern in urging us all to keep our posts to the point, but with humour. I would not like to see this hard work and essential information source disappear. THE MEN IN BLACK ARE OUT THERE!

 

Welcome back Rhia,

 

Thank you and I am sorry if I have put anyone noses out of joint. You just have to consider the bigger picture. What you say on here can be seen by anyone.

[Seahorse]

By dose idn't out ob joint!!!

[tbern123]

By dose idn't out ob joint!!!

 

lol

[tbern123]

pmhcfc, can you please change your account settings, as I would very much like to respond to the message you sent me. Your account doesn't currently accept private messages and I do not want to further detract from the point of this thread by posting a response to your message.

 

Many Thanks

 

tbern123

[InKogneeToh]

Hi

 

Are any of these on your 'new buddy' list?

 

Past Students

 

Regards, Pam

[tbern123]

Sounds like Cabot might be up to something naughty sharing our data..

I have this response from the Information Commissioners Office. I will spend the weekend getting my evidence together

 

Dear tbern123

 

Thank you for your E mail which I received on the 21st of February 2007. I have noted your additional concerns after making subject access requests to the two companies.

 

It appears that it is Cabot Financial (Europe) Ltd that hold information about you, not Cabot Financial (UK) Ltd, formerly Kings Hill (No1) Ltd. However, you say that Cabot Financial (UK) Ltd has shared information about you with Credit Reference Agencies. Unfortunately, you do not appear to have provided our Office with any factual evidence in order to verify these allegations.

(Evidence will be in my next email to them)

 

Unfortunately, I do not specialise in data controller notification issues. As such, it is not entirely clear which Information Commissioners Office regulations you are referring to when you state that Cabot Financial (Europe) Ltd is the data controller for the entire group. Both companies are registered as data controllers with our Office (Z7064593 & Z5415234) Cabot Financial (UK) Ltd appear to have merely taken on the registration of Kings Hill (No.1) Ltd.

(Wasn't me that said Cabot Financial (Europe) Ltd was the Data Controller for the whole group, it was Mr Spencer of Hodsons)

 

More detailed information on the registration arrangements of these companies can be obtained from our Notification Department:

 

Tel: 08456 30 60 60

 

notification@ico.gsi.gov.uk

 

Alternatively, you can send me evidence that there has been a breach of Information Commissioners Office notification regulations and, if appropriate, I will consult with my colleagues in our Notification Department.

 

I have today, sent this response to the ICO

 

 

 

 

Dear Mr Jones

 

 

Thank you for your Email of 23rd January 2007. Firstly, I would like to take this opportunity to apologise for the previous lack of clarity in my previous emails.

 

I first contacted Cabot Financial (Europe) Limited, following the registration of a default on my Experian credit report. Please find below a copy of this credit report entry.

 

Company name:KINGS HILL (NO 1) LIMITED

Account type:Credit Card / Store Card

Started:04/02/2000

Default Balance:£3,512

Current Balance:£3,895

Defaulted On:21/01/2002

File updated for period to:06/08/2006

 

As I was not aware of this debt, I made a number of complaints to Cabot Financial (Europe) Limited. For the avoidance of doubt, I would like to stress that this is not an attempt to avoid repaying a debt. As following my complaint, my credit file has been corrected and this default has been removed. My concerns are in relation to the unauthorised sharing of my personal data as defined by the Data Protection Act.

 

The reason, I contacted Cabot Financial (Europe) Ltd instead of Cabot Financial (UK) Limited is because I received a letter from them telling me that all correspondence must be addressed to them. Please find below extracts from their initial letter:

 

1. Kings Hill (No.1) Ltd is the legal owner of the account

2. Kings Hill (No.1) Limited is part of the Cabot Financial Group whose accounts are serviced by Cabot Financial (Europe) Limited

3. This letter acts as notice of the assignment of your account to Kings Hill (No.1) Limited and as such should be kept.

4. As the Groups’s servicing company, Cabot Financial (Europe) Limited are entitled to receive payment of the full amount outstanding on behalf of Kings Hill (No.1) limited.

 

As part of my complaint made to Kings Hill (No.1) limited, I was sent a unsigned letter supposedly from Barclaycard. This letter states:

 

"This assignment is effective from 1st November 2004 and is entered into by Barclaycard and Kings Hill (No.1) Limited part of the Cabot Financial Group. All future enquiries and payments concerning this account should be directed to Cabot Financial (Europe) Limited."

 

In summary, I have written confirmation from both Barclaycard and Cabot Financial (Europe) Limited that Kings Hill (No.1) Limited are the owner of this account.

 

In response to my concerns, I received a letter from Cabot Financial (Europe) Limited stating that:

 

"you feel that Cabot Financial is a third party but as advised at the begining of this letter Kings Hill (No.1) Limited is part of the Cabot Financial Group"

 

I was not satisfied with their response, so I referred this matter to yourselves for clarification. You kindly confirmed that if I made a Subject Access Request to each data controller (Kings Hill (No.1) Limited and Cabot Financial (Europe) Limited) I should receive a response from each one, detailing the information they hold about me.

 

Following my request, I received a letter from Hodsons solicitors, acting on behalf of Kings Hill (No.1) Limited (now known as Cabot Financial (UK) Limited). Please find below extracts from this letter.

 

"Cabot Financial (Europe) Limited is contracted to act as an agent for Cabot Financial (UK) Limited (formerly Kings Hill (No.1) Limited). Your subject access request sent to Cabot Financial (UK) Limited was passed to Cabot Financial (Europe) Limited in order to process your request. We are instructed that Cabot Financial (UK) Limited does not hold any data to which your request relates. It will not have escaped your attention that the correspondence you have received from our client was from Cabot Financial (Europe) Limited and not Cabot Financial (UK) Limited or under it former name of Kings Hill (No.1) Limited"

 

"For the avoidance of doubt we are instructed that Cabot Financial (UK) Limited does not hold any data about you. It is Cabot Financial (Europe) Limited that holds data and therefore it will be that company which responds to any subject access requests directed to the Cabot Group."

 

To date I have received no communication directly from Cabot Financial (UK) Limited. All correspondence has been sent via Cabot Financial (Europe) Limited or in the previous instance Hodsons Solicitors.

 

Following receipt of the information requested in my subject access request, I was disturbed to learn that Cabot Financial (Europe) Limited state they have shared my personal data with:

 

Hodsons Solicitors

Credit Reference Bureaux Experian

Equifax

Call Credit

UK Changes

 

This has been without my knowledge or my consent and would reinforce that they are acting as a Data Controller and not as a Data Processor.

 

It has previously confirmed on numerous occasions that Kings Hill (No.1) Limited are the legal owner of the account, yet they have confirmed that they hold no information about me.

 

Some how all my personal data as been passed to a different Data Controller. This admission, would prevent them from stating that Kings Hill (No.1) Limited is the Data Controller and Cabot Financial (Europe) Limited is the Data Processor.

 

Furthermore, I can confirm that I have never received a Fair Processing Notice (as detailed on your website) from Cabot Financial (Europe) Limted and there was not a copy if this notification, within the response to my subject access request.

 

Please find below a list of my concerns.

 

1) My personal data was disclosed to Cabot Financial (Europe) Limited by Kings Hill (No,1) Limited without my knowledge or my consent.

 

2) Cabot Financial (UK) Limited, do not hold any information about me, so they are unable to claim, they are the Data Controller and that Cabot Financial (Europe) Limited is only a Data Processor.

 

3) They have attempted to justify the breach of my rights, as they are both part of Cabot Financial Group. However, as confirmed by Companies House, Cabot Financial Group Company No. 05754978 did not exist until March 2006.

 

4) In their correspondence, they confirm that Cabot Financial (Europe) Limited is the Data Controller for the entire Cabot Financial Group. However, your notification regulations state:

The Part 1 Form

3.1.1 Data controller name

Groups of companies

- Groups of companies cannot submit a single notification. Individual companies who are data controllers must notify separately.

 

I would ask the Information Commissioners Office to review my concerns. If required I can provide you with copies of the correspondence I have referred to in this letter. I would like to thank you for your time and assistance in relation to this matter.

 

Regards

 

 

Mr tbern123

[NailPost]

If Mr KM appears to be taking such a close interest in the complaint why hasn't he stepped in and stopped it? He's a big cheese in the debt industry and what is emerging doesn't paint him and his company(plural) in a very good light at all.

[debt_mountain]

I am just finalising my questions for Wednesday (did I mention I was in court with Cabot (2 sleeps)), anyway does anyone have anything they want me to try to get an answer too while I have a Judge to question?

[ODC]

I am just finalising my questions for Wednesday (did I mention I was in court with Cabot (2 sleeps)), anyway does anyone have anything they want me to try to get an answer too while I have a Judge to question?

Its a pity you could not find out exactly what Crapot paid to buy the debt.