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

[tbern123]

 

I have just tried to email my POC to Cabot, as I thought this was only fair....

 

[email protected], no longer accepts emails from my email address...

 

Isn't it lucky, I have more then one email address lol

[tbern123]

 

I have just tried to email my POC to Cabot, as I thought this was only fair....

 

[email protected], no longer accepts emails from my email address...

 

Isn't it lucky, I have more then one email address lol

 

One of my yahoo addresses has also been blocked.....

[Rhia]

Tbern you are being far too nice with them. Go for the jugular. Yes they did a check on my Experian report too. I didn't report at the time but will do.

[tbern123]

One of my yahoo addresses has also been blocked.....

 

And my other email address.. You would think that they don't want to read my emails:grin:

[tbern123]

Tbern you are being far too nice with them. Go for the jugular. Yes they did a check on my Experian report too. I didn't report at the time but will do.

 

 

I know, I just don't want them to be able to turn around and say that I did not keep them informed

[FANTASY CHARGES]

 

I have just tried to email my POC to Cabot, as I thought this was only fair....

 

[email protected], no longer accepts emails from my email address...

 

Isn't it lucky, I have more then one email address lol

 

be professional and do a screenprint of the response ........

 

 

for "location location location" read "insurance insurance insurance " !!!

[Rhia]

Start up a new email address Tbern it's easy enough. So they object to a few emails do they?

Have they any notion what it's like to be harrassed by phone 24/7 or to be bombarded by their stupid letters. My goodness boot on other foot or what????

[Seahorse]

See if it's a server thing or banned just on that address... see if old Willem's address will let you in.

 

He is Head of Compliance after all, as well as Assistant Legal Counsel.

[tbern123]

Williem is one of the people I tried to email, it came back saying sender address rejected...

 

But I have a cunning plan lol

 

I will reveal all tonight !!!!

[elizabeth1]

Tbern you are being far too nice with them. Go for the jugular. Yes they did a check on my Experian report too. I didn't report at the time but will do.

 

 

They checked my experian report too TWICE on the same day (I reckon cause they chasing tow debts in one claim??)

 

ALSO - they checked Land Registry too!!!! Naughty Naughty??

 

Does anyone happen to have the sections to quote that says they ought not be doing this - so that I can quote this on my POC's this week??

[tbern123]

Start up a new email address Tbern it's easy enough. So they object to a few emails do they?

Have they any notion what it's like to be harrassed by phone 24/7 or to be bombarded by their stupid letters. My goodness boot on other foot or what????

 

As I don't live far away and I was not having any joy with my emails, I thought I would go and deliver the letter myself.

 

Well, I had a completly wasted trip.. What kind of companies head office, doesn't have a mail box ?????

 

Not a very impressive building.. They are building new offices done the road from their current location.. So I came home and faxed it to them....

 

So I have filed my POC with the Court, Served them to Cabot, so now the ball is in their court

[Seahorse]

As I don't live far away and I was not having any joy with my emails, I thought I would go and deliver the letter myself.

 

Within commuting distance, eh? You could apply for a job.

 

Nice one, though. Can't wait to hear the outcome.

[tbern123]

Within commuting distance, eh? You could apply for a job.

 

Nice one, though. Can't wait to hear the outcome.

 

 

lol, very true... Only took about 20 minutes to get there..... As it is one huge trading estate though, there isn't much to do at lunch times

[tbern123]

Nearly forgot...

 

The judge has given them until 9th April 2007 to come up with a defence... So it will give me some time to work on my second claim for the default that was on my credit file in relation to a inproperly executed Barclaycard agreement.

[Seahorse]

You should try my job... stuck in the middle of the sea, and not a Subway or Starbucks in sight.

[tbern123]

You should try my job... stuck in the middle of the sea, and not a Subway or Starbucks in sight.

 

No thanks,,, I have enough grief in my job... the general public are all swines !!!!

[Seahorse]

No thanks,,, I have enough grief in my job... the general public are all swines !!!!

 

The voice of experience.

[elizabeth1]

As I don't live far away and I was not having any joy with my emails, I thought I would go and deliver the letter myself.

 

Well, I had a completly wasted trip.. What kind of companies head office, doesn't have a mail box ?????

 

Not a very impressive building.. They are building new offices done the road from their current location.. So I came home and faxed it to them....

 

So I have filed my POC with the Court, Served them to Cabot, so now the ball is in their court

 

 

THIS MADE ME LAUGH

 

ME WONDERS WHY - THEY HAVE NO LETTER BOX

 

that is funny!! I reckon they don't mean us to communicate with them eh?

[FANTASY CHARGES]

You should try my job... stuck in the middle of the sea, and not a Subway or Starbucks in sight.

 

what are you a "BUOY" ?? :D i've heard about you and chains

[Dave777]

Sorry to gatecrash, but if a company are unable to produce an executed credit agreement, then they shouldn't have been recording data with CRAs??

Is this always true?

[InKogneeToh]

Thanks Pam,

 

 

Really appreciate your help.... I would click your scales, but I did that yesterday and it won't let me do it again yet lol

 

Thank you for the last click anyway - much appreciated.

 

Regards, Pam

[Seahorse]

Sorry to gatecrash, but if a company are unable to produce an executed credit agreement, then they shouldn't have been recording data with CRAs??

Is this always true?

 

Well, they would have you believe otherwise, and point to where it says they can do it without your consent in the DAP, (Section 2, para 6 I think it is). BUT that only applies if what they have about you is correct. And no agreement, means no consent, means no proof of debt, then no right to process data at all, INCLUDING PASSING ON YOUR ALLEGED "BLACK" DATA TO CRA's. IMHO.

 

Just read something interesting. Our Ken thinks debt purchasing companies should have access to our "white data". ie he thinks he should be allowed to see beforehand your "good" credit history as a right. I suppose he also assumes he has the right anyway to go trawling through your "bad" history by doing unauthorised searches of your credit files. (See tBern's post above). No doubt, he has a good reason for this ready to justify things, but I personally just think it's so he can cherry pick his portfolios. Maybe I'm wrong.

[pmhcfc]

Well, they would have you believe otherwise, and point to where it says they can do it without your consent in the DAP, (Section 2, para 6 I think it is). BUT that only applies if what they have about you is correct. And no agreement, means no consent, means no proof of debt, then no right to process data at all, INCLUDING PASSING ON YOUR ALLEGED "BLACK" DATA TO CRA's. IMHO.

 

Just read something interesting. Our Ken thinks debt purchasing companies should have access to our "white data". ie he thinks he should be allowed to see beforehand your "good" credit history as a right. I suppose he also assumes he has the right anyway to go trawling through your "bad" history by doing unauthorised searches of your credit files. (See tBern's post above). No doubt, he has a good reason for this ready to justify things, but I personally just think it's so he can cherry pick his portfolios. Maybe I'm wrong.

 

I think I posted something about this 'White Data' subject some weeks ago, I came across it during some of my research**. I believe I'm right in saying that our Ken has been campaigning for this for quite some time- to be allowed access to our 'white data'. A member of his staff even gave a lecture about it at a conference last year. I'm not sure if he's been successful in his campaign, I'll see if I can find out...**ahha, there it is...post 864 on this thread...Open all the attached files once you're in there.

[Seahorse]

So you did, P. So you did. It's difficult to remember what's been said earlier on threads this big, isn't it? So what you're saying is, I've just wasted hours of research that you've already done, eh?

[elizabeth1]

Well, they would have you believe otherwise, and point to where it says they can do it without your consent in the DAP, (Section 2, para 6 I think it is). BUT that only applies if what they have about you is correct. And no agreement, means no consent, means no proof of debt, then no right to process data at all, INCLUDING PASSING ON YOUR ALLEGED "BLACK" DATA TO CRA's. IMHO.

 

Just read something interesting. Our Ken thinks debt purchasing companies should have access to our "white data". ie he thinks he should be allowed to see beforehand your "good" credit history as a right. I suppose he also assumes he has the right anyway to go trawling through your "bad" history by doing unauthorised searches of your credit files. (See tBern's post above). No doubt, he has a good reason for this ready to justify things, but I personally just think it's so he can cherry pick his portfolios. Maybe I'm wrong.

 

 

Our Ken - seems to think he can do all these searches to include the Land Registry etc.. whilst having no formal docs to even prove these debts etc.. Me thinks he needs to be careful where he is treading!!!