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

[elizabeth1]

EXCELLENT POST

 

The worm has turned. Dot your I's and cross your T's.

 

 

The more people who tape these calls and retain them for evidence the better. The threatenting, abusive, bullying and sometimes illegal behaviour of DCA call centres would make great news in the tabloids and the courts would have a field day. Maybe then when some of them have their licences revoked and their cash cows (sorry call centres) closed will they learn to deal with debtors in a fair manner

 

It seems FAIR isn't a word in the vocabulary of this company? Now what these guys seem to be "beefing" about is the fact that we are challenging their miserable ways.

We aren't going anywhere - least of all corners!!!

 

We are opening our eyes and mouths and asking questions - we aren't getting sensible answers in reply at all. What we are being met with is the sheer arrogance from a bunch of bullies who live to intimnidate and scare people for their own profits!! What they have been doing is very wrong and nasty and they ought to be ashamed of themselves!!

 

These companies have abused people for many years by all of their methods of intimidation - SEEMS like they don't like being challenged?? Things are getting a little HOT for them? Their days of continued bullying of people are nearly done with.

 

More than one way to skin a Rabbit? They'd better believe it cause things will evolve and they will meet their match :grin: :grin: :grin:

[pmhcfc]

EXCELLENT POST

 

The worm has turned. Dot your I's and cross your T's.

 

 

The more people who tape these calls and retain them for evidence the better. The threatenting, abusive, bullying and sometimes illegal behaviour of DCA call centres would make great news in the tabloids and the courts would have a field day. Maybe then when some of them have their licences revoked and their cash cows (sorry call centres) closed will they learn to deal with debtors in a fair manner

 

I was 'warned off' from going to the press a week or so ago..Well,I say warned off, was more like advised not to (yet)...Hmmmm..Who am I to listen to anybody? lol...I'll contact my contact in the field and see what his advice is.

Not to forget that this really is David V Goliath..Cabot is owned by a multi-billion ponund (yen - dollar - whatever) company. They don't go down without a fight...Who's dressed for battle?

[Seahorse]

Thanks Andrew1... I was sitting there thinking, how did seahorse get that from Experian....... lol

 

No, you've still not got it.... yes, I suppose you can get seahorse out of that, but it is a DESCRIPTIVE word. To describe the mood at the time of what I was feeling about the character of the collective that is Experian, based on their response.

 

OK, I'll make it easy for you and rearrange the last 5 letters, leaving you to juggle just 4 letters.

 

***HOLES. (There's only R - A - S and E to mix now to add to the front of the word.)

[andrew1]

No, you've still not got it.... yes, I suppose you can get seahorse out of that, but it is a DESCRIPTIVE word. To describe the mood at the time of what I was feeling about the character of the collective that is Experian, based on their response.

 

OK, I'll make it easy for you and rearrange the last 5 letters, leaving you to juggle just 4 letters.

 

***HOLES. (There's only R - A - S and E to mix now to add to the front of the word.)

 

 

**** Holes - Seahorse - when you're in one you have to stop digging !!!! :D

[ODC]

I was 'warned off' from going to the press a week or so ago..Well,I say warned off, was more like advised not to (yet)...Hmmmm..Who am I to listen to anybody? lol...I'll contact my contact in the field and see what his advice is.

Not to forget that this really is David V Goliath..Cabot is owned by a multi-billion ponund (yen - dollar - whatever) company. They don't go down without a fight...Who's dressed for battle?

Surely its not beyond our tabloids to expose the bullying that goes on by these companies. Theyve manage to expose racism in the police. How hard could it be to get a job as a professional:rolleyes: with some of the less reputable DCAs and learn how they are taught. How hard would it be for a member of the press to contact 0870 ******** urgently and quote reference number ******** and listen to the torrid of abuse that most or not all of us have had to put up with at one time or another or what about pretending to be a neighbour who has got a call requesting info about xxxxxx and asking whats in it for them:lol:

[ScarletPimpernel]

Surely its not beyond our tabloids to expose the bullying that goes on by these companies. Theyve manage to expose racism in the police. How hard could it be to get a job as a professional:rolleyes: with some of the less reputable DCAs and learn how they are taught. How hard would it be for a member of the press to contact 0870 ******** urgently and quote reference number ******** and listen to the torrid of abuse that most or not all of us have had to put up with at one time or another or what about pretending to be a neighbour who has got a call requesting info about xxxxxx and asking whats in it for them:lol:

 

The trouble with the tabloids is that they like sensational, salacious stories, and that they are utterly unreliable. Their interest in a story lasts only as long as they think it will sell papers, or until a more newsworthy story such as some football moron changing his hairstyle comes along. On occasion they do not let the facts interfere with the story (eh, Piers?).

 

I suggest that there would be more value in trying to interest a serious journalist. Aside from the human interest angle of the unnecessary misery DCAs cause, there are a number of political angles. For example, why have the government failed to control this grubby industry effectively? Could it be because banks and other financial institutions seem to be able to exercise extraordinary influence upon the Dear Leader, who is well known to be impressed by wealth? Could it be that some MPs have a vested interest in maintaining the status quo, because of their business interests? Or perhaps it's simply that the government doesn't understand the concept of borrowing, and thinks that if someone lends you money you don't actually have to pay it back.

 

Arise, Lord Cabot... ;-)

[Rhia]

I too have been thinking about a media expose and totally agree the tabloids are no the ones for such a potentially important story. The Independent is one such publication as is the Sunday Times Insight Team who in the past have notched up some impressive investigative journalism. Panorma or Whistleblower or Moneybox of course any of those serious broadcasters NOT Watchdog I don't think as it's too much of a magazine type approach and they would just skim the surface. They'd only need to read this thread from end to end to see the angles.

[Rhia]

It is just a shame that there appear to be so many debtors, and apparently advice agencies, keen to frustrate attempts by legitimate businesses to seek payment of bona fide, and usually undisputed debts.

 

 

Do they actually read what they write before they publish such stuff. This is up there alongside "Let them eat cake" and Marie Antoinette ended up on the gilloutine (don't tempt me).

The fact that this Crawford chap states they are "usually undisputed debts" illustrates they have been getting away with this unchallenged for so long they believe they have a divine right to dealing wholesale in their fellow man's bad luck. Astonishing (and useful).

Why doesn't he just say: "It is a great shame isn't it that these bothersome people just won't roll over and die and let us get on with making vast profits for the children's private education or the wife's 4X4 and then there's the holiday home on Barbados," and have done with it.

[Donel261]

Gosh, his statement certainly did have a tone to it. It was almost as if it was written for our benefit, take a chill pill Glenny!!

 

Anyway, found this on him (probably a case of blowing your own trumpet) but if its true, it makes our boy WW a mere amateur:

 

Web References 1. Cabot Financial

www.cabotfinancial.com/glen-crawford.htm

Published on: 9/29/2006 Last Visited: 9/29/2006

 

Glen Crawford Cabot Financial

...

Glen Crawford | Managing Director

 

Glen Crawford is an Executive Director of Cabot Financial, having joined the Group in April 1998 after acting as external legal counsel since Cabot Financial's inception. Glen is a corporate lawyer with over 10 years experience representing UK, US and international clients in a wide range of M & A, joint venture, venture capital and corporate finance transactions. He is a specialist in consumer credit and data protection law and joined as a Director of the Group from US law firm Mayer, Brown & Platt. Glen was articled with City law firm Gouldens where he practised for six years before being head-hunted by Mayer, Brown & Platt. Glen is a Solicitor of the Supreme Court, a member of the Law Society of England and Wales and a member of the Institute of Directors.

[hab]

Geez!!!! Looks like they need new accountants too?? that's some change of balance!!!

Maybe they've quoted it in Euros seeing how Barclays are going global

[Seahorse]

Well, I notice the amount defaulted remains the same on my Equifax report. Not sure what's been happening.

 

Anyroadup, it's the amount (supposedly) still outstanding that's the important bit.

[InKogneeToh]

 

Glen Crawford Cabot Financial

 

He is a specialist in consumer credit and data protection law .

 

Really???

 

Oh dear, Oh dear, Oh dear!!!

 

Glen! You're a 'specialist' and you don't understand the meaning of the word 'creditor' in the CCA??

[elizabeth1]

I too have been thinking about a media expose and totally agree the tabloids are no the ones for such a potentially important story. The Independent is one such publication as is the Sunday Times Insight Team who in the past have notched up some impressive investigative journalism. Panorma or Whistleblower or Moneybox of course any of those serious broadcasters NOT Watchdog I don't think as it's too much of a magazine type approach and they would just skim the surface. They'd only need to read this thread from end to end to see the angles.

 

I couldn't agree more with you - if this is going to be done - it needs to be done in a way that is going to be RIGHT!! We don't need to sensationalise these companies at all - what we need to do is show them up for the operations that they are (excuse me while I go to a corner and mutter!!)

 

The fact that this Crawford guy is so easily trying to classify and label those who dare to ask questions of their company is just a "spoilt brat" comment from a man trying to justify the ill deeds of his company. You see never before have these people had such a wake up call where the "rogues" have seen their rights to question the validity of their bullying!!!

 

However - they do need to start keeping notes and acting more responsibly with their doings!! They have been wrong for so many years and we are slowly turning the table on them!!! I reckon their days are numbered and as much as the label and name call - this dodgy past is going to bite them on the bum!!

[InKogneeToh]

Cabot Financial receives many letters each month from customers who have experienced the Cabot Service.

 

To all staff at Cabot, the only debt recovery companyho never talks with you in a rude manner, push you to pay what you cannot afford, who is nice when they know you are not telling the truth and who never try to make your day horrible.

 

We wanted to write to you personally to say how impressed we have been by your employees, who have treated us with utmost respect and courtesy. We have not always had this treatment from other companies, and it was such a delight to speak to people who seemed to understand our situation and seemed to genuinely want to assist. It is our experience that people are always quick to complain, but are slower to praise, and we intended to put that right.

 

I wish to thank the member of your team who I spoke to. She has been most helpful and sympathetic by listening to how such a large debt was incurred.

She has also gone all through the different options of re-paying this loan, with an attitude that nothing is too much trouble for her to help.

 

Why don't you contact us and see how we can work together.

 

 

 

This must be a different Cabot surely??

[andrew1]

No ... tbern wrote it

[InKogneeToh]

Sorry - internet connection playing silly b's again!

[InKogneeToh]

No ... tbern wrote it

 

Well it must have been tbern, seahorse and debtmountain then because it's actually 3 separate quotes from happy debtors - yeah, that many!!

[elizabeth1]

Sorry - internet connection playing silly b's again!

 

 

Told you - we need to go work there and put this place straight between us all?? They really need our help!!!

 

Now how can you get qualifications like that and not know this stuff?? I reckon he slept through those lectures?? Someone go give him a nudge wake him up!!!

[InKogneeToh]

Value Creation

The enhancement of asset value through our unique debt lifecycle methodology.

 

Just found this other interesting snippet from the Cabot bible. Debt lifecycle methodology - hmmm!! - not too difficult to work out what this means or what 'methodology' they employ!!

[Rhia]

"debt lifecycle methodology"

It's just bollix speak. There is no methodology they are greedy businessmen looking to make a fast buck and so end up debt collecting. That means hassling, harrassing and generally being unpleasant. they will have made up those quotes - can you really imagine anyone thanking them for the Cabot experience.

 

It is really, really sad if Mr Crawford is so highly qualified that he cannot use his intelligence and talents in a more society and life enhancing way than end up as a mere debt collector just for the bumper cash. His comments said it all. Desperate.

 

And read this (no it's not Cabot but it's quite a revelation and it does have a bearing on everything)

Bank of England 'deliberately fostered person debt’ to avert recession | the Daily Mail

[ODC]

Gosh, his statement certainly did have a tone to it. It was almost as if it was written for our benefit, take a chill pill Glenny!!

 

Anyway, found this on him (probably a case of blowing your own trumpet) but if its true, it makes our boy WW a mere amateur:

 

Glen Crawford is an Executive Director of Cabot Financial, having joined the Group in April 1998 after acting as external legal counsel since Cabot Financial's inception. a member of the Law Society of England and Wales .

 

 

Wonder what the Law Society would make of some of the alleged abuses of CCA guidelines

[pmhcfc]

Wonder what the Law Society would make of some of the alleged abuses of CCA guidelines

 

It's all about who's lining whose pockets, no? Huge Japanese (or soon to be American) company investing millions into the UK..I'm sure Tony hates the idea.

 

GW see's people like 'us' as **** of the earth. It is my belief that his latest outburst was aimed directly at us and this site. It's getting personal to him because we're getting in the way...He's just worried that the CFC will snowball into what's happened with the bank charges revolt...What's that song now?..."What's that coming over the hill? It's a monster, it's a monster." (No offence Seahorse ...I meant monster in the collective sense)

[hab]

To be honest I am still hanging fire on my Cabot-fan-club issue. I keep reading and then re-reading as much material on here as I can take in.

Thanks to the clever folks who put all the Cabot stuff together by the way. There is a lot of common sense being spoken yet still I remain unclear as to where I stand legally.

I know that there is some doubt that Cabot could, if challenged to do so, provide an "enforceable agreement" and that in absence of such then any CRA references could be disputed as unsubstantiated. But all this "Grey area" regarding rights and duties etc and whether or not they are bound by the DPA's definitions as "the creditor" and therefore the statutory timescales to provide information etc is all very confusing.

Are the CRA's actually taking this into account and correcting data on their files?

[Seahorse]

Are the CRA's actually taking this into account and correcting data on their files?

 

:lol: :lol: :lol:

[pmhcfc]

:lol: :lol: :lol:

 

 

OK...I'm on the investgating trail tonight-- deep into a few things...Want to share one thing I've found ... Check out the previous names WebCHeck - Select and Access Company Information Hmmmmmm

 

Then you'll want this link Atlas