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Lovely Cabot Letter


Vampyra
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Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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YAY!!! A standard "We are right and the law is wrong" letter from Cabot.

 

Barclaycard shooting themselves in the foot again with an application form pretending to be an agreement containing all the prescribed terms.

 

All the usual Cabot nonsense. They say they act in accordance with all laws and guidlines, but in the letter prove that they are not, by insisting that the debt is enforcable, when it clearly is not for example.

 

I like their bit about "it would mean all agreements of a like kind would be open to challenge." Well, Emma, we have news for you. They are!!! :lol:

 

I have written to Cabot in reply to their nonsense about it being enforcable, by telling them that if they consider it to be so, then please raise a claim at my local Sherriff Court, the address of which is... bla, blah, blah.

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Thanks Seahorse - I was getting the impression I was going mad and they might be right due to the lack of laughter by some people!

 

Cabot are piddling me off! ;)

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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Thanks Seahorse - I was getting the impression I was going mad and they might be right due to the lack of laughter by some people!

 

Cabot are piddling me off! ;)

 

 

I wonder how long it took to copy and paste that letter? :lol: :lol:

 

They can't help being so dim really - we have tried treating them like intelligent human beings - to just get this sort of trash off them - they really need help in there :-x

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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Thanks to all who have PM'd and answered.

 

I've had a thought.

 

It might me stupid but well here goes.

 

When on signs a bit on the application form saying "Credit Agreement regulated by the Consumer Credit Act 1974" - are we all not just signing to say that if our application is accepted, we agree to the terms of the Consumer Credit Act 1974?

 

I am reading slowly through the Cabot stuff to ty to piece together a good reply letter, though I think it's gotta be a basic I don't agree and "knob off for all eternity" type letter!

 

They are just so up themselves!

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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There's no such thing as a stupid question.

 

But the bit you mention on an application form shouldn't be there in the first place. You can't agree to something in the future if you don't know what you will be agreeing to.

 

So my opinion is, because the application form ISN'T an agreement regulated by the CCA (unless perhaps it contains all the prescribed terms), then it should not appear on the form as this would be misleading at the very least.

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