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    • dx100uk
      Iva with Hanover now been passed to credit expert

      By dx100uk · Posted

      god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Alfy
      Iva with Hanover now been passed to credit expert

      By Alfy · Posted

      Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Cabot and me... what next?

Cabotkicker
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  • 2 weeks later...
Cabotkicker

Cabotkicker

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well, the 30 days are more or less gone, and all I got was the application form.

 

I noticed that was sent with a Rugby address on the rear of the envelope (return addy), so does this mean they've passed me on to their solicitors now? Is that the next stage?

 

Because the alleged debt is statute barred in 9/10 months or so, does that mean they'll step up the chase, even without a fully executed agreement?

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elizabeth1

elizabeth1

Posted
Posted
well, the 30 days are more or less gone, and all I got was the application form.

 

I noticed that was sent with a Rugby address on the rear of the envelope (return addy), so does this mean they've passed me on to their solicitors now? Is that the next stage?

 

Because the alleged debt is statute barred in 9/10 months or so, does that mean they'll step up the chase, even without a fully executed agreement?

 

 

MORE THAN LIKELY !!! You probably going to make friends with the Hodsons geezers now !!!

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  • 2 weeks later...
Cabotkicker

Cabotkicker

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I've had a wonderful letter (I must see if I can get round to scanning it and putting it up on here for all and sundry to read)! All proper headed paper, and signatures in ink! Lovely!

 

All the usual tripe: Cabot are not the creditor, but the new assignee of the debt, and the CCA request and £1 should have been sent to the OC :D

 

They state that the application form meets all the requirements of both the OC and Cabot :D :D

 

And they state that they have no obligation under section 77 and/or 78 to supply ANY information :D :D :D

 

"Although the original copy may not be available to Cabot, they have supplied Cabot with a copy which satifies all requirements of both Cabot and the OC. Under the CCA it states the creditor... shall give the debtor a copy of the executed agreement (if any)" and stress the words 'if any'.

 

 

I just love the way in one sentence, they claim to be known as 'the assignee' but then in the next, be satisfying their duties as 'the creditor' in supplying copies of application forms (oops, sorry, I mean Agreements)

 

they can shove it up their sweaty, smelly little ar$es

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elizabeth1

elizabeth1

Posted
Posted

PRICELESS AREN'T THEY? :D :D

 

Don't you just love the way one paragraph says one thing - then further down they say something totally different?

 

Time they designed some new cut & paste letters - seems they just have a bundle of paragraphs and who ever replies just fills the page regardless of what the paragraphs say.

 

Maybe they just don't like leaving spaces on the page - so just fill page with any old twaddles? ;)

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djdave

djdave

Posted
Posted

You know the old saying about an infinite number of monkeys and an infinite number of typewriters... :p

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Seahorse

Seahorse

Posted
Posted

In this case, they seem to confirm what you already know. By saying "if any", and not producing one, they have confirmed there ISN'T one.

 

So, Cabot. You may only pursue this with the backing of a properly executed CCA, IF ANY. If NOT? Well, I think you might be leaving yourself wide open to more court action. If any. ;)

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Cabotkicker

Cabotkicker

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They obviously don't re-read their letters before rushing to get them out in the post! How terribly shoddy and unprofessional!

 

Elizabeth1, they do seem to like leaving spaces on pages, there was a great big blank on the application form they sent to me... :D

 

After my next reply, I wonder who I'll be passed on to? And how many times they can keep explaining away the same twaddle, but make it sound a bit different! Will this carry on indefinately?

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elizabeth1

elizabeth1

Posted
Posted
They obviously don't re-read their letters before rushing to get them out in the post! How terribly shoddy and unprofessional!

 

Elizabeth1, they do seem to like leaving spaces on pages, there was a great big blank on the application form they sent to me... :D

 

After my next reply, I wonder who I'll be passed on to? And how many times they can keep explaining away the same twaddle, but make it sound a bit different! Will this carry on indefinately?

 

This stuff is just an example of how crap their staff training and development really is. It appears these staff don't think for themselves and there is no sign of any "quality control" and double checking going on in there.

I have never seen such shoddy misrepresentation so apparent in any company before.

This just represents how this companies "Mission Statements" as per their website is such B*llSh*t - what we are all seeing is contradicting their statements. It's hardly ETHICAL that this company send such rubbish out to their alleged customers is it?

 

I reckon the whole Management and Training team need a butt kicking to make them perform in their roles. Then perhaps some of the professionalism just MAY rub off on the monkey doing the Admin. But it's something that needs to start at the top of this organisation with the Directors and Managers and it will then cascade downwards. They need to lead by example.

 

What we are seeing is a sign that the Directors and Management are NOT good managers and their shoddy ways are filtering downwards to the lower levels of staffing. If the Directors & Managers don't care what is going on - why will the lower levels of staff care? Answer is they will become as uncaring as the Managers and Directors.

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Ell-enn

Ell-enn

Posted
Posted

Elizabeth, how right you are - it's time these people (and the rest of their industry) were audited regularly to establish that their policies and procedures were correct or in fact legal. I work in the manufacturing sector (albeit in an HR capacity) but we are subjected to various audits (BSI etc) where we have to prove we follow procedures correctly. If we weren't we would not be allowed to produce certain goods - this would hit our pockets - so obviously we comply. If this is not already happening in the debt colleting sector then it should be!!!!!!!!!!

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djdave

djdave

Posted
Posted

Fortunately Ell-enn, the tide is slowly turning. The FOS have recently been given new powers to follow up complaints which are not satisfactorily resolved, and I for one have taken the opportunity to complain about Cabot. It hits them where it hurts: they pay £400 for the honour of being investigated!

 

I don't think the DCAs appreciate how determined consumer groups like this are. Put it this way: two years ago, the banks weren't scared of us... ;)

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Ell-enn

Ell-enn

Posted
Posted

I know - great innit! like a mini revolution - I for one would quite happily knit at the side of le guillotine..... Off with their heads!!

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Rhia

Rhia

Posted
Posted

It does not surprise me in the least that Cabot's practises are shoddy. All the directors are interested in is making a fast buck as aggressively and as easily as possible. End of story. They can wrap it up that they treat their ahem cleints with respect and are industry leaders and all that rowlocks but they are just grubby little debt collectors who prey on human misery. End of story.

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  • 9 months later...
Cabotkicker

Cabotkicker

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well hi everyone, not been on here for a while, but I'm still a member! I hope they aren't giving too much misery? Cabot have passed me on to our friends at FIRE, so I've progressed down the hallway by a few offices! They must be getting desperate! I've told FIRE to naff off but they dont seem to be taking the hint at the moment!

 

They are threatening court action on the strength of an application form...and one that is well over 6 years old at that...silly silly cabot!

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andrew1

andrew1

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Posted
well hi everyone, not been on here for a while, but I'm still a member! I hope they aren't giving too much misery? Cabot have passed me on to our friends at FIRE, so I've progressed down the hallway by a few offices! They must be getting desperate! I've told FIRE to naff off but they dont seem to be taking the hint at the moment!

 

They are threatening court action on the strength of an application form...and one that is well over 6 years old at that...silly silly cabot!

 

Well done, lets hope they use Hodsons :grin:

 

 

Sarah

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Cabotkicker

Cabotkicker

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Well done, lets hope they use Hodsons :grin:

 

 

Sarah

he-he! already had letters off them too, before this! I gave them the cabot fan club two fingered salute as well!

 

the clock is ticking away, it's just a matter of time before I deal the final blow... awaiting the next letter; will it be Cabot, FIRE or Hodsons this time I wonder :rolleyes: Let's let them look at the file and they can tell me if what they are chasing is statute barred or not. But chances are, they wont be able to, because they haven't got anything in that file other than an application form!

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