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    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
    • Did your FiL leave a Will and if so who is the Executor? Strictly speaking banks could refuse to take instructions until Probate is granted but In practice I would expect the bank to take instructions to cancel the DD if the Executor presents the death certificate and a certified copy of the Will
    • Hi   Sorry I probably wasn't clear enough. He had lived in the flat until December 2022 with Dementia by this time it was unsafe for him to have capacity to live on his own and he had to move into a nursing home. We had left it too late to apply for power of attorney so approached a solicitor in March last year for Deputyship. We were still in the process of dealing with it by May 2024. He passed away a few weeks ago and the solicitor was contacted to halt the application and we will just pay the fees of what work he has done up until now. My wife was the named person on her dads bank account but we didn't have the ability to alter any direct debits hence the reasons for applying for Deputyship as we were having problems trying to stop some payments coming out of his account Eon being another difficult company. We kept his flat on from December 2022 - August 2023. it was at this point I contacted Sancutary housing to inform them he was no longer living in the flat, it had been cleared out and was ready for a new tenant and that he had Dementia and had moved into a nursing home December 2022 and explained the reasons why we kept it on. As the named person to speak on his behalf I asked them what proof they needed in order to give notice on the flat e.g proof of dementia and proof that he was living in a nursing home and anything else they wanted. The lady in the upstairs flat and some of the other residence in the street had asked about him and we had told them he had moved into a nursing home. The lady in the upstairs flat wanted his flat for medical reasons so asked us once we had given notice could be let her know and she'll ask them if she can have it. We explained the difficulties and it was left at that but I did tell her I would let her know once notice was given. I contacted the company by email a number of times and also telephone conversations and nobody followed it up and it wasn't till the end of February this year that the housing manager for the area wrote to our home address to ask about him that he had been to the flat a couple of times and nobody answered and he had asked some of the residence in the street and they hadn't seen him for sometime. There was an email address on the letter so I contacted him and copied in the last 2 emails I sent Sanctuary regarding me wanting to give notice on the flat for at least 9 months explaining that it went ignored as well as telephone calls. I also stated I wanted to have his rent payments returned from the date I wanted to give notice which was from August 2023 as the bank wouldn't let us stop the DD without POT or deputyship explaining we were in the process of Deputyship. He gave some excuse about not having POT to cancel on his behalf and spoke to someone in HR and said he would contact the nursing home to confirm he was there with Dementia and if it all checks out we can give notice on the flat which came to an end on the 22 March 2024. There was not mention of back payments for the rent already paid or the fact I had asked to give notice in August 2023. Despite someone living in the flat from 1st April they continue to take DD payments for the flat and have taken another 2 payments of £501. another concerning thing despite Eon not allowing us to cancel the DD to his account the lady upstairs informed Eon that she was moving into the flat February 2024 and Eon refunding the account to his bank and said in an email sorry you are leaving us and canceled his account. Something they wouldn't let us do but a stranger. She also changed her bank account to his address despite the fact notice hadn't been given on the flat yet. So we need to find out how much information Sanctuary actually had for her to tell her power company she was moving into the flat in February despite the housing manager only just getting in contact to find out where he was. So a complaint is going into Eon and Sanctuary and we are going to take advice and ask the bank to charge back the rent. My wife hasn't taken the death certificate to the bank yet to inform them of his passing.  
    • Yes, I believe the Starbucks was closed at the time the car was parked there 
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Cabot and me... what next?


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  • 2 weeks later...

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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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...

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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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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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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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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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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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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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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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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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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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...

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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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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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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