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dazza3956

Cabot CCA - kings hill to robinson way then to cabot

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Hi all .

i've been getting advice on one of the other pages about debt with cabot and robinson way

and was advised to ask someone dealing with cabot about the credit agreement i've receieved after sending a cca and statement of account .

 

my thread is under the name dazza3956 and titled robinson way.

 

i am starting a thread in here as my debt has been passed from kings hill to robinson way then to cabot .

 

as i've explained on the other pages that this debt has been paid off in full

but they keep adding extra on as it gets passed from dca to dca.

 

i've tried to put the letter on here that i've receieved but can't seem to get it done for some reason.

 

please could someone have a look at my thread and avise me on the next step.

 

i sent a cca to cabot on the 20/8/07

 

they have sent my £1 back saying they dont accept this but will get the relevant info from monument.

now they have sent me a supposedly original credit agreement but having read about them on here i think it is just an application for credit.

thanx

dazza

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post the "agreement" so we can double check. as long as you have proof it's paid in full tell to take long walk off a short pier or invite them to take legal action against you, it seems to be the in thing now, take cabot to court lol (and yes it looks like i will be doing it aswell


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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hi

i've tried to scan and post the actual agreement but it doesn't want to do it for some reason.

this is what it says to the letter more or less:

 

Complete and post your reply today!

 

my address

 

Declaration:

Credit Agreement Regulated by the Consumer Credit Act 1974

I applying for a Providian National Bank credit card , pin and cheques subject to status.I authorise you to send me a Visa card and or any other card you may offer me.I accept and agree to be bound by the Terms and conditions .I am a uk resident over 18 yrs of age .All the information provided by me is true and accurate.I authorise you to search the files of any credit reference agency .which will retain a record of the search.i further authorise you to share information about me with other creditors through credit reference agencies in order to make credit decisions ,carry out occasional debt tracing and prevent fraud.you may telephone me in connection with my application or to offer me any other products or services linked to my account.

DATA PROTECTION ACT

I agree to any information about me being used in accordance with condition 16 of the terms and conditions.

sign:

This is a Credit agreement regulated by the Consumer Credit Act 1974.sign it if you only want to be legally bound to these terms.

my signature and date.

 

on the bottom it has a bar code and underneath it says application form

then it has on the left hand side my annual income .my tel no and whether i am working full time and a homeowner tenant etc .

thats about it really .

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hi

although i've received what looks like an application form on which my sinature appears and they quote the consumer credit act 1974,can i go as far to say that the cca request i posted well over 12 days ago to Cabot is in default?

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application form it is. there no interest rate and there no credit limt so your safe.

 

only thing i will say now is to check your CRA files. OC default vanished and new 1 appeared and guess what it's in Cabot's name.

 

they are soooooooooooooooooo screwed.

recording information on my credit file when not entitled to and without my permission? tut tut,


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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yup that application form, you bullet proof


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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hi

the letter they sent with the "agreement" states:

 

we enclose a copy of the original agreement as requested under the CCA act 1974.if you wish to discuss the matter further please call.

 

i got another letter yesterday saying they are calling tomorrow morning (letter dated 12th sept) which is the 19th sept.

if this is inconvenient please telephone .

thanx

dazza

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DON'T call them.

IF anyone does arrive simply tell them that you have already sent a letter and you're awaiting a response to it.

 

The I'd wait and see what they do next.

As and when the start demanding payment again send them the RW&c letter AND report them to TS ;)


Be VERY careful whose advice you listen too

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