Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» Acting agent or debt purchaser?
by daveiron Today at 11:28 am

» Geo Engineering, are we seeing another avoidable tragedy?
by Awoken2 Today at 10:43 am

» ...MP's should we sack them all?
by daveiron Today at 9:39 am

» Planning ahead for 25k debt
by daveiron Today at 9:25 am

» New three letters response
by Lawful rebel Yesterday at 9:11 pm

» Hoist Portfolio Holding Limited
by Indebttoo Yesterday at 8:38 pm

» Reality chat with peter howard and company
by Society of the Spectacle Yesterday at 7:33 pm

» Vets Stealing Cats By Fraud
by assassin Yesterday at 7:12 pm

» Poor Old Ceylon
by assassin Yesterday at 6:55 pm

» My credit card come back alive
by Tiggy Yesterday at 6:21 pm

» Predictive programming and the music industry.
by Awoken2 Yesterday at 5:53 pm

» UK Column
by ceylon Yesterday at 3:21 pm

» Bank of Scotland
by assassin Yesterday at 1:06 pm

» Debt ban from travelling abroad?
by LionsShare Yesterday at 12:25 pm

» Is the propaganda failing?
by ceylon Yesterday at 11:40 am

» Let's Have Some Tunes thread.
by Awoken2 Tue Jan 16, 2018 11:32 pm

» KEVIN MARK ON TRUSTS AND COUNCIL TAX
by andre.rd Tue Jan 16, 2018 7:53 pm

» Vegas False Flag
by Awoken2 Tue Jan 16, 2018 3:05 pm

» Anyone know of a natural cure for High Blood Pressure?
by LionsShare Tue Jan 16, 2018 11:59 am

» Probally the most important link I have seen
by urchinatheart Tue Jan 16, 2018 10:55 am

» Should we ignore the divide conquer tactics & pull together
by Ausk Tue Jan 16, 2018 8:58 am

» ...Is it your turn to pay again?
by ceylon Tue Jan 16, 2018 8:32 am

» How can you beat fear ?
by Ausk Tue Jan 16, 2018 8:30 am

» Old member returns.
by assassin Tue Jan 16, 2018 1:15 am

» Police are told to stop rise of paedophile hunters
by assassin Tue Jan 16, 2018 1:14 am

» Lowell & OC Letter in same envelope (strange?)
by Tiggy Mon Jan 15, 2018 9:47 pm

» Lowell CCBC claim form
by Tiggy Mon Jan 15, 2018 9:42 pm

» sol excalibre with cookiemonster
by Society of the Spectacle Mon Jan 15, 2018 8:37 pm

» Hi Annie from YT Annie logical channel
by Society of the Spectacle Mon Jan 15, 2018 1:32 pm

» Water Distiller Recommendations?
by Lawful rebel Mon Jan 15, 2018 1:16 pm

» Want to save money? WATCH THIS
by mitch Mon Jan 15, 2018 10:53 am

» Manuka honey kills more bacteria than all available antibiotics
by Ausk Mon Jan 15, 2018 9:02 am

» Nottingham Workshop Saturday 20 January 2018
by Boudica Sun Jan 14, 2018 9:10 pm

» lawful rebellion
by daveiron Sun Jan 14, 2018 1:50 pm

» Bailiffs & Sworn Affidavit
by Ausk Sun Jan 14, 2018 8:13 am

» Court defence
by seamous87 Sat Jan 13, 2018 5:44 pm

» PACE Sections 11-15
by assassin Sat Jan 13, 2018 3:45 pm


Cabot financial letter

View previous topic View next topic Go down

Cabot financial letter

Post by lisa40 on Sun Jan 07, 2018 2:51 pm

HI GUYS IVE MOVED ACCROSS FROM THE OLD SITE AFTER FINDING YOU VIA GOOGLE TODAY.

latest letter received from Cabot financial saying

A NEW APPROACH
We are hoping A new approach could help you be free of this debt.
you may have questions about who we are. how your account got to us or what can be done to move forward with your account.we believe our team will be able to help.

if you contact us.........bla bla bla bla bla......

Now my question is I have been dealing with Cabot regarding this account since 2014,and in 2016 I sent the 3 letters and the estoppel letter, do I start the 3 letter process again or send a copy of the last letter I sent saying
I will be willing to settle any claim that is lawfully mine on production of the documentation as detailed in my previous letters (obviously more to is said in the letter)...ect ect or do I just ignore the letter...

any advice is much appreciated.x

lisa40
Not so newb
Not so newb

Posts : 5
Join date : 2018-01-07

Back to top Go down

Re: Cabot financial letter

Post by warwick65 on Sun Jan 07, 2018 3:16 pm

Personally I would just ignore for now.

Did you ever send a CCA request as opposed to the three letters and did they ever send you the agreement.

BTW what sort of agreement is it?

warwick65
Not so newb
Not so newb

Posts : 39
Join date : 2018-01-04

Back to top Go down

Re: Cabot financial letter

Post by lisa40 on Sun Jan 07, 2018 3:27 pm

no I only sent the 3 letters and the estoppel letter ,then heard nothing for a while and then when I received another letter I was advised to send the last letter I mentioned above which was back in may 2016, heard nothing until a few days ago and the debt is a bank loan,

lisa40
Not so newb
Not so newb

Posts : 5
Join date : 2018-01-07

Back to top Go down

Re: Cabot financial letter

Post by warwick65 on Sun Jan 07, 2018 3:30 pm

What type pf debt is it , catalogue, credit card, loan, something else and roughly how much is it a few hundred , a few grand , over 10K - these answers may impact the best way to deal with it

warwick65
Not so newb
Not so newb

Posts : 39
Join date : 2018-01-04

Back to top Go down

Re: Cabot financial letter

Post by lisa40 on Sun Jan 07, 2018 3:34 pm

it was a bank loan through Lloyds bank I owe £11575.

lisa40
Not so newb
Not so newb

Posts : 5
Join date : 2018-01-07

Back to top Go down

Re: Cabot financial letter

Post by warwick65 on Sun Jan 07, 2018 3:37 pm

Eek

That needs some careful handling

Personally I would ignore just now but if the letters get any stronger send a S77 request to see what they have got - if anything

warwick65
Not so newb
Not so newb

Posts : 39
Join date : 2018-01-04

Back to top Go down

Re: Cabot financial letter

Post by lisa40 on Sun Jan 07, 2018 3:41 pm

thanks ,what is a S77 please.

lisa40
Not so newb
Not so newb

Posts : 5
Join date : 2018-01-07

Back to top Go down

Re: Cabot financial letter

Post by warwick65 on Sun Jan 07, 2018 4:00 pm

S77 is a request  about a loan under S77 consumer credit act and means they have to provide certain details about the loan - if they can not then they can not enforce.

Although the consumer credit act provides most protection for accounts opened before April 2007 it can still provide powerful protection for others.

Here is a sample of a S77 request

Your name/s
Your address
Your address
Your Postcode

DATE

Creditor Name
Creditor Address
Creditor Address
Creditor Postcode

Dear Sir/Madam

Re:− Account Number xxxxxxxxxxxxxxxxxx

With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement.

We understand that under the Consumer Credit Act 1974 (Sections 77−79), I am  entitled to receive a legible copy of our credit agreement on request along with associated terms and conditions and a statement of account. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

I understand a copy of our credit agreement should be supplied within 12 working days.

I look forward to hearing from you.

Sorry I can not post a link but if you google S77 cca and look at the first result it will show you

warwick65
Not so newb
Not so newb

Posts : 39
Join date : 2018-01-04

Back to top Go down

Re: Cabot financial letter

Post by Tiggy on Sun Jan 07, 2018 4:01 pm

It's a request under Section 77.1 of the Consumer Credit Act, for a copy of the agreement. If they can't supply a copy then under Section 77.4 the debt is unenforceable against you.

Request under s.77 Consumer Credit Act 1974

Dear Sirs
Re: Account / Reference Number: xxxxx / xxxxx

With reference to the above agreement, I require that you provide me a true copy of the credit agreement.

I am aware that section 77(1) of the Consumer Credit Act 1974 sets out clearly what is required to comply with my request and quote “shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it”. For clarification I require a copy of the agreement, any terms and conditions from the time when the agreement was executed, the current terms in force or in the alternative the notices of variation of each term as approved in Carey v HSBC Bank Plc and a copy of the cancellation notice if the agreement refers to “Your Right to Cancel” within it. I also require a statement as laid out also within section 77(1)(a-c). If there weren’t any terms and conditions then please confirm this in your response.

I am entitled to receive the information on request. I enclose a payment of £1.00 per account, which represents the fees payable under the Consumer Credit Act 1974. This request is a statutory request and should not be construed as any acknowledgment or payment towards any account.

I understand that Consumer Credit (Prescribed periods for Giving Information) Regulations 1983 (SI 1983/1569) at Regulation 2 sets out the required time frame for compliance with this request as being 12 working days from receipt.

In the event that you do not consider yourselves the “creditor” I direct you to s189 Consumer Credit Act and the leading case of Jones v Link Financial Ltd [2012] EWHC 2402 (QB) (22 August 2012) which confirms that assignees of an account are the creditor and must comply with statutory duties.

In accordance with the new FCA guidance, if the copy of the executed agreement is reconstituted, then I expect you to confirm this is the case and to confirm what steps were taken to provide this reconstitution as set out in the FCA handbook CONC 13.1.4 (2).

I look forward to hearing from you
Yours faithfully

Tiggy
Moderator
Moderator

Posts : 449
Join date : 2017-08-11

Back to top Go down

Re: Cabot financial letter

Post by lisa40 on Sun Jan 07, 2018 4:45 pm

thank you both for the advice, can a £1 postal order be sent as payment.

do I sign the normal way with my signature or ...of the family.(my surname)

lisa40
Not so newb
Not so newb

Posts : 5
Join date : 2018-01-07

Back to top Go down

Re: Cabot financial letter

Post by warwick65 on Sun Jan 07, 2018 4:57 pm

I have never actually signed them , just used a fancy font on the document but if you are going to sign it, I would use an anti tamper strip- google it and find one to put in the document then sign over it.

The £1 can be sent as a postal order - keep a record of it to prove that a) you sent it and b) it was for the statutory payment as it has been known for them to credit it to your account which resets the limitations clock.

warwick65
Not so newb
Not so newb

Posts : 39
Join date : 2018-01-04

Back to top Go down

Re: Cabot financial letter

Post by warwick65 on Mon Jan 08, 2018 3:59 pm

Lisa
For some reason every time I click on this link I get a virus warning

Anyway- should, and I hope it doesn't, end up with a claim form then I would strongly recommend getting some legal advice, some firms offer free initial advice although that is getting harder to find these days

warwick65
Not so newb
Not so newb

Posts : 39
Join date : 2018-01-04

Back to top Go down

Re: Cabot financial letter

Post by Lopsum on Tue Jan 09, 2018 2:02 pm

its something to do with the adds popups , someone else had a mac issue similar. Its not the forum , viruses would either be there or not, not just sometimes .
avatar
Lopsum
Admin
Admin

Posts : 1049
Join date : 2017-01-15

http://goodf.forumotion.com

Back to top Go down

Re: Cabot financial letter

Post by Sponsored content


Sponsored content


Back to top Go down

View previous topic View next topic Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum