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Cabot- is there a realistic chance to fight them?

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Cabot- is there a realistic chance to fight them?

Post by annap on Mon Aug 13, 2018 11:51 am

Hi everyone,
I am just dealing with Cabot at present. Unpaid CC amount of £1000. I have been ignoring them for past few months now they claim that they are ready to take next step (solicitor and court). I know that hiding will not help much and want to start 3 letters but here is my question- from your guys experience how big is a chance I can fight them? and how big is a chance they actualy will take a further action? I understand that every case is different and is hard to predict what will happen, but just from your experience.. How the final pre court legal action notice should look like? I am hesitating between starting this letters and just waiting for their next move. But in the same time I don't want to mess up by waiting too long. What is waiser in your opinion? I would appreciate any comment. thanks

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Re: Cabot- is there a realistic chance to fight them?

Post by daveiron on Mon Aug 13, 2018 12:19 pm

Hi annap,

The choice of course is yours.

1. Do nothing and get a CCJ and possibly enforcement ( attachment of earnings etc)
2. Pay the parasites
3. Start & see through the 3 letter process & have a very good chance beating them.

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Re: Cabot- is there a realistic chance to fight them?

Post by annap on Mon Aug 13, 2018 12:28 pm

Hi daveiron,

its scary but will start with letters today. I wanted to hear there is a chance. thank you

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Re: Cabot- is there a realistic chance to fight them?

Post by daveiron on Mon Aug 13, 2018 12:40 pm

OK ,
If you are going to start may I suggest you watch this video .Watch it as many times as you need to understand
what is really going on,it may be a few years old now but it explains it very well.
If Cabot have bought the debt ,start with these,


http://goodf.forumotion.com/f37-new-letters-process.

Remember we are here to help.




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Re: Cabot- is there a realistic chance to fight them?

Post by annap on Mon Aug 13, 2018 12:48 pm

Oh, thanks so much!

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Re: Cabot- is there a realistic chance to fight them?

Post by waylander62 on Mon Aug 13, 2018 9:11 pm

watch out for the next letter being a letter before action, if this is what they next send out to you then they will be looking to take this to court.

keep your whits about you and shout if you receive a letter before action.

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Re: Cabot- is there a realistic chance to fight them?

Post by annap on Mon Aug 13, 2018 10:15 pm

I have just sent a first letter to them today...
I will watch out for it and definitely keep posting. Thanks a lot for your help.

annap
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Re: Cabot- is there a realistic chance to fight them?

Post by annap on Tue Aug 21, 2018 11:56 am

Hi guys. An update. So far no response for letter 1 therefore I'm sending letter 2 today.
Thanks for all help so far.

annap
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Re: Cabot- is there a realistic chance to fight them?

Post by iwanttobefree on Wed Sep 05, 2018 9:27 pm

-


Last edited by iwanttobefree on Wed Sep 05, 2018 10:00 pm; edited 1 time in total

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Re: Cabot- is there a realistic chance to fight them?

Post by annap on Wed Sep 05, 2018 9:33 pm

Same here. Third letter sent a few days ago.

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Re: Cabot- is there a realistic chance to fight them?

Post by annap on Wed Sep 12, 2018 11:15 am

Hi. After sending get a third letter to Cabot on 31 August I have received a letter yesterday. This letter is in a general mood that they do not have to be providing me in any documents, that they receive many letters like mine and my claims doesn't apply to English law but to American one, and if I keep sending further letters with inaccurate or irrelevant claims they will not longer respond to it but will keep contacting me to reach solution for repayment. Also they said that if I have a valid dispute reguarding them they can help to investigate my concerns. And they do not see a reasons behind my claims for documents.
Along with a letter they have sent a 3 page sheet where are giving explanation why my claims are not valid. I would love to attach it for your review but I can't see how to do it in this forum. Can someone let me know howhat to attach a file here?
So, what do I do now please? Letter has no signature and no name. It is just send us Cabot Financial. It was not sent as recorded delivery. Do I just ignore this one and continue with estoppel when time comes ( after 30 days from the last letter)? Or should I refer to this letter somehow? Also they claim that estoppel by acquiescence have no basis in England.
Please let me know what shall I be doing next?

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Re: Cabot- is there a realistic chance to fight them?

Post by annap on Wed Sep 12, 2018 11:31 am

Further to my previous post I am sending you the sheets that I have received from Cabot in response to my third letter

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Re: Cabot- is there a realistic chance to fight them?

Post by annap on Wed Sep 12, 2018 11:35 am




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Re: Cabot- is there a realistic chance to fight them?

Post by daveiron on Wed Sep 12, 2018 12:35 pm

Hi,
Is that all they have sent you ? Its clearly a template letter which they believe covers all arguments they have heard.

I would respond along the lines of: I am in receipt of your template letter dated xxxxx and received xxxxx.
Firstly it is now recorded in my records that I have requested on three (3) occasions documentation relating to this alleged debt ,and as to date you have failed to supply these or give an explanation for your failure.

As regards your response ,you appear to have made a legal determination regarding the Lord Denning judgement .
Therefor I now require the name and legal qualifications of the individual who has made that determination .
Furthermore you make reference to the Bills of Exchange Act. Standard banking practice is that these agreements
are sold / traded by the original creditor ,therefore they are a negotiable instrument and as such covered under the
Act.
I also note that you are threatening to send 'doorstep agents' . Take Notice I am now giving Notice that your implied rights access are hereby removed.


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Re: Cabot- is there a realistic chance to fight them?

Post by annap on Wed Sep 12, 2018 12:40 pm

Hi yes that's all. Along with a letter in which they claim that my requests has no base in UK law and are irrelevant and they do not need to be sending me any documents.
Ok thank I will do that.. so should I still send estoppel after 30 days correct to close the 3 letter process properly? Thanks a lot for your help

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Re: Cabot- is there a realistic chance to fight them?

Post by daveiron on Wed Sep 12, 2018 12:53 pm

Hi,
re the estoppel it won't hurt to send one ,although they tend to ignore them.

Do they really expect people to pay them just because they say they now own your alleged debt without
providing any docs.

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Re: Cabot- is there a realistic chance to fight them?

Post by annap on Wed Sep 12, 2018 12:58 pm

Ok so I will send them a letter as you suggested and if they won't respond I will follow with estoppel when time comes.
Thank you again for your quick response. Much appreciated, really.

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