Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» Even more fun, you decide.
by assassin Today at 2:33 am

» FRAUD!!
by assassin Today at 2:29 am

» Reality chat , every wednesday at 8pm (ish)
by Society of the Spectacle Yesterday at 7:44 pm

» Lowels
by Sharpysparky Tue May 21, 2019 5:34 pm

» Nasty trick to play on courts re speeding and parking
by daveiron Tue May 21, 2019 11:20 am

» Police use of 'intrusive' and 'inaccurate' facial recognition tech challenged in UK court
by jss64 Tue May 21, 2019 11:11 am

» AVAL
by LionsShare Tue May 21, 2019 10:42 am

» treason "laws"
by LionsShare Tue May 21, 2019 9:42 am

» the height of cheek
by LionsShare Tue May 21, 2019 9:32 am

» media control
by assassin Tue May 21, 2019 1:57 am

» sol excalibre with cookiemonster
by Society of the Spectacle Mon May 20, 2019 8:00 pm

» Credit Security limited
by assassin Mon May 20, 2019 1:48 am

» The Good Old British Bobby...
by assassin Mon May 20, 2019 1:44 am

» Single Justice Procedure Notice for alleged speeding
by LionsShare Sun May 19, 2019 12:15 pm

» TESCO CREDIT CARD & LOWELLS
by Mrblue Sun May 19, 2019 9:01 am

» Latest Rich Planet vids Richard Hall
by daveiron Sat May 18, 2019 8:36 am

» As if the banks couldn’t be any more fraudulent.
by Mrblue Sat May 18, 2019 6:45 am

» E 171
by Lopsum Fri May 17, 2019 8:09 pm

» yeah! I'm back
by handle Fri May 17, 2019 6:12 pm

» More Chick Wilfong
by midnight Fri May 17, 2019 12:16 pm

» Use Companies House
by assassin Fri May 17, 2019 2:45 am

» Gordon Bowden - Exposing Blair
by assassin Fri May 17, 2019 2:01 am

» Let's Have Some Tunes thread.
by Awoken2 Thu May 16, 2019 11:06 pm

» San Francisco Bans Facial Recognition Technology
by jss64 Thu May 16, 2019 5:03 pm

» Gordon Bowden - Westminster Fraud
by assassin Thu May 16, 2019 6:17 am

» Gordon Bowden - Uncovering Fraud
by assassin Thu May 16, 2019 6:16 am

» Claim Form Southern Water
by LionsShare Wed May 15, 2019 4:11 pm

» SUBJECT ACESS REQUEST
by Jimmyjack Wed May 15, 2019 2:01 pm

» Cabots/Resolvecall
by Jimmyjack Wed May 15, 2019 9:59 am

» Loan & the three letters
by Akira Tue May 14, 2019 3:11 pm

» Questions regarding the use of Promissory notes to clear bank related debt.
by Akira Mon May 13, 2019 9:06 pm

» Not a recognised Debt
by daveiron Mon May 13, 2019 7:29 am

» County Court claim form
by eggnog Sun May 12, 2019 6:58 pm

» Cabot advice
by Mrblue Sun May 12, 2019 9:13 am

» council tax & prison
by assassin Sun May 12, 2019 2:01 am

» Climate change!
by Sharpysparky Sat May 11, 2019 9:23 pm

» Yet some more fun. Two bad apples down, some way to go yet. It's a start
by assassin Sat May 11, 2019 2:30 am

» channels
by LionsShare Fri May 10, 2019 11:00 pm

» How to deal with banks and debt collectors
by daveiron Fri May 10, 2019 7:08 pm

» Sounds like alot of fun comming our way sometime soon hopefully.
by midnight Fri May 10, 2019 6:51 pm

» 3 letter process
by daveiron Thu May 09, 2019 6:17 pm

» New Po-lice Scam Looming
by assassin Thu May 09, 2019 1:45 pm

» More Misleading news
by assassin Thu May 09, 2019 2:22 am

» Latest from CrimeBodge
by assassin Wed May 08, 2019 7:00 pm

» Drydens Fairfax
by Mrblue Tue May 07, 2019 10:15 pm

» Submitting defence to court against Lowell Solicitors
by shuai Tue May 07, 2019 11:58 am

» Speed Cameras
by assassin Tue May 07, 2019 3:16 am

Moon phases


Cabot- is there a realistic chance to fight them?

Page 2 of 6 Previous  1, 2, 3, 4, 5, 6  Next

Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by handle on Thu Oct 11, 2018 9:36 pm

Trust me. Even the bailiffs seem to know things. A bailiff even boasted he knew whose car I was driving. They all share data.

So..,. Give them
Musinfo

handle
dedicated
dedicated

Posts : 573
Join date : 2017-04-10

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by handle on Thu Oct 11, 2018 11:34 pm

Interesting posts.......had a small alarm bell ringing in the distance........

handle
dedicated
dedicated

Posts : 573
Join date : 2017-04-10

Back to top Go down

The author of this message was banned from the forum - See the message

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by Emilybm on Mon Jan 07, 2019 8:46 pm

Hi annap,

I am in the process of beginning with the 3 letters and I came across your post. I feel similar to how you seem to of felt at the beginning and I wondered, as time has passed, how this process has worked for you so far please?

Have the 3 letters been successful for you?

Thank you

Emilybm
Not so newb
Not so newb

Posts : 10
Join date : 2019-01-07

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by Keithatlm on Mon Jan 07, 2019 10:36 pm

Yes it works after 3 letters and estoppel been a while but they keep trying, then it's classed as harassment iv'e lost the fear only unsecured debt. Thanks all for the help.

Keithatlm
Not so newb
Not so newb

Posts : 21
Join date : 2017-05-31

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by assassin on Tue Jan 08, 2019 2:09 am

Maintain your "private record of the Parties" as this is valuable evidence, this will prove harassment as they cannot prove claim and are trying to collect on an unsubstantiated claim which is fraud.

Follow the rules of harassment which are that it requires two or more actions and hit them through the courts.
assassin
assassin
Admin
Admin

Posts : 1876
Join date : 2017-01-28
Location : Wherever I Lay My Head

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by annap on Wed Jan 23, 2019 7:15 pm

Ok guys so an update. Today I have received a letter from Mortimers Solicitors:-( it sais that I have 30 days to reply using the form included. If not they will issue the court proceedings. So what should I do now? Cabot has just simply ignored my 3 letters.
Can someone advice ASAP please?

annap
Not so newb
Not so newb

Posts : 53
Join date : 2018-08-12

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by waylander62 on Wed Jan 23, 2019 7:52 pm

You have now received an official letter before action which needs a response within the 30 day time limit or else they WILL issue a claim

what documents have they already provided you with ?

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by annap on Wed Jan 23, 2019 8:06 pm

Hi,
Thanks for response. They have sent:
1. sort of statement which contains only Cabot reference, Original account no., Original creditor name, Current creditor which is Cabot, opening balance and closing balance
2. Letter of claim details
3. reply form

I am trying to scan all of them now, so I can post it if this would help?

annap
Not so newb
Not so newb

Posts : 53
Join date : 2018-08-12

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by annap on Wed Jan 23, 2019 8:19 pm

Cabot- is there a realistic chance to fight them? - Page 2 Img_2012
Cabot- is there a realistic chance to fight them? - Page 2 Img_2010
Cabot- is there a realistic chance to fight them? - Page 2 Img_2011

annap
Not so newb
Not so newb

Posts : 53
Join date : 2018-08-12

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by annap on Wed Jan 23, 2019 8:21 pm

Cabot- is there a realistic chance to fight them? - Page 2 Img_2013

annap
Not so newb
Not so newb

Posts : 53
Join date : 2018-08-12

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by waylander62 on Wed Jan 23, 2019 8:54 pm

ok, standard pre action conduct procedure.

now a few questions:
i) was this a credit card ?
ii) have they sent you a copy of agreement with terms and conditions
iii) copy of the default notice
iv) a copy of the termination notice
v) statements to show how the sums claimed have become due
vi) a notice of assignment
vii) Deed of assignment

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by annap on Wed Jan 23, 2019 9:10 pm

Cabot did not provide me with any documents requested in 3 letters. Yes it was a credit card. Original creditor did sent me a letter with information about closing my account in 2017. I have never received anything from Cabot except a payment demands. After a 3 letters they have just keep sending letters that they didn't hear from me, like the 3 letters process has never happened actually. They have sent also a letter a few days ago that they referring this account to Mortimer.

annap
Not so newb
Not so newb

Posts : 53
Join date : 2018-08-12

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by waylander62 on Wed Jan 23, 2019 9:27 pm

ok

well you need to fill in the form where necessary, basically disputing and requesting documentation that you are entitled to in a separate letter.
ie what i have listed above

send an official CCA request too with a payment of £1 in the form of a postal order and mark clearly that the £1 is for the statutory fee ONLY and not to be used for any other purpose this is for a copy of the original agreement.

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by annap on Wed Jan 23, 2019 10:22 pm

Thanks for your help. So I dispute the debt and send a letter requesting all above documents. And CCA request. Can they still issue court proceeding when I start a dispute?
Do I mention in the letter that I have requested these documents from Cabot already on numerous occasions or it doesn't matter now?
Sorry I have never done it before I feel like a blind man at this moment. I need to put my head around it.

annap
Not so newb
Not so newb

Posts : 53
Join date : 2018-08-12

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by waylander62 on Wed Jan 23, 2019 11:06 pm

no they should not issue proceedings until they have provided the documents requested, which is why we respond in the correct manner to a letter before claim.

no need to mention previous requests although you can if you wish.

not easy at all, use it as a learning curve.

personally i would also send a full SAR request to the original creditor, not everybody agrees with this but the choice is yours.

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by annap on Wed Jan 23, 2019 11:14 pm

What if they will be able to provide CCA? Will I still have a chance for settlement with them or they can go straight to court without further notice?

annap
Not so newb
Not so newb

Posts : 53
Join date : 2018-08-12

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by waylander62 on Wed Jan 23, 2019 11:48 pm

if they provide the documents and they are 100% accurate then you can discuss some form of settlement

even if they do take it to court you can still come to a settlement if you so wish.

but at this stage challenge them to prove the debt exists and is enforceable, and check for PPI too.

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by Mrblue on Thu Jan 24, 2019 6:08 am

Sorry to both of you for jumping in, but I hope it also helps annap as well as anyone else reading this thread; may I ask Waylander62 what purpose (in the context of this situation) a data subject access request would/could serve here? That’s not to doubt whether a SAR is needed, it’s just to see how it could help? :-)

Thank you and good luck annap!
Mrblue
Mrblue
Moderator
Moderator

Posts : 258
Join date : 2017-06-11

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by annap on Thu Jan 24, 2019 9:02 am

MRblue2017 as for me it is fine. I appretiate any helpful input at this moment. Have to learn as much as possible. Waylander62 thanks again. I will prepare CCA during a weekend. I will post it here if you don't mind so you can let me know if its fine or I should change or add anything.
oh, actually should I state in the letter that I don't acknowledge this debt or just say that I request above documents before further communication with them? Thank you

annap
Not so newb
Not so newb

Posts : 53
Join date : 2018-08-12

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by daveiron on Thu Jan 24, 2019 9:29 am

Hi annap, I dont want to jump in either. Waylander is the guy when it reaches this stage.
I do agree doing an SAR to the original creditor is good advice .I discovered through mine that the OC
could only provide the original agreement as a copy in 2 halves instead of one complete page. What you
should receive from OC should be accurate .DCAs cannot be trusted.

I presume you have done everything via recorded mail ?
daveiron
daveiron
Admin
Admin

Posts : 1644
Join date : 2017-01-17

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by Mrblue on Thu Jan 24, 2019 10:02 am

Thanks DaveIron, I now see the significance of a SAR in this context ie that we can subsequently compare the OC’s CCA component (and even then ONLY when the OC’s CCA is 100% correct) with whatever the debt purchaser produces... ;-)
Mrblue
Mrblue
Moderator
Moderator

Posts : 258
Join date : 2017-06-11

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by annap on Thu Jan 24, 2019 10:18 am

Hi daveiron, yes all post post via recorded mail.
Ok guys so I will send SAR also. Yes I can see that Waylander hepled many before so I am hoping not everything is lost. Thank you

annap
Not so newb
Not so newb

Posts : 53
Join date : 2018-08-12

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by daveiron on Thu Jan 24, 2019 1:21 pm

Nothing is lost until the judge says its lost ,even until court day as they may not turn up. Just hold your nerve.
daveiron
daveiron
Admin
Admin

Posts : 1644
Join date : 2017-01-17

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by waylander62 on Thu Jan 24, 2019 1:50 pm

@annap wrote:MRblue2017 as for me it is fine. I appretiate any helpful input at this moment. Have to learn as much as possible. Waylander62 thanks again. I will prepare CCA during a weekend. I will post it here if you don't mind so you can let me know if its fine or I should change or add anything.
oh, actually should I state in the letter that I don't acknowledge this debt or just say that I request above documents before further communication with them? Thank you

just simply request documents that you are entitled to see, no need to go into any further detail, once they have provided evidence then it can be re assessed and you can then respond to any further letters you receive ( and they will continue)

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

Cabot- is there a realistic chance to fight them? - Page 2 Empty Re: Cabot- is there a realistic chance to fight them?

Post by Sponsored content


Sponsored content


Back to top Go down

Page 2 of 6 Previous  1, 2, 3, 4, 5, 6  Next

Back to top


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