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Moon phases


Advice needed for dealing with a dca

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Advice needed for dealing with a dca Empty Advice needed for dealing with a dca

Post by danta007 on Mon Nov 12, 2018 7:22 pm

Hi, as the title suggests I am in need of some advice.

I have been contacted recently by cabot about an alleged debt owing to a credit card, they have not bought the debt just acting on behalf of the credit card company. I have disputed this debt with other dca since early 2013 (cca and 3 letter each one ,no paperwork has ever been presented previously) and have had about the last 3 years of silence until now.

My question is: should I bother to cca this dca first or just go straight to the 3 letters?
:and do I use the new 3 letters?


any advice would be helpful. Thanks

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Post by daveiron on Mon Nov 12, 2018 7:54 pm

Hi danta,

Yes start the new letters . Always better to rebut than ignore.
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Post by danta007 on Mon Nov 12, 2018 9:33 pm

Hi daveiron thanks for the quick reply.

so just to carify, don't bother with the cca just fire the 1st of the new 3 letter at them?


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Post by daveiron on Mon Nov 12, 2018 9:57 pm

Yes up to you .If its worked before may as well use it again.
Looks like its comeing up to be statute barred. just try to string it out .
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Post by waylander62 on Mon Nov 12, 2018 10:05 pm

if you have been disputing the debt since early 2013 then i would guess that the last payment made was before then ?

do you have any paperwork of your own for this ? eg a default notice issued by the original creditor ?

are you sure this has not been sold ? unlike cabot to chase debts for anyone but themselves ?

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Post by danta007 on Tue Nov 13, 2018 6:30 am

Hi waylander,

I think the disputed debt payment would of been more towards the very beginning of 2013

the only paperwork I have is when I disputed with the first dca

the original card company sent a letter saying they have "assigned" the account to cabot, nothing about being sold

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Post by daveiron on Tue Nov 13, 2018 9:48 am

Send the letters for purchasers , If they have given you a timescale ,respond just before then.
The letters require copy of default and assignment notices. so that will let you know the default date. Which i would guess is approaching the 6 years & thats why they have contacted you now. Play for time.

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Post by danta007 on Tue Nov 13, 2018 7:39 pm

Great ive got the form ready for posting, when should I post as there is no deadline attached?,
it looks like a standard set up your account and pay form.

on a side note upon reading the form they are stating that they have bought the debt which seems contradictory to the cc company's covering letter which states the account has been assigned to cabot.

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Post by danta007 on Tue Nov 13, 2018 7:50 pm

does anyone know cabot ceo's name and address to put on the form?

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Post by daveiron on Tue Nov 13, 2018 9:05 pm

I dont know what form they have sent you .DO-NOT-USE-IT.
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Post by daveiron on Tue Nov 13, 2018 9:07 pm

The notification its been assigned ,means the rights and title (usually) have been passed (sold) to Cabot
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Post by danta007 on Tue Nov 13, 2018 9:18 pm

sorry for my last reply I didn't make it clear, I was wanting the ceo name and address for the 1st of the 3 letters as that's what it is asking for to put on or should I just put cabots address and just to "dear sir/madam"

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Post by daveiron on Tue Nov 13, 2018 9:19 pm

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Post by danta007 on Tue Nov 13, 2018 9:39 pm

the only person refered to by name is Deborah green customer operations director.
the registed office is right on that link so should I address it to mr ken? or Deborah


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Post by waylander62 on Tue Nov 13, 2018 10:42 pm

when they assign a debt then it means that they have allegedly sold it

so cabot are now the new 'owners' of the debt.

i am not sure what you mean by the disputed debt payment ? are you saying you made a payment against this debt in early 2013 ?

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Post by Ausk on Wed Nov 14, 2018 8:05 am

If it were me and there was no stated return date on it then I would not return it.

Who knows; they may not be wanting it for another year or so - (theoretically speaking.)

If they ever hit me about i'd say I spent all that time wondering when I should send it back but I couldn't make up my mind.

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Post by danta007 on Wed Nov 14, 2018 7:03 pm

cheers for the advice, ill wait until they sent another letter(probably be a nasty full of threats) before sending letter 1, string it out a bit.

on an off topic side note: why cant you reply from a mobile phone? I can read all comments but theres nowhere to reply so I have to wait until I get on the old pc

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Post by danta007 on Fri Nov 23, 2018 8:45 pm

hi,

Its been over 2 weeks now and I haven't recived any other letters from them? ive had a couple of generic messages(no idea how they got my number) just stating please get in contact but apart from that nothing else.

I would of thought they would have been on my case hard.

should I just hang on and wait for a letter before sending letter 1(drag it out longer) or should I just send it anyway?

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Post by danta007 on Mon Nov 26, 2018 7:47 pm

recived a letter off cabot.

looks like a generic "we want to help you with your debt so please get in touch" letter.

ill send off the 1st letter, see how well that goes down

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Post by danta007 on Tue Jan 01, 2019 7:42 pm

Happy new year to you all.

I had sent off the second letter and was just about to send them the third when this dropped through the letter box.

Advice needed for dealing with a dca 20190110
Advice needed for dealing with a dca 20190111

i don't really know what there on about? should i just send off letter 3?

cheers

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Post by daveiron on Tue Jan 01, 2019 8:59 pm

Hi, Yes send the next letter. It appears one again that these low lives purchase these alleged debts with no documents to verify their claim.
You will notice if you read the questions you asked them , they have just obfuscated the answers .
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Post by Mrblue on Wed Jan 02, 2019 9:56 pm

Dave is right, just stick to the three letter system.  The low lives play games / mince with your words / deliberately do not respond to specific points / will say stuff like “we are aware this is a template” (they use templates and who cares if it’s a template - facts are facts and the content ie documents we require are our entitlement...) / will say “we have checked with our legal department and recommend you seek legal advice” etc - blah, blah blah to SCARE you.

Hence low lives... What a shameful way to make a living when they do not have the appropriate legal documents etc to substantiate their claim and instead rely on the assumption that we lack knowledge and therefore may be fearful of them...

It’s a game - have fun...

I’m well into this regarding this process with considerable alleged ‘debts’ in total split in portions of less than £5k. Not a penny repaid to date (oops, except postage!)


Regards

MrBlue2018


Last edited by assassin on Wed Jan 23, 2019 1:58 am; edited 1 time in total (Reason for editing : Spelling mistakes)
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Post by danta007 on Tue Jan 22, 2019 10:07 pm

Hi, Thank you all for the needed advice and encouragement it is most appreciated.


after sending off the 3rd letter I got this as a response:

Advice needed for dealing with a dca 20190112

your right in that there playing silly games as I cant ever remember making an actual complaint? well if they want to waste time that's fine by me Laughing

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