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Moon phases


Cabot advice

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Cabot advice  Empty Cabot advice

Post by mitch on Sat Apr 13, 2019 8:56 pm

I started the 3 letter process with HSBC in March 2014 over a 3k loan dispute.
It was passed to a DCA and I dealt with them using the letters and heard nothing back. Then I moved address a couple of times.
My wife put me on the electoral role earlier this year without asking me. Last week, I got a letter from Cabot (see attached) asking for the 3k. Does anymore know if DCAs are lawfully permitted to obtain an address via the electoral role? How else could they have got current address? I'm going to fight it with the 3 letter process as can't afford it and with whatever solicitor they enlist but what are my chances of avoiding court or DCAs at the door? Any advice would be most appreciated.

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Post by 1saberwow on Sat Apr 13, 2019 11:19 pm

Hi. Cover up those scan boxes and any identifying numbers and letters.

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Post by mitch on Mon Apr 15, 2019 2:41 pm

Is it advisable to include a copy of the removal of implied right of access notice or anything else along with letter 1?

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Post by daveiron on Mon Apr 15, 2019 2:49 pm

Hi mitch,

It wont hurt to to sent one ,although its unlikely one will call.
Re the electoral register ,there are 2 . one that anyone can access & one that I believe requires a fee.
I'm not up on the details as I have not been on it for years.
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Post by mitch on Mon Apr 15, 2019 3:07 pm

Ok thanks for that. Would it be worth mentioning to Cabot their unlawful use of an in-house solicitor ('Mortimer Clarke') as we saw in annap's case and warning them off with a potential lien if they go that route?
The only address on their letter is a PO Box, am i ok sending it to that by RD?
EDIT: there's a registered office address on there so i'll send to the letter author via that address not the PO box

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Post by daveiron on Mon Apr 15, 2019 3:25 pm

Personally I would just keep it simple & follow the usual process.
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Post by mitch on Wed May 08, 2019 11:12 am

Third letter sent yesterday. I haven't had anything back from them which I thought was strange as I had several threat letters with the last DCA a few years ago. Just thought I'd update thread in case anyone's watching

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Post by mitch on Sat May 11, 2019 8:29 pm

Here's the response to letters 1&2 from their 'Dispute Handler' . Not sure what they mean by no formal request for documentation.


Cabot advice  Photo_14[/url]


Last edited by mitch on Sun May 12, 2019 2:08 pm; edited 4 times in total (Reason for editing : Remove ID)

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Post by daveiron on Sat May 11, 2019 9:11 pm

Of course you have made a formal request in the letters, can they not read.

Be a good idea to blank out that line of identifing info .
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Post by Mrblue on Sun May 12, 2019 9:13 am

Ignore the letter and await their response to your third letter. Then send the estoppel (elsewhere on this site). And you must cover up anything that identifies you (account ending, the amount, anything that could identify you inc any barcodes etc on the letter and as DaveIron says - all should be relatively obvious to pick out...) otherwise you’ll make things harder for yourself I’m afraid (DCAs etc monitor this site...)
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