The GOODF Approach
Would you like to react to this message? Create an account in a few clicks or log in to continue.
Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» The infamous DP continus
by urchinatheart Yesterday at 3:01 pm

» Call to the DVLA
by urchinatheart Yesterday at 2:36 pm

» BEWARE OF TSB BANK
by daveiron Sun Mar 17, 2024 6:53 am

» SAR dispute
by RaspberryBlu Sat Mar 16, 2024 7:18 pm

» Help / Advice needed on ongoing neighbour harassment
by memegirl777 Sat Mar 16, 2024 5:51 pm

» United Kingdom? Really?
by assassin Sat Mar 16, 2024 4:17 pm

» DWP and HMRC alleged debts
by assassin Wed Mar 13, 2024 7:20 pm

» Serial Posty been awarded £10'000 for a fake bite
by memegirl777 Wed Mar 13, 2024 3:05 pm

» HSBC advice please.
by Trishiapp28 Wed Mar 13, 2024 7:36 am

» He is going to save us again
by flyingfish Sun Mar 10, 2024 12:00 pm

» Government fraud
by midnight Sun Mar 10, 2024 7:01 am

» THIS IS THE ONE ?
by daveiron Sun Mar 10, 2024 3:45 am

» how to remove a shareholder?
by scrwm Fri Mar 08, 2024 12:06 pm

» I DO NOT CONSENT [62%] - ReformUK got 5% of the electorate. Labour 17%
by badvoc Thu Mar 07, 2024 12:25 pm

» What can ai do about Santander
by Godfastro Thu Mar 07, 2024 11:47 am

» Useful videos Council Tax
by daveiron Tue Mar 05, 2024 10:05 pm

» broadcaster vs me
by scrwm Tue Mar 05, 2024 4:37 pm

» The new GOODF process works
by urchinatheart Tue Mar 05, 2024 10:45 am

» Worth a watch
by LionsShare Tue Mar 05, 2024 9:11 am

» Farmers IsThis What's Needed?
by LionsShare Mon Mar 04, 2024 8:46 pm

» Debt Bomb 11
by Biggiebest Sun Mar 03, 2024 10:05 pm

» accepted dca alleged debt
by Mrblue2015 Sun Mar 03, 2024 5:09 pm

» DVLA
by daveiron Fri Mar 01, 2024 9:20 pm

» Solicitors contacted me via e-mail asking for money.
by Kaddabriol Thu Feb 29, 2024 2:12 pm

» Claiming again
by LionsShare Thu Feb 29, 2024 11:07 am

» Useful Utility Vids
by LionsShare Wed Feb 28, 2024 1:59 pm

» what the bank of england runs the country?
by LionsShare Mon Feb 26, 2024 3:54 pm

» know who you are volume ??
by LionsShare Mon Feb 26, 2024 12:19 pm

» New Member
by daveiron Mon Feb 26, 2024 11:55 am

» Learning New Skills _Pt 2 Buying Tools
by assassin Mon Feb 26, 2024 4:35 am

» Learning New Skills _Pt 2 Buying Tools
by assassin Mon Feb 26, 2024 4:33 am

» Learning new Skills Part 1
by assassin Mon Feb 26, 2024 4:27 am

» General Equity?
by LionsShare Tue Feb 20, 2024 7:03 pm

» Visit by appointment notice
by Moonbabymum Tue Feb 20, 2024 4:37 pm

» Discussion on Info'd Vids
by LionsShare Tue Feb 13, 2024 11:52 am

» debts loans mortgages etc (tear off slips?)
by LionsShare Mon Feb 12, 2024 3:54 pm

» Quick one
by Lopsum Sun Feb 11, 2024 6:03 pm

» debt settlement payoff
by daveiron Sat Feb 10, 2024 10:58 pm

» Council tax and summons for arrest
by LionsShare Fri Feb 09, 2024 2:17 pm

» Council Tax (getting answers)
by LionsShare Fri Feb 09, 2024 12:57 pm

» council tax 1st of april
by daveiron Sun Feb 04, 2024 9:46 pm

» DSAR
by daveiron Sun Feb 04, 2024 9:28 pm

» Warning about a previous post
by Mrblue2015 Sat Feb 03, 2024 5:10 pm

» Please leave a comment on this site
by daveiron Fri Feb 02, 2024 10:01 pm

» Lithiun Battery Dangers
by badvoc Fri Feb 02, 2024 1:52 pm

» its a trap
by LionsShare Thu Feb 01, 2024 9:49 am

» Car In Trust
by LionsShare Tue Jan 30, 2024 3:05 pm

» Honest Nottingham Po-lice
by assassin Sat Jan 27, 2024 4:11 am

» Why you rebut a complaint
by assassin Sat Jan 27, 2024 4:05 am

» Village Winter
by assassin Sat Jan 27, 2024 4:03 am

» Sand Batteries
by assassin Tue Jan 23, 2024 5:45 pm

» Hoist Portfolio Holding Limited
by Indebttoo Mon Jan 22, 2024 11:03 pm

» Occupier
by assassin Sun Jan 21, 2024 5:27 pm

» Electric Vehicles
by assassin Sun Jan 21, 2024 4:54 pm

» *** URGENT *** PLEASE HELP
by daveiron Fri Jan 19, 2024 10:02 pm

Moon phases


Cabot advice

+4
Mrblue2015
daveiron
1saberwow
mitch
8 posters

Page 1 of 4 1, 2, 3, 4  Next

Go down

Cabot advice  Empty Cabot advice

Post by mitch 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.

mitch
Very helpful
Very helpful

Posts : 377
Join date : 2017-05-27
Location : Northumbria

Back to top Go down

Cabot advice  Empty Re: Cabot advice

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

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

1saberwow
Not so newb
Not so newb

Posts : 87
Join date : 2017-06-03

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by mitch 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?

mitch
Very helpful
Very helpful

Posts : 377
Join date : 2017-05-27
Location : Northumbria

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by daveiron 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.
daveiron
daveiron
Admin
Admin

Posts : 4892
Join date : 2017-01-17

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by mitch 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

mitch
Very helpful
Very helpful

Posts : 377
Join date : 2017-05-27
Location : Northumbria

Back to top Go down

Cabot advice  Empty Re: Cabot advice

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

Personally I would just keep it simple & follow the usual process.
daveiron
daveiron
Admin
Admin

Posts : 4892
Join date : 2017-01-17

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by mitch 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

mitch
Very helpful
Very helpful

Posts : 377
Join date : 2017-05-27
Location : Northumbria

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by mitch 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)

mitch
Very helpful
Very helpful

Posts : 377
Join date : 2017-05-27
Location : Northumbria

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by daveiron 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 .
daveiron
daveiron
Admin
Admin

Posts : 4892
Join date : 2017-01-17

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by Mrblue2015 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...)
Mrblue2015
Mrblue2015
Moderator
Moderator

Posts : 2468
Join date : 2017-06-11

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by mitch Sat Jun 01, 2019 5:59 pm

Now in receipt of the findings of their 'investigation'.
A three page pdf file is here with identifiers blocked out:
https://drive.google.com/open?id=1itmrydD_0rxJx4eTf0-3oc4SfkOcKX_g

Their selective definition of 'fraudulent activity' is interesting'.
They say because i have made some repayments, this is 'clear acknowledgement' of the alleged debt.
They have no obligation to provide me with the info requested under the Money Laundering Regulations 2007; that they rely on the due diligence of the OC and that they are ‘entitled to any monies due under the agreement’.
They will not be sending me a DOA because it’s ‘a confidential doc that relates to a batch of accounts’.
They claim irrecoverable estoppal by acquiescence has no basis in law and irrelevant.  
They say Section 40 of the Administration of Justice Act 1970 does not apply in my circumstances.
There is no Deed of Novation.
The matter does not relate to any Bills of Exchange, which are used in international trade. They have proof of ownership of the account
If the loan account was opened in 2013 does that mean it's now statue barred.? Or is from when repayments ceased?  Could someone confirm this please? Could I also have some assistance in putting together a response lawfully refuting all their claims?


Last edited by mitch on Sun Jun 02, 2019 7:22 pm; edited 2 times in total

mitch
Very helpful
Very helpful

Posts : 377
Join date : 2017-05-27
Location : Northumbria

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by daveiron Sat Jun 01, 2019 7:41 pm

Hi mitch,
Which letters did you use ,originals or new ? If you used the new ones there are many things listed
which they have ignored ,at the very least you require a copy of the default notice a copy of any agreement
and notice of assignment.Also look at the new letters and tell them you require these things also.

Statute barred starts from the date of last payment ,but may be better to rely on date of default notice.
daveiron
daveiron
Admin
Admin

Posts : 4892
Join date : 2017-01-17

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by daveiron Sat Jun 01, 2019 8:06 pm

Sorry that should have read ' date of first missed payment'
daveiron
daveiron
Admin
Admin

Posts : 4892
Join date : 2017-01-17

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by mitch Sun Jun 02, 2019 8:44 am

I used the original letters
https://goodf.forumotion.com/t41-the-3-letters-process

Should i ask for what's on "New 3 letters for Debt Purchasers" or "New Alternative letters for DCA's ( acting as agents)" ?

mitch
Very helpful
Very helpful

Posts : 377
Join date : 2017-05-27
Location : Northumbria

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by daveiron Sun Jun 02, 2019 9:01 am

Hi mitch,

Cabot are purchasers, These are the ones I would use or at this stage at least use some of the content.
An SAR to the OC may also be helpful.
https://goodf.forumotion.com/t1131-new-3-letters-for-debt-purchasers
daveiron
daveiron
Admin
Admin

Posts : 4892
Join date : 2017-01-17

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by mitch Sun Jun 02, 2019 9:33 am

Thanks Dave, would it be advisable to abandon the current estoppal schedule due 7th June and start over with these letters?

mitch
Very helpful
Very helpful

Posts : 377
Join date : 2017-05-27
Location : Northumbria

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by daveiron Sun Jun 02, 2019 9:48 am

Up to you really, I would however at least send one.You will then have asked if its been sold previously or an insurance claim made against it.Of course for obvious reasons they will not answer these as it will expose the scam.
daveiron
daveiron
Admin
Admin

Posts : 4892
Join date : 2017-01-17

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by mitch Mon Jun 03, 2019 9:45 am

Give SAR to local bank branch or send to head office?

mitch
Very helpful
Very helpful

Posts : 377
Join date : 2017-05-27
Location : Northumbria

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by daveiron Mon Jun 03, 2019 10:22 am

Head Office .
daveiron
daveiron
Admin
Admin

Posts : 4892
Join date : 2017-01-17

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by mitch Tue Jun 04, 2019 8:21 am

There's two SAR templates on the site, which is recommend, I'm guessing the more recent entry?
The older template mentions a £10 fee but ico.org.uk says no and only to charge a fee for further copies
https://goodf.forumotion.com/t370-subject-acess-request
https://goodf.forumotion.com/t3317-sar-template

mitch
Very helpful
Very helpful

Posts : 377
Join date : 2017-05-27
Location : Northumbria

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by Mrblue2015 Tue Jun 04, 2019 8:41 am

I would recommend you use DI's one:

https://goodf.forumotion.com/t3317-sar-template

There is no fee. In fact I once enclosed a postal order for £1 (to cover the cost of a copy of the CCA) and it was returned by the bank.
Mrblue2015
Mrblue2015
Moderator
Moderator

Posts : 2468
Join date : 2017-06-11

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by mitch Sat Jun 29, 2019 1:20 pm

20th June response (received on 26th) to debt purchaser letter 1, sent on 8th June (haven't sent letter 2 and 3 as i'd already sent the three original letters):

https://drive.google.com/open?id=1HgFstv2GLi3D-BYZntvcAhyY2i_cSxij

They also sent copy of a letter sent to previous address in May 2018 that i didn't receive stating they have bought the debt, a copy of the bank loan agreement signed by me in 2013 and loan repayments statements.

Had a letter from the bank saying they're processing SAR request and will send it soon.

Any advice on how best to proceed would be most appreciated

mitch
Very helpful
Very helpful

Posts : 377
Join date : 2017-05-27
Location : Northumbria

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by Mrblue2015 Sat Jun 29, 2019 1:36 pm

You need to remove that link ASAP else everyone can read it (ie inc trolls...)


Yep they’re full of crap sending you a letter that is dated almost a week before you get it (all part of their cynical tactics).

Send Debt Purchaser letter 2. Keep calm and carry on as they say. Only wait 10 days between you sending your letters and regardless what they send.

Mrblue2015
Mrblue2015
Moderator
Moderator

Posts : 2468
Join date : 2017-06-11

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by mitch Sat Jun 29, 2019 3:11 pm

ok but i did remove all the identifiers in the letter

mitch
Very helpful
Very helpful

Posts : 377
Join date : 2017-05-27
Location : Northumbria

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by daveiron Sat Jun 29, 2019 3:31 pm

They have conveniently avoided the questions that no OC or purchaser will answer.

You require to know if the alleged account has been sold or traded at any time (this is standard banking practice)
You require to know who now holds the original agreement or is it in existence.
They may not have made an insurance claim ,this is not what you asked .You asked if one has ever been made.
(again this is standard banking practice).
As the alleged agreement is a promissory note ,they should be able to produce it ,will they then return it to you upon payment ?

These are things that are in the letters but no one ever pushes for answers when these questions are ignored.
daveiron
daveiron
Admin
Admin

Posts : 4892
Join date : 2017-01-17

Back to top Go down

Cabot advice  Empty Re: Cabot advice

Post by Sponsored content


Sponsored content


Back to top Go down

Page 1 of 4 1, 2, 3, 4  Next

Back to top

- Similar topics

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