Cabot contacted me about alleged debt

daveiron wrote:No problems, to get you stressed is their aim.

Dont worry about deadlines they are theirs not yours.
Next step is send via 'Royal Mail signed for' a letter informing them that
you have received an email via an old account that you no longer monitor.
Inform them that any communication from them shall be via Royal Mail only
and they do not have your permission to contact you by any other method.

In the meantime study the new process especially the Notice for debt purchasers.

It would be a good idea to also send a DSAR to the original creditor (no charge)

daveiron wrote:Yes a DSAR is subject access data request.

As you dont know who the original creditor is ,send a DSAR to Cabot.

Very easy ,just word it something along these lines;

You have claimed i owe a debt to your corporation,as such this letter is
a Data Subject Access Request. Please supply any and all data you hold
for (add your name) I require your compliance within the specified time scale.


They are not dumb questions ,we all started out that way so feel free to ask
questions . Dont forget from this point onwards ,only contact via Royal Mail
and that applies to them as well. Its best if you use RM signed for but if things
are tight just get proof of posting.
Never admit a debt ,its alleged from this point.
Do not let them pressure you with time limits,these matters will take time so use
it to study the process.

manabout wrote:

daveiron wrote:Yes a DSAR is subject access data request.

As you dont know who the original creditor is ,send a DSAR to Cabot.

Very easy ,just word it something along these lines;

You have claimed i owe a debt to your corporation,as such this letter is
a Data Subject Access Request. Please supply any and all data you hold
for (add your name) I require your compliance within the specified time scale.


They are not dumb questions ,we all started out that way so feel free to ask
questions . Dont forget from this point onwards ,only contact via Royal Mail
and that applies to them as well. Its best if you use RM signed for but if things
are tight just get proof of posting.
Never admit a debt ,its alleged from this point.
Do not let them pressure you with time limits,these matters will take time so use
it to study the process.

Thank you again for responding and being understanding, i feel awkward asking people questions incase its something i should of read up on and misunderstood.

I have drafted this for the dsar would it be apropriate:

"To whom it may concern

Your Corporation has alleged a debt is owed to you that have i no KNOWLEDGE of.

For this reason i must put in a data subject access request, in order to ATTEMPT TO SUBSTANTIATE this claim.

Please provide any and all data you hold for one xxxxxxxxx i require you comply with this within 14 days through royal mail only"

Should i sign it or just use printed name, ive read they can use your signature to falsify stuff but im unsure tbh.

BY FAILING TO COMPLY WITHIN THE 14 DAYS ALLOWED YOU AGREE YOUR CLAIM IS INVALID AND YOUR CLAIM IS REBUTTED IN SUBSTANCE

Thank you again for the help

manabout wrote:Just to be clear i should add my real signature but try to make it harder for them to copy?

Mrblue2015 wrote:Before I start, none of this is a criticism. Just trying to make sure you get the most out of the advice kindly offered to you.

manabout wrote:Just to be clear i should add my real signature but try to make it harder for them to copy?

DI has already answered your question / told you what to do in advance:

“Regarding you signature, i always write 'all rights reserved' and ensure my signature
goes over part of it.” DI gave this advice to ensure people can’t lift your valuable signature out of documents by ensuring it is ‘muddled’ to an extent.

And on a general note, please make every effort to properly read the GOOD advice given to you, because as well as the above example, there are other examples where you haven’t I’m afraid.

Remember, people use their own, valuable time and for free to help people, so please do your best to ensure they don’t have to repeat their advice over and over. Thank you.

manabout wrote:

Mrblue2015 wrote:Before I start, none of this is a criticism. Just trying to make sure you get the most out of the advice kindly offered to you.

manabout wrote:Just to be clear i should add my real signature but try to make it harder for them to copy?

DI has already answered your question / told you what to do in advance:

“Regarding you signature, i always write 'all rights reserved' and ensure my signature
goes over part of it.” DI gave this advice to ensure people can’t lift your valuable signature out of documents by ensuring it is ‘muddled’ to an extent.

And on a general note, please make every effort to properly read the GOOD advice given to you, because as well as the above example, there are other examples where you haven’t I’m afraid.

Remember, people use their own, valuable time and for free to help people, so please do your best to ensure they don’t have to repeat their advice over and over. Thank you.

I apologise if im wasting peoples time with repeat or silly questions, i wasnt trying to pester anybody. Im on the spectrum and have difficulty perceiving the meaning of stuff sometimes. Even with the signature question, id read what di put but also read what assassin did too and kinda got a little confused.

Hell the only reason im even asking anything at all despite my crippling anxiety to say something wrong is that i didnt fully understand the new goodf approach properly and my stress of this debt is higher.

Again im very sorry if ive overstretched my questions, i understand this is done through voluntary basis and truly think you are all amazing for helping others thank you.