Re: Cabot contacted me about alleged debt

by waylander62 Tue May 30, 2023 1:06 pm

unfortunately i cant really tell regarding the default notice from what you say in your reply,

" if these aren't paid by a certain date" ? there should only need to be 1 payment to rectify a default notice ? and a date by when this payment should be made.

in respect of what flyingfish has suggested, having seen what i have now seen i think it would be a good idea to do a CCA request to the DCA.

it looks a bit complicated as it now appears to me that you opened an account with a company who then used a well known credit card company to provide credit so your agreement is with the well known credit card company ?

this is how i am reading things.

by flyingfish Tue May 30, 2023 5:10 pm

manabout wrote:Hi flyingfish

Honestly im not really sure, im rather new to all this and dont know enough about anything to know if your suggestion is a good idea or not im afraid to say this isnt me criticising or refusing it just admitting my incompetence at understanding what it would do or entail.

For accounts regulated by the Consumer Credit Act, the act gives you the right to request certain documents from the alleged creditor, and if these aren't supplied the the creditor is not entitled to enforce the agreement. The relevant section for a credit card or catalogue or any running credit agreement is 78 (a loan would fall under 77) ..
https://www.legislation.gov.uk/ukpga/1974/39/section/78

Here's a bit of explanatory blurb from the customer's viewpoint ..
https://www.nationaldebtline.org/fact-sheet-library/credit-agreements-getting-information-ew/

And here from the creditor's side, the rules they need to follow ..
https://www.handbook.fca.org.uk/handbook/CONC/13/1.html

by manabout Sat Jun 24, 2023 4:58 pm

Hi every one ive not been on due to covid running through my house and have only just started getting better myself. I just received a interesting letter from them though so had to post. They are still referring to this as a complaint and say they should have an answer to my dispute withing 8 weeks lol what dispute? Jesus these ass hats. One difference is they now say my complaint is regarding harassment instead of calling just a blank dispute.

Just checking but im assuming the next step is letter 3 of the noca?

by **daveiron** Sat Jun 24, 2023 5:34 pm

Yes notice 3.
It is best to rebut all the other letters from them attempting
to turn it into a dispute.Something along the lines of;
I rebut your continued assumption that i have made a complaint or raised
a dispute. This matter is being dealt with privately with your CEO.

by manabout Sun Jun 25, 2023 9:15 am

Hi Dave, thanks ill try to get them composed and sent out thursday when i get paid or atleast ill get a family member to lol

Thanks again and sorry for delay

by manabout Wed Jul 26, 2023 10:24 am

Hi all i think i may need a little more help. I have received q response to the noca and they are pretty much refuting it all. They also refuse to provide it kinda alot to try and explain so ill just post a picture of the letter. As well as these they have sent me a copy of the oc credit agreement so called credit agreement that tbh i still dont understand if its even legit. They also have sent out another letter from their solicitors wanting more info from me.

Cabot contacted me about alleged debt - Page 5 20230711

Cabot contacted me about alleged debt - Page 5 20230710

by waylander62 Wed Jul 26, 2023 11:16 am

have they sent you a notice of assignment ? as they are claiming ?

i believe that you have the results of the DSAR from the OC ? was there a notice of assignment within the DSAR bundle ?

they will be getting prepared to take this to court now

by manabout Wed Jul 26, 2023 11:41 am

@waylander62 ok so this is weird ive found the alledged notice of assignment in this bundle but ive just searched through the original dsar from oc and there was no notice of assignment sent with it.

Im 90% sure this was never sent to me and whats making me even more suspicious is letter style is the new style and not like the copies they sent out before. Is it possible they have made this now and dated it earlier?

Can they refuse to show me a deed of assignment and refuse the other documents requested in the noca?

Also on a scale of 1 to 10 how screwed am i?

Damn it i cant handle the stress of court

by waylander62 Wed Jul 26, 2023 12:31 pm

no there never is one from the OC in any dsar i have seen

in the bundle you refer to is there just one notice ? and who is it from ?

they pray on your fear, and by your responses can also tell if you know what you are doing or are easy prey.

by **daveiron** Wed Jul 26, 2023 1:20 pm

I will get back to you with a response, in the mean time have a look at
this;
https://sites.google.com/view/deed-of-assignment-access/home

That letter is just the usual BS ,You do have the right to a copy of the DoA,
You have sent notices of conditional acceptane NOT a complaint.
there is so much they have not addressed.
Your notices were sent privately to the CEO ,not to some minion who is
trying to turn it into a complaint ,which it is not.

by **daveiron** Wed Jul 26, 2023 2:15 pm

Try this;

I am in receipt of your unsigned letter dated xxxxx

As you have decided to intermeddle into private correspondence between myself
and xxxxxxx CEO of your corporation ,and have made unfounded allegations in
regard to said correspondence I now require you provide your name and signature.

Cabot have received (confirmed by Royal Mail) 3 Notices of Conditional Acceptance.
Those Notices very clearly stated they were not a complaint or a dispute. I therefore
require your reason for attempting to alter the contents of said Notices by claiming a
complaint or dispute exists.

Deed of Assignment ; You appear to have made a legal determination regarding the
Lord Denning judgement ,please provide a copy of your legal qualifications .

You have incorrectly stated I have no entitlement to view the Deed of Assignment
pertaining to the alleged account. I therefore refer you to additional case law on the
subject; Right to see Deed Appeal Court Promontoria (Oak Ltd v Emanuel [2021]

I require you provide evidence to show if Assignment is Equitable or Legal assignment.
Should you still persist in your belief that I have no right to see the Deed ,be aware that
if you should decide to litigate ,said Deed would be requested for in court.

Your CEO has not only breached confidentially but has failed to address the points
in the Notices and has also failed to make any rebuttal.

I will not be engaging with any third party (Mortimer Clark) or any other interloper
with whom I have no contract and therefore on obligation to.

May I suggest you pass this letter to your CEO ,from whom I still await answers to
validate any claim.

by manabout Wed Jul 26, 2023 2:31 pm

Omg thank you so much @daveiron i wasnt expecting you to do this for me but im extremely grateful for it none the less, i couldnt have ever written anything even close to that.

Since the letter came ive been panicking id screwed up again and was raking my mind trying to work out if i could even afford to try and make a offer, just reading the advice and support here is making me want to break down and cry.

Thank you so much ill fill in the xxx's and send it out. Should i continue with the noca's too or put this on hold. For real this is all so distressing and i see why people fold im feeling close

by **daveiron** Wed Jul 26, 2023 2:43 pm

No problem, its a usual type of response to the notices ,
Carry on with the Notices asap you should by now be up to the 4th and
final one,if not get them out now 7 days apart.

Their attempt with the 'complaint / dispute BS is to bring controversy.
No controversy ,nothing for a court to decide upon.

by manabout Thu Jul 27, 2023 11:54 am

Thank you again, sorry my responses are intermittent im on public wifi or borrowing a friends phone so arent able to respond as fast as id like to be able at the moment.

I have just sent out the response to them and will continue the noca tomorrow. Do you have any recommendation for which of the 4th notices to use? Or does it not matter.

Sorry for being such a pain, i keep letting my emotions destroy my logic and spiralling back to panic whenever they send a response. I know its fear tactics but this one felt harder then the rest. Thank you all for reassuring me and putting up with my bs if it wasnt for this site im not sure how i would cope with all this. I know its allegedly my fault but after reading and learning on here i genuinely feel like its me that's been scammed by these foul people now.

by **daveiron** Thu Jul 27, 2023 12:57 pm

I would use the one titled 4th and final notice.

I am not totally happy with the affidavit one & in any event that would
need to be notorised or at least signed by 2 witnesses

by **urchinatheart** Sat Jul 29, 2023 1:03 pm

It seems the main purpose of the money system is to play upon our emotions and drain us of the energy we need to think clearly. The communications are worded to induce fear, guilt and shame, until we believe that we have behaved badly and need to be punished. It is not your fault or your failing that you lacked knowledge or emotional strength to find the knowledge and create notices from it. The members here have given their time and energy freely to research and help all who are willing to engage intelligently, as you are doing. Please remember this, and when you are feeling stronger, lend your time and energy to other scared seekers here. If more folk would return here after being helped, then more new people could find strength, as you have done.

by manabout Sat Jul 29, 2023 3:29 pm

Thanks daveiron, ill get that one sent out asap.

Ill definitely try to help here if im successful not sure how much i can be of use to anyone considering how dumb i sometimes feel but ill try to pay foward all the help i have received. Fr these people are scum the way they do this, when this started i went to a really dark place and honestly i wouldnt be shocked if others dont go there and beyond. Its horrible the hurt these vultures place on people knowing they are A making use of legal loops holes and B the debt is normally already paid off by insurance. These people are scum is the main lesson this place and the members have taught me.

Everyone here are amazing and doing as close to a gods work as you wish to believe Wink

by **urchinatheart** Sun Jul 30, 2023 9:08 am

In that great reply you have shown your new understanding and shared your faith in that which is greater. We are all dumb until someone helps us learn to speak. I think you will be able to help others who are still feeling dumb.

by manabout Tue Aug 15, 2023 11:53 am

Hi all im back with more bs from cabot, it really looks like they are being stubborn. Their reply even has a photocopied ink signature.

Am i screwed?

Cabot contacted me about alleged debt - Page 5 20230811

Cabot contacted me about alleged debt - Page 5 20230810

by **daveiron** Tue Aug 15, 2023 3:23 pm

Not screwed, its still distraction. You will notice they still have failed to
address your notices point by point,and are still attempting to treat this
as a complaint.

I will get back to you with a response soon.

by **daveiron** Tue Aug 15, 2023 4:18 pm

Try this;

I am in receipt of your letter dated xxxx.

As you appear unable to comprehend my previous correspondence ,I will for the
final time make my position clear.

1.Your CEO has on three (3) separate occasions been sent Notices of Conditional
Acceptance . These are Notices not letters as you refer to them.

2. You are continuing to refer to my correspondence as complaints, Take notice I
have not at any point made a complaint.

3. Your CEO ,being the head of your corporation ,having received said Notices
has failed to respond in any manner to them. His failure to do so has not only placed
him in dishonour but also in commercial default. thereby creating a tacit agreement
that (a) No debt exists. (b) Cabot is unable to provide evidence of any debt.

4. You state you will not be providing a copy of a Deed of Assignment, as such
may I suggest you consult with Mortimer Clark solicitors to who you refer ,to provide
you with the case law regarding you providing the DoA.

I take this opportunity to suggest that you pay particular attention to the contents
of my Notices , which should you decide to proceed further ,the contents of which will
be produced whenever and wherever required.

by manabout Tue Aug 15, 2023 5:21 pm

@daveiron thank you again for your continued help, im way past where i even really know what they are even doing at this point and would be lost without your help.

Do i address this to the person who sent this or to just the company? Probably a stupid question but i dont want to mess up.

Sorry if my responses are slow im still using a friends internet to check and reply.

Thanks again i greatly appreciate all the help

by **daveiron** Tue Aug 15, 2023 6:06 pm

You may as well address it to the sender.

Just one point ,not only you but others as well. no matter how stressed
any letter may cause you to be , always appear positive in your posts,
its very possible these scum may monitor this site & if they detect fear
they will exploit it.
If any concerns feel free to PM.

by manabout Tue Aug 15, 2023 6:25 pm

Hi Dave, thanks ill send it asap.

I apologise if i seem stressed im annoyed more then stressed tbh. Im learning fast the majority of these correspondences are just more scummy tactics but its getting more and more convoluted in their bs.

If anything i come away from these interactions with more knowledge and feeling slightly empowered. I have no intention of giving in to their tactics.

Im in the bank of screw them after learning how this entire industry is geared towards wanting you to fail to pay these alleged debts, and then after that they spit you out for these scum who get their money by threatening people who are already dealing with these rich peoples bad economic decisions. They can all suck the moths out of my non existent wallet.

For real for any who read this and your like me when i first came here. Dont be stressed get angry at them. They never wanted you to succeed and pay, its all a con to screw the poorest with these enticing offers and fancy words.

Tl:dr try to stay positive these scum dont deserve your stress and life.

by memegirl777 Tue Aug 15, 2023 9:06 pm

Two points ..
Firstly..
These rats also use template letters ..
That's why they all have a code somewhere around the edge ..
This is the template ref .. have a look at yours you'll see what I mean ..
Secondly ..
You'll soon be grinning in almost pity for the DCA when these BS template letters come through your door .. honestly ..
Wink

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