Cabot - Afrter 3 letters

by Eldeano Thu Nov 23, 2023 4:52 pm

Hi all, back in 2019 I sent Cabot the 3 letters, obviously they did not provide me with the Deed of Assignment, in 2020 they wrote to me to inform me that they could not find the docs i had requested and the debt was unenforceable but they would continue chasing me for payment (they even offered me a 75% discount lol) i have had at least 1 letter a month since then. A few weeks ago they wrote to me and told me that a company called Orbit would be coming to my house, I wrote to them and reminded them that i had in writing that the debt was unenforceable and I was being harassed and would start billing them if i had any calls, letters or visits, Orbit turned up and he was sent packing after i showed him Cabot letters, today I received an email from them and it finishes off with this;

In final response to your comments regarding irrevocable estoppel by acquiescence have no basis in
law, therefore I suggest you seek independent legal advice.
Conclusion
Considering my investigation, there is sufficient information to support that you are responsible for the
outstanding balance.
The Notice of Assignment is a sufficient document to prove that our claim is lawful, and the enclosed
agreement and statement of account provides sufficient evidence to prove your liability and that this
debt does exist.
As the balance remains outstanding, I kindly ask you to contact our Customer Operations department
by calling 0345 070 2615, to discuss the next steps you would like to take in setting up a repayment

Sorry for the long thread but does anybody have any advice on what to do next?

by **urchinatheart** Fri Nov 24, 2023 12:02 am

Seems as if they are trying to confuse you into paying !
If the debt is enforceable why are they not enforcing it ?
Also, why are you accepting emails from them ? Have you informed them that all communication is to be by Royal Mail ?
Sorry for more questions than answers, but it seems you have not taken on board all the useful free help here. Have you read and understood the excellent detailed explanations in the 'debt' section ?

by Eldeano Fri Nov 24, 2023 9:24 am

Thanks for the reply, I have not been on this forum for a few years, my bad, I sent them a letter saying to communicate by email only pale

it's done now, what would you suggest i do now? im thinking just sit it out and wait for them to come back to me?

by **urchinatheart** Fri Nov 24, 2023 1:36 pm

If by 'sitting it out' you mean 'do nothing', then you have not understood
'tacit agreement' and they can move further into depriving you of your property because you just agreed to let them do so !
No one here wishes to see you harmed but in the Bible (the Law that governs this realm) it states 'My people perish through lack of knowledge'.
If you wish to avoid 'perishing' go HERE
https://goodf.forumotion.com/f44-new-goodf-approach
and read the excellent and highly effective information before composing Your Notice to those who are hoping you will sit it out.

by **Lopsum** Sun Nov 26, 2023 10:20 am

Please upload the letter you received .

by waylander62 Mon Nov 27, 2023 12:18 pm

just a quick question

SINCE they said that the 'agreement' was unenforceable what have they sent you that has made them change their mind ?

as they now seem to think it has become enforceable

also:

have you ever sent a DSAR to the original creditor ?

do you have ANY of your own paperwork in relation to the original account ?

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