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Moon phases


Cabot reply after 3 letters

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Post by Prometheus on Fri Nov 08, 2019 4:18 pm

Hi

I sent the 3 letters to Cabot - they sent back this reply - first time I have personally seen a DCA rebutting the letter
I was wondering what your views are on their comments are and do I respond or leave it.
Many thanks for your help
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Post by daveiron on Fri Nov 08, 2019 5:24 pm

I would respond (not by phone) on a couple of points.

Your question regarding any insurance claim was "has any insurance claim ever been made in respect
of this account " they have side stepped this by stating they have not made an ins claim .Thats not
what they were asked.
Also thank them for their confirmation that no default notice exists.

Personally I would also tell them that as it is standard banking practice to securitise these agreements
whereby all rights and interests are sold . You require a statement be provided under penalty of perjury
that they hold full rights and title on this account and what they have purchased is not just a list of
alleged defaulted accounts.
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Post by Tom Bombadil on Fri Nov 08, 2019 8:47 pm

If I got to the point whereby i had sent the three letters, then I would ignore any and all correspondences from this point other than to have them charged or to send them a bill!
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Post by Mrblue on Sat Nov 09, 2019 6:08 am

Moving post to debt section
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Post by Mrblue on Sat Nov 09, 2019 6:15 am

@Tom Bombadil wrote:If I got to the point whereby i had sent the three letters, then I would ignore any and all correspondences from this point other than to have them charged or to send them a bill!

Agreed (as this is the way to follow the GOODF process) and send the Estoppel which can be found when you scroll down the following post:

https://goodf.forumotion.com/t299-the-three-letter-process-for-banks-and-credit-cards


Last edited by Mrblue on Sat Nov 09, 2019 6:46 am; edited 1 time in total
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Post by Mrblue on Sat Nov 09, 2019 6:43 am

@Prometheus wrote:Hi

I sent the 3 letters to Cabot - they sent back this reply - first time I have personally seen a DCA rebutting the letter
I was wondering what your views are on their comments are and do I respond or leave it.
Many thanks for your help

Good luck to them without the default notice too. A screen shot from them will NOT suffice:

https://www.legislation.gov.uk/ukpga/1974/39/section/87

What you will come to realise is that these idiots will write stuff in such a way as so make you think you’re in the wrong and they are in the right. Sometimes they’ll play dumb too. It’s all part of their shameful  tactics and as DI in effect points out, in all likelihood the account they have for you started out as a row in a spreadsheet of MANY accounts with little if any LEGALLY REQUIRED documentation to accompany these accounts.
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Post by daveiron on Sat Nov 09, 2019 8:41 am

Agree with mr blue,

You will see that when documentation is requested ,all of them have to go back to the OC
to get any docs.this shows all they have in the first place is nothing more than a list.
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Post by Stevro on Sat Nov 09, 2019 4:27 pm

@Tom Bombadil wrote:If I got to the point whereby i had sent the three letters, then I would ignore any and all correspondences from this point other than to have them charged or to send them a bill!

I would say keep engaging with them. Not because you need to, although it may be prudent, but because it will keep them busy and therefore under-resourced.

I try to keep them on the phone now for as long as possible. I stay polite but take great pleasure in explaining the entire debt based system to them, encouraging them to learn and educate themselves. I think approx 40 mins is my record to date.

You'll find they call less and less as they'd rather go for fools who admit debt and offer to pay 'something' every month.


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Post by Prometheus on Sat Nov 09, 2019 5:12 pm

Brilliant - thank you everyone for your input - great learning
I will respond

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Post by daveiron on Sat Nov 09, 2019 5:27 pm

Never contact them by phone ,the call will be recorded & one slip on your part will be admittance
of the debt and will be used against you. They are trained for just that.
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Post by Prometheus on Sat Nov 09, 2019 5:33 pm

Thank you - I never speak with them - always all in writing

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Post by Mrblue on Sat Nov 09, 2019 11:20 pm

I recommend that you only take advice from people with at least 3 stars against their profile as it’s not been unknown for the odd troll (Debt Purchaser / Debt Collection Agency / solicitor even) to pop up masquerading as a legitimate person in need of help but giving out misleading advice... Having said that, the fantastic admins / moderators (thank you friends) on here do a sterling job kicking the trolls out :-)
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Post by Stevro on Sat Nov 09, 2019 11:34 pm

@Mrblue wrote:I recommend that you only take advice from people with at least 3 stars against their profile as it’s not been unknown for the odd troll (Debt Purchaser / Debt Collection Agency / solicitor even) to pop up masquerading as a legitimate person in need of help but giving out misleading advice... Having said that, the fantastic admins / moderators (thank you friends) on here do a sterling job kicking the trolls out :-)

Good point. I could be a troll or working for the banks and trying to trick you into accepting phone calls.

Hopefully this isn't an attempt to negate my other comments on other threads/points Rolling Eyes

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Post by Stevro on Sat Nov 09, 2019 11:48 pm

Here are my credentials. I imagine you can find the case records online.

Cabot reply after 3 letters 20191110

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Post by Mrblue on Mon Nov 11, 2019 1:24 pm

@daveiron wrote:You will see that when documentation is requested ,all of them have to go back to the OC
to get any docs.this shows all they have in the first place is nothing more than a list.

EXACTLY.
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