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Cabot refunds

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  • Cabot refunds

    Hello, I received a letter last week from Cabot saying that Iím owned a refund as they didnít collect an old debt correctly so they now want to give me £276, the reference looks familiar an old HFC debt that I paid a charging order on and itís paid in full, it also shows the outstanding balance as £0.00 but Iím just a bit suspicious, they give me the option to either text with my details or fill in the bottom of letter and return to them to be paid either by BACS or cheque, what do u think too good to be true.
    cheers
    Dave
    Tags: None

  • #2
    Hmmmm interesting - can you do a pic of the letter. It's about time HFC debts and the way they were collected got sorted out - I had a charging order from an HFC debt back in 2006 - via Restons. There were masses of collection charges added ( around 18% as I recall ) which I defended but many people didn't so it could be that ( which would be huge if it is that ) - no explanation from Cabot at all what the refund is for ? How much was the debt originally do you remember ?

    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

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    • #3
      Quick smooch and others have had similar but can't see any definitive reason - https://forums.moneysavingexpert.com....php?t=5757744

      https://forums.moneysavingexpert.com....php?t=5674931

      ( they say 16.4% as collection charge which sounds about right )

      also this https://www.google.co.uk/amp/s/www.t...ollection/amp/
      but seems very slow if you've just got a letter about it
      “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

      Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

      Received a Court Claim? Read >>>>> First Steps

      If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

      Find Solicitors offering fixed fees on our sister site - JustBeagle.com

      Comment


      • #4
        Hi AMETHYST
        thanks for the reply I will post up a pic of the letter sometime today, Iím just a bit weary that theyíre not trying to entrap me in anyway, as I said the debt was paid in full a long time ago and from memory the total I got charged with the charging order was close to £1700 I think, you just canít be too careful with these people though can you, I was thinking they may be making the letters look as sus as possible so that people throw it away as a scam, crazy paranoia eh, I did email them yesterday but Iím not holding my breath for a reply.
        Cheers
        Dave

        Comment


        • #5
          Entirely understandable - it's not often a debt collector offers to give you money, so my cynical warning lights would be flashing all over the shop too.... however, as this was paid off a long while back, and others have had similar, and Cabot are actually okay ( not con men) .... you're likely absolutely fine to send the form/text them.

          Be interesting to see how the amount offered was calculated and whether any interest has been added from when you'd paid it off, being as it should never have been there in the first place.

          “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

          Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

          Received a Court Claim? Read >>>>> First Steps

          If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

          Find Solicitors offering fixed fees on our sister site - JustBeagle.com

          Comment


          • #6
            Hi AMETHYST
            Ive just got off the phone with Cabot and spoke to a very pleasant Karen who assured me this was all above board and legit so a cheque is being sent out, she said a collection charge was levied on the account that was too high so I was overcharged and they now have to pay back, so a nice surprise all in all, cheers for taking the time to reply to me and hopefully others now may feel a little more comfy replying to them.

            Comment


            • #7
              Lovely. It is good these Collection charges are finally being repaid to people, they were never fair. They do seem to be taking their time to get these paid out.... some of them will be quite a large amount so I do hope that statutory interest is being added to compensate.

              Enjoy your £276 xxx

              PARTICULARS a/c no - XXXXXXXXXXXXXXXXXX

              DATE.........ITEM........ ..........VALUE
              10/08/06 Default Balance .........£6058.41
              10/08/06. Collection Charge........£1009.93
              Post Refrl Cr ...........NIL

              TOTAL: - £7068.34
              That was mine ( I got it removed before they got the CCJ and charging order after a bit of a battle ... so no refund heading my way unfortuntely lol )
              “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

              Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

              Received a Court Claim? Read >>>>> First Steps

              If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

              Find Solicitors offering fixed fees on our sister site - JustBeagle.com

              Comment


              • #8
                Wow is that collection charge is crazy a refund on that would of been nice, and yes interest being paid at 8% Thanks again

                Comment

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