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Gemini v Cabot
Good morning 
,
I have been sitting here since around 0100 reading through topics and threads and wondering why I have not discovered this site before now!! Lots of very useful information gathered so far.
I have disputes with Cabot Finance and so far have merely written and told them to leave me alone as I am not going to pay, no matter what they do. I get letters from several debt collection agencies and I always reply to the first one, telling them that I wonder that they think they can succeed in getting money from me when so may others have failed. I inform them that no further correspondence will be entered into and that all letters from them will be returned, unopened. One particular company, F.I.R.E., persist, but since I do not open their letters, I have no idea what they are threatening now.
Cabot telephone 3-4 times a day (not including automated calls), and as soon as they identify themselves, I hang up. I DID write and tell them that this is precisely what would happen, so I fail to understand how they can be so stupid as to think I will change my mind.
However, having read a lot here, I now think it would perhaps be in my best interest to ask Cabot just exactly how much they say I owe because I know I had a credit card from Monument with a £2,000.00 limit which I seem to recall using two or three times and spending no more than a couple of £100.00. Cabot want some £3,000.00+ on that account, the last time I had a letter relating to it (that I opened). There are two Capital One accounts as well, which I have no clear idea regarding the amount/s, alleged, to be outstanding, but it is no more than £1,500.00 combined.
H.F.C. passed a debt to 1st Credit Ltd and Mackenzie hall wrote to me on 26th September last year(2008) saying they would accept a reduced payment of £716.00 on a principal sum of £896.10. Imagine my surprise yesterday morning when I received a letter from ScotCall which says I owe £881.47 to "1st Credit FMLY HFC BANK PLC" (????), and that .."Failure to pay or contact us within 7 days on *telephone number* of the date of this letter will result in the a/c being passed to our Field Representatives to arrange a Doorstep Call"
I find this quite appalling since I do not even know these people and I cannot possibly owe this money to HFC or anyone else for that matter. Today I intend to write to these people the one and only letter I will ever write to them, telling them in no uncertain terms that I will NOT be intimidated into paying them because of threats I consider to have no substance.
I actually thought I had this nonsense all under control and that eventually they would all just leave me alone :tinysmile_hmm_t2:.
I should add that I have been in receipt of Incapacity Benefit since February 2006, following an accident in December of 2005, and I have told all these people this when I have written to them, but they still want money from me. I can barely afford to live as it is. Indeed, were it not for the generosity of my family and friends, I would not be living in my own (Council), flat.
Well, that is a brief resume of my current circumstances. Any advise or criticism (constructive or not), will be noted and where appropriate, persued diligently.
Thank you for taking the time to read this, though it has probably sent most of you to
.
,I have been sitting here since around 0100 reading through topics and threads and wondering why I have not discovered this site before now!! Lots of very useful information gathered so far.
I have disputes with Cabot Finance and so far have merely written and told them to leave me alone as I am not going to pay, no matter what they do. I get letters from several debt collection agencies and I always reply to the first one, telling them that I wonder that they think they can succeed in getting money from me when so may others have failed. I inform them that no further correspondence will be entered into and that all letters from them will be returned, unopened. One particular company, F.I.R.E., persist, but since I do not open their letters, I have no idea what they are threatening now.
Cabot telephone 3-4 times a day (not including automated calls), and as soon as they identify themselves, I hang up. I DID write and tell them that this is precisely what would happen, so I fail to understand how they can be so stupid as to think I will change my mind.
However, having read a lot here, I now think it would perhaps be in my best interest to ask Cabot just exactly how much they say I owe because I know I had a credit card from Monument with a £2,000.00 limit which I seem to recall using two or three times and spending no more than a couple of £100.00. Cabot want some £3,000.00+ on that account, the last time I had a letter relating to it (that I opened). There are two Capital One accounts as well, which I have no clear idea regarding the amount/s, alleged, to be outstanding, but it is no more than £1,500.00 combined.
H.F.C. passed a debt to 1st Credit Ltd and Mackenzie hall wrote to me on 26th September last year(2008) saying they would accept a reduced payment of £716.00 on a principal sum of £896.10. Imagine my surprise yesterday morning when I received a letter from ScotCall which says I owe £881.47 to "1st Credit FMLY HFC BANK PLC" (????), and that .."Failure to pay or contact us within 7 days on *telephone number* of the date of this letter will result in the a/c being passed to our Field Representatives to arrange a Doorstep Call"
I find this quite appalling since I do not even know these people and I cannot possibly owe this money to HFC or anyone else for that matter. Today I intend to write to these people the one and only letter I will ever write to them, telling them in no uncertain terms that I will NOT be intimidated into paying them because of threats I consider to have no substance.
I actually thought I had this nonsense all under control and that eventually they would all just leave me alone :tinysmile_hmm_t2:.
I should add that I have been in receipt of Incapacity Benefit since February 2006, following an accident in December of 2005, and I have told all these people this when I have written to them, but they still want money from me. I can barely afford to live as it is. Indeed, were it not for the generosity of my family and friends, I would not be living in my own (Council), flat.
Well, that is a brief resume of my current circumstances. Any advise or criticism (constructive or not), will be noted and where appropriate, persued diligently.
Thank you for taking the time to read this, though it has probably sent most of you to
.
..
Looking forward to hearing it all unfold.
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