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Good evening. Now we have things in motion with Cabot regarding the Monument a/c, it is time to look to the Barclays Bank allegation [Gemini vs Cabot (2)].
I have to say right at the outset that I genuinely have no recollection of ever having had dealings with BB. I have no paperwork at all from them and as far as I am aware, never have had. The first letter I have regarding this debt was a notification from Cabot dated 27 October 2007 informing me that the a/c was in arrears. There is little doubt that I had correspondence with them prior to that because I also have a letter dated 3rd January 2008 which is a refusal to accept my medical evidence as being sufficient to write off the debt. Obviously, one of the many letters I wrote, prior to clamming up completely, attempting to either get debts written off, or renegotiate terms.
I should make it clear at this time, that by late 2007 I was a "prescription drug-addict", the pain I was suffering was terrible, sometimes to the point of unbearable and I could only bear life with powerful pain-killers and morphine. I have since had an operation to remove lengths of nerves, thus cutting the lines of pain transfer, so to speak. It has been of great help, but is far from a perfect solution and I still take pain-killing drugs 4x a day, as well as morphine when it gets really bad; I cannot sleep more than 4 hours in one stretch and mostly feel pretty wretched as well as useless. BUT I am, despite everything, a happy person, except in the dark hours, of course. I have recently completed a training course which will earn me an accredited certification which will assist me in my plans to become a presenter/ lecturer and or trainer. Despite having only 8 years until I am entitled to retire, I would much prefer to be back in gainful employment. Anyway, to continue......
In a letter dated 20th August 2008, Cabot informed me that they had bought the a/c I "...held with Barclays Bank Plc and we're now responsible for answering your queries and receiving payments". Needless to say, this was ignored.
Aside from repeated telephone calls and letters from 3rd party DCAs (which I binned), I have only one other letter from Cabot about this a/c and it is dated 27th October 2008. It is a Limited Offer with the 30% reduction if I settle in 30 days,
or
"......we may be able to offer you an attractive repayment plan which will enable you to repay your outstanding balance within 5 years".
Attractive??? Outstanding balance??? More like outstanding impertinence and gall if you ask me.
I have to say right at the outset that I genuinely have no recollection of ever having had dealings with BB. I have no paperwork at all from them and as far as I am aware, never have had. The first letter I have regarding this debt was a notification from Cabot dated 27 October 2007 informing me that the a/c was in arrears. There is little doubt that I had correspondence with them prior to that because I also have a letter dated 3rd January 2008 which is a refusal to accept my medical evidence as being sufficient to write off the debt. Obviously, one of the many letters I wrote, prior to clamming up completely, attempting to either get debts written off, or renegotiate terms.
I should make it clear at this time, that by late 2007 I was a "prescription drug-addict", the pain I was suffering was terrible, sometimes to the point of unbearable and I could only bear life with powerful pain-killers and morphine. I have since had an operation to remove lengths of nerves, thus cutting the lines of pain transfer, so to speak. It has been of great help, but is far from a perfect solution and I still take pain-killing drugs 4x a day, as well as morphine when it gets really bad; I cannot sleep more than 4 hours in one stretch and mostly feel pretty wretched as well as useless. BUT I am, despite everything, a happy person, except in the dark hours, of course. I have recently completed a training course which will earn me an accredited certification which will assist me in my plans to become a presenter/ lecturer and or trainer. Despite having only 8 years until I am entitled to retire, I would much prefer to be back in gainful employment. Anyway, to continue......
In a letter dated 20th August 2008, Cabot informed me that they had bought the a/c I "...held with Barclays Bank Plc and we're now responsible for answering your queries and receiving payments". Needless to say, this was ignored.
Aside from repeated telephone calls and letters from 3rd party DCAs (which I binned), I have only one other letter from Cabot about this a/c and it is dated 27th October 2008. It is a Limited Offer with the 30% reduction if I settle in 30 days,
or
"......we may be able to offer you an attractive repayment plan which will enable you to repay your outstanding balance within 5 years".
Attractive??? Outstanding balance??? More like outstanding impertinence and gall if you ask me.
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