Cabot CCA response

[Curlyben]

Re: Cabot CCA response

One word - Securitisation !!

Bit of double bubble for the OC's. They claim the debt as bad and get tax relief from it as well as cash from the DCA to boot.

[Redletter]

Re: Cabot CCA response

Its a win win situation for the OC then! With regard to your footnote, by what process would you have a debt returned to the OC? Wouldn't they wash their hands of it especially having received the money from the DCA and he tax breaks?

[Curlyben]

Re: Cabot CCA response

That's their choice really.
What they attempt to do with it is up to them.

[Redletter]

Re: Cabot CCA response

Hi Curlyben I hope you are keeping well.

I have just received another letter from Crapbot as follows. As they are not demanding payment I was going to file it under 'I'.
Any comments/advice would be greatly appreciated.

Thanks,
------------------------------- merged -------------------------------
Your Cabot Ref No. XXXXXXX

Your original lender: Vanquis

You currently owe: XXXXXX


Dear Redletter,

An update regarding your request under the Consumer Credit Act

We refer to our recent letter informing you that the original lender is experiencing a delay in obtaining information from their archives.

Please be assured we are continuing to request the information as a matter of urgency from the original lender and we hope to send the information to you shortly.

The status of your account

Cabot will continue to suspend all collection activity until the relevant information is supplied to you.

We again apologise for any inconvenience you may have experienced as a result of the delay in retrieving this information for you.

Contacting Cabot

If you have any queries about your account please call one of our customer advisors on 01732 524615 (Minicom: 01732 524630).

In the meantime we thank you for your co-operation.

Yours sincerely

(Squiggled signature)

Customer Assurance Team

[Curlyben]

Re: Cabot CCA response

Bless, now isn't that nice of them

[Sapphire]

Re: Cabot CCA response

Yet another letter to fill the file eh

[Redletter]

Re: Cabot CCA response

Still waiting!....................

[LuggerBugs]

Re: Cabot CCA response

They are WAAAYYYYY over time by now then. Any word?

[Redletter]

Re: Cabot CCA response

Hi everyone. Its been a while but we have just received a letter from Cabot claiming that they have provided the information requested and are now allowed to resume collection of the alleged debt.
However, all they have sent is a very poor, barely legible photocopy of an application form which allegedly contains my signature. However, the signature matches the fake signature I applied to their "prove it" letter and is suspiciously small for the size of the signature box! I am almost sure I have not done my signature like this in the past and deliberately did it slightly differently so that I would know if they copy and paste it!

Also enclosed are 6 seperate pages of A4 entitled "Vanquis Credit Card Terms And Conditions." In a box at the top it says "This is a copy of your agreement to keep. It includes notice of your cancellation rights which you should read"

It then says "Consumer Credit agreement Regulated by the Consumer Credit Act 1974.

It could be anybody's agreement! It bears no reference to page numbers or sections or subsections. It is merely a leaflet photocopied. There is a strange date and time reference at the top of PAGE 1 being the second page of A4 and PAGE 2 being the 5th Page of A4.
It bears no name, address or signature either. It looks basically like a copy of a booklet.

Am I correct in the belief that an agreement must contain a signature of both parties and all T&C's referenced must be within the 4 corners of the document or at the very least reference made to sections or indeed page numbers???
I am sorry I am a little rusty as they have only just produced this.

There are a load of copy statements for the account obviously forwarded by Vanquis.

Please can you indicate which letter I should respond with.

Thanks

[Curlyben]

Re: Cabot CCA response

Sounds like they have been having illicit liaisons with animals of the canine variety

Todays pots has been brought to you by the letter I and the number 0

[Redletter]

Re: Cabot CCA response

Hi Curlyben! Great to hear from you. I did wonder if you were still around.

Forgive me I am a bit rusty. When I got the Cabot letter I had butterflies, a mixture of anger and nerves!

What is the I and 0 or am I being thick?
------------------------------- merged -------------------------------
I dont want to get into playground quarreling with them but do I need to respond and tell them they have not complied?
Should I point out that this is not an agreement but merely an application form and random terms and conditions?
Please remind me where to find the letters.
Sorry I guess you do a lot of baby sitting on here I'll be ok once back up to speed.
I appreciate your swift reply also!

[Curlyben]

Re: Cabot CCA response

I - Ignore
0 - They have nowt.

Wait and see if they can be bothered to write to you again..

[Redletter]

Re: Cabot CCA response

Thank You Curlyben you are a star!

Just so that I can re-familiarise myself with the process, where will I find letter and the relevant sections of the CCA with regard to the requirements of an enforceable agreement?

Thanks again

[Curlyben]

Re: Cabot CCA response

Try this: ~~~ Consumer Credit Agreements - A Guide ~~~~ inc. Letters - Legal Beagles

[Redletter]

Re: Cabot CCA response

Thanks for the above Curlyben.
I have not responded to the letter in any way.
Yesterday I had a voicemail from:0800 9172225 asking me to contact them regarding "a private business matter" I googled the number and found it to be a Cabot number.

Should I now respond to the letter and also tell them not to call or should I just keep ignoring them?

Thanks.