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2004 debt and cabot
I sent of Curlybens Prove it/Harassment letter and this is what I received
Quote:
"Our Final Response to your Complaint"
I regret that you felt cause to complain to Cabot Financial Ltd and apologies for any inconvenience that you may have experienced in relation to this matter. I understand that you are unhappy with our recent contact.
I note that you believe we are harassing you for a debt. We would like to confirm again that we have taken over your account from MBNA the original lender and we are responsible for administering your account, including taking payments, answering your queries and reporting information to the CRB. As a result, we are seeking your co-operation in settling your financial liabilities. Notwithstanding I can confirm that your telephone number has been temporarily removed from our records. However, I must re-iterate that if we do not receive your co-operation in paying towards your outstanding balance, we shall reserve the right to re-instate telephone contact.
Cabot takes all legal and regulatory responsibility seriously and abide by the codes of practice and guidance. we wish to assist our customers to get back on track with their finances and that is why we are contacting you.
For ease of reference the outstanding balance on your account is £xxk. Therefore I would recommend you contact our collection team, within 14 days to discuss options available to you in order to settle this account. I must inform you that if a payment proposal is not received within this timeframe, your account will be escalated within our collections procedures and telephone contact will be re-instated.
I trust I have set out our position clearly. However if you remain dissatisfied with our response, you may bring the complaint to the attention of the FOS, within 6 months of this letter, who may investigate the same. If you have any further etc etc etc...
Points about this letter
1 - They have only answered to the complaint and offered in information regarding proving the debt.
2 - I disgarded my mobile phone over three months ago proving that their contact is mainly automated which is why you can get them at 4 in the morning and 11 at night.
3 - The amount they took over was 1/2 the amount they are claiming so escalation is something they have continued all of the time - even when they were sent a s74. The sent a copy of the agreement arrived in October 2010
4 - The original default month was august 2004 which is 6 years past. They have a listed default on my Credit file of April 2011
At this stage all I really want to be sure of is did I or have I at any time - Which I am sure I haven't done anything but dispute the debt. I am fairly sure that Statute Barred commences from the month that payments were stopped. There for it is out of time. Could this be confirmed. Also would it be better before the s.5 to ask them to Prove it one more time with feeling?
What are the thoughts on this?
Regards,
Dan
Read more at: Legal Beagles Consumer Forum - Re: Re Posting a new thread
Quote:
"Our Final Response to your Complaint"
I regret that you felt cause to complain to Cabot Financial Ltd and apologies for any inconvenience that you may have experienced in relation to this matter. I understand that you are unhappy with our recent contact.
I note that you believe we are harassing you for a debt. We would like to confirm again that we have taken over your account from MBNA the original lender and we are responsible for administering your account, including taking payments, answering your queries and reporting information to the CRB. As a result, we are seeking your co-operation in settling your financial liabilities. Notwithstanding I can confirm that your telephone number has been temporarily removed from our records. However, I must re-iterate that if we do not receive your co-operation in paying towards your outstanding balance, we shall reserve the right to re-instate telephone contact.
Cabot takes all legal and regulatory responsibility seriously and abide by the codes of practice and guidance. we wish to assist our customers to get back on track with their finances and that is why we are contacting you.
For ease of reference the outstanding balance on your account is £xxk. Therefore I would recommend you contact our collection team, within 14 days to discuss options available to you in order to settle this account. I must inform you that if a payment proposal is not received within this timeframe, your account will be escalated within our collections procedures and telephone contact will be re-instated.
I trust I have set out our position clearly. However if you remain dissatisfied with our response, you may bring the complaint to the attention of the FOS, within 6 months of this letter, who may investigate the same. If you have any further etc etc etc...
Points about this letter
1 - They have only answered to the complaint and offered in information regarding proving the debt.
2 - I disgarded my mobile phone over three months ago proving that their contact is mainly automated which is why you can get them at 4 in the morning and 11 at night.
3 - The amount they took over was 1/2 the amount they are claiming so escalation is something they have continued all of the time - even when they were sent a s74. The sent a copy of the agreement arrived in October 2010
4 - The original default month was august 2004 which is 6 years past. They have a listed default on my Credit file of April 2011
At this stage all I really want to be sure of is did I or have I at any time - Which I am sure I haven't done anything but dispute the debt. I am fairly sure that Statute Barred commences from the month that payments were stopped. There for it is out of time. Could this be confirmed. Also would it be better before the s.5 to ask them to Prove it one more time with feeling?
What are the thoughts on this?
Regards,
Dan
Read more at: Legal Beagles Consumer Forum - Re: Re Posting a new thread
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