Hi ALL! Help needed with Cabot Financial and old Egg Card!

[nemesis45]

Re: Hi ALL! Help needed with Cabot Financial and old Egg Card!

[QUOTE=triumph;580891]Hi Nem,

Thank you for your response.

When I last acknowledged the debt in 2009 I never made an unequivocal admission of liability, I simply wrote regarding Egg Credit Card and informed them I was unemployed on benefits and that my situation was dire. Apex eventually gave up sending me letters.

Truimph
Hello Triumph it's fine to send the letter just the bit I posted earlier.

nem

[Berniethebolt]

Re: Hi ALL! Help needed with Cabot Financial and old Egg Card!

But please don't refer to them as Carboot:tinysmile_aha_t:

I really do have to say i am with Amethyst on this one, give as little info as possible

[triumph]

Re: Hi ALL! Help needed with Cabot Financial and old Egg Card!



Truimph
Hello Triumph it's fine to send the letter just the bit I posted earlier.

nem


Thank you all again for your assistance but I have one last question do I sign the letter or just print my name?

Thank you in advance

[Berniethebolt]

Re: Hi ALL! Help needed with Cabot Financial and old Egg Card!

I have always used a fancy font in word to sign my letters and have never been asked for a real signature but if you want to sign it you can use an anti tamper strip or just do a couple of rows of XXXXXXX
XXXXXXX

and then sign over that

The choice is yours

[triumph]

Re: Hi ALL! Help needed with Cabot Financial and old Egg Card!

I have always used a fancy font in word to sign my letters and have never been asked for a real signature but if you want to sign it you can use an anti tamper strip or just do a couple of rows of XXXXXXX
XXXXXXX

and then sign over that

The choice is yours

Thank you very much

[nemesis45]

Re: Hi ALL! Help needed with Cabot Financial and old Egg Card!

A CCA request does not require a signature but the " data controller " of the recipient is entitled to confirm that the information is going to the correct person.

A simple question would anyone like their personal data disclosed to a 3rd party who does not have to prove they have a right to have it? I guess the answer is NO.

[Berniethebolt]

Re: Hi ALL! Help needed with Cabot Financial and old Egg Card!

Just to get the facts straight

There is no legal reason why you should sign a CCA request however as said they are entitled to make sure that the info goes to the correct person. One argument is that if they have been corresponding with you at the same address for some time, do they really want to have to explain why it was ok then but isn't now.

As I said, I have never been asked for a signature and i use fancy fonts however anti tamper strips are good as is the row of XXXX, whatever you do the choice is yours

Bem
P.S. I thought I was on ignore, please put me back on it

[FlamingParrot]

Re: Hi ALL! Help needed with Cabot Financial and old Egg Card!

A CCA request does not require a signature but the " data controller " of the recipient is entitled to confirm that the information is going to the correct person.

A simple question would anyone like their personal data disclosed to a 3rd party who does not have to prove they have a right to have it? I guess the answer is NO.

I'm sorry to butt in, but from what I can see on this thread, this letter isn't a CCA request, it's just one of your custom letters which refers to a CCA request made in the past.

I know we all have our own ideas but if it was me, I'd just limit myself to say that I never had an EGG current account to start with. I know this tactic worked for someone who had one of them M&S reserve accounts who said they never had a current account with M&S without going into further detail.

A letter to:

Mr Ken Stannard
CEO Cabot
Address as on their letter.

Date:

Ref: Use theirs:

Dear Mr Stannard,

I refer to a letter from Cabot dated........................... in regard to an alleged debt for £ xxx.xx arising from an account with EGG for a credit card.

On date..................... I sent Cabot a request under sections 77/78/79 of the Consumer Credit Act 1974 enclosing the £1.00 statutory fee required for this, however
Cabot has now returned the fee claiming the alleged debt arises from a current account.

Please take note of the following points:

1. I was a customer of EGG and a credit card holder:

2. The alleged debt is statute barred under the provisions of section 5 of the Limitation Act 1980.

3. Given the information above I will not now or at any time in the future make any payment or offer payment
in regard to the alleged debt

4. I confirm that I have not at anytime had a current account with EGG.

Cabot will now confirm by return of post that it has closed the file on the alleged
debt and removed all data relating to me from its records.

Failure to comply will result in a report to the FCA regarding the fitness of Cabot to hols
a consumer credit licence.

Use signed for post and mark the envelope " Private & Confidential "

It might be a good idea to check your credit reference for any skulduggery from Cabot, you can
use Noddle it's free online.

nem

[FlamingParrot]

Re: Hi ALL! Help needed with Cabot Financial and old Egg Card!

Exactly so what's your problem? A CCA request was made in the past and was ignored I think I can't be bothered
with nit pickers.

I didn't say I had a problem, just that, IMHO, I'd just have said that I never had an EGG CURRENT account, without going into further details about having had an EGG CARD. That would get them thinking rather than serving them the answer on a plate. If they then came back arguing about an EGG card which happens to be SBd, I'd have sent the SBd letter if applicable. We all have our own opinions and approaches based on different experiences and points of view.

[triumph]

Re: Hi ALL! Help needed with Cabot Financial and old Egg Card!

Hi All,

Thank you very much for all your help, I have posted the letter today first class recorded delivery and will keep you updated of any developments.