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Cabot SAR

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  • #16
    Re: Cabot SAR

    My personal pensions are not available for drawdown or cash as I bought annuities with them in 201 so only get the monthly income from the annuity. My concern is whether they (anyone) could force the annuity company to pay directly to Cabot.

    Comment

    • #17
      Re: Cabot SAR

      CCA request example.
      Tweak to suit.
      http://legalbeagles.info/forums/show...y-of-Agreement
      CAVEAT LECTOR

      This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

      You and I do not see things as they are. We see things as we are.
      Cohen, Herb

      There is danger when a man throws his tongue into high gear before he
      gets his brain a-going.
      Phelps, C. C.

      "They couldn't hit an elephant at this distance!"
      The last words of John Sedgwick
      • 1 thank

      Comment

      • #18
        Re: Cabot SAR

        Originally posted by charitynjw View Post
        CCA request example.
        Tweak to suit.
        http://legalbeagles.info/forums/show...y-of-Agreement
        Originally posted by Amethyst View Post
        Send a proper CCA request ( http://legalbeagles.info/forums/show...y-of-Agreement ) with a £1.
        Originally posted by Kati View Post
        Have you sent CCA requests for them? LINK - http://legalbeagles.info/forums/show...y-of-Agreement
        xx
        Debt is like any other trap, easy enough to get into, but hard enough to get out of.

        It doesn't matter where your journey begins, so long as you begin it...

        recte agens confido

        ~~~~~

        Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

        I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
        But please include a link to your thread so I know who you are.

        Specialist advice can be sought via our sister site JustBeagle

        Comment

        • #19
          Re: Cabot SAR

          [MENTION=49370]Kati[/MENTION]

          Lol!......Rule of three?
          https://en.wikipedia.org/wiki/Rule_of_three_(writing)
          CAVEAT LECTOR

          This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

          You and I do not see things as they are. We see things as we are.
          Cohen, Herb

          There is danger when a man throws his tongue into high gear before he
          gets his brain a-going.
          Phelps, C. C.

          "They couldn't hit an elephant at this distance!"
          The last words of John Sedgwick
          • 1 thank

          Comment

          • #20
            Re: Cabot SAR

            My personal pensions are not available for drawdown or cash as I bought annuities with them in 201 so only get the monthly income from the annuity. My concern is whether they (anyone) could force the annuity company to pay directly to Cabot.

            Comment

            • #21
              Re: Cabot SAR

              HAve received a reply from CABOT stating they are unlikely to be able to provide CC agreements within the 12 days period, but have written to original companies and would hope to do so within 40 days......
              One interesting part of the response was that regarding my Bank of Scotland CC they are unlikley to provide this so will no longer pursue collection of that account...(although stating that it should not be considered written off as the debt legally remains).
              Hope they cannot unearth the other original agreements (from around 2000-2005/6)

              Comment

              • #22
                Re: Cabot SAR

                Response from Cabot enclosing one of the CC Agreements. This is signed and dated by me....but not signed and dated by Halifax. Is this still a legal Agreement??

                Comment

                • #23
                  Re: Cabot SAR

                  Have you SAR'd BoS?
                  CAVEAT LECTOR

                  This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                  You and I do not see things as they are. We see things as we are.
                  Cohen, Herb

                  There is danger when a man throws his tongue into high gear before he
                  gets his brain a-going.
                  Phelps, C. C.

                  "They couldn't hit an elephant at this distance!"
                  The last words of John Sedgwick

                  Comment

                  • #24
                    Re: Cabot SAR

                    Not directly - awaiting SAR information from Cabot....bit pricey to SAR each individual originator.

                    Comment

                    • #25
                      Re: Cabot SAR

                      Ok, but there's no need to SAR all 5 at the same time, & if it were me, & with £40k's worth of debt, I'd be looking to ascertain the legal position.

                      For instance, if Cabot have indicated that they would be 'unlikely' to be able to provide documentation (BoS) , it may well be that they cannot do so.
                      If BoS can't supply it, Cabot are on a sticky wicket.
                      As it is a pre 2007 agreement?, it could be argued that it is irredeemably unenforceable.
                      CAVEAT LECTOR

                      This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                      You and I do not see things as they are. We see things as we are.
                      Cohen, Herb

                      There is danger when a man throws his tongue into high gear before he
                      gets his brain a-going.
                      Phelps, C. C.

                      "They couldn't hit an elephant at this distance!"
                      The last words of John Sedgwick

                      Comment

                      • #26
                        Re: Cabot SAR

                        As it is a pre 2007 agreement?, it could be argued that it is irredeemably unenforceable.[/QUOTE]

                        Why would that be?????

                        Comment

                        • #27
                          Re: Cabot SAR

                          Originally posted by Gprit View Post
                          As it is a pre 2007 agreement?, it could be argued that it is irredeemably unenforceable.
                          Why would that be?????[/QUOTE]

                          Lol!

                          To try to provide an all-encompassing succinct explanation which covers all scenarios would be difficult.
                          It's far easier to start by looking at the details of your particular case & go from there.
                          However, & in broad terms, many pre April 2007 agreements were governed by the original 1974 Consumer Credit Act.
                          Defective agreements could trigger s127.3 whereby the court might be precluded from enforcing the agreement.
                          That section was amended by the 2006 Act, which came into force April 2007.
                          CAVEAT LECTOR

                          This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                          You and I do not see things as they are. We see things as we are.
                          Cohen, Herb

                          There is danger when a man throws his tongue into high gear before he
                          gets his brain a-going.
                          Phelps, C. C.

                          "They couldn't hit an elephant at this distance!"
                          The last words of John Sedgwick
                          • 1 thank

                          Comment

                          • #28
                            Re: Cabot SAR

                            How do I know then?? Cabot sent a copy of the original agreement bearing my signature (BUT NOT THAT OF HALIFAX), but the LH side of p3 was missing. If not signed/stamped by both parties is it really a contract and is it unenforceable?

                            On contacting them I was told that was all they had, but sent a further copy of T&C which had my printed name and address at the top, BUT NO SIGNATURE.

                            Any further thoughts?

                            Comment

                            • #29
                              Re: Cabot SAR

                              ok....I have now also had SAR information from Cabot, which includes what purports to be the CC agreement.
                              Does anyone have any comments/thoughts on this and whether it is legal and enforceable or not???
                              Attached Files
                              Last edited by Kati; 22nd February 2017, 20:40:PM.

                              Comment

                              • #30
                                Re: Cabot SAR

                                Originally posted by Gprit View Post
                                which includes what purports to be the CC agreement.
                                Does anyone have any comments/thoughts on this and whether it is legal and enforceable or not???
                                Your personal name and address are on that uploaded agreement.

                                You need to remove it, redact it and then re-post it

                                Di

                                Comment

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