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  • Never-In-Doubt
    replied
    Re: IMPORTANT UPDATE - HOIST & CABOT CASES

    *****
    Originally posted by Never-In-Doubt View Post
    Hi

    Regards the issues with Hoist & Cabot - and all previous posts made by me on this; having discussed this in detail with our Solicitor we would suggest you follow the process below. Please remember that the below is generic designed to help protect you from certain actions. As each case may be different, try and use common sense before proceeding with any next steps - if unsure then send me a PM. Click HERE to PM me.
    Option 1 - CCA Sent in the past which was Unenforceable / Incomplete
    In this situation it would be wise to leave things well alone and literally respond with a simple 'this is in dispute' template. The template to send is HERE

    Option 2 - CCA Sent in the past which was Enforceable and remains with the same DCA as the last CCA Request
    In this situation it would be wise to send a new CCA Request to the DCA unless you did one in the last 90 days, in which case you need to determine whether writing back is wise or not. So if the CCA was last requested within the last 3 months then I'd suggest you update your diary and PM me so I can check things for you. If however you last sent a CCA request over 3 months ago, send another (to the DCA). Template to send is HERE

    Option 3 - CCA Sent in the past which was Enforceable and has been sold to a new DCA since your last CCA Request
    In this situation it would be wise to reissue a new CCA Request to the new DCA as documents do get lost in translation so what was once EN / UE, may no longer be. Template to send is HERE

    Option 4 - No CCA ever sent
    If you have never sent a CCA Request then do one asap! This would be sent to the DCA with a 1 fee. Template to send is HERE


    Additional - SAR Request to Original Creditor

    For all cases above, if you have not requested SAR from the Original Creditor then it would be wise to send a request (it costs 10) - this will save time long term but only do this if the DCA (Cabot or Hoist Portfolio) have written to say they've sold the account to Restons / PRA / Shoosmiths. Template to send is HERE

    Additional - LBA Response to solicitor acting for Hoist / Cabot

    This is a new template specifically designed to respond to a legal threat from Hoist or Cabot's law firm (PRA / Restons / Shoosmiths). Only send this if you get an LBA from one of the solicitor firms mentioned. ** LBA TEMPLATE **

    I hope the above makes sense but if not please PM me. I do not want to discuss tactics publicly here where the solicitors named herein are known to browse AAD

    Leave a comment:


  • nanna58
    replied
    Re: Cabot

    Everything crossed xx

    Leave a comment:


  • MustGetStraigh
    replied
    Re: Cabot

    Originally posted by Never-In-Doubt View Post
    No go for it - why not.....
    Thank you Niddy. I shall do that - it would be a lovely bonus to find out the last payment date is earlier than I thought. One can dream...

    Leave a comment:


  • Never-In-Doubt
    replied
    Re: Cabot

    Originally posted by MustGetStraigh View Post
    Is there any harm in me sending a SAR to Cap One now they have sold it on?
    No go for it - why not.....

    Leave a comment:


  • MustGetStraigh
    replied
    Re: Cabot

    Originally posted by mike'y View Post
    Mortimer Clarke have just written to me. I've sent a SAR to Capital One. I hope it's SB or will be in a few months. I don't currently know exactly when I last made a payment, grrr
    Dumb question here.. I'm in a similar position. I know the month of last payment but not the date (and in fact it could even be the month before) so it would be handy to know. Is there any harm in me sending a SAR to Cap One now they have sold it on?

    Leave a comment:


  • MustGetStraigh
    replied
    Re: Cabot

    Originally posted by julian View Post
    just seen a nice letter from Darling Debbie. "Despite repeated attempts to contact you..., we have had no joy ............ If you don't get in touch, we will continue to contact you to help you be free this debt. " parrot phrased, of course.

    He, he. What do you say to a parrot with one leg? Hop off. What do you call a parrot with no legs? CFUKed.
    I've just had another one, very similar (probably identical). No mention of instructing solicitors, yet. I'm ignoring for the moment as I'm not too far of SB, so the longer I can string it out the better before sending Account Sold.

    They just say they will continue to contact me. They are welcome to, they may just not get a response!!

    Leave a comment:


  • CleverClogs (RIP)
    replied
    Re: IMPORTANT UPDATE - HOIST & CABOT CASES

    Originally posted by Never-In-Doubt View Post
    I do not want to discuss tactics publicly here where the solicitors named herein are known to browse AAD
    ......
    Last edited by Never-In-Doubt; 8th January 2016, 16:40. Reason: admin - can't suggest we'll bomb a DCA lol

    Leave a comment:


  • mike'y
    replied
    Re: Cabot

    Mortimer Clarke have just written to me. I've sent a SAR to Capital One. I hope it's SB or will be in a few months. I don't currently know exactly when I last made a payment, grrr

    Leave a comment:


  • CleverClogs (RIP)
    replied
    Re: Cabot

    Originally posted by cardiac arrest View Post
    No thought of just writing the thing off though considering they paid what, 8% of the 'debt amount' for it...
    If that.

    I almost feel I have a friend in Debbie.....
    I'm sure many/most would prefer to have "a friend" in ISIS - not least of which because they're thousands of miles away!

    Leave a comment:


  • cardiac arrest
    replied
    Re: Cabot

    Originally posted by julian View Post
    just seen a nice letter from Darling Debbie. "Despite repeated attempts to contact you..., we have had no joy ............ If you don't get in touch, we will continue to contact you to help you be free this debt. " parrot phrased, of course.

    He, he. What do you say to a parrot with one leg? Hop off. What do you call a parrot with no legs? CFUKed.
    Love the tone of these - how concerned they are to really help with this debt, how they want to talk to us..and sort things out for us - they really do... No thought of just writing the thing off though considering they paid what, 8% of the 'debt amount' for it... I almost feel I have a friend in Debbie.....

    Leave a comment:


  • The Tech Clerk
    replied
    Re: Cabot

    Originally posted by julian View Post
    just seen a nice letter from Darling Debbie. "Despite repeated attempts to contact you..., we have had no joy ............ If you don't get in touch, we will continue to contact you to help you be free this debt. " parrot phrased, of course.

    He, he. What do you say to a parrot with one leg? Hop off. What do you call a parrot with no legs? CFUKed.

    What do you call a Dead Parrot? = Polygone.

    Leave a comment:


  • julian
    replied
    Re: Cabot

    just seen a nice letter from Darling Debbie. "Despite repeated attempts to contact you..., we have had no joy ............ If you don't get in touch, we will continue to contact you to help you be free this debt. " parrot phrased, of course.

    He, he. What do you say to a parrot with one leg? Hop off. What do you call a parrot with no legs? CFUKed.
    Last edited by julian; 8th January 2016, 12:02. Reason: sticky fingers

    Leave a comment:


  • nanna58
    replied
    Re: Cabot

    Had a claim today ,cap one, Cabot , Restons .been reading through, got 14 days do not want to fill in IE form as we have just sold a house.There is PPI on it but cap one obviously refused.
    Last edited by nanna58; 24th December 2015, 11:09.

    Leave a comment:


  • billytommo
    replied
    Re: Cabot

    Will do

    Leave a comment:


  • Never-In-Doubt
    replied
    Re: Cabot

    Originally posted by billytommo View Post
    I have a Cap1 card which Niddy deemed to be a good while ago. It has fairly recently been acquired by Cabot, the UK version, and they have been suggesting that they will refer the account to Shoosmiths. I intend to SWID cabot as well as SAR Cap1, unless anyone has any alternatives ??
    Why not just SAR the OC - that's sensible IMO.

    I wouldn't send any SWID - why do that & run the risk of them remedying the EXISTING breach (which stops them enforcing)?

    See this post --> http://forums.all-about-debt.co.uk/s...l=1#post541854

    Leave a comment:

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