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  • #1

    Cabot suddenly increased payment

    Had a monthly payment in place for ages on an egg card to cabot for £100 a month.

    Suddenly had a letter yesterday that the payments are now £125 a month - starting 30th September!

    Surely they cant do that without consultation with me.

    I've not been in touch with them about anything either - and there have been no missed payments
    Tags: action, arrangement, barclays, benefit, breach, cabot, card, cca, cca request, cca?, ccj, consultation, court, court action, cpa, credit, creditor, date, dca, debt, default, direct debit, egg, family, financial, fine, game, guidelines, help, letter, missed payments, monthly, niddy, order, pay, payment plan, payments, phone, rate, size, templates, working
  • #2
    Re: Cabot suddenly increased payment

    Was the payment arrangement originally confirmed in writing Malamute?

    Have you ever sent a CCA Request for this?

    Elsa x

    Comment

    • #3
      Re: Cabot suddenly increased payment

      Blimey.... that's a high payment arrangement as it is!!

      As Elsa says, have you sent a CCA request for this? Please tell us more about it and how long you have been paying Cabot.
      Remember the mantra:
      NEVER communicate by 'phone.
      Send EVERYTHING by Recorded/Special Delivery
      Keep a copy of EVERYTHING sent
      Keep hold of EVERYTHING received
      PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment

      • #4
        Re: Cabot suddenly increased payment

        How are you paying this? I hope not by direct debit/CPA?
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment

        • #5
          Re: Cabot suddenly increased payment

          Originally posted by malamute View Post
          Had a monthly payment in place for ages on an egg card to cabot for £100 a month.

          Suddenly had a letter yesterday that the payments are now £125 a month - starting 30th September!

          Surely they cant do that without consultation with me.

          I've not been in touch with them about anything either - and there have been no missed payments
          What is the method of payment being used and what is the date on the letter? If it is paid via DD and they have not given you 10 day working notice then the Direct Debit Guarantee works in your favour and they should not be changing the payment anyway.
          "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

          The consumer is that sleeping giant.!!


          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment

          • #6
            Re: Cabot suddenly increased payment

            Hi all,

            Currently paid by standing order and has been for years!

            It's an enforceable egg card balance 10.5 k.

            Default came off 8 months ago the account been with them so long.

            Comment

            • #7
              Re: Cabot suddenly increased payment

              a standing order can only be changed by you! More details for peeps about this account and any CCA1974 / default etc etc etc etc?????

              Who says it is enforceable??? complete details would help for information on here???

              do a diary as other do by date / event / correspondence, look around and see format for recording this sounds a bit fishy?? or not!
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment

              • #8
                Re: Cabot suddenly increased payment

                Hi niddy told me when I joined the site in 2011 that it was enforceable.

                Defaulted Jan 2008 for 14k and been paying sInce due to size with Cabot since 2009.

                Given I knew it was enforceable I didn't add it to diary.

                Comment

                • #9
                  Re: Cabot suddenly increased payment

                  Originally posted by malamute View Post
                  Had a monthly payment in place for ages on an egg card to cabot for £100 a month.

                  Suddenly had a letter yesterday that the payments are now £125 a month - starting 30th September!

                  Surely they cant do that without consultation with me.

                  I've not been in touch with them about anything either - and there have been no missed payments
                  they haven't changed the SO or anything. They're just saying that's the rate they'd like. Just ignore it for now. Only you can amend a Standing Order (SO). Not them
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                  Comment

                  • #10
                    Re: Cabot suddenly increased payment

                    Originally posted by malamute View Post
                    Hi niddy told me when I joined the site in 2011 that it was enforceable.

                    Defaulted Jan 2008 for 14k and been paying sInce due to size with Cabot since 2009.

                    Given I knew it was enforceable I didn't add it to diary.
                    id consider looking at halving that and some!! Why struggle if you can pay £1 per month forever
                    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                    Comment

                    • #11
                      Re: Cabot suddenly increased payment

                      Originally posted by Never-In-Doubt View Post
                      id consider looking at halving that and some!! Why struggle if you can pay £1 per month forever
                      Agree with that. Chances are, they'll get fed up collecting the £1 a month and sell it on..... and the more it gets sold on, the less are the chances of having any enforceable paperwork.

                      Did you CCA Cabot over this or the original creditor? In other words, did Cabot present you with the paperwork? If not, send a fresh CCA request to Cabot by rec. delivery.
                      Remember the mantra:
                      NEVER communicate by 'phone.
                      Send EVERYTHING by Recorded/Special Delivery
                      Keep a copy of EVERYTHING sent
                      Keep hold of EVERYTHING received
                      PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #12
                        Re: Cabot suddenly increased payment

                        Originally posted by Never-In-Doubt View Post
                        id consider looking at halving that and some!! Why struggle if you can pay £1 per month forever
                        as above = do not play the chancer!s game
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #13
                          Re: Cabot suddenly increased payment

                          To be honest I'd love to reduce the amount I'm paying them.....paid them the normal amount this month - will take a look at the templates and look for one about educing my payments...

                          thanks all!!

                          Comment

                          • #14
                            Re: Cabot suddenly increased payment

                            If you need help to do an I&E give me a shout

                            Comment

                            • #15
                              Re: Cabot suddenly increased payment

                              I've always steered clear of them, setting the payments myself not giving them the info to back it up........is there a better way?

                              Comment

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