Cabot/Barclays Overdraft

[bosdog]

Hello all.

I received a letter today from Cabot Financial stating that they have bought an account of mine that was with Apex. It suggests that I contact their customer consultant team!
The background to this is that from 2004 I received random correspondence from Apex asking me to set a payment plan for a debt of around £550 for which they listed an account number and a creditor name of "Mercedes", neither of which made any sense to me. I ignored the Apex letters.

Today's Cabot letter however states that the debt is for a Barclay's current account. As this seems to be linked to a very old overdraft (must be SB) should I ignore for now, or would it be safer to send a request for more information?

Many thanks for any help.

[Never-In-Doubt]

Re: Cabot/Barclays Overdraft

Send the prove it template mate (in AAD+ - Templates).

[bosdog]

Re: Cabot/Barclays Overdraft

Cheers Niddy, will do

[bosdog]

Re: Cabot/Barclays Overdraft

19/08/2015

from Cabot Financial stating that they have bought an account of mine that was with Apex. It suggests that I contact their customer consultant team!
The background to this is that from 2004 I received random correspondence from Apex asking me to set a payment plan for a debt of around £550 for which they listed an account number and a creditor name of "Mercedes", neither of which made any sense to me. I ignored the Apex letters.

Today's Cabot letter however states that the debt is for a Barclay's current account. This, if true, must be linked to a very old overdraft (will be SB ith)

19/08/2015 Prove it letter sent "signed for" after advice from Niddy

[Never-In-Doubt]

Re: Cabot/Barclays Overdraft

Good luck

[PlanB]

Re: Cabot/Barclays Overdraft

19/08/2015 Prove it letter sent "signed for" after advice from Niddy

Which was good advice

Plan B x

[julian]

Re: Cabot/Barclays Overdraft

Apex is part of the Cabot Empire. They have not sold it on, they are just using a revised letter head, and have at most passed it over to another desk. The same woman signing letters.

Cabot seems to be more litigious than Apex. I will be interesting to see what they are up to.

[julian]

Re: Cabot/Barclays Overdraft

I just happened on one of those letters sign by the lovurly Deborah Green. It says that Cabot Credit Management Group has recently bought the account I held with Apex Credit Management and the letter serves as a Notice of Assignment. How strange! Obviously Debs is no longer talking to herself.

[Never-In-Doubt]

Re: Cabot/Barclays Overdraft

I just happened on one of those letters sign by the lovurly Deborah Green. It says that Cabot Credit Management Group has recently bought the account I held with Apex Credit Management and the letter serves as a Notice of Assignment. How strange! Obviously Debs is no longer talking to herself.

Christ that is NOT a valid NoA - great, let's await their claim then for a debt they aren't entitled to

#NiddyTactics

[bosdog]

Re: Cabot/Barclays Overdraft

UPDATE 03/09/15

19/08/2015

from Cabot Financial stating that they have bought an account of mine that was with Apex. It suggests that I contact their customer consultant team!
The background to this is that from 2004 I received random correspondence from Apex asking me to set a payment plan for a debt of around £550 for which they listed an account number and a creditor name of "Mercedes", neither of which made any sense to me. I ignored the Apex letters.

Today's Cabot letter however states that the debt is for a Barclay's current account. This, if true, must be linked to a very old overdraft (will be SB ith)

19/08/2015 Prove it letter sent "signed for" after advice from Niddy

03/09/15 Letter from Apex "I am sorry that you have had to raise concerns with us....we will conduct thorough investigation...we will then write to you again.. please find enclosed a copy of our Complaints Procedure for your information"

[bosdog]

Re: Cabot/Barclays Overdraft

UPDATE 24/09/15

19/08/2015

from Cabot Financial stating that they have bought an account of mine that was with Apex. It suggests that I contact their customer consultant team!
The background to this is that from 2004 I received random correspondence from Apex asking me to set a payment plan for a debt of around £550 for which they listed an account number and a creditor name of "Mercedes", neither of which made any sense to me. I ignored the Apex letters.

Today's Cabot letter however states that the debt is for a Barclay's current account. This, if true, must be linked to a very old overdraft (will be SB ith)

19/08/2015 Prove it letter sent "signed for" after advice from Niddy

03/09/15 Letter from Apex "I am sorry that you have had to raise concerns with us....we will conduct thorough investigation...we will then write to you again.. please find enclosed a copy of our Complaints Procedure for your information"

24/09/15 Letter from Apex "further to our previous letter...I am continuing to investigate your concerns..apologies for any inconvenience this delay may cause...I will write again no later than 8 weeks from the date we received your complaint"

[Never-In-Doubt]

Re: Cabot/Barclays Overdraft

They shouldn't be hassling you until they're sure you do owe something. Idiots always do it back to front!

[bosdog]

Re: Cabot/Barclays Overdraft

UPDATE 22/10/15



19/08/2015 from Cabot Financial stating that they have bought an account of mine that was with Apex. It suggests that I contact their customer consultant team!
The background to this is that from 2004 I received random correspondence from Apex asking me to set a payment plan for a debt of around £550 for which they listed an account number and a creditor name of "Mercedes", neither of which made any sense to me. I ignored the Apex letters.

Today's Cabot letter however states that the debt is for a Barclay's current account. This, if true, must be linked to a very old overdraft (will be SB ith)

19/08/2015 Prove it letter sent "signed for" after advice from Niddy

03/09/15 Letter from Apex "I am sorry that you have had to raise concerns with us....we will conduct thorough investigation...we will then write to you again.. please find enclosed a copy of our Complaints Procedure for your information"

24/09/15 Letter from Apex "further to our previous letter...I am continuing to investigate your concerns..apologies for any inconvenience this delay may cause...I will write again no later than 8 weeks from the date we received your complaint"

21/10/2015 "you have referred to Regulatory Guidelines (AAD prove it letter) .....I have contacted Barclay's in an attempt to obtain documentation... have not received any reply...have made the decision to close your account and you will not receive any further contact in relation to this matter...In addition we are not reporting the account to the CRA's....this is my final response under the terms of our complaints process....

Superb result, massive thanks to All of you guy's with extra special thanks to Niddy and the AAD Team and for such fantastic support and for producing such wonderful template letters.

[Never-In-Doubt]

Re: Cabot/Barclays Overdraft

Awesome result. Well done

[cymruambyth]

Re: Cabot/Barclays Overdraft

Great news, well done.