Dibs UE Diaries

[daisy]

Re: Dibs UE Diaries

SH, I would very much appreciate some help with the wording of a reply, it is imperative that I get this right.
Thank you again
Dibs x

[ScabHunter]

Re: Dibs UE Diaries

OK, I'll try to put something together you can use as a guide. I am at a disadvantage here because I don't have the exact wording of the November 2011 letter, but it should still be somewhere near right if I work on your summary.

If you wanted to just type up the part which admits to having no signed agreement, that would be extremely helpful.

SH

[daisy]

Re: Dibs UE Diaries

Here goes:

I can confirm that original lender have provided us with a reconstituted true copy of your agreement, I have enclosed a copy for your perusal.

Regarding your request under the CPUTR 2008, I can confirm that we have been unable to obtain a copy of your original signed credit agreement and therefore, cannot supply you with this documentation. Notwithstanding, I must reiterate that the reconstituted copy of your credit agreement is sufficient to fulfil the requirements set out under section 77/78 of the CCA and as such, whether we hold a copy of your signed agreement or not is not applicable in this instance.

Dibs

[Deepie]

Re: Dibs UE Diaries

It's 1.5 pages long, so will give the relevant bare bones, or is there a way that I can scan it and attach it to a pm?

Have a read here -----> User Guide - How Do I add Attachments to my Message?

[daisy]

Re: Dibs UE Diaries

Typically, I decided to edit my post and give the detail, but thank you in 2 deep.

I dislike putting too much info, as it's more than likely they browse the forum!

SH, if you would prefer to see the letter, please let me know.

[Paul.]

Re: Dibs UE Diaries

is no one questioning how exactly Cabot can say what you did when the account was opened?

Maybe asking them to confirm what colour trousers you were wearing on the day? or what part of the Country you were in when the account was opened.

Or maybe they dont know what the fuck they are talking about and are taking a punt in saying you did sign an agreement

[ScabHunter]

Re: Dibs UE Diaries

No need to send any more – that paragraph is all that is needed.


So they don't actually admit that an agreement doesn't exist, just that they don't have a copy of the original. It should still be possible to write a letter which will tie them up.


Back later.


SH

[daisy]

Re: Dibs UE Diaries

Paul that was brilliant, haven't laughed like that for ages! We all know, or are at least told, that cabot have all the answers, hopefully in this case, not the correct ones!

Sorry if I misled you SH, it's me that says that the signed agreement doesn't exist.

Thank you.

[helmsman]

Re: Dibs UE Diaries

Thank you Paul, I appreciate your time.

If they do decide to take this to court, then it will most certainly be heading your professional way, as I would not wish to lose due to my ignorance.

I would naturally prefer to make them consider it a risk not worth taking

Hi,
Check my diary Paul gor rid of Cabot for us with just a few letters a very reasonable cost (just over a £100) hope you dont mind me saying that Paul, it was a citi card as well about the same amount of money.
All the best.

[daisy]

Re: Dibs UE Diaries

Thank you Helmsman, I will take a look at your diary.

[ScabHunter]

Re: Dibs UE Diaries

If it was me in this situation, I would just keep it simple for now. I'd send something like this -

“Dear Sirs,

I am in receipt of your letter dated xx/xx/xxxx, the content of which is noted. I refer to my request for information dated xx/xx/xxxx , and to your response.

Note that this request for information was made pursuant to the Consumer Protection from Unfair Trading Regulations 2008, which require the recipient not to mislead. You state in your response that “the information within the reconstituted credit agreement is the information that would have been within the credit agreement you originally signed.” As you are in no position whatsoever to know what would be contained in any agreement signed between outside parties, unless you have access to a copy of such an agreement, this statement is blatantly misleading.

Furthermore, you are in no position to know whether or not an agreement was signed at account inception, in a transaction to which you were not a party, unless you have evidence of such an event occurring. Your response refers to “the credit agreement you originally signed”, yet no such document has ever existed. You are clearly attempting to mislead, and to reinvent reality so that it falls in line with your own commercial interests. I consider your response to be a flagrant breach of the Consumer Protection from Unfair Trading Regulations 2008, and reserve the right to bring the matter to the attention of the relevant Trading Standards department at my own behest.

As before, I confirm that no such agreement was ever signed by myself, or anyone acting under my authority.

Yours Faithfully,”

SH

[daisy]

Re: Dibs UE Diaries

SH thank you so much, I appreciate the time you have spent to help me with this.

Just looked ay Helmsman's diary and it is clear that dca's trawl the forums, so perhaps they will reply, without me actually sending the letter!

[ScabHunter]

Re: Dibs UE Diaries

Just looked ay Helmsman's diary and it is clear that dca's trawl the forums

They do indeed, but that is not necessarily a bad thing. In this case, they will see posts from a nice solicitor with whom they have a personal acquaintance, who may just be prepared to add another notch to his belt should they decide to try anything unwise.

This team is stronger than any individual, and even stronger than the sum of the parts because we bring out the strengths in each other. All Crapbot have are brain dead employees who know no concept beyond greed, and no means of satisfying it beyond deceit.

SH

[daisy]

Re: Dibs UE Diaries

Straight to the point as always!

[daisy]

Re: Dibs UE Diaries

Rob Way are now threatening to send a doorstep collector, the last time they threatened to do so, he called the following day.

I will of course send the communicate in writing letter again, but I don't seem to be able to find a way forward with this one.

Niddy, if you read this, please may you take a look at the document that I uploaded on to the agreements section.