Start of my unenforceabilty journey

[Sam Audley]

Hi Unicorndeva,

Just file their letter. If matters progress, update your thread here on AAD for more assistance

[The Tech Clerk]

If resolve call just take the card and state thankyou and close door, no need to converse, they are only doing commission delivery! then await cabot next move!

[PlanB]

Originally posted by unicorndeva View Post
Originally posted by unicorndeva View Post
Re: Start of my unenforceabilty journey

Owned by RBS Mint, managed by Wescot
Credit card
Unsure of start date 2006?
£2200
Last full payments were in 2010/11
Being paid on a DMP
Defaulted and may not be on our credit file (will have to check).


23/8/2018 - Chasing letter from Resolvecall on behalf of Cabot

6/9/2018 - Doorstep visit from Resolvecall

7/9/2018 - CCA request sent to Cabot along with a letter (from templates) disallowing Cabot or their representatives to visit my home without an appointment.
27/03/2021 - Still receiving chasing letters from Cabot despite the fact that they have'nt provided a copy of the original agreement. Do I request agreement again? Just worried they will turn up on my doorstep again.

21/05/2021 - Received a letter from Resolvecall who are working on behalf of Cabot chasing this debt. Do I need to do anything or just file away?

The important thing here is that Cabot have not complied with your CCA Request sent in September 2018 so this debt is currently unenforceable.

They also sent a Resolvecall representative to visit you in 2018 and you sent the AAD Template disallowing a visit to your home, so it's a pity they've ignored that (or forgotten) and are attempting to harass you again.

You can file the letter or you could send them the AAD Template Letter for Harassment as a reminder which might prevent another unwelcome visit.

Di

[unicorndeva]

Thanks everyone. They would have to find us first... the SatNav takes people everywhere but our new home lol.

[The Tech Clerk]

Harassment & Threat of Doorstep-Visit

[PlanB]

Harassment & Threat of Doorstep-Visit

That's the one!

Di

[Warwick65]

I may have said this before on this thread, but if not I certainly have said it many times. I had both a Mint and NatWest CC from around 2005 . Both were sold to Cabot Uk in early 2016.

When they were still owned by RBS I sent CCA requests and the results were deemed enforceable; they were copies of the actually agreement I signed complete with my signature. Anyway when they were sold to Cabot I sent new CCA requests and cabot were unable to comply and after a complain they closed the accounts. The ease with which they closed the accounts suggested to me they knew they would be unable to get the agreements - or maybe some other clause in the deed of assignment.

In any event they are now long gone. My goal was always to reach statute barred and as I was told quite forcibly by a member, the goal is to avoid court at almost any cost (short of paying). There are a few of us on here who are dab hands at doing that and will offer up our own experiences . It is much easier to be detached when you are slightly removed, I am a real what if person , so I have a plan if they do x and then a series of plans if they react in different ways if you understand me.

I currently have one plan if anyone writes to me and that is to ignore unless it demands a reply

[unicorndeva]

Harassment & Threat of Doorstep-Visit

23/05/2021 - Thanks guys, Harassment and Threat of Doorstep visit letter has been posted.

[PlanB]

23/05/2021 - Thanks guys, Harassment and Threat of Doorstep visit letter has been posted.

Wise move - you shouldn't have to live in fear of a personal visit to your home by a total stranger pressurising/chasing you to pay money to a debt purchaser who's already sent to countless letters for the same reason.

You're also laying a paper trail which began in 2018 when they did the same thing. The test for harassment is there has to be at least two incidents of "unwanted behaviour" which can be written, verbal and makes you feel intimidated. It's a subjective test. If you feel harassed then you are being harassed.

So assuming you don't want them in your space they may have passed the test

Added to which Cabot have not complied with your CCA Request either.

Di

[unicorndeva]

Wise move - you shouldn't have to live in fear of a personal visit to your home by a total stranger pressurising/chasing you to pay money to a debt purchaser who's already sent to countless letters for the same reason.

You're also laying a paper trail which began in 2018 when they did the same thing. The test for harassment is there has to be at least two incidents of "unwanted behaviour" which can be written, verbal and makes you feel intimidated. It's a subjective test. If you feel harassed then you are being harassed.

So assuming you don't want them in your space they may have passed the test

Added to which Cabot have not complied with your CCA Request either.

Di

Thanks Di, I do feel harassed and have anxiety issues. This sort of thing doesn't help. I hope they don't doorstep me but we shall see.

[PlanB]

Thanks Di, I do feel harassed and have anxiety issues. This sort of thing doesn't help. I hope they don't doorstep me

Did you get any response from Cabot or a visit from Resolvecall after you sent the forum template letter for 'Harassment & Threat of Doorstep Visit', or have they backed off now?

Di

[unicorndeva]

Did you get any response from Cabot or a visit from Resolvecall after you sent the forum template letter for 'Harassment & Threat of Doorstep Visit', or have they backed off now?

Di

04/06/21 - I haven't heard anything yet, Di.

[PlanB]

04/06/21 - I haven't heard anything yet, Di.

Good to know they haven’t carried out their threat to visit you.

Those letters are sent to intimidate and frighten you into paying which is unethical in my book.

You stood up to them by sending an equally strong letter in return.

Touché

Di

[unicorndeva]

Good to know they haven’t carried out their threat to visit you.

Those letters are sent to intimidate and frighten you into paying which is unethical in my book.

You stood up to them by sending an equally strong letter in return.

Touché

Di

Thanks... I am so glad I found you guys... you quite literally saved us!

[Still Waving]

You are one of a long line who are grateful for the excellent help and advice on this site.

I stumbled onto it in 2012 after I had been having difficulties, started following the advice, and didn't pay another penny to any of my alleged creditors. Of course, everyone's situation is different, but there is always help to make one's position more manageable.