Start of my unenforceabilty journey

[PlanB]

23/05/2021 - Sent the Harassment and Threat of Doorstep visit letter

8/6/2021 - Resolvecall phoned my mobile in the morning. An automated message asking me to press 1 if I was me and 2 if I wasn't. I just hung up. In the afternoon, I received a text message asking me to call them... I'm ignoring it!

It seems they've ignored you (twice!) so it makes sense for you to ignore them now

Di

[Never-In-Doubt]

You're doing the right thing.

[unicorndeva]

Originally posted by unicorndeva View Post
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?

23/05/2021 - Sent the Harassment and Threat of Doorstep visit letter

8/6/2021 - Resolvecall phoned my mobile in the morning. An automated message asking me to press 1 if I was me and 2 if I wasn't. I just hung up. In the afternoon, I received a text message asking me to call them... I'm ignoring it!

[PlanB]

You are in a good place here and you are a part of the "AAD Family"

Post up whenever you feel the need and there will be someone about to offer support

Aww. That’s exactly what this forum is all about

Di

[Spud]

I can Echo everything that Still Waving, Warwick and Plan B have said

We were all where you were once, Been through similar experiences and got through it with the help of those here who took the time to understand and help, because they have lived it too

You are in a good place here and you are a part of the "AAD Family"

Post up whenever you feel the need and there will be someone about to offer support of help

Sounds to me that you are doing just great

[PlanB]

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.

I'm grateful to this site for the same reasons as you

I joined the forum over ten years ago after getting a claim from Santander for my ex Harrods store/credit card.

The rest, as they say, is history > https://www.bbc.co.uk/news/business-17670803

Which is one reason why I'm still here today.

Di

[Warwick65]

Yes I was dragged kicking and screaming from another forum by an old witch and have been pretty much here ever since ( had a few breaks when life got in the way). Not actually sure just how much debt I was in, too frightening to count but it was in the 10,s of 1000,s. Last one went SB just a month ago.

[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.

[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!

[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]

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]

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]

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]

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]

Harassment & Threat of Doorstep-Visit

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