Pookies UE Diary

[Never-In-Doubt]

Re: Pookies UE Diary

Intimi what?

We don't "do" intimi's at AAD - you'll be fine

[pooksthebear]

Re: Pookies UE Diary

Just ignore them for the moment and see what they do next

Ok Niddy will do, must admit though I feel a bit intimidated by them...hope they crawl back into the hole they came out of.

Pooks

[Never-In-Doubt]

Re: Pookies UE Diary

Just ignore them for the moment and see what they do next

[pooksthebear]

Re: Pookies UE Diary

Wrong.


Wrong answer.

The request was not made under sections 77 or 78.


In other words, they don't have anything and they expect that Yorkshire Bank doesn't have anything either.

It should be interesting to see what crap they cobble together.

I've a feeling they wont cobble anything together and just come back to me repeating they don't need to send anything as its irrelevant and demand a payment. Cabot seem to be a law unto themselves from what I've been reading, they don't seem shy of going to court either!

Pooks

[CleverClogs (RIP)]

Re: Pookies UE Diary

Hi all!! Well I haven't had a phone call from Cabot but they have responded to the Niddy special letter with this....

Our final response to your complaint

[COLOR="black"][I]I understand you are dissatisfied with our letter and believe we are harassing you for the repayment of this account.

I note your reference to the Consumer Credit (EU Directive) Regulations 2010. I can confirm that your reference to the same is not relevant to your circumstances, as these regulations are only applicable to agreements taken out after 1 February 2011.

Wrong.

Furthermore as previously advised there is no need for us to provide a copy of your credit agreement in accordance with your request for information under sections 77/78 of the Consumer Credit Act 1974 and our position remains unchanged.

Wrong answer.

The request was not made under sections 77 or 78.

Nevertheless your account has been referred to our Customer Relations Department to obtain this documentatio, which will be forwarded to you upon receipt. With regard to the content of your credit agreement, as we do not currently hold a copy of the same on file, we are unable to provide a comprehensive response accordingly.

In other words, they don't have anything and they expect that Yorkshire Bank doesn't have anything either.

It should be interesting to see what crap they cobble together.

I note that you believe we are harassing you for a debt. We would like to confirm again that we have taken over your account from Yorkshire Bank, the original lender and we are responsible for administering your account.. blah blah... As a result we are seeking your co-operation in settling your financial liabilitites. Notwithstanding I can confirm that your telephone numbers have been temporarily removed from our records. However i must re-iterate that if we do not receive your co-operation in paying towards your outstanding balance, we shall reserve the right to re-instate telephone contact using your new number.

Oh dear. The threat to reinstate your 'phone number(s) was itself meant to be intimidatory and, hence, was further evidence of deliberate harassment and of conspiracy to cause harassment.

Cabot takes all legal and regulagtory responsibilites seriously and abides by industry codes of practice and guidance.

Liars.

We wish to assist our customers get back on track with their finances and that is why we are contacting you.

That is nearly true, as they consider the alleged creditors to be their "customers". The alleged debtors are merely the resource to be exploited by whatever means Cabot pleases to try.

I trust we have set our position clearly. However, if you remain dissatisfied with our response you may bring the complaint to the attention of the FSA ...

And they'll henceforth send only threat-o-grams and daft letters concerning collectable doorsteps?

Hmmm.... so they are maintaining that they do not have to comply with my request and that the law does not cover my agreement as it only applies to agreements made after Feb 11, is this correct?

It is certainly a correct summary of what they originally stated, but their understanding of the law is - as one might expect - somewhat impaired.

You should have noticed that, having wrongly stated what the law requires of them, they immediately proceeded to contradict themselves by promising to forward the document(s) to you.

I'd say the Niddy Special got them rattled!

Also is the heading "Final response to complaint" anything to worry about?

No, as it just means you can complain to the Fundamentally Supine Authority or the bank Fobbing Off Service should you wish to waste your time and their (Cabot's or Yorkshire Bank's) money without having to wait for the Cabot "complaint procedure" (???) to be completed.

Finally... are they saying they do not have a copy of my credit agreement?

As I wrote above - the Niddy Special seems to have unsettled them so much that they were almost shocked into a state of temporary honesty.

It won't last for long, though.

[CleverClogs (RIP)]

Re: Pookies UE Diary

Nice to see Niddy now responds to the name of 'Flower'

Buttercup?
Daisy?
Iris?
Petunia?
Stinkwort?

[pooksthebear]

Re: Pookies UE Diary

Hi all!! Well I haven't had a phone call from Cabot but they have responded to the Niddy special letter with this....

Our final response to your complaint (what complaint???)

I understand you are dissatisfied with our letter and beleive we are harassing you for the repayment of this account.

I note your reference to the Consumer Credit (EU Directive) Regulations 2010. I can confirm that your reference to the same is not relevant to your circumstances, as these regulations are only applicable to agreements taken out after 1 February 2011. Furthermore as previiously advised there is no need for us to provide a copy of your credit agreement in accordance with your request for information under sections 77/78 of the Consumer Credit Act 1974 and our position remains unchanged.

Nevertheless your account has been referred to our Customer Relations Department to obtain this documentatio, which will be forwarded to you upon receipt. With regard to the content of your credit agreement, as we do not currently hold a copy of the same on file, we are unable to provide a comprehensive response accordingly.

I note that you believe we are harassing you for a debt. We would like to confirm again that we have taken over your account from Yorkshire Bank, the original lender and we are responsible for administering your account.. blah blah... As a result we are seeking your co-operation in settling your financial liabilitites. Notwithstanding I can confirm that your telephone numbers have been temporarily removed from our records. However i must re-iterate that if we do not receive your co-operation in paying towards your outstanding balance, we shall reserve the right to re-instate telephone contact using your new number. Cabot takes all legal and regulagtory responsibilites seriously and abides by industry codes of practice and guidance. We wish to assist our customers get back on track with their finances and that is why we are contacting you.

I trust we have set our position clearly. However, if you remain dissatisfied with our response you may bring the complaint to the attention of the FSA .. blah blah...


Hmmm.... so they are maintaining that they do not have to comply with my request and that the law does not cover my agreement as it only applies to agreements made after Feb 11, is this correct? Also is the heading "Final response to complaint" anything to worry about? Finally... are they saying they do not have a copy of my credit agreement? Sorry for all the questions!


Pooks

[pooksthebear]

Re: Pookies UE Diary

Hi all! Well I have not had a phone call from Cabot this week so I guess they have received my letter!! Well done and massive Thank You to Niddy for the superb letter!!


Thank you.. Pooks

[Never-In-Doubt]

Re: Pookies UE Diary

I replied cos I spent hours helping planB

[pooksthebear]

Re: Pookies UE Diary

Nice to see Niddy now responds to the name of 'Flower'

[pooksthebear]

Re: Pookies UE Diary

Yes ignore for now, if necessary I'll sort you a suitable reply....

Ok will do. Just noticed...Connect is part of Mackenzie Hall.. so much for closing file after 40 days!

yes send the same £1 PO from last time - dont get a new one.

Yep still got that and they are good for 3 months so still in date.

Thank you

[Never-In-Doubt]

Re: Pookies UE Diary

Right.. while I am on a roll should I do anything about this:

6th Dec got letter from Mackenzie Hall sending back my postal order saying they had requested CCA from Capquest and if no contact within 40 days they would close my file. 7th Dec demand for payment from Mackenzie Hall. 12th Dec demand for payment and doorstep threat from Meritforce (on behalf of Capquest). 12th Jan full and final offer made from Mackenzie Hall. 30th Jan demand for payment from Connect on behalf of Capquest. Still no CCA. I have ignored all (except doorstep threat, sent a template threat letter in response) Am I ok to keep ignoring?

Yes ignore for now, if necessary I'll sort you a suitable reply....

Also.. seeing as Cabot sent my postal order back with my request for CCA (stating they didn't have to provide as overdraft)..well as I'm now sending them the above letter, do I need to send a £1 postal order with the letter?

yes send the same £1 PO from last time - dont get a new one.

[pooksthebear]

Re: Pookies UE Diary

I know, I know

Just kidding, but see what I mean how mine is more direct and to the point? Trust me, see what that does

Its brilliant Niddy, you must have one heck of a brain!! I thought I was good at letter writing till I came across yours!!

[pooksthebear]

Re: Pookies UE Diary

Right.. while I am on a roll should I do anything about this:

6th Dec got letter from Mackenzie Hall sending back my postal order saying they had requested CCA from Capquest and if no contact within 40 days they would close my file. 7th Dec demand for payment from Mackenzie Hall. 12th Dec demand for payment and doorstep threat from Meritforce (on behalf of Capquest). 12th Jan full and final offer made from Mackenzie Hall. 30th Jan demand for payment from Connect on behalf of Capquest. Still no CCA. I have ignored all (except doorstep threat, sent a template threat letter in response) Am I ok to keep ignoring?

Also.. seeing as Cabot sent my postal order back with my request for CCA (stating they didn't have to provide as overdraft)..well as I'm now sending them the above letter, do I need to send a £1 postal order with the letter?

Pooks

[Never-In-Doubt]

Re: Pookies UE Diary

Niddy you are brilliant!!!!! Thank you

I know, I know

Just kidding, but see what I mean how mine is more direct and to the point? Trust me, see what that does