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  • billytommo
    replied
    Re: Cabot

    I have a Cap1 card which Niddy deemed to be a good while ago. It has fairly recently been acquired by Cabot, the UK version, and they have been suggesting that they will refer the account to Shoosmiths. I intend to SWID cabot as well as SAR Cap1, unless anyone has any alternatives ??

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  • Susie
    replied
    Re: Cabot

    thank you, it went yesterday

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  • Never-In-Doubt
    replied
    Re: Cabot

    Originally posted by Susie View Post
    My Cap 1 has been sold to Cabot. I now have a letter from their solicitors re court action being taken. The solicitors cient is Cabot Financial (UK) Ltd.

    This has been edited, please see the original post for details
    As you have already done CCA I'd send back the new LBA Response as detailed above --> http://forums.all-about-debt.co.uk/s...l=1#post541854

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  • PlanB
    replied
    Re: Cabot

    Originally posted by Susie View Post
    My Cap 1 has been sold to Cabot. I now have a letter from their solicitors re court action being taken. The solicitors cient is Cabot Financial (UK) Ltd.

    This has been edited, please see the original post for details
    Link to Susie's diary http://forums.all-about-debt.co.uk/s...l=1#post542762

    As Niddy has said each case is different so may follow a different legal path.

    We cannot generalise on all Cabot's debts.

    Update on your thread and we'll offer help and support there

    Plan B x

    Leave a comment:


  • Susie
    replied
    Re: Cabot

    My Cap 1 has been sold to Cabot. I now have a letter from their solicitors re court action being taken. The solicitors cient is Cabot Financial (UK) Ltd.

    This has been edited, please see the original post for details
    Last edited by Susie; 13th December 2015, 22:00.

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  • Never-In-Doubt
    replied
    Re: Cabot

    Originally posted by Hopeful View Post
    Thanks Niddy. I've deleted the post as I've only just noticed your previous comment about discussing tactics publicly as the solicitors involved browse these pages.
    It's fine - what you did is ideal as we (admin) can see deleted posts so if you do want to create a post - then edit it and delete all the content - we can go in and read what you wrote but nobody else can

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  • Hopeful
    replied
    Re: Cabot

    Thanks Niddy. I've deleted the post as I've only just noticed your previous comment about discussing tactics publicly as the solicitors involved browse these pages.

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  • Never-In-Doubt
    replied
    Re: Cabot

    Hopeful - send the LBA above when Mortimer write

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  • Hopeful
    replied
    Re: Cabot

    Deleted
    Last edited by Hopeful; 10th December 2015, 11:34. Reason: Deleted

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  • Never-In-Doubt
    replied
    Re: Cabot

    LBA Template for these cases is now uploaded - 2016 LBA Template

    Thread re-opened.

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  • Never-In-Doubt
    replied
    IMPORTANT UPDATE - HOIST & CABOT CASES

    Hi

    Regards the issues with Hoist & Cabot - and all previous posts made by me on this; having discussed this in detail with our Solicitor we would suggest you follow the process below. Please remember that the below is generic designed to help protect you from certain actions. As each case may be different, try and use common sense before proceeding with any next steps - if unsure then send me a PM. Click HERE to PM me.

    Option 1 - CCA Sent in the past which was Unenforceable / Incomplete
    In this situation it would be wise to leave things well alone and literally respond with a simple 'this is in dispute' template. The template to send is HERE

    Option 2 - CCA Sent in the past which was Enforceable and remains with the same DCA as the last CCA Request
    In this situation it would be wise to send a new CCA Request to the DCA unless you did one in the last 90 days, in which case you need to determine whether writing back is wise or not. So if the CCA was last requested within the last 3 months then I'd suggest you update your diary and PM me so I can check things for you. If however you last sent a CCA request over 3 months ago, send another (to the DCA). Template to send is HERE

    Option 3 - CCA Sent in the past which was Enforceable and has been sold to a new DCA since your last CCA Request
    In this situation it would be wise to reissue a new CCA Request to the new DCA as documents do get lost in translation so what was once EN / UE, may no longer be. Template to send is HERE

    Option 4 - No CCA ever sent
    If you have never sent a CCA Request then do one asap! This would be sent to the DCA with a 1 fee. Template to send is HERE


    Additional - SAR Request to Original Creditor

    For all cases above, if you have not requested SAR from the Original Creditor then it would be wise to send a request (it costs 10) - this will save time long term but only do this if the DCA (Cabot or Hoist Portfolio) have written to say they've sold the account to Restons / PRA / Shoosmiths. Template to send is HERE

    Additional - LBA Response to solicitor acting for Hoist / Cabot

    This is a new template specifically designed to respond to a legal threat from Hoist or Cabot's law firm (PRA / Restons / Shoosmiths). Only send this if you get an LBA from one of the solicitor firms mentioned. ** LBA TEMPLATE **

    I hope the above makes sense but if not please PM me. I do not want to discuss tactics publicly here where the solicitors named herein are known to browse AAD

    Leave a comment:


  • mauijim
    replied
    Re: Cabot

    Originally posted by julian View Post
    So are they spreading the joy to Shitsmooths and Rectums to give them all a bit of the action or to confuse?
    I've had dealings with Rectums and ShitSmooth, they are both bastards. They never supply the data you want and they try to brow beat you into things. So far it is going in my desired direction and I fully intend, with the help of AAD, to keep it going that way!

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  • julian
    replied
    Re: Cabot

    Did you know that Cabot understand debt and want to share their thoughts with some poor unsuspecting wretch? They are prepared to reduce the debt they own to allow the wretch to become free from the debt sooner, subject to appropriate payment. If he sniffs at this kind offer what is the proposal to pay? Solomon's choice or what?

    I believe in Father Christmas and fairies, world peace and that George O is a lovely man.

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  • julian
    replied
    Re: Cabot

    So are they spreading the joy to Shitsmooths and Rectums to give them all a bit of the action or to confuse?

    Leave a comment:


  • nanna58
    replied
    Re: Cabot

    Cabot have tried to contact me to discuss account, as they can't they are referring to Restons who will want to speak to me in 7 days .

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