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  • Re: Cabot

    They do keep picking at the scab. It seems like they are trying out the new templates just to see if their change in wording exacts any response. Oh no, it won't.

    It takes me back to early days in the work environment when a direct question or answer was thought to be too abrupt. eg Do you want a coffee? vs can I interest you in a caffeine-based hot beverage? Difference between equals and master-servant or American and English or scientist vs sociologist or HR. Perhaps Darling Ds has been on a course.

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    • Re: Cabot

      Yikes they have just bought another of mine... it's bad enough having to deal with them in their various guises on one, two is going to do my head in
      Niddified and proud!

      Fought and won the UE battle, thanks to Niddy and this forum...
      SB since 2016. Now have my life back!

      (I used to be MustGetStraight but I've lost a "t")

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      • Re: Cabot

        April Fool!
        Letter dated 1/4 from Darling Debs as an agony aunt. She has provided a really good example of how they can help clear the debt when provided with I&E and inside leg measurement by working out payment plans. She is really, really keen to help. My mate is so grateful for this kind note in troubled times.

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        • Re: Cabot

          Ah bless she is so nice xx
          if you do it today and you like it you can always do it again tomorrow


          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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          • Re: Cabot

            I can't wait for my monthly missive...come on Debs...

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            • Re: Cabot

              Ooooooohhhhh! getting stroppy and threatening handing over to a debt collector. What are they? Wealth distributors?

              Can't wait to tell them it is SB and unenforceable, but why give them the heads up until needed?

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              • Re: Cabot

                Why indeed x
                if you do it today and you like it you can always do it again tomorrow


                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                • Re: Cabot

                  Getting serious now. Two letters in a fortnight and now a 14-day time limit to contact them before they send in the dogs, but 14 days from when? Such larks, Debs!

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                  • Re: Cabot

                    Originally posted by julian View Post
                    Ooooooohhhhh! getting stroppy and threatening handing over to a debt collector. What are they? Wealth distributors?

                    Can't wait to tell them it is SB and unenforceable, but why give them the heads up until needed?
                    I can't wait to be able to tell them that

                    They really are extremely irritating aren't they.
                    Niddified and proud!

                    Fought and won the UE battle, thanks to Niddy and this forum...
                    SB since 2016. Now have my life back!

                    (I used to be MustGetStraight but I've lost a "t")

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                    • Re: Cabot

                      Is it all over? On the Cabot website they ate that they have all the necessary FCA permissions to let the dogs loose since 1st April. Sorry cannot paste the link.

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                      • Re: Cabot

                        Looks as if they can no longer afford the cost of a postage stamp. Robinson Way have now started me Emailing instead!

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                        • Re: Cabot

                          Originally posted by julian View Post
                          Is it all over? On the Cabot website they ate that they have all the necessary FCA permissions to let the dogs loose since 1st April. Sorry cannot paste the link.
                          Interesting to see the answer to that and what happens to the portfolios the purchased when they had no licence. Seems wrong that they can buy without and then say everything is fine now we have got our house in order
                          When you have nothing you have nothing to lose

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                          • Re: Cabot

                            Originally posted by Susie View Post
                            Interesting to see the answer to that and what happens to the portfolios the purchased when they had no licence. Seems wrong that they can buy without and then say everything is fine now we have got our house in order
                            Thats an issue for the court to determine as they are only Appointed Representatives
                            Legal Disclaimer
                            I am a solicitor Advocate who specialises in consumer credit and my firm is Joanna Connolly Solicitors. My leading case of Carey v HSBC set the legal precedence for creditors compliance with s.77 & s.78 Consumer Credit Act 1974 statutory requests & enforcement of debts in court. Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk.

                            If you need to contact me you can send me a message by clicking my username or by emailing me at jo@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340.

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                            • Re: Cabot

                              In theory treat them as a normal dca. If it's UE then no need to reply. If it's in default (missing PT's etc) then no need to reply. Only if I've previously said its enforceable is it worth sending a new request in case of any current errors since the previous request. Check with us on your diary / on here before sending a new CCA. I'm specifically suggesting if they threaten legal - and it's enforceable - I'd probably send a new CCA then and then only.

                              Don't stress. Just don't give them a reason to remedy past failings.
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                              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                              • Re: Cabot

                                if they are starting to issue deadlines before action etc...but like me you're away from base for a few months and don't receive the letters (genuinely) ..can they proceed anyway on the assumption you are just not responding ??

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