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cabot cca

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mark1966
mark1966 Posts: 389 Forumite
in Debt-free wannabe
http://img16.imageshack.us/img16/9773/cabotcca.jpg

This is what cabot sent me today in response to my cca request.
It did contain my signature which ive blacked out could someone please check the validity of it.


thanks
«1

Comments

  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    mark1966 wrote: »
    http://img16.imageshack.us/img16/9773/cabotcca.jpg

    This is what cabot sent me today in response to my cca request.
    It did contain my signature which ive blacked out could someone please check the validity of it.

    As it stands, mark, that 'application form' does not appear to be a true copy of the executed consumer credit agreement, as required under the terms of the Consumer Credit Act, 1974:

    http://forums.moneysavingexpert.com/showthread.html?p=6815188
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • mark1966
    mark1966 Posts: 389 Forumite
    thanks rog

    It was a old providian cc that changed to monument then cabot bought it off barclaycard.They sent me full soa although i only requested the cca and with it was monument ts and cs but no prescribed terms no credit limit etc
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    mark1966 wrote: »
    thanks rog

    It was a old providian cc that changed to monument then cabot bought it off barclaycard.They sent me full soa although i only requested the cca and with it was monument ts and cs but no prescribed terms no credit limit etc

    I doubt very much that a cca actually exists.

    Can you remember when you made the last payment, or written acknowledgement, to this 'debt', mark?
    If it was, as I suspect, over six years ago, then it is more than likely that the 'debt' is Statute Barred, anyway, and no longer pursuable through the courts:

    http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • 10past6
    10past6 Posts: 4,962 Forumite
    mark1966 wrote: »
    They sent me full soa although i only requested the cca
    They do that when they don't have the agreement ;)
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • mark1966
    mark1966 Posts: 389 Forumite
    rog2 wrote: »
    I doubt very much that a cca actually exists.

    Can you remember when you made the last payment, or written acknowledgement, to this 'debt', mark?
    If it was, as I suspect, over six years ago, then it is more than likely that the 'debt' is Statute Barred, anyway, and no longer pursuable through the courts:

    http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act

    I Have been making regular payments to cabot so its not statute barred.
  • Merlinexcalibur
    Merlinexcalibur Posts: 1,699 Forumite
    Not gatecrashing anything but as far as I know you can stop making payments at any time until a proper CCA is produced. Though others will correct me if I am wrong. Which I don't mind because I learn more that way. Oh, sorry, I am treading on others toes by offering any help I see. *tosses eyes*. Didn't realize only certain people on this forum were allowed to for example. I shall mind my P/Qs in future.
    Any help, opinions, views I may hold those are my own. Respect them as you would expect the same in return. Offered freely, is gleaned from a lifetime of experiences, knowledge gaining. Passed on to benefit others. I may be direct, ask you questions but those are to help you. Up to you if you choose to take it. I won't judge you either way.
  • mark1966
    mark1966 Posts: 389 Forumite
    Merlinexcalibur wrote: »
    Not gatecrashing anything but as far as I know you can stop making payments at any time until a proper CCA is produced. Though others will correct me if I am wrong. Which I don't mind because I learn more that way. Oh, sorry, I am treading on others toes by offering any help I see. *tosses eyes*. Didn't realize only certain people on this forum were allowed to for example. I shall mind my P/Qs in future.

    The account is in dispute and they have had the 12+2 letter so i have stopped making anymore payments until they produce a signed true copy of the original agreement.
  • shell64
    shell64 Posts: 26 Forumite
    mark that is what they send me back mine was with lowell though i was not trying 2 get out off paying the money i owed there were really not nice 2 deal with that was going back in november last year in the end i got a letter saying that because they havent got a cca just an application form witch was the same as yours they have written the whole balance off because they new they could not enforce it good luck though
  • Chisel_2
    Chisel_2 Posts: 24 Forumite
    Cabot sent me the same application form saying it was a complete CCA as my signature was on the form agreeing to be bound by the T&C's. They are still hounding me though, why do they hound some people and not others????
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    Chisel wrote: »
    Cabot sent me the same application form saying it was a complete CCA as my signature was on the form agreeing to be bound by the T&C's. They are still hounding me though, why do they hound some people and not others????

    Have you reported them to either the Office of Fair Trading (Trading Standards) or the Financial Ombudsman? :confused:
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
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