Cabot

samma_2

I have taken the 1st steps...I have cancelled the DD and typed the letter to send tomorrow with a PO for £1.
I feel quite liberated already by just taking these early steps. Its not that I don't want to pay, indeed I have been paying for the last 10 years since I first became ill and it is only the last 3 years that I have had to reduce payments to my creditors and now there are only 3 left to pay.
Cabot over £5000
Lloyds over £1000
Tesco £245 (they won't accept a FF of £100, in fact were quite snotty in response)

I am now going to change my bank account as I bank with Lloyds and have done for 34years...I am considering going with Barclays as they offer online banking which is perfect for me as I live in a rural village and cannot leave the house on my own to get into town. Is Barclays a good choice for a basic bank account??

PARIS_5000

I have dealt with cabot and I found them a nightmare to deal with and they do not freeze the interest they just set it aside. I did full and final with them because I could not take the stress and wanted to stop the interest.

Good luck

keith_lard

samma wrote: »

. Is Barclays a good choice for a basic bank account??

The Coop or Natwest do basic bank accounts with Internet banking!

all free.

k.

samma_2

OK..new basic bank account running,with Barclays, just waiting for DD's etc to go over in next 30 days or so..
It took about 1 hour to arrange it all, which was much longer than I expected but was easy enough to do..the site told me to take 2 ID's but I should also have taken my bank statement so that I knew what DD's to arrange and what benefits rates I was receiving, but it was not really a problem.

I have sent the CCA request to Cabot this morning with £1 postal order..hubby is a bit panicky about this.

Next step, ring Nat Debtline etc about DRO

Will keep you updated:)

samma_2

[IMG]http://forums.moneysavingexpert.com/<a href=[/IMG]


Thought this may be helpful to other posters (I hope this image works as I have not used this before)

1st Response to my CCA request from CABOT and they returned my PO for £1.00

samma_2

The letter from CABOT..my apologies if this in not allowed

http://i190.photobucket.com/albums/z15/samm1379/Ebay%20Pics/CABOTccaresponse12May2009.jpg

fermi

samma wrote: »

The letter from CABOT..my apologies if this in not allowed

http://i190.photobucket.com/albums/z15/samm1379/Ebay%20Pics/CABOTccaresponse12May2009.jpg

Standard reply from Cabot.

They always claim that they are not required to provide the info, but that claim has been proved wrong time and time again.

Don't believe a word of it.

There are several examples here (and many more elsewhere) where Cabot have been forced to admit that they cannot enforce a debt if they cannot supply a valid agreement.

samma_2

for info only to other members~
Barclays basic account says that it will be able to change over your DD's to new account but it can' t it has to be done manually.. but it easy to do yourself especially if you have online access to your DD's, I went through them with my personal banker but I could have done it just as easy myself, you will need your DD details, account details(password etc) plus a telephone number for each DD account (sky, bt etc) Sky wanted a Debit card payment as it was 11 days only until payment went out (they need 14 at least) not a problem luckily.

samma_2

Re: setting up Barclays Basic Account
All D/D's now set up in new account..not too much bother to do this but I have been waiting to receive a membership no and Pin to carry out online banking but none rec'd..rang Barclays today and got membership number but now have to wait 3working days to receive a new pin..
Husband not rec'd his membership number but has a Pin..but his details not recognized by system so it has blocked him and have to send out new details too ..aargh!

samma_2

Okay...sent letter requesting CCA to Cabot and rec'd acknowledgement from them on 13 May 2009, this makes 12+2 days today..is this working days only or do I allow extra time for weekends and for Bank Hols?
What is the next step as I have not heard from them yet?
Thank you