Cabot financial

carlyan

I have cabot financial chasing me for a debt they claim I owe, I honestly do not think the debt is mine, after advice on here I sent a 'prove it' letter along with the £1 postal order and 12 days to reply - over a month later I get a letter back stating I dont have to see the assignment letter that this is between Cabot and the original creditor and that I have to start paying immediately. They also returned my postal order. Its as if they have intentionally chosen to misunderstand my request and ignore it. I sent the prove it letter word for word as advised. They are threatening to send collectors to my door, and to be honest it doesnt over worry me, but like anyone I could do without the hassle.
What should my next step be?
Many Thanks

DevCoder

Raise a complaint with them stating they do need to "prove it". Give them 8 weeks and then escalate to the FOS

bottleofred

Hi Carly send the letter below. Print your signature though or better still, get someone else to sign it, as debt collectors have been known to be creative in the past. Send the letter via recorded delivery and do not give them a contact telephone number.

Good luck

Red

1 High Street,
Newtown,
Kent
R21 4RH
October 9, 2007

The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG

Dear Sir/Madam

Ref: xxxxxxxxxxx

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

We would point out that we have no knowledge of any such debt being owed to The Loan Company.

We are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

We would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

We would ask that no further contact be made concerning the above accounts unless you can provide evidence as to our liability for the debt in question.

We await your written confirmation that this matter is now closed. Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

We look forward to your reply.

Yours faithfully





Mrs A N Other

carlyan

Thank you for that I will print and send it and await a response.