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Hello :sick:,
Sorry, not having a very good day, pain is bad.
My second debt with Cabot is an alleged debt of some 3,000+GBP.
I had a credit card from Monument in, I think 2005, with a 2,000GBP limit. My first piece of written evidence relating to this debt comes from Cabot and is dated 1/11/2006 in which they confirm an agreement I made to repay the outstanding debt of 2,734.82GBP at 5GBP/month. Obviously, this was one of the 5-6 I had arranged to repay through Regency Finance. Silly, I know, because they took a commission and I now know there are any number of ways it can be done without having to pay a fee. I have several reminders that I had not been making repayments as agreed from May 2007 onward until a letter came on 29th April 2008 to inform me that Cabot had bought the a/c from Monument and that the debt was now 3110.26GBP. On the reverse of the letter are a couple of points I should read carefully, one of which purports that they are now the "legal owners" of the a/c.
I had informed Cabot as early as February 2007 that as a result of the damage done to my left wrist in an accident in Dec 2005, I had found it impossible to continue working and that I was now therefore in receipt of Incapacity Benefit, and out of work. I added that all indications were that I would never be able to do manual work again and that I would no longer be earning the amounts of money that made having credit cards possible. I had also respectfull requested that they squash the debt as there was no way I would be able to repay it.
I had been tempted to write and congratulate them on their 'purchase' but chose instead to just ignore them. All telephone calls were just disconnected as soon as the caller was identified. All letters were returned unopened. Everything went quite until 8th September last year when I received a letter threatening me with one of the following :-
1) a Warrant of Execution
2) a Charging Order
3) an Attatchment of Earnings ?! (Do they READ the mail?)
4) an Order to Obtain Information, and
5) an External Debt Collection Agency or Legal Agency calling on me.
I was outraged and did in fact reply, pointing out that
{ 1)} was pointless [ see { 4)} below]
as was {2)} since I have no property,
{ 3)} was just plain stupidity,
{ 4)} needed to be served as far as I know and I NEVER answer my door to anyone who does not have an appointment and finally,
{ 5)}..see { 1)} above.
I have only had telephone calls relating to this matter since then.
I now need to rest for some time before posting the H.F.C. and Welcome Finance problems in new threads.
I trust that those of you following my posts will please forgive me my apparent weakness, but I seriously do hurt. Thank you.
Sorry, not having a very good day, pain is bad.
My second debt with Cabot is an alleged debt of some 3,000+GBP.
I had a credit card from Monument in, I think 2005, with a 2,000GBP limit. My first piece of written evidence relating to this debt comes from Cabot and is dated 1/11/2006 in which they confirm an agreement I made to repay the outstanding debt of 2,734.82GBP at 5GBP/month. Obviously, this was one of the 5-6 I had arranged to repay through Regency Finance. Silly, I know, because they took a commission and I now know there are any number of ways it can be done without having to pay a fee. I have several reminders that I had not been making repayments as agreed from May 2007 onward until a letter came on 29th April 2008 to inform me that Cabot had bought the a/c from Monument and that the debt was now 3110.26GBP. On the reverse of the letter are a couple of points I should read carefully, one of which purports that they are now the "legal owners" of the a/c.
I had informed Cabot as early as February 2007 that as a result of the damage done to my left wrist in an accident in Dec 2005, I had found it impossible to continue working and that I was now therefore in receipt of Incapacity Benefit, and out of work. I added that all indications were that I would never be able to do manual work again and that I would no longer be earning the amounts of money that made having credit cards possible. I had also respectfull requested that they squash the debt as there was no way I would be able to repay it.
I had been tempted to write and congratulate them on their 'purchase' but chose instead to just ignore them. All telephone calls were just disconnected as soon as the caller was identified. All letters were returned unopened. Everything went quite until 8th September last year when I received a letter threatening me with one of the following :-
1) a Warrant of Execution
2) a Charging Order
3) an Attatchment of Earnings ?! (Do they READ the mail?)
4) an Order to Obtain Information, and
5) an External Debt Collection Agency or Legal Agency calling on me.
I was outraged and did in fact reply, pointing out that
{ 1)} was pointless [ see { 4)} below]
as was {2)} since I have no property,
{ 3)} was just plain stupidity,
{ 4)} needed to be served as far as I know and I NEVER answer my door to anyone who does not have an appointment and finally,
{ 5)}..see { 1)} above.
I have only had telephone calls relating to this matter since then.
I now need to rest for some time before posting the H.F.C. and Welcome Finance problems in new threads.
I trust that those of you following my posts will please forgive me my apparent weakness, but I seriously do hurt. Thank you.
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