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Old bank loan & Crapbot

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  • #16
    Re: Old bank loan & Crapbot

    The actual legal entity who now has the rights to the benefits (e.g. payment) of the agreement will, of course, be stated in the Notice(s) of Assignment. (Per the Law of Property Act 1925 s136).
    CAVEAT LECTOR

    This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb


    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.


    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

    Comment


    • #17
      Re: Old bank loan & Crapbot

      Originally posted by charitynjw View Post
      The actual legal entity who now has the rights to the benefits (e.g. payment) of the agreement will, of course, be stated in the Notice(s) of Assignment. (Per the Law of Property Act 1925 s136).
      ......and that entity is a different company from that pursing me.

      Comment


      • #18
        Re: Old bank loan & Crapbot

        This is how Cabot themselves explain it.
        http://www.cabotcm.com/important-inf...n-with-the-fca
        CAVEAT LECTOR

        This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

        You and I do not see things as they are. We see things as we are.
        Cohen, Herb


        There is danger when a man throws his tongue into high gear before he
        gets his brain a-going.
        Phelps, C. C.


        "They couldn't hit an elephant at this distance!"
        The last words of John Sedgwick

        Comment


        • #19
          Re: Old bank loan & Crapbot

          An 'appointed representative'. Still doesn't make sense to me when the pursuant company doesn't legally own the debt.

          Comment


          • #20
            Re: Old bank loan & Crapbot

            Originally posted by Captain Haddock View Post
            An 'appointed representative'. Still doesn't make sense to me when the pursuant company doesn't legally own the debt.
            If you think that there is a problem with this, perhaps it may be an idea to contact the FCA for their take on it.
            I'm guessing that atm there is no actual litigation?
            Is there a threat of court? (ie "we will", as opposed to "may" or "might").
            CAVEAT LECTOR

            This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

            You and I do not see things as they are. We see things as we are.
            Cohen, Herb


            There is danger when a man throws his tongue into high gear before he
            gets his brain a-going.
            Phelps, C. C.


            "They couldn't hit an elephant at this distance!"
            The last words of John Sedgwick

            Comment


            • #21
              Re: Old bank loan & Crapbot

              Perhaps I'm being thick but why isn't the company that now owns the debt doing the pursuing? I read the article on the Cabot thread about licensing, too.

              No, not litig, just pussyfooting around.

              Time for the DSAR to OC.

              Comment


              • #22
                Re: Old bank loan & Crapbot

                Well, got another letter, WFW identical to the last but this totally ignored my CCA request from one month ago. Totally.

                Comment


                • #23
                  Re: Old bank loan & Crapbot

                  An interesting thing is that the CCA request was sent via recorded delivery yet, according to Royal Mail, proof of delivery cannot be ascertained. This is dangerous ground, where a company can deny receipt of a letter as it has not been signed for. Thankfully, Crapbot have acknowledged the letter's receipt. RM investigating.
                  Last edited by Captain Haddock; 9th April 2017, 07:08:AM.

                  Comment


                  • #24
                    Re: Old bank loan & Crapbot

                    RM investigating - be a 1st, = so many times they ignore over the years! On paying for a service = an agreement to serve, not complying and recording as per contract = fraud but of course the R.M (now private company) as previous owners get away with sub standard operations and no recourse except for a few stamps as compensation regardless of impact on senders credentials.

                    but of course you do have the receipt from Recorded delivery posting paid for! any judge would onus that RM delivered to said addressee.

                    Comment


                    • #25
                      Re: Old bank loan & Crapbot

                      Originally posted by MIKE770 View Post
                      ......except for a few stamps as compensation regardless of impact on senders credentials.
                      You were spot-on, Mike770: a handful of stamps and a withering apology. No word of an investigation but I'm not letting it go.

                      I'm tempted to send another RD, just to see what happens. I know that certain places of dubious integrity are known to, somehow, dodge signing for documents, usually because of a 'special relationship' with their local friendly postie. Way back when RM was still publicly owned I had served an LBA on an unscrupulous plumber who was threatening my mother. No signature was obtained and the letter made its way back to me! I found out that a lot of firms, fearful of opening a RD letter, would often pay the postie to 'lose it'.

                      Anyway, back on topic. Let's see what Crapbot do now.
                      Last edited by Captain Haddock; 11th April 2017, 05:56:AM.

                      Comment


                      • #26
                        Re: Old bank loan & Crapbot

                        Update re the missing signature on the recorded delivery letter.

                        Heard an interesting thing the other day from a postman who, upon me relating my experience to, said that letters being delivered but signatures being refused is becoming more common with certain business. He stated the the people on the front desk of some firms are refusing to sign out of an unwillingness to be named in a paper-trail. Also, there are bulk deliveries of letters that cannot ever be signed for, he said. It really begs the question why RM offer this service when it's patently being ignored.

                        Comment


                        • #27
                          Re: Old bank loan & Crapbot

                          as already said fraud by non complying with contract on payment for a service and failed to comply with contract! like the government get away with it,

                          Comment


                          • #28
                            Re: Old bank loan & Crapbot

                            Well, they finally supplied a copy and it looks kosher. Interesting to note, though, that the covering letter states they never received a PO or the letter supplying it but earlier correspondence acknowledged the PO letter. I'll now have to check if that PO was cashed.

                            Comment


                            • #29
                              Re: Old bank loan & Crapbot

                              PO wasn't cashed. Weird.

                              Now threatening me with home visits. Time for the old harassment warning.....

                              Comment


                              • #30
                                Over a year later and with no further action, this has now found its way into the hands of Moorcroft, whom I remember being rather difficult to deal with a decade ago.

                                Must I go through the rigmarole of CCAing them on the account, knowing it will set off the chain reaction of pestering letters??

                                Comment

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