At the very beginning of all this all i wanted was the company who i was payig each month on my DMP ,just to prove to me they had a legal right to collect payments from this account.... CABOT FINANCIAL (EUROPE)LTD CANNOT PROVE THEY HAVE A LEGAL CLAIM require the following action from Cabot : 1. All payments made to date to Cabot for this account should be refunded in full, including interest at the rate of 8% per annum. 2. Removal of all defaults entered by Cabot. Note this is to be a complete deletion and not merely an amendment. 3. I look forward to compensation under Section 13 of the Data Protection Act 1998 to be offered for the processing of my data in the manner it has been done over the past number of years. 4. After a full refund of all payments with interest and compensation are received by myself, you will be required under Section 10 and Section 12 of the Data Protection Act 1998 to cease and desist all manual and automatic processing of my data within your company and any other company within your group. should i use the small claims pack and the n1 now?? Any suggestions please. spuddly:)

blooming tinternet went off apoligies for the delay..

you are so helpful many thanks.. would you agree to my suggestion that the letter sent earlier was relevant and make an issue about the default removal.?

Hi no reply as yet to my 2nd sar request letter. also cheque not been presented for cashing as yet. I hope they are getting a cheque ready for me instead:D

I sent my second letter with payment for £103 no reply reguarding status of CCJ think they are ignoring my letters:mad: .

any comments ..

Thank you very much for your comments . i have been looking back and i believe the letter i sent cabot at (post 12) is even more relevant now. also who would i send my letter to to get the default removed seeing as they never bothered to send me notification at the time! Kings hill/ cabot??

[quote=make them aktiv runners; This suggests that the assignment was Equitable and Citicards retained the "duties". In spuddlys case it begs the question of the postmark on Citicards envelope. Could you please explain what you mean as reguards the postmark spuddly:-)

thank you.... i was trying to find out yesterday as to when citicards bought associates

T&C from barclaycard sent with alleged agreement

heres the copy barclaycard say is my credit agreement . It does contain all the details (removed obviously) about me and also my signature they have also sent T&C with the alleged agreement.. comments please.

ok, here is there response to a complaint i made to Crapbot comments....plz

what do you think to this next reply from CITI....... looks to me like cabot are in for a rough time!!

hmmmm..!! loosks like more fuel for my chimenia. well i was expecting my first letter from citi to be a copy of the T&C at least with this letter? also i was told on the phone a few weeks ago that they DID have a copy of my agreement and it was on its way ...So is christmas love:p . spuddly:)

recieved this in the post today first attempt blurred posted again..

can i....or should i take litigation on barclaycard !!!

unfortunatley i posted the letter earlier today..

here is my complaint to barclaycard ... after looking more closley at the letter sent by james waddle which looks like a clone of the letters i get from MERCERS except added to barclaycard logo headed paper?? oh yes and the logos are on diffrent sides!!! 04/08/07 Barclaycard house Massey road Stockton on tees TS17 6EX COMPLAINT Dear Jackie green ACC NO: ACCOUNT IN DISPUTE First I would like to bring to your attention that I have not received any communication from Barclaycard whatsoever since 17/06/05 regarding any matter including late payments until I received two letters on 03/08/07 one of which was from yourself the other from James waddle (copy enclosed). I also wish to bring to your attention that I have sent Barclaycard a request for CCA agreement on 02/05/07. (Copy enclosed+ proof of delivery to Barclaycard) Barclaycard had until 22/06/2007 to comply with my request. Barclaycard failed to provide me with a true copy of a properly executed credit agreement by this date, Barclaycard have committed a criminal offence and their conduct will be reported to the Office of Fair Trading, the Financial Ombudsman and Trading Standards. Any investigation undertaken by them may affect your ability to offer credit in the future. In my personal opinion and after dealing with other creditors who have been able to produce all the relevant Credit agreements within the allotted timeframe I see no reason as to why it is taking so long. To resolve this complaint 1. I would like a true copy of my Credit agreement If it cannot be produced 1. The account closing 2. A zero balance 3. Removal of all defaults entered by Barclaycard. Note this is to be a complete deletion and not merely an amendment 4. Also you will be required under Section 10 and Section 12 of the Data Protection Act 1998 to cease and desist all manual and automatic processing of my data within your company and any other company within your group. I expect to receive a written response within the next 10 days upon receipt of this letter. Yours sincerely spuddly:-)

Just thought i would post my next communication i am sending . Cabot financial (Europe) ltd PO Box No 241 West mailing Kent ME19 4NA COMPLAINT Dear Sir or Madam Re Despite numerous requests to Cabot financial (UK)/ The Associates, I made a formal request for a copy of the signed, executed credit agreement for the above account under Section 77(1) and Section 78(1) of the Consumer Credit Act 1974 and a true signed copy of the Deed of Assignment has not been complied with. Further, I do not acknowledge any debt to Cabot/citicards. Regarding the original reply 26/03/07 I was told it would be 21 days but could take 8-10 weeks to retrieve the information required from archives it has now been 19 weeks and still no credit agreement or deeds of assignment. On the 27/06/07 I received a phone call from CITICARDS, to say I was surprised is an understatement as I had no idea who they were? I was informed that they had bought The Associates a few years earlier and why was I asking for a copy of the agreement, I explained my reasons why and was told that the agreement still exists and it would take a further 2-3 weeks to retrieve from archives in the meantime I would be sent a copy of the terms and conditions within the next few days, it has now been 6 weeks and I have not received anything. May I point out that at no time was I informed of CITICARDS purchasing The Associates and therefore my account with The Associates had been transferred to CITICARDS ownership? I believe I should have been notified at the time by letter from both parties involved of my account transfer, I have received no such letters (Deeds of Assignment) I believe that my DATA has been shared without my knowledge or consent under the DATA protection act 1998, which I intend to report to the information commissioner’s office. I sought further advice from trading standards and they contacted citicards and spoke to Joanne who confirmed I was the account holder before she would discuss the account with T/S officer Joanne told T/S that they have the letter that I sent requesting the CCA but don’t know where the £1 cheque is that I sent with the letter. And it will take them a further 2 weeks whilst they find my CCA as they have to send a request internally, two weeks have passed and still nothing. I have been back to Trading standards and been advised to report the matter to FSA. In my personal opinion and after dealing with other creditors who have been able to produce all the relevant Credit agreements within the allotted timeframe I feel that the whole procedure in dealing with Cabot/ Citicards has been a long and unnecessary process that should have been resolved within the 8-10 weeks as promised in the original letter. To resolve this complaint 1. I would like a true copy of my Credit agreement 2. I would like a true copy of the Deed of Assignment If these cannot be produced 1. The account closing 2. A zero balance 3. Removal of all defaults entered by Cabot/kings hill no1 /The associates also including citicards. Note this is to be a complete deletion and not merely an amendment 4. Also you will be required under Section 10 and Section 12 of the Data Protection Act 1998 to cease and desist all manual and automatic processing of my data within your company and any other company within your group.

notice the first line..of the second letter "in my previous letter"... all I can say is someone somewhere has recieved my mail . I seem to have three diffrent departments/addresses to go at now. I have only ever contacted Barclaycard PO Box 5402 Northampton NN1 1ZR spuddly

frickin eck...!!! just like the buses dont hear anything for ages then 2 come at once.

2nd S.A.R - (Subject Access Request) sending today Paragon personal finance ST CATHERINES COURT HERBERT ROAD SOLIHULL WEST MIDLANDS B91 3QE Dear Sir/Madam ACCOUNT NUMBER This account is still in dispute and I do not acknowledge any debt to you or anyone you purport to represent Thank you for your letter dated 3/07/07 the contents which have been noted. I have sought advice from my local Trading Standards. After going over the statements of the account opened 18/02/2001 I have noted that you have applied sundry debits to the account and they total £200 which is more than the original amount when I joined the Debt management programme which at the time was £138.00 (26/02/2002).Could you please justify these charges. As they appear to have been unlawfully applied as I have never received a copy of the agreement until 18/07/07 and any terms and conditions, you have not complied with my request for an executed agreement under CCA 1974; therefore I do not acknowledge these charges and require them to be refunded in full. I had already paid an upfront interest fee of £25.28 according to the statements sent. Then no interest was applied until 2003. May I remind you that you returned my subject access request cheque for £10 as it did not apply for a copy of the statements to this account, However, I still require details 0f ALL DATA held by you including telephone calls, computer records; written transcripts and any verbal discussion or manual intervention I am once again enclosing the £10 cheque to cover the fulfilment of my original SAR. Due to the current postal strikes I would hope to receive a written response within the next 10 days upon receipt of this letter. Yours sincerely

Thanks ODC, I will pop the cheque back in the letter just for good measure and let them send it back again if they want.. Spuddly:)

Been to TS today about CITICARDS/CRAPBOT still no CCA or T&C after given a further 2 weeks notice( good film!!), i digress,told to report the SOB to FSA ASAP by phone or "tinternet".

spoke to Trading standards and they suggest writing a letter to ask what sundry debits are so i put this together for them to chew on . Paragon personal finance ST CATHERINES COURT HERBERT ROAD SOLIHULL WEST MIDLANDS B91 3QE Dear Sir/Madam ACCOUNT NUMBER Re This account is still in dispute Thank you for your letter dated 3/07/07 the contents which have been noted. I have sought advice from Trading Standards and after going over the statements of the account opened 18/02/2001 I have noted that you have applied sundry debits to the account and they total £200 which is more than the original amount when I joined the Debt management programme which at the time was £138.00 (26/02/2002).Could you please justify these charges. As I have never received a copy of the agreement until 18/07/07 and no terms and conditions I do not acknowledge these charges and require them to be refunded in full. I had already paid an upfront fee interest of £25.28 according to the statements sent no interest was applied until 2003. May I remind you that you returned my subject access request cheque for £10 as it did not apply to this account, therefore you have no correspondence in relation to this account other than the alleged credit agreement.