This is over a year old now, but he is now living with a lovely family, being spoilt rotten, thankfully most of his first year has been forgotten and he's now enjoying being a much loved family pet.

Ok, once again this morning we've received a letter from FIRE stating this is their Pre-Visit notification, no further Notice or warning will be given that doorstep agents will be call upon us! I've sent them letters, emails telling the account was in dispute, asking for copies of the CCA again and letter of assignment, none of which we have received. The letter states we have 48 hours to respond by calling 0845 0700381.

They say they did, but we didn't receive one, so when I questioned it, they sent a letter saying they had 'recently' acquired the account and the letter was dated the day I asked about the letter of assignment. When I questioned it, they said it was a copy of the letter they sent in December 2006, surely if it was a true copy it would have December 2006 date on it?

If it wasn't so frustrating it would be funny, we've not set up a payment, not agreed to any payment and they didn't/couldn't send me a copy of the CCA

Ok.....and today the saga has started again. We've now received a letter from Fire (Financial Investigations and Recovers Europe ltd) saying they are giving us notification of Instruction to Collect for their client Cabot. Letter states as follows: Dear Mr ................ Due to your failure to pay the above debt, FIRE has been instructed by our Client, the Cabot Financial Group, to recover the full outstanding balance on your account. This notice is issued for non-payment of the above debt Failure to pay your debt in full will result in further recover action PAYMENT IN FULL IS REQUIRED IMMEDIATELY You must now contact one of our agents in our Recovery Dept on 0845 0700381, opening hours Mon to Fri 8:00 - 21:00 Sat 9:00 - 16:00 Client: Cabot Financial Group Original Lender: Capital One Bank Ref...................... Balance................ How do I respond to this one.

Well if they 'think' they are already receiving payments from us let them continue deducting it off the balance, but it's not coming out of our bank account

No haven't got anything going to either company, and who agreed to this? we certainly didn't.

Haven't a clue what's going on, but just received this via e-mail: Dear , We are emailing you in regards to your Capital Once Bank Credit Card account. We are pleased to confirm that we have a repayment plan in place and are receiving regular payments of £1.00 per month. Yours sincerely, Cabot 0800 3280708 Not once did I agree to this???

If they aren't going to correspond with me any more, how do they expect me to set up a payment?

Here is todays latest update: Dear Our response to your correspondence I refer to your email below, which was received on 2nd June 2011. In your email you acknowledge receipt of the information we have provided in response to your request pursuant to section 77/78 of the Consumer Credit Act 1974 (“CCA”). However, I note you remain dissatisfied with the same. Upon reviewing our records, I refer you to our previous correspondence dated 19th May 2011, in which Cabot Financial (Europe) Ltd responded to the issues you have raised and our position remains unchanged. I would with respect advise you that you have been misinformed in relation to the arguments you continue to raise and you have no grounds for your continued dispute and failure to repay your financial liabilities. In addition to the above, I note your reference to section 127(3) of the CCA. From the documentation previously provided, there is no question as to the enforceability of your credit agreement. It clearly complies with the requirements of the CCA and the Consumer Credit (Agreements) Regulations 1983, relevant at the time. Should you intend to challenge the enforceability of your credit agreement, you must apply to the Court to obtain a declaration of unenforceability. We would recommend you seek independent legal advice prior to the commencement of any such proceedings. We would also like to highlight that the sole purpose of the CCA is for consumer protection, not to provide a method for the avoidance of a debt, which we believe you are attempting in this matter. I would again like to reiterate that the information provided is sufficient to satisfy the requirements set out under section 77/78 of the CCA. It is also adequate to justify the existence of this debt and your liability to repay the same. Therefore, we recommend that you continue to maintain payments in accordance with your agreed repayment arrangement, which for your information has been agreed for a monthly payment of £1.00. Finally, I note from your email received on 1st June 2011 that you refer to recent correspondence we have sent in relation to your account, which states we have recently purchased your account. I would like to take this opportunity to clarify that this letter was a duplicate of the introductory letter, which was originally sent to your address on 22nd December 2006. Therefore, it is clear that we have not been illegally trying to collect payments on your account as you have alleged. The Customer Assurance department will not enter in to any further correspondence with you regarding this matter as we have continually responded to the issues you have raised. For your ease of reference the outstanding balance on the above account is . I trust I have set out our position clearly. Yours sincerely Charlie Mitchell Customer Assurance Advisor Cabot Financial (Europe) Limited 1 Kings Hill Avenue, West Malling, Kent, ME19 4UA Tel: 0845 026 0463 Email: Web:

Ok, after receiving a copy of our APPLICATION form from Capital one via Cabot this morning by e-mail, I've now just had our post and yet another letter from Cabot.

Yes I edited out all personal details, wasn't sure I was allowed to show it. Thank you for your help. Watch this space for the next update.

Right first thing this morning, via e-mail, I've received a copy of our signed agreement with Capital One, I did e-mail them yesterday and told them they were in default and that their letters didn't tie up, and that they had been requesting payment for an account which they didn't legally own until, in their own words 'recently' I'm sorry to keep asking but what do I do next, now I have all the copies?

Certainly seems to be that way, I knew I had a letter from them but just couldn't find it when needed. Anybody know what I need to do next?

After lots of searching, I have found what I was looking for, I knew Cabot hadn't sent me anything back in 2008!!

I thought I had removed all the account details? Whoops sorry just saw what I missed removing, now I've taken the details off can I repost them?

Yes I did, in May 2010, their response was:- Dear Mr ******, Thank you for your recent email. Please confirm what it is you are disputing on this account. We look forward to hearig from you. Yours sincerely Cabot

Ok, yet another e-mail this morning from Cabot:- Your Query Further to your recent communication regarding the account detailed above. We have posted under separate cover a copy of the Assignment letter from Cabot Financial confirming the ownership of the account. This would originally have been posted to you on 22 December 2006 following our acquisition. We trust this clarifies the situation and await your response. Contacting Cabot If you have any queries, please call one of our customer advisors on 01732 524615 (Minicom: 01732 524630). Kind regards Cabot Financial We did NOT receive this letter (I bet they blame the Christmas post) and I have asked time and time again for copies of our signed credit agreement, which I've still not had or have they mentioned in any of their communications?

Nothing on our credit file from them, the debt isn't even listed against us I guess because of the age of it??

Strangely enough I had this from Cabot today via e-mail: Thank you for your email dated 17 May 2011. We confirm that this account was legally sold to us on 13 December 2006 and therefore ask that you contact us to discuss your repayment options. We look forward to hearing from you within the next fourteen days. Yours sincerely, Cabot Financial I know 2006 is a long time ago, but I can't remember seeing any letters from Cabot or Capital One stating the debt had been sold/bought......am I within my rights to ask for copies of the letter now?

Thank you, will dig out the copies and get them posted asap.

So do I again ask for copies of the original credit agreement? and are Cabot part of Capital One Bank? If they send copies of the Capital One agreement do I pay them or set up payments to Cabot, we're getting ourselves into such a mess here, haven't a clue what we are supposed to be doing

Young daughter, still at college, paid a cheque into her Santander bank account in November. No signs of it in her account until February 2011, after loads of calls from us, copies of the cheque which had gone through clearance at Santander, they finally agreed to pay it into her account. Two weeks later, the cheque also arrived in her bank account, so paid in twice, being honest she phoned them only to be told she needed to speak to a different dept. which she did, here we are 17th May 2011 and the money is still sat there, daughter paranoid of spending it in case they decide to take it back. We have now changed to the Co-operative, so much better, no stress!

I'm completely confused now, the original signed agreement copy was sent by Capital One in 2008, who we continued to pay each month, then in May 2010 we had a letter from Cabot similar to above, saying to pay them, not Capital. So we asked Cabot for copies of signed credit agreement to which they said they didn't have them and would no longer pursue us for the debt, but would contact us from time to time to keep in touch. Last payment was to Capital in May 2010. As Cabot couldnt supply us with with documents requested, we then sent the 'account in dispute' letter. Hope that helps I have e-mailed them another copy of the original CCA which was sent in May 2010

Sorry not sure what you mean, this is just a letter that we've received, first one in over a year regarding this account, not sure if you can read this I photographed the letter to show what I've received: