i have tried several times but doesn't seem to work..can you give me any pointers on what to do.i've scanned the image but can't import to cag thread.

hi although i've received what looks like an application form on which my sinature appears and they quote the consumer credit act 1974,can i go as far to say that the cca request i posted well over 12 days ago to Cabot is in default? i have pm'd all three above for a letter to send next but as yet no reply. thanx dazza vbrep_register("1129897")

hi although i've received what looks like an application form on which my sinature appears and they quote the consumer credit act 1974,can i go as far to say that the cca request i posted well over 12 days ago to Cabot is in default?

hi i got a credit report recently and it has this debt on there which obviously is having an effect on my credit rating. could i write to equifax,experian etc to explain this debt and that i am disputing it or wouldn't it make any difference? thanx dazza

hi i've tried to scan and post the actual agreement but it doesn't want to do it for some reason. this is what it says to the letter more or less: Complete and post your reply today! my address Declaration: Credit Agreement Regulated by the Consumer Credit Act 1974 I applying for a Providian National Bank credit card , pin and cheques subject to status.I authorise you to send me a Visa card and or any other card you may offer me.I accept and agree to be bound by the Terms and conditions .I am a uk resident over 18 yrs of age .All the information provided by me is true and accurate.I authorise you to search the files of any credit reference agency .which will retain a record of the search.i further authorise you to share information about me with other creditors through credit reference agencies in order to make credit decisions ,carry out occasional debt tracing and prevent fraud.you may telephone me in connection with my application or to offer me any other products or services linked to my account. DATA PROTECTION ACT I agree to any information about me being used in accordance with condition 16 of the terms and conditions. sign: This is a Credit agreement regulated by the Consumer Credit Act 1974.sign it if you only want to be legally bound to these terms. my signature and date. on the bottom it has a bar code and underneath it says application form then it has on the left hand side my annual income .my tel no and whether i am working full time and a homeowner tenant etc . thats about it really .

hi received a letter from Robinson Way yesterday (after sending the letter provided by Priority One.Thank you Priority.)saying that they won't be pursuing me for the debt but has been passed back to their client .(cabot i assume). will pm one of the above today for a letter to send to cabot. thanx for all the advice. dazza

ok great thanx will do

thanx for the advice . is there a letter i can get off here that someone else has written ?as i'm not very good with words.also if i want to complain to the finacial ombudsman what exactly do i say? thanx dazza

hi ok thanx . the thing is i am not disputing the debt i did owe and obviously i had an agreement with providian credit card.what i am disputing is the fact that this debt was paid off in full but they still say i owe them money.every time it gets passed from ROBINSON WAY,KINGS HILL and CABOT the amount gets more and more. what angle can i take next to get it through to them that it has been paid off or does it take going to court to stop it? i have asked for a statement of account but just been ignored. the agreement says at the top Complete and post your reply today! my address Declaration: Credit Agreement Regulated by the Consumer Credit Act 1974 I applying for a Providian National Bank credit card , pin and cheques subject to status.I authorise you to send me a Visa card and or any other card you may offer me.I accept and agree to be bound by the Terms and conditions .I am a uk resident over 18 yrs of age .All the information provided by me is true and accurate.I authorise you to search the files of any credit reference agency .which will retain a record of the search.i further authorise you to share information about me with other creditors through credit reference agencies in order to make credit decisions ,carry out occasional debt tracing and prevent fraud.you may telephone me in connection with my application or to offer me any other products or services linked to my account. DATA PROTECTION ACT I agree to any information about me being used in accordance with condition 16 of the terms and conditions. sign: This is a Credit agreement regulated by the Consumer Credit Act 1974.sign it if you only want to be legally bound to these terms. my signature and date. on the bottom it has a bar code and underneath it says application form then it has on the left hand side my annual income .my tel no and whether i am working full time and a homeowner tenant etc . thats about it really . thanx again dazza

Hi all . i've been getting advice on one of the other pages about debt with cabot and robinson way and was advised to ask someone dealing with cabot about the credit agreement i've receieved after sending a cca and statement of account . my thread is under the name dazza3956 and titled robinson way. i am starting a thread in here as my debt has been passed from kings hill to robinson way then to cabot . as i've explained on the other pages that this debt has been paid off in full but they keep adding extra on as it gets passed from dca to dca. i've tried to put the letter on here that i've receieved but can't seem to get it done for some reason. please could someone have a look at my thread and avise me on the next step. i sent a cca to cabot on the 20/8/07 they have sent my £1 back saying they dont accept this but will get the relevant info from monument. now they have sent me a supposedly original credit agreement but having read about them on here i think it is just an application for credit. thanx dazza

hi ok thanx . the thing is i am not disputing the debt i did owe and obviously i had an agreement with providian credit card.what i am disputing is the fact that this debt was paid off in full but they still say i owe them money.every time it gets passed from ROBINSON WAY,KINGS HILL and CABOT the amount gets more and more. what angle can i take next to get it through to them that it has been paid off or does it take going to court to stop it? i have asked for a statement of account but just been ignored. the agreement says at the top Complete and post your reply today! my address Declaration: Credit Agreement Regulated by the Consumer Credit Act 1974 I applying for a Providian National Bank credit card , pin and cheques subject to status.I authorise you to send me a Visa card and or any other card you may offer me.I accept and agree to be bound by the Terms and conditions .I am a uk resident over 18 yrs of age .All the information provided by me is true and accurate.I authorise you to search the files of any credit reference agency .which will retain a record of the search.i further authorise you to share information about me with other creditors through credit reference agencies in order to make credit decisions ,carry out occasional debt tracing and prevent fraud.you may telephone me in connection with my application or to offer me any other products or services linked to my account. DATA PROTECTION ACT I agree to any information about me being used in accordance with condition 16 of the terms and conditions. sign: This is a Credit agreement regulated by the Consumer Credit Act 1974.sign it if you only want to be legally bound to these terms. my signature and date. on the bottom it has a bar code and underneath it says application form then it has on the left hand side my annual income .my tel no and whether i am working full time and a homeowner tenant etc . thats about it really . thanx again dazza

hi all i received a letter today from Cabot with what looks like a credit agreement from the year 2000.with my signature on and the date. on the bottom it says application form underneath a barcode of some kind.i've tried to scan it and put it on here but have failed so does anyone know if this is an original credit agreement as Cabot claims it is. any advice on what to do next would be great. it does actually say "this is a credit agreement regulated by the credit act 1974" above my signature. thanx dazza

that sounds great.thanx a lot .will send that tomorrow recorded delivery thanx

thanx . i would like to have the letter if you don't mind please . i am getting so annoyed with all this now and just want to have my say really instead of ignoring them. i really hope they take me to court so it could be sorted once and for all. thanx much appreciated.

hi again received a letter from Robinson Way again this morning saying "you have not responded to our previous letter" and threatening to send out a door collector or alternatively i could pay in full or part payment to their office . is this just a computerised letter as i recentl had a letter from Cabot for the same debt and thought it had been passed back to them. any advice on what letter i could send these idiots would be gratefully received . thanx dazza

ok thanx again.

ok thanx. is there an address for Trading Standards and what do i report them for? would it be for not supplying the information in the required time ? thanx again

hi all received a letter from Cabot Financial(after requesting CCA and Statement of Account). It says : please find enclosed your cheque for the £1.00 fee required under section 77 to 78 of the Consumer Credit act,as we do not accept this statutory fee. Cabot will always assist the customer and the creditor in providing information and therefore i can confirm that Cabot has requested relevant documentation from Monument(never heard of Monument. Anybody have any ideas who they are? The original debt was for Providian credit card). It goes on to say that on receipt of this documentation it will be forwarded to myself. It also says that there mey be a delay in providing the documents as the vender may have to retrieve them from archives . Therefore would appreciate my patience and cooperation. Could someone please advise me on this letter received thanx again dazza

hi Robinson Way have now passed the deadline for replying and are now in default.what is the next step now? can someone please advise me or point me in the right direction for the appropriate letter to send. i have also sent a CCA letter to Cabot as it seems Robinson Way have passed it back to them. any advice would be great thanx

hi Robinson Way have now passed the deadline for replying and are now in default.what is the next step now? can someone please advise me or point me in the right direction for the appropriate letter to send. i have also sent a CCA letter to Cabot as it seems Robinson Way have passed it back to them. any advice would be great thanx

ok thanx. i don't intend to make anymore payments to these as the debt has been paid.i will go to court if need be to sort it out. is there a letter to S.A.R these people and how much does it cost to do it? i just read on one of the posts that you shouldn't sign any letters to dca's as they can paste it to documents and use it .i wish i had read it earlier as i did sign the letter to robinson way when i sent for cca and statement of account.what can i do if they do this as i know i haven't signed anything else with them apart from the letter i sent? thanx again

ok thanx. i don't intend to make anymore payments to these as the debt has been paid.i will go to court if need be to sort it out. is there a letter to S.A.R these people and how much does it cost to do it? i just read on one of the posts that you shouldn't sign any letters to dca's as they can paste it to documents and use it .i wish i had read it earlier as i did sign the letter to robinson way when i sent for cca and statement of account.what can i do if they do this as i know i haven't signed anything else with them apart from the letter i sent? thanx again

ok thanx for your help

ok..great to hear that..something else i would like to ask is that it appears on my credit file as owing the amount of money they say .is there any way i can get them to take it off or show as settled or do i have to wait until all this business is settled with the dca's? thanx again dazza

ok great .thanx for that ..does it matter that cabot used to own the debt by the look of it or not? thanx