This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

could someone from admin remove this thread and at the same time remove me from cag

So an Industrial Estate is classed as URBAN

I have just received a letter requiring me to confirm name and address, intending to take proceedings, details are as follows . On Saturday 7/5/2016 I was returning from a friends business on an Industrial Estate at 12.02, I know the estate very well having WORKED for KODAK ltd for years on the same road. It states that I was travelling at 39 MPH on a 30MPH road on an INDUSTRIAL ESTATE on a SATURDAY morning with very little traffic on it (more about that later). I would like to point out I have been driving for years without any speeding offences, the car I was in is a Motability car that I had not long taken ownership of due to my problems with my spine. I was using the car as a familiarity exercise as I usually do with the change over , the time I have owned the car is approximately 2 to 3 weeks in that time one thing I noticed whilst driving on a motorway is that the speedo faces are different to my previous car Quashqui, which is one of the key items of driving and watching your speed. I have been up to that estate today to take photographs and check on the speed limit signs, NONE as there was no WARNING on the day in question of any "speed checks", I also noticed that as I was getting out of my car to take the photograph of Acornfield Road from The Gatehouse of Kodak, an articulated lorry went past and nearly forced me back into my car he was going that fast......NO CAMERAS about today. Also would like to point out that on my journey from home to the estate on the GPS on my car there were speed signs on all the roads I travelled on UNTIL I got onto the ESTATE and then NOTHING at all on any of the roads , especially Acornfield Road, this seemed s funny to me as with all my driving with this car until I have fully familiarised myself with the controls and instruments the GPS is on all the time , even though I have never used it until today for reference to the speed limits of different roads , Could I also point out that this vehicle is fitted with a Turbo that none of my previous cars had fitted so all the more reason for me to make fully aware of the vehicle I am driving now. I am going down to the dealer I got the vehicle off to take photographs of the speedo face in the Quashqui. I have been told by a friend I could get a "speed awareness course " in place of a fine and points, suppose this is the easy way out, but this annoys me due to the fact I have for months been complaining to my Local Councillor of the waste of Council Tax payers fund, that have been used to put 20MPH signs in my road, ( not an Industrial Estate ) but a residential area were cars are continuously doing in some instances 50 mph , maybe more, I have nearly been hit on a few occasions getting out of my car, also they come on you that fast even if when you check in the rear view mirror, To say that I am annoyed over this is an understatement , as I have been driving cars and riding motorcycles for over fifty years with only a few minor offences , none in my more mature years as I have adjusted my driving accordingly, when I was working at Kodak the lab. I worked in looked out onto that road and we used to look out at the traffic and it was used as was a lot of Industrial Estates by LEARNER drivers, because of the lack of traffic on those roads, Maybe this was a learning exercise for these camera operators as I think it rather strange to be doing this on an Industrial Estate instead of a RESIDENTIAL AREA. Undecided what to do, any suggestions, swallow my pride and go on the course

thanks in advance

Why would Cabot stop taking anymore Direct Debits...........................unless the debt had been paid off, do they usually do business in that way, to purposely have a reason to make people lives a misery with their harassing letters, or am I missing something

I have all the information I need I have a letter from my bank listing all the direct debits that were paid I also have my statements listing them and dating them , then The bank stating it was Cabot that stopped taking the direct debit when it paid in full, I repeat the bank state that CABOT "stopped" taking payments. All of this I have written down from the Bank , so what I would like to know is where has all the Direct Debits gone that they took from my account

Hi , it was not the Bank I was after it was "Cabot" I wanted report and to someone ,to get into court and put them out of business , they must be answerable to someone. I am at a loss to understand how they are allowed to still be in business being so incompetent, but then again I should not be surprised at what is allowed to go on , after all it is "England", which encourages "spivvery" allows them to get away with murder.

Again have to apologise for lack of replying, it has been my turn to go on hospital visits, blood tests, xrays and ecg's, waiting on the results , in the mean time I have broke out in a rash to end all rash's, the nurse doing the ecg's said it is probably been triggered off by "anxiety" , thanks a bunch Cabot, you going to pay for all of this. I had a reply from them saying they did not have the information that I had requested ,but they would get it and get back to me. Well yesterday the latest from them is as follows, "Unfortunately Cabot has not been able to provide you with the requested information within the relevant time period. ........Surprise surprise . they are continuing the request, in the mean time my account is on hold until they can comply with my request. This I find very interesting they go on to state that "Your credit agreement is currently unenforceable ,which means we are not permitted to obtain a judgement or decree in Court. However you are still obliged to repay the outstanding balance as confirmed in this letter." What sort of planet or "substance" are these "blockheads" on. They go on to offer recommending contacting Citizens Advice and to contact them as soon as possible to set up a repayment arrangement or continue with your existing one. Excuse me but one was already set up and paid in full with copies from Bank and statements to prove it so.... ........instead of following that advice I will be taking everything to a Solicitor , sending details of all we have had to put up with to my MP ,and sending them a "very strong " worded letter informing them of "pending Legal Action " by myself. This is not about compensation now as the amount needed to do so, they would not be able to afford as I would be requesting "MILLIONS" it is all now about putting them out of business. Are there any organisations that they are responsible to , that I can also contact informing them of the manner in which they conduct, and wrongly harass people in the process.

Thanks once again for the helpful info ,will get that letter off to them today and report back ,though not expecting any reply

Update 12/12/2013: It is nearly three weeks and still no reply ,how long do they have to reply ,if it is over the time limit ,what is the next step. thanks in advance

I finally sent off the CCA to crabot last Monday 25th. November 2013 with request for all the information they have on me as advised. To date not had any form of reply,

If they stopped taking the DD why would they do that , I am sure I got a phone call or letter of an offer to close it, but cannot remember , surely if they stopped the DD it is there fault not mine , I will ask the Halifax to explain why the DD was stopped by them. Might just tell Cabot to take me to court would love to show them out to be the idiots that they are, off to the PO for a postal order

Sorry for the delay in replying as I said been back and forwards with my Wife to Hospital appointments, update ....... I received another letter from my bank (Halifax) which I think is very helpful, they sent me an itemised list of Direct debits with final comment, " After 1st.June 2009 the originator did not claim another payment". Does this mean it was Cabot that cancelled the direct debit,??????????. I can/will contact the bank to confirm who it was that cancelled the direct debit, but if they as originator did not claim any more payments surely that proves what I am saying is true. I have just had another letter from them this morning the amount they want now is £1274.77p, where this comes from baffles me as it does not tie in with the Banks Direct Debit figures, as I have a bit more free time before next Hospital appointment I am going to the Post Office to get the postal order , then write to them as you have requested I do and send it reordered delivery . But I am also going to write to my MP asking his opinion on this Firm and if he can do something about getting them closed down, in my opinion they are [blankety blanks], the evidence is here on this forum for all to see, something has to be done about them. Could someone explain if I am right in my interpretation of the banks wording "the originator did not claim another payment". that it was Cabot that closed the account, as being paid in full. I am also asking the bank to explain what they mean and for them to tell me who closed the direct debits, and did I send a cheque to them before that date as a final settlement if so what date etc...... will update when I hear from them (Cabot) that is if they do. I would like them just to take me to Court and then show the written evidence against them.

Just got back from the Hospital we are back again tomorrow and Friday going to start writing letters in between, First one is to the bank to get the details of the direct debit cancellation then this lot of prats, With reading all of the complaints about this company I am surprised it is allowed to trade, could we not all band together and get them shut down, oooooops I forgot it is after all England, and regarding this sort of thing "anything goes", in fact this Government or for that matter any English Government regardless of in power or not encourages this sort of thing , they are just as bad as them all.