Just being pedantic for a moment... Obviously, Cabot won't have been the original lender or creditor, as Cabot are NOT a lender (not yet anyway, as far as we know. Unless Morley raises it's head at some stage perhaps). They WILL have been the purchaser of the account from the original lender.

The so called agreement does not appear to satisfy the requirements of the CCA 1974. Cabot, you really must do your homework before buying this sort of nonsense. How can you expect to make a profit if you keep on buying unenforcable accounts? Silly, silly people.

As always, you have a flair with the written word, Sosumi. Me, I'd have just written, "shove it up yer @rse" Go on TT, get the virtual tipex out. My bad.

THIS is why you should always SAR the original creditor, Trumpet.

Try not to worry too much though. Whether you do or don't accept their explanation is immaterial. It doesn't change the fact that there is a law to be adhered to, regardless of how slippery and sneaky they THINK they are being.

Have Cabot fulfilled THEIR obligations????

It's important NOT to bank the PO or cash it in. Keep hold. While you are waiting, have a good read of all the other Cabot threads. This will give you a good idea of how this lot operate.

If you don't quote an account number, all they'll have to go on is your name and address. So in your SAR to Cabot, quote the Cabot reference. It's one they'll have generated, so is certainly not an acknowledgement of any debt. Have a go with this. And don't forget to send £10... You might like to also SAR the OC as mentioned previously. This will allow you to see exactly what the state of play is, and if they comply fully, will include all your statements, original agreement etc. Just adjust the above letter to suit.

There's the bank charges reclaim type SAR, which you can simply amend to suit. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html#post2480 Basically, you'll want them to send you EVERYTHING they hold on you, and which should contain all your statements and, if it exists, any agreement you might have signed. It will all help you get to the truth of the matter.

Innocent until proven guilty... ain't Britain Great.

What, like Cabot Financial (UK) Limited did back when they used to be known as Kings Hill (No1) Limited? NOT that I'm suggesting for one minute that the above mentioned company features in the OFT's Hall of Shame.

It should be a matter of public record though, if action IS taken against the companies. However, I would far rather we find out in a lateral way, by seeing a significant decrease in the number of postings here in CAG regarding certain companies. Surely then, we can all say we've had a hand in achieving something remarkable... making the Rogue DCA's toe the line. Nice find, Sosumi.

Yup. It's 12 working days. To be honest, it's unlikely they'll meet the deadline. Either the 12 or the 30 days. Even if they do, you'll probably not get a properly executed agreement from what I've heard. However, there is a little bit of confusion about all this. It's the little word IF. So IF there isn't a properly executed agreement in the first place, the cannot comply, but the IF is their let-out against a complaint regarding non compliance. It's a bit of a catch 22 situation for them though. You can't complain really about non compliance, but THEY on the other hand can't take you to court. Only IF a valid agreement turns up, can they take you to court or otherwise enforce the debt. But IF it does, you can then get them hammered for non complaince. Crazy, eh? Oh, by the way. There's only a handful of Cabot Employees in there, and I either know all about them anyway, or they're as interesting as the bottom of my shoe.

I need to join the London network then. Hmm. No I don't. They're just sad, boring people really.

Sarah the moll. HAHAHAHAHAHAHA

If they do, and argue about it, just tell them the Cabot Fan Club are on the case. They'll know EXACTLY who you mean. Oh, and while you're at it, ask if they can give you some Bebo and MySpace page addresses. I need some fresh content for my blog. Most of the last lot have closed their accounts.

Perhaps it might be useful to produce the following from Francis Bennion's website. It should do much to persude, as he wrote the 1974 Act after all.

If Cabot are using MH to collect this debt, it is entirely possible the reason is, they know it is unenforcable in the first place. Most likely reason being, it is statute barred by virtue of being over 6 years old. If that is the case, then there won't be any record of the debt on your credit file. And if you have no idea what might have caused the alleged debt to have been sold to Cabot, then it's a possible case of them chasing the wrong person in the hope of getting a positive hit. THAT might be another reason for MH's involvement too. In this way, Cabot can claim ignorance in any shady debt collection practices that might occur. Even though they are legally responsible for their agent's behaviour. Do keep us up to date. This sounds like it could get quite interesting.

If it WAS a business debt, it won't be covered by the CCA. But at least it will have started the ball rolling, and you'll be able to get to the bottom of this. Might be an idea to get a copy of your credit report too. Which DCA is it?

Sarah, perhaps we SHOULD "Make Cabot an offer". One that they can't refuse. Now give Trumpet his thread back, there's a good girl.

And flowers. And chocolates. Shoes too. OOPS. Hijacking this thread, ain't we. Soz. Carry on. :]

Poxynonentity fan club? SpexNoTent? Come on... someone must have an idea of how it should go from now on.

It's only at the consultaion stage at the mo. No decision is even pending, so don't get yer hopes up. Although the industry seems pleased so far. In a No News is Good News kind of way.

I think that after a couple of recent court cases, Cabot have well and truly had their fingers burnt. Perhaps they are a bit more wary now about litigation when all they have is a dodgy agreement to rely on. However, bear in mind that even if Cabot cease all contact, it's very likely that there wil be default registered against you, making life difficult for a few years.

Yup. Forget Amberloan for the moment. It's Cabot that need to be dealt with now. I'm quite annoyed here. How many folks will carry on paying, blissfully unaware of exactly how Cabot earn a crust. I wonder too whether Cabot stick to the terms of the original agreement, or add any sneaky "extras" on. Nothing that shower do would surprise me.