hello guest

"their client".. how funny. So their client is themselves lol What a joke.

Yes i noticed that this morning. When the banks, judges, government and financial institutions are all in cahoots with each other, went to the same private schools together and lunch together at the golf club every Sunday then you can't expect fairness or impartiality.

limitations act plan shelved Credit Today online

No surprise how it went really.. Judges being buddies, friends or ex members of the board to the banks. God knows what the Banks will do to people now tho... £70 charge for being 25 pence overdrawn?....£150? They can do what ever they like now........

subbing

In other words "it's up to you to sort it out as we don't really care and are too scared to go up against Barclays to even bother trying". Usual TS response i'm afraid.

I believe it's called 'greed'. They have been adding about £10 a month to the account since buying it last December. Requests for a breakdown of how they arrived at that figure have been ignored. It doesn't matter though as they won't be getting it anyway

Hi Angel.. hope all is well. Yes still about now and then although pretty quiet so getting on with other things. As for 'fire'.. it's actually Cabot: Domain name: fireltd.co.uk Registrant: Cabot Financial (Europe) Ltd Registrant type: UK Limited Company, (Company number: 3439445) Registrant's address: 1 Kings Hill Avenue Kings Hill Kent West Malling Kent ME19 4AU United Kingdom

...and even when they say 'will' instead of 'may'.. still nothing happens. Look at the retreat below... i thought it was pre-litigation time (according to them). But no.. yet another attempt to collect without putting their previous threats into practice.

Yeah im not sure why the balance went down. in any case it's gone back up again now lol

NCO gave up.. Now AIG are trying it on.. usual get lost letter off to them today:

Thanks MrsP

Davey is back after a bit of an absence to usual rubbish from Cabot which isn't getting a reply. Can't be bothered to be honest lol

Thanks CB lol yeah .. perhaps i should have taken my cue from the borg Locutus and stated "resistance is futile"

My reply to Scotcall: "N O T I C E ACCOUNT IN DISPUTE I do not acknowledge any debt to your company, your client or it’s agents or representatives Dear Sir/Madam, Further to your recent standard template communication. Your company and/or representative’s implied access to my property is hereby formally removed as I note that there is only an implied license under English Common Law for certain people to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Take note, I revoke license under English Common Law for you, or any of your representatives to visit me at my property and if you do so without my permission, you will then be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone to visit me nevertheless. Any trespassers you attempt to send therefore will be dealt with accordingly and i will ask the attending Police Officer/s to arrest your so called ‘field representative’ on grounds of trespass and attempted fraud. Such action on your part would also contravene OFT Debt Collection Guidance. Unfortunately for Scotcall you will be just as unsuccessful in extorting moneys from me as the other 15 DCAs that came before you over the last 3 years in regards to this invalid account. You are quite welcome to contact RBS for copies of all the requests i have made to be supplied an enforceable credit card agreement if you wish along with all the other requests that I, or my solicitor, have asked for that have been ignored including information requested under the Civil Procedure Rules (Pre Action Protocols). I suggest you take OFT debt collection guidance more seriously after the recent action taken against other unprofessional DCAs, namely, 1st Credit and Mackenzie Hall, as the OFT are cracking down on unlawful and unfair debt collection practices and your organisation could be next. In respect to any irredeemably unenforceable alleged account you may be demanding unlawful payments towards i suggest you pass this invalid and worthless alleged account back to RBS. Any other template communication from you that i feel is not pertinent shall be read and filed for future evidence but not replied to as you may consider this is my final response and i have no intention of wasting further printer ink on the subject. (Unless Scotcall can produce a document signed myself that contains the prescribed terms as per section 61(a) and section 127(3) of the CCA 1974. But as that document does not exist you will be hard pressed to do so.) I shall not be making any payments towards the above alleged account under any circumstances but wish you the best of luck in your chosen career. Such that it is. Yours sincerely, davey"

relied to your PM talbot..

Hey GM, I have seen a few of these now and it's a good result but they will still try to pursue you for the amount even tho they don't have an agreement so it's up to you how you want to play it. Similar here: http://www.consumeractiongroup.co.uk/forum/legal-issues/177986-unenforceable-loan.html Always nice to know they haven't got a hope of ever getting you to Court after sending that letter tho! No progress on my front apart from this today from Scotcall. 1 letter going off to them removing access, stating the facts and informing them that no further correspondence wil be entered into etc

They have added about £10 to the account each month since they bought it last December. I have asked for a detailed breakdown at how these amounts have been calculated (as i view it as a charge for debt collection) but all i have had is a nonsense reply stating something about how they are able to charge 'interest' etc. I'm certainly not paying it! Still awaiting progress on the ICO complaint re the missing pages under my CCA/SAR requests. Could be a long wait. Until then i am ignoring them. They won't take me to Court and i can't be bothered to waste printer ink

BOS never reply to anything.. never did to me and i haven't found anyone who has had a personal response from them If you haven't sent a payment and they are thanking you for one anyway i would imagine it means they are using that method now in an attempt to reset the statue barred clock (as there is some indications that it 'may' be changed from 6 years to 3 next year.) I would, as a way of covering yourself, tell them that A. you have sent no payment (and do not acknowledge any debt to their company) and B. their refusal to communicate with you in a professional manner means no further responses will be forth coming. Their behaviour will be reported to TS and the OFT and that anything further sent will be read, filed for evidence and forwarded to the appropriate regulatory bodies but not responded to etc That's the way i would play it anyway.

There you go then.. nothing to worry about. Get your sky to an end next month and then tell the BBC to get knotted. Save yourself £142.50 a year