Had a similar thing with Cap1 myself- they sent me the same as they sent you (after a CCA request)...I'm guessing there are unlawful charges on this account too? Anyhoo, got no sense at all out of Cap1 until I complained to the FOS and then Cap1 acted immediately...They closed the account, wiping both the monies owed and my credit files...also got a nice cheque for all the unlawful charges I'd paid in the past...this after Cap1 had bluntly refused to even reduce the £20 charges to £12. It's my feeling that Cap1 HATE the FOS getting involved and fold as soon as they are...I'm not the only one it's happened to, far from it

bump

l337 Speak.. you have a PM

It's none of their frikkin business...Just sit tight and wait to see what they come up with regarding the CCA request.

Are you sure Henderson Booth and Snell aren't just a front for an in house arm of HBS.....the same as Blair, Oliver, Scott are for Bank Of Scotland.

Aren't IqOR the DCA that tries to collect for the CSA ? If they are, kinda makes sense the government would go with them....If they're not, then it would be a lowest bidder thing.

And it's my belief FV1 don't even exist as a company....Where are FV1 based? Do you have an address or phone number for them? Are they listed at company house, and if yes what sort of company are they? etc etc etc.... This FV1 'argument' first surface on these boards many moons ago and none of us could find much out about them - well not for an FV1 in this country anyway. I've been 'dealing' with FV1 for about 18 months ago and they haven't had a penny from me, i've asked them many times to prove themselves as a company and I'm still waiting for that said proof.

I sent 5 off in Feb 2007 and am still waiting for four of them, the other one came back as an application form, so technically I'm still waiting for that one as well.

This info (re FIRE) came to light almost 2 years ago http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/67053-information-cabot.html (post #103) but I'm always more than happy to thrust Cabot back into the limelight for those newer members

The follow up to this is for you to write to them, demanding they remove any adverse data they are recording on your credit files. If there is no CA then they shouldn't be reporting this 'debt' to the credit ref agencies.

Personal choice. I always sign it completely differently to the way my signature is. Some DCA's 'claim' they can't process these sorts of requests if the request isn't signed. That's a lot of bull actually, but they do say that. Sign it with a squiggle - has always worked for me ;-)

Yep. Remember to send Recorded and don't sign it with normal signature. I always put I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY across the top of the letter, but that's personal choice.

A CCA request first and foremost

Shall we send in suggestions for the next copy? http://www.ib3.co.uk/news/2009/04/27/engage-your-employees Cabot World untitled.bmp

But each 'case' is treated on its own merit - Someone I know who was in less worse situation than you are got a £500 hardship grant from uni (last year).

Yep...Hardship funds is a great shout. They'll be someone at the Uni who will deal with this with you. Make an appointment with him/her asap. It's doubtful you'll get anything semester, but if yo uwish to continue your studies, they'll be able to help you.

I just recently had the exact same letter - ignored until they send me something better than an application form... 2yrs 6 months and counting ;-)

[quote=crampers;2204986]Hi everyone I am seeking some guidance as to how to deal with this one ,Vanquis collections telephoned today seeking payment firstly I was only asked to confirm my name as an identity verification can they do this ? quote] As and when they do it again, confirm your name as "Mickey Mouse" - hence you'll fail the identification verification and they can't continue with the call. It's at that point you tell them you're only ever go to deal with this by letter and if they continue to phone you'll report them. You can always send a telephone harassment letter in the future. Other than that, I can only concur with what's already been suggested - that being request a CCA and an SAR - if these prove everything's in place to collect what monies are owed, you can go about reclaiming unlawful charges etc.

Sav All you have to tell them is exactly what it needs to... The account is in dispute, you're awaiting details from original lender and once you have received this documentation you will deal with things then, and not until. Don't worry about anything that's been said on the phone re repayments and worry less about anyone calling at the house- it rarely (and I mean rarely) happens. Just make sure any letters you send (to DCA's especially) are sent recorded delivery- and don't sign them with your normal signature. Keep us posted.

Well Cabot were known as Kings Hill up until a couple of years ago and it's a WELL - KNOWN practice that Cabot uses the headed notepaper of all these companies to write letters, defaults etc. Just keep the evidence stacking up against them ;-)

Self same thing happened with me, although it was with Capital One and their solicitors....I got the CCJ set aside, my Credit Files wiped and got repaid back everything I'd paid toward the CCJ at the time ;-)

The SAR will show you everything you need to know....SAR the loan company. BOS are full OS in my opinion. Just ping them off a quick recorded delivery letter stating the account is in dispute (that's to say you're waiting for an SAR to be furnished) and you will not be making any payment until that is so. Tell them if they have a problem with that, then that's just tough - you're well within your rights to do this. You have to ask yourself why they are offering to reduce the debt by £2k - could it be that the whole thing is unenforcable? Hmmm... By the way, don't ever speak to DCA's on the phone - honestly. Do it all in writing. It's a well-known trick for DCA's to reduce the payment by 'x' amount, clear the debt and then a couple of years later some other DCA shows up chasing the rest of the money. DCA's are your worst enemy - NONE of them play by the book Get the SAR off asap!!

Well their personal rep cannot call, unless you give them permission to do so of course.

Well, none of this matters until they can produce a valid CCA ;-) In respect of Barclays buying goldfish etc - I had a similar thing with Barclays and Provident. I rang Barclays and eventually got put through to someone who gave me all the info I was asking for - I even got them to put it in writing to me...some great evidence for me if mine ever goes to court....The number I had was 01293 802626, but I don't know if that's still the one to use.

Well you have to get your priorities right - personally I'd tell them where to go re their charges for telephone calls etc. If it hasn't been paid since January, then defaulting the account in May seems reasonable. In respect of sending an SAR, again that sounds like the sensible thing to do. It'll tell you what's been paid and when, show you if the default has been issued correctly and also how many (unlawful) charges have been levied. I suggest you include a second letter with the SAR that states that despite you having the intention of restarting the payemnts etc, this will only be done once the SAR request has been satisfied, consequently you regard the account as being in dispute until then. In addition, you should let them know that you regard any charges as being unlawful and these will be disputed. Send the letter and SAR recorded delivery and you should hear back within a month to six weeks.