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Hi could any who may have had a Providian Credit card in the past quite a few yeras ago . I lost the original credit agreement., does anyone know who owns this comapny or taken it over I cannot find it on the web .

All I know that I have been paying installements with Cabot I dont want to deal with them as I want to claim back if possible the PPI ?

:roll:

Many thanks x

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monument/barclays now i think.

 

whats these payments you are making to crapbot?

 

does this debt show om your cra file?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hi the payments are a debt I owe, so Cabot have taken it up a small amountsthat been going for quite some time i'm not sure if it shows up on my CRA file have not investigated that one yet as it beyound 6 years......:oops:

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what?

you are paying a debt from more than 6yrs ago to a dca

 

no!!!!!!!!!!!!!

 

tell us the full history please

 

dates etc etc

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Ok, this is an old debt so I emailed Cabot to ask if they could give me a copy of a SCA and they emailed back say they contacted Providian and they say that the debt is so old they cannot provide one ,mmm so out of curiosity asked Cabot for contact details of Providian see if they can provide it maybe waiting a long time lol

I may go though the process of getting the debt written off, becuse of no CA any feedback would be grateful x

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stop paying now its sb'ed

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no paperwork

i should think not

 

you were obv cash cowed years ago.

 

prob didn't owe a penny

 

you got spoofed

 

stop payment now

 

they've had their pound of unlawful flesh

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Please could somebody advise on this as I am trying to find out if I took ppi on this as I have no paperwork

and I cannot remember .

 

I was a naive person at the time of this debt issue and alot has change now but attached is an email reply from Cabot .....

 

PS they gave me a contact for Barclaycard and they say this did not acknowledge Providian as one of their companies......

Dear *** **********

We thank you for your email received 26 March 2012.

As advised in our previous email, Providian cannot provide a copy of the original credit agreement on the account opposite because of its age,

however, Cabot does not rely on the original lender to provide information in order to assist in your enquiry.

You shall note that you have previously made payments to Cabot towards the outstanding balance on this account and agreed to plans being set up on the account.

These payments constitute a clear acknowledgement of your responsibility to repay the debt.

As such, it is clear that you acknowledge responsibility for this account.

We have attached a transaction list for your information showing payments and interest charged to the account since Cabot Financial purchased it.

 

We trust this clarifies the matter and request that you contact us within 30 days from the date of this letter if you have any further queries.

 

Yours sincerely

Cabot Financial

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what a load of rubbish!

 

can you please

CHECK YOUR CRA FILE

 

and

 

dont reply to crapbot either for now.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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but it might have ALREADY been statute barred as its so old

 

paying nor even a JUDGE can UNBAR a debt

 

once barred always barred!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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get that CRA file

 

noodle is free

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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You are of course indeed correct once barred always barred, which would be the same for any ppi for myfairlady. I would be pretty sure cabot will have no paperwork for this so why not take a punt and tell them to get stuffed its barred then its up to them to show otherwise.

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there on NO timelimit on PPI reclaims

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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sec 32 C 'mistake' or unknown

 

ticks from when punter became aware they were unlawful etc etc

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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or read the links in my sig????

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yes ok but the way you put it implied that ppi claims were somehow exempt from the act which it isn't. There are no time limits on any claim in the circumstances you are saying not just ppi. Do you know of any case in which this has successfully been used in relation to ppi?

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yes all of them.

 

please do some reading

 

there has neve been a PPI case refused under the limitations act wriggling.

 

in all sense and purpose, the limitations act just is not relevent to PPI

those that try it come unstuck very quickly!

 

dont believe all you see on the TV adverts....

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for the feed back I am aware the no limitations on ppi as some can claim on mortgage ppi this is as example,

its just at the time I was i finachial l diificulty I just went with the paymet plan with Cabot and not knowing the debt regulations I paid them.

 

I thought staue barred was if you did not pay any thnig for six years and no contact the debt company they cannot pursue you ?

 

This is all gettig very complex:???:

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yes it is , but what i suspect is there has already been a period of 6yrs BEFORE crabot got involved.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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