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Cabot Financial - Failed Arrangement


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Hi all ,

 

My wife has an old (2004 ish) Barclaycard debt (£1400) that was bought by Cabot 6 months ago , we have only been paying a token £1 a month on this debt for aslong as I can remember .

The wife missed Mays payment , completely slipped her mind blaming the fact that she's 14 weeks pregnant .

I know that there are numerous late payment fees and charges + PPI associated with this debt but could anyone confirm that she can still , given that 6 yrs has passed , claim anything back from Barclays ?

 

And what would the first steps letter wise be to get the ball rolling with Cabot ?

 

Many thanks GD

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Yes she can claim all of the charges including PPI back, if the PPI has failed to kick in then it needs to be reclaimed.

 

Has there ever been a period of six years (5 in Scotland) where there has been no payment toward this?

Does this appear on her credit file?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Who is applying the charges, B/shark or Cabot ?

 

You will need all of your statements in order to enter the charges onto a spreadsheet you will find all the information you require in the thread below.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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thanks for the replies ,

 

there has been regular payments on the debt and Cabot have not added any charges on the debt since they bought it from BC , so I'll write to Cabot and request a SAR with a £1 postal order and see how I get on

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Subject Access Request requires a fee of £10.00 - For this you get to see ALL the data they hold on you.

 

CCA = £1.00 - for this you get to see a statement of account, terms and conditions and copy of the agreement.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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