Cabot and Belgard solicitors

soups05 · 23-11-2016 8:56pm

sadly not an option, maybe when i graduate and (hopefully) find a job, to years from now.

kieran. · 24-11-2016 11:13am

soups05 wrote: »

€20 euro per week is €1040 per year so appox 4 years to clear it. not sure about interest which is why i posted.

excuse my maths but how do you figure 18 years?

My bad picked it up as per month

SteoL · 28-11-2016 9:45am

I cancelled my Eircom account in August due to a price increase. When I queried my final bill I was told I had a credit balance of €24 (approx) and would receive a refund cheque by post. It took 3 months but cheque arrived 3 weeks ago. Happy days, or so I thought.

Friday last week arrived home to a letter from Cabot saying they are chasing a debt on behalf of Eircom. €36 approx. I am stunned. How can they issue a refund and then say I owe them? Amount doesn't make sense as I was on €92 p.m contract. Any suggestions? I've contacted Eir on boards and also contacted COMREG as am sure there could be data protection issues here. If they say no data protection breach what else can I do? I don't owe anything that is for certain.

ED E · 28-11-2016 9:53am

Did you post the modem back? I'm guessing not.

SteoL · 28-11-2016 9:54am

Yep, posted back and confirmed received.

Update: Eir have just replied to confirm no amount is due. Who should I lodge a case with I relation to passing on my details to a third party for no reason, COMREG or data protection commissioner?

yosser hughes · 28-11-2016 12:53pm

SteoL wrote: »

Yep, posted back and confirmed received.

Update: Eir have just replied to confirm no amount is due. Who should I lodge a case with I relation to passing on my details to a third party for no reason, COMREG or data protection commissioner?

Have a look at this. As far as I know Cabot are regulated now so therfore answerable to the Financial Services Ombudsman.

https://www.financialombudsman.ie/make-a-complaint/

SteoL · 28-11-2016 1:12pm

yosser hughes wrote: »

Have a look at this. As far as I know Cabot are regulated now so therfore answerable to the Financial Services Ombudsman.

https://www.financialombudsman.ie/make-a-complaint/

Thanks for that. Think my issue with Eir though, as opposed to Cabot. I called Cabot this morning after Eir confirmed no debt is owed and they said they'll investigate with Eir so if I receive any further correspondence relating to this I will be even more annoyed. My issue now is Eir providing my details to a third party for absolutely no reason.

piplip87 · 30-11-2016 7:16pm

Got a lovely letter from them this morning regarding a Three Bill.

Was on a JobBridge scheme and fell for the your been kept on spiel so I decided to get a phone on contract. After the JobBridge ended I signed of the dole and went to work, worked for a full month and no pay only to be told, the company couldn't afford to take me on. Now I am following up that debt since.

As a result getting back on the dole was a nightmare, It is due next week I hope but in the mean time the bill went into the red.
My outstanding balance with Three is 140 quid. I have informed the collections team of my predicament.

I received the letter this morning looking for the outstanding balance of 680. Which is fair enough as I broke the contract.

I am starting new job in January so will be able to clear the debt January but they where very ignorant on the phone and very demanding.

I am seriously thinking of ignoring them until January as when I contacted them and engaged them but they want payment inside two weeks or I will face legal action.

Would ignoring them for 8 weeks and then paying be advisable or can they really commence legal action within two weeks

L1011 · 30-11-2016 7:59pm

Irrelevant as this actually is to the situation, it was vastly irresponsible of a network to *give* a contract to someone on Jobbridge, assuming you told them the truth. Back in my day (and I'm not THAT old) I had to make a hefty enough deposit (hundreds of euro) due to only having a few months with a specific employer and another lower deposit (60 I think) to turn on roaming!

There is a tiny chance of legal action for 680 quid - additionally, two weeks is in to the Christmas period where everything slows down. Paying them in January is unlikely to have any consequences.

CD2017 · 18-02-2018 11:59am

Hi guys it’s been a long time since my last post but out of the blue I received a letter from Cabot today stating it’s a “final attempt” to resolve the matter. They also state they are willing to discuss the repayments being made on a reduced basis. They said they will ask a judge to register a judgement mortgage against my property (I don’t own a house and the debt is registered to my dads address) They have also threatened to send the sheriff to my address to reclaim the debt - Wow! They said it’s in my best interest to clear the debt!
A year ago I asked for “all information” they hold to be sent to me and they had nothing besides their own letters, nothing from the original lender etc... how can they proceed to court without the information? I’m sure they don’t have it as I sent the €6.35 and did the full request!

Really don’t need this right now, this letter was really threatening. Any advice would be welcome please and thanks x

vandriver · 18-02-2018 12:35pm

CD2017 wrote: »

Hi guys it’s been a long time since my last post but out of the blue I received a letter from Cabot today stating it’s a “final attempt” to resolve the matter. They also state they are willing to discuss the repayments being made on a reduced basis. They said they will ask a judge to register a judgement mortgage against my property (I don’t own a house and the debt is registered to my dads address) They have also threatened to send the sheriff to my address to reclaim the debt - Wow! They said it’s in my best interest to clear the debt!
A year ago I asked for “all information” they hold to be sent to me and they had nothing besides their own letters, nothing from the original lender etc... how can they proceed to court without the information? I’m sure they don’t have it as I sent the €6.35 and did the full request!

Really don’t need this right now, this letter was really threatening. Any advice would be welcome please and thanks x

It's a template letter.Nothing personal.Its a last gasp attempt to scare you into paying.They can't 'send the sheriff' without a judgement.
It's a process called dunning.

CD2017 · 18-02-2018 12:38pm

vandriver wrote: »

It's a template letter.Nothing personal.Its a last gasp attempt to scare you into paying.They can't 'send the sheriff' without a judgement.
It's a process called dunning.

Thank you for your reply, anxiety at an all time high so your response is really appreciated. I think I’ll ignore this one x

JCDUB · 18-02-2018 3:09pm

Ignore the letter CD. They are simply trying to strongarm and frighten you into paying with this last gasp attempt which has no legal foundation.

You contacted them looking for information and they couldn't reply because they have none.

Please try to forget it and look after your mental health. That's the priority here. Be kind to yourself and try not to worry.

CD2017 · 18-02-2018 3:29pm

JCDUB wrote: »

Ignore the letter CD. They are simply trying to strongarm and frighten you into paying with this last gasp attempt which has no legal foundation.

You contacted them looking for information and they couldn't reply because they have none.

Please try to forget it and look after your mental health. That's the priority here. Be kind to yourself and try not to worry.

Thank you you’re very kind. They are an awful bunch to have any dealings with, I feel very sorry for anyone who may not have any support or isn’t aware of forums like these. This would really effect me if I hadn’t had logical people to speak to

al30 · 20-02-2018 9:39pm

CD2017 wrote: »

Thank you you’re very kind. They are an awful bunch to have any dealings with, I feel very sorry for anyone who may not have any support or isn’t aware of forums like these. This would really effect me if I hadn’t had logical people to speak to

Very glad to see this thread as husband received letter from them today for a tesco credit card debt which they say is 490. We dont know how much the debt is as it was six years ago. Husband rang them and said we have heard nothing from tesco for nearly six years. They said they would look into it and get back to us. Enclosed in the letter was a letter from tesco telling him they were moving the debt to cabot

Fred Swanson · 20-02-2018 9:47pm

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my3cents · 20-02-2018 10:02pm

Fred Swanson wrote: »

This post has been deleted.

Does it not require an acknowledgement in writing or a payment towards the debt to start if off again?

Hitman3000 · 20-02-2018 10:14pm

CD2017 wrote:

Thank you youâ€™re very kind. They are an awful bunch to have any dealings with, I feel very sorry for anyone who may not have any support or isnâ€™t aware of forums like these. This would really effect me if I hadnâ€™t had logical people to speak to

Again send them a letter requesting all information you previously asked for. Again under no circumstances acknowledge a debt. It's scare tactics don't fall for them.

Fred Swanson · 20-02-2018 10:17pm

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piplip87 · 21-02-2018 1:24am

They can pursue a debt after 6 years, It cannot go legal though I would ignore it, block their numbers on your phone and send letters back as return to sender.

Its a last ditch attempt to get you to pay up, don't even open the letters. All the scare tactics in case is just to get you to pay up.

If you want to pay it off though offer them 50% to get them off your back

Fred Swanson · 21-02-2018 1:27am

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piplip87 · 21-02-2018 1:31am

Fred Swanson wrote: »

There is nothing to stop them going legal after 6 years. There would be a statutory defence under the Limitation Act available. That is if the defendant is aware of it.

Yes any reasonable person would take any serious threat of legal action to a solicitor, they solicitor would inform them of the statue of limitations. The debt companies won't take the risk of going legal for 500 odd quid unless they are 100% confident of winning, and the debtor has ability to pay judgement plus costs

yosser hughes · 21-02-2018 8:33am

al30 wrote: »

Very glad to see this thread as husband received letter from them today for a tesco credit card debt which they say is 490. We dont know how much the debt is as it was six years ago. Husband rang them and said we have heard nothing from tesco for nearly six years. They said they would look into it and get back to us. Enclosed in the letter was a letter from tesco telling him they were moving the debt to cabot

Does your husband actually owe the debt? Or is this an error?

al30 · 21-02-2018 11:16am

Yes he does. Back about 6 years ago he spoke to them about it and they said they would get back to him and not heard anything until now. he has cancer now and is not able to work and not entitled to anything because I work so I guess I will be the one paying it off.

al30 · 21-02-2018 11:18am

Fred Swanson wrote: »

This post has been deleted.

No Fred he didn't acknowledge it. Told them he has had no dealings with Tesco in six years so will wait until they come back to us.

yosser hughes · 21-02-2018 11:34am

al30 wrote: »

Yes he does. Back about 6 years ago he spoke to them about it and they said they would get back to him and not heard anything until now. he has cancer now and is not able to work and not entitled to anything because I work so I guess I will be the one paying it off.

I'd pay it then,if you have it and save yourself the inevitable stress that comes with dealing with these people.
Life must be difficult enough for you right now.

Hitman3000 · 21-02-2018 11:35am

yosser hughes wrote:

I'd pay it then,if you have it and save yourself the inevitable stress that comes with dealing with these people. Life must be difficult enough for you right now.

Why pay it when the law states otherwise. Block their number and bin any correspondence. No stress at all.

yosser hughes · 21-02-2018 11:36am

Hitman3000 wrote: »

Why pay it when the law states otherwise. Block their number and bin any correspondence. No stress at all.

Because they do owe the money.

Hitman3000 · 21-02-2018 11:37am

yosser hughes wrote:

Because they do owe the money.

Over 6 years they don't. Read up on the relevant law it has already been referenced several times on this thread. Btw they don't, the original debt was her incapacitated husband not hers.

yosser hughes · 21-02-2018 12:58pm

Hitman3000 wrote: »

Over 6 years they don't. Read up on the relevant law it has already been referenced several times on this thread. Btw they don't, the original debt was her incapacitated husband not hers.

I am aware of the law and the terms if it being statute barred.
However this does not negate the fact that the money was borrowed and will not prevent Cabot from pursuing and pestering.
I sm simply being pragmatic. Letters can be ignored of course but it won't reduce the stress

Hitman3000 · 21-02-2018 1:20pm

yosser hughes wrote:

I am aware of the law and the terms if it being statute barred. However this does not negate the fact that the money was borrowed and will not prevent Cabot from pursuing and pestering. I sm simply being pragmatic. Letters can be ignored of course but it won't reduce the stress

Actually if she ignores Cabot they will eventually stop. Bin the letters and block the phone number. The likes of Cabot can only pester once the 6 years has passed. Pursue, how?

RTighe · 21-02-2018 1:35pm

al30 wrote: »

Yes he does. Back about 6 years ago he spoke to them about it and they said they would get back to him and not heard anything until now. he has cancer now and is not able to work and not entitled to anything because I work so I guess I will be the one paying it off.

i've dealt with cabot in the past chasing fraudulent claims (claiming I owed monies that were already paid), Even when proven that i did not owe the debt they became aggressive and abusive.

The calls stopped when i told them that all calls were recorded and unless they answered my security questions i would not deal with them over the phone as they cannot prove who there were

The above is a favourite tactic of theirs that i used against them

and as mentioned they are just glorified bullies and liars. your debt is with Tesco not Cabot. I would suggest that you get in touch with Tesco direct and see if something can be arranged.

I hope you get the situation resolved and with as little stress as possible

Rob

GoneHome · 21-02-2018 2:00pm

[QUOTE=RTighe;106212555 I would suggest that you get in touch with Tesco direct and see if something can be arrange[/QUOTE]

But by doing this would you be reactivating the six years statute of limitation?

Hitman3000 · 21-02-2018 2:03pm

RTighe wrote:

and as mentioned they are just glorified bullies and liars. your debt is with Tesco not Cabot. I would suggest that you get in touch with Tesco direct and see if something can be arranged.

Tesco has sold on the debt to Cabot, they will just them to Cabot. Best they just ignore all correspondence both written and verbal with this outfit.

GoneHome · 21-02-2018 2:06pm

Have Cabot successfully brought any cases like this to court e.g. unpaid credit card or utility bill, is there anywhere to find details of these court cases/outcomes?

L1011 · 21-02-2018 2:20pm

Hitman3000 wrote: »

Tesco has sold on the debt to Cabot, they will just them to Cabot. Best they just ignore all correspondence both written and verbal with this outfit.

Unlikely to have actually sold and assigned the debt.

GoneHome wrote: »

Have Cabot successfully brought any cases like this to court e.g. unpaid credit card or utility bill, is there anywhere to find details of these court cases/outcomes?

They do, albeit usually only for four figure amounts as there is a cost inherent. Cases at that level are not published unless a local newspaper bothers - and all they care about are criminal ones really.

al30 · 21-02-2018 2:23pm

yosser hughes wrote: »

I'd pay it then,if you have it and save yourself the inevitable stress that comes with dealing with these people.
Life must be difficult enough for you right now.

Yeah probably will pay it but might wait to see what they come back with first. Might be cheeky and offer a reduced amount

my3cents · 21-02-2018 2:32pm

al30 wrote: »

Yeah probably will pay it but might wait to see what they come back with first. Might be cheeky and offer a reduced amount

Don't offer them anything even a reduced amount.

The more you engage with them the more they think they have a chance of getting money out of you.

The debt cannot at present be chased through the courts and the debt collectors know that. Now that you have contacted them they will ramp up the dunning for a bit to try and push you towards paying. You don't have to call them or correspond with them in any way just tear the letters up without opening them.

GoneHome · 21-02-2018 2:47pm

al30 wrote: »

Yeah probably will pay it but might wait to see what they come back with first. Might be cheeky and offer a reduced amount

The advise seems to be if you feel you must pay something to get rid of the debt then offer them (Cabot) 10% and they'll come back saying they'll accept 20/25%. By no means offer to pay the full 100%, remember they have probably bought this debt from the credit card company for 10%!

my3cents · 21-02-2018 2:51pm

GoneHome wrote: »

The advise seems to be if you feel you must pay something to get rid of the debt then offer them (Cabot) 10% and they'll come back saying they'll accept 20/25%. By no means offer to pay the full 100%, remember they have probably bought this debt from the credit card company for 10%!

But the problem is that if you offer anything then you are opening yourself up to being chased for the whole amount.

I would be interested to know if a court would even allow the case to be filed if the debt was over 6 years old?

Fred Swanson · 21-02-2018 3:01pm

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GoneHome · 21-02-2018 3:21pm

Fred Swanson wrote: »

This post has been deleted.

It would seem pointless though, and costly from the Debt Collection Agency's point of view when the case would be certain to be thrown out of court due to the expiry of the six years, unless of course the debtor didn't file a defence or indeed if they weren't aware of the statute of limitations.

Fred Swanson · 21-02-2018 3:24pm

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CD2017 · 26-02-2018 2:56pm

al30 wrote: »

Very glad to see this thread as husband received letter from them today for a tesco credit card debt which they say is 490. We dont know how much the debt is as it was six years ago. Husband rang them and said we have heard nothing from tesco for nearly six years. They said they would look into it and get back to us. Enclosed in the letter was a letter from tesco telling him they were moving the debt to cabot

Ignore them! Unless your husband agreed over the phone that the debt was his??

Subcomandante Marcos · 10-03-2018 4:53am

Fred Swanson wrote: »

This post has been deleted.

In this case it wouldn't be a bank. The debt was sold to a debt collection firm years ago, as mentioned by the OP.

If the OP borrowed 5k, the debt agency pays +/- 500 for the stressed asset from a bank who were willing to cut their losses.

The agency is speculating that they can recover more than the bank, and will use various forms of quasi-threatening language to attempt to get the OP to pay them the debt they were never originally owed and bought as a cheap attempt to make near 1000% profit (5k+ interest).

The agency has a right to ask for the debt, but they have no right to be given it if the OP hasn't acknowledged it in over 6 years.

OP, ask that they are calling you about, ask them to send you any documentation they have that shows the alleged debt as well as a headed letter from their offices explaining why they are contacting you and that their claim is.

Take all this and go to either a MABS service or similar and be done with it.

cossie2 · 26-03-2018 2:07pm

Ive had my problems the past few years..getting through things bit by bit... i owe 1k to a company who passed it on to a debt collector. A solicitor on behalf of the debt collector has sent me a letter stating they will initiate legal action against me if i dont pay up. Can they do that?? It was belgard solicitors on behalf of cabot financial. Any feedback greatly appreciated. Wasnt sure what area to post in.

Ubbquittious · 26-03-2018 2:17pm

You can play them out a bit longer if you wish, worst case they drag you to court but they usually send a good few scary letters first

Do you imagine you can find a legit reason to not pay the 1k?

Mountjoy Mugger · 26-03-2018 2:32pm

Ubbquittious wrote: »

You can play them out a bit longer if you wish, worst case they drag you to court but they usually send a good few scary letters first

Do you imagine you can find a legit reason to not pay the 1k?

OP says s/he owes it.

Avoiding one's responsibilities is not the way to go..

EDIT: OP - you could contact solicitors and state you want to come to settlement/payment plan

Hitman3000 · 26-03-2018 2:41pm

cossie2 wrote:

Ive had my problems the past few years..getting through things bit by bit... i owe 1k to a company who passed it on to a debt collector. A solicitor on behalf of the debt collector has sent me a letter stating they will initiate legal action against me if i dont pay up. Can they do that?? It was belgard solicitors on behalf of cabot financial. Any feedback greatly appreciated. Wasnt sure what area to post in.

Scare tactics is this company's modus operandi. Ring them and let them know the max your are able to pay each month. Be realistic. When was the last payment you made on the debt? If it is greater than 5 years the debt is statue barred and I would ignore the letters.

Hitman3000 · 26-03-2018 2:43pm

Btw Cabot and Belgard is the same company just different headed paper.

Cabot and Belgard solicitors

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