THIS IS NOT A LOVE SONG

It's a true story of Harassment for an unsubstantiated statute barred Consumer Credit Account. 

In November 2006 I started to received telephone calls from Cabot Financial (Europe) Ltd. One letter for a Clydesdale account which I promptly CCA’d, Data Protection Act’d and instructed them to stop the calls under the Wireless Telegraphy Act (1949) and the Protection from Harassment Act 1997. The were advised calls would be logged and recorded. They were then advised the alleged account was subject to the Prescription and Limitations (Scotland) Act 1973 s.6.

In late November Cabot Financial (Europe) Ltd were requested to provide a “true signed copy” of the letter of authority to process my personal data. Failed to respond within 12 days allowed. 

The calls continued, they fell into breach of the CCA. Were instructed to remove my telephone number from their data base, warned again their actions were considered harassment. Warned about refusing to remove my telephone number and warned this was a breach of the Data Protection Act. 

By January they had made over 45 calls, constructive harassment, failed to comply with the Data Protection Act and were asked for a nominal amount for compensation and warned again their continued breach of the Data Protection Act was the responsibility of the Directors and Data Controllers of Cabot Financial (Europe) Ltd. 

Recently my letters of complaint and their attempts to defend their actions flushed out a second Barclaycard account. They had failed to disclose this in the previous S.A.R - (Subject Access Request). This S.A.R - (Subject Access Request) revealed they had made over 300 calls in a 2 year period. Mostly in a 6 month period. Both accounts were in dispute and Statute Barred when Cabot purchased them. The accounts were not correctly assigned at the time of transfer and in further breach of the CCA. The list of both civil and criminal actions by Cabot Financial (Europe) Ltd was becoming large. 

Only the other day they sent a letter of appology and a one-off gesture of "Goodwill" would no longer pursue the outstanding accounts. They forgot to include my cheque! OOPs! 

Then the calls started again. They were fairly warned on several occassions and chose to ignore the warnings. 

Just to summarise: No documents, uncorrectly assigned, disputed accounts, statute barred and Cabot started a campaign of constructive harassment. They didn't even stopped to check if they have the right debtor. There’s a few discrepancies in the information they sent This website will reveal the practices of Cabot Financial (Uk) and their sister company Cabot Financial (Europe) A true tale published in full with access to all correspondence between myself the unlawfully harassed and the companies of Cabot.