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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Moorcroft and RBS credit card debt


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you could poss do that anyway

lets see

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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  • 2 months later...

I received the SAR documents on the 26th July.

 

There's loads of statements, some correspondence from 2006/7 when I said I couldn't pay the debt and a letter saying they're gathering information from the DCA. The statements show some payments I made in 2008 and 2012-2016.

 

They said they've passed the case on to another DCA, who I'm ignoring.

 

I haven't received any further information that they said they'd get from the original DCA. It was Experto Credite who went bust last year.

 

Do I just sit and wait? What happens now?

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  • 2 weeks later...

I received the SARicon documents on the 26th July.

 

There's loads of statements, some correspondence from 2006/7 when I said I couldn't pay the debt and a letter saying they're gathering information from the DCAicon. The statements show some payments I made in 2008 and 2012-2016.

 

They said they've passed the case on to another DCA, who I'm ignoring.

 

I haven't received any further information that they said they'd get from the original DCA. It was Experto Credite who went bust last year.

 

Do I just sit and wait? What happens now?

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looks like it ...

 

 

so

SARlink3.gif will be your next route to see if you have any PPIlink3.gif or penalties to use as bait to short settle?

 

 

is there?

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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Share on other sites

No PPI or penalties.

 

They continued to charge me interest for 3 months in 2006/7 when I told them I couldn't pay and offered £10 per month.

After 3 months they accepted the £10 but didn't refund the interest.

 

At some point they got Experto Credite to collect the payments but there is no mention of them in the letters.

 

What's interesting is that I received a letter from RBS in July 2007 and then nothing till May 2016 when they said they passed the debt to Westcot.

I ignored them and now they've passed it to someone else.

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well RBS still own it

so any DCA can be ignored totally.

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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Share on other sites

thats what they do, to try line their friends dca pockets as well.

once its done the rounds with collection on behalf only dca's (that wont/dont buy), it will prob be sold on to one that does.

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Lowells...Cabot.....Arrow...Link...1st Credit are the major Assignee's.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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  • 3 weeks later...

same as moorcroft and wetcloths

apex are a DCA that only chase debts for clients not a debt buyer

so RBS still own it

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... 

Link to post
Share on other sites

Apex Credit Management is part of Cabot...and they do or did buy debts before the merger

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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  • 3 years later...

open

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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Share on other sites

Cabot got hold of this a while ago and I've received various letters from them which I've obviously ignored. They've now said they're sending Resolvecall to come and visit me.

 

I've recently moved address so do I need to inform Cabot about this?

 

Also, if I have to inform them, should I send them a CCA at the same time?

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4 minutes ago, MrGreen said:

I've recently moved address so do I need to inform Cabot about this?

 

and anyone else with a supposed debt 

save the CCA .

 

 

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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Share on other sites

be a bit careful relying upon redirection.

 

many court documents have or are generally interpreted by royal mail as 'do not re-direct' 

 

pers i would not take the chance of a backdoor CCJ etc , as we've seen these in the past with mail redirect not happening on 'from a court labelled mail '. 

 

for the sake of a few 2nd class stamps it's worthy to always write to anyone that might hold a debt that you last used the credit or paid anything within say 7 yrs.

don't forget to update V5C's and your driving Licenses too!

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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Share on other sites

Cabot Financial (Europe) Limited is registered in England and Wales with Company No. 3439445. Registered Office: 1 Kings Hill Avenue, Kings Hill, West Malling, Kent ME194UA.

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... 

Link to post
Share on other sites

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