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    • If a DCA supplies a reconstituted copy of the CCA what would be the next step. It seems that a reconstituted copy must be a " true copy " of the executed agreement, it must contain the Prescribed Terms. But given that there is no copy of the applicants signature surely it could be an agreement form with the details filled in. How can it be assumed that this " copy " represents a true copy that the claimant has supposed to have signed. Cabot have demonstrated a bit of sabre rattling when they say "Until we're able to provide this information , your account is unenforceable. This means we're not permitted to obtain a County Court judgement against you . Whilst we cannot pursue legal action, your balance remains outstanding ". I looked up a case... Cabot UK Ltd  v  Bachellier (2010) which might help, but it's tough reading, I'd prefer to plough through War and Peace. This particular case with Cabot is not huge , approx' £140, but the only other worry that I have is also with Cabot...£2100. They may try to make a point with lesser case.        
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Coin dealer


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Hi all,

i bought a coin from a dealer for the sum of £550,

only to find out 3 weeks later that the same type of coin can be bought for around £10,

 

 

i brought this to the dealers attention along with lots of proof yet he has declined to refund me,

stating that it was properly described (as it was),

he has a 7 day cooling off period to return but that was out of time,

 

 

i have bought coins off him before and trusted that his price reflected the coins scarcity,

at no point did he try to sell me this coin

i picked it from his list of my own free will,

 

 

is there any thing i can do,

i brought this to his attention within 30 days if that is any use,

i also found out he is not a member of the British Numistic trade association to my horror,

 

i suppose the moral of the story is be very sure what you are buying,

 

we have come to an agreement where i return the coin and he takes off £190 which is the price he paid,

he is buying it back for £360,

but thats only because i said i would come to his house after numerous emails asking if he would take the coin back were ignored,

 

i am still not happy with this outcome and want my full refund,

this is a lot of money to me,

considering they have maybe around a £1,000,000 in stock and are a major dealer,

 

also the £550 came from some coins i sold to him,

he gave me £600 for which i was happy,

i bought 2 coins the one for £550 and one for £50

 

many thanks for reading this

 

craig

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how can he charge you for him being s.cammed of £190!!!

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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how can he charge you for him being s.cammed of £190!!!

 

that was my suggestion as i was getting no where,

ignoring my emails messages on facebook etc,

 

the last thing i wanted to do was call them because i'm not very good in these situations,

i get flustered and stuff shaking, raised voice etc,

 

his business partner was saying i'll like what he has to offer then he had nothing to offer,

same when i sold him my coins,

 

i wanted to swap for some thing that was £700 ,

he said they could do that or get very close only to offer me £50 (£550) more once he had the coins,

 

i had a bad feeling then,

but i still trusted him as a someone i had bought from before,

in the end we split the difference, £600 (i did think there would be some bargaining)

 

could kick myself,

The £190 thing is the only way i can see of cutting my losses,

the coins i sold him had a face value of £373 (Olympic 50p's the £2 coins and 50p's with pictures on)so its not as bad as it seems,

so insted of me getting £600 for them it looks like i'm only going to get £410, (£50 for the other coin)

 

what is it they say

 

Caveat emptor - let the buyer beware

 

and he will make a tidy profit of my coins and get to sell his coin again to another person,

better i found out now then in ten years or summit

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Personally, unless he misdescribed the coin by giving out false information, you completed the sale for an agreed price.

At that point the contract is sealed and I don't think you can claim that the coin is not fit for purpose.

The fact that you could have bought it cheaper from somewhere else is totally irrelevant.

Also the fact that he's not registered with the British Numistic trade association is totally irrelevant: Anyone can buy and sell coins, even if that horrifies you.

So in other words, I think he's being very kind in taking the coin back.

Anyone else would just tell you to get lost.

Of course if he advertised the coin as a rarity or one of a kind and this is untrue, all gets switched in your favour.

But you need proof of this: Have you got any?

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