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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.  

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Westcot reply to CCA request re Mint Card debt


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I send CCA to all my debtors,

I have reply from Westcot advising that they are not the creditor but collecting on behalf of Cabot and that i need to either resend to them with postal order made payable to Cabot for forwarding or send direct to Cabot.

 

2 questions

 

1. shall I send direct to Cabot or go via Westcot

 

2. I read on other persons post a reply that said Cabot do NOT collect enforceable debt,

 

I would really appreciate confirmation of this,

as Cabot are collecting the largest debt i have, Barclays Loan, still awaiting a response to CCA for this one, although Cabot already replied to another debt advising they will no longer pursue chasing payment.

thanks

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not sure who advised sending a CCA to wetcloths

they don't buy debts but simply chase for their client, who the CCA request should be sent.

 

so which of your debts is this thread related 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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Keep that silly response safe, and ignore anything further, they've fell at the first hurdle, just shows you how immature this outfit is.

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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I sent CCA to all debtors who my (now ex) DMP were paying, as you say Wetcloths (love that, lol) have fell over and passing me back to Cabot - so will send Cabot a CCA, Cabot have already conceded on one of my debts, hoping they do for the this and the other one i have with them.

 

as previously reported my DMP is now cancelled and no further payment to any creditor until i get response to CCA request.

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what this debt all about OC + TYPE

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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cabot had already bought it

wetcloths were merely chasing

you should of had a notice of assignment

unless that went to an old address before you updated everyone about your newer AD

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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dx

 

 

that is entirely possible, or maybe they did notify me and I just sent it onto my DMP, once my DMP was up and running, I pretty much took little notice as although I know understand that was probably not the correct action, it did relieve a lot of pressure from me, all this arose from a messy divorce

 

 

I will send CCA to Cabot today

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  • 3 weeks later...
CCA reply from Cabot - they do not hold records on file but have requested them, acknowledge 12 day limit but need 40 blah blah blah - am sure this is 2005/6 so hoping they don't get em.

 

Excellent, ignore them until or ''IF'' they do indeed find and send you an enforceable CCA.

 

They always add the 40 days in, but it means nothing, so don't even know why they waste the ink printing it!?!

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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12 = 2 then they are in default of request, 40 days refers to complaint procedure and they know it.

 

40 days is for a DSAR...not a Section 77/78....12 days end of.

 

Andy

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  • 3 months later...

Am sure this is just Cabot willy waving - but posting just in case I need to do anything.

 

Cabot have sent me a letter advising that this debt was being managed by an agent of theirs (Westcot) and Cabot have decided to have it returned to them so they can work with me directly on a payment plan.

 

I still have no reply to my original CCA request to Cabot.

 

shall I just file letter and ignore or do I need to advise Cabot they have not complied to my CCA ??

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usual rubbish

 

no CCA end of the matter ignore!

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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