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    • If you are buying a used car – you need to read this survival guide.
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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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    • 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.

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      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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Cabot chasing SBd black horse loan debt***Account Closed***


Billy Bremner
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Hi all.

 

Really appreciate an opinion on next step, if indeed I should even bother.

 

I had a debt with Black Horse which I disputed with them in 2008 approx.

I received many letters from various agencies over the next few years, Clarity, DLC, and Lucas, up until 2013. I didn't ring or write to them and certainly never gave them a penny.

 

This became Statute Barred in around 2014.

It hasn't been on my Credit Report since about 2014.

 

Out of the blue today I received a letter from Cabot saying they now have my account and list some methods of payment etc'!

 

Love to hear your thoughts.

 

Cheers,

Billy.

Edited by dx100uk
Spacing..move
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Ignore or at the very least send our Statute Barred letter..although you may get into letter tennis.

 

 

Andy

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

 

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Have you moved since taking this out?

And did you inform the OC or the debt owners of the move?

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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Thanks Andy. Wondered if it was worth just ignoring them.

 

No dx100uk I haven't moved. Been at this address 12 or so years and it's the address they were writing to me previously.

 

Also dx100uk I should point out I have financed another vehicle with Black Horse since then and have paid it off.

 

Cheers

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Let it run then

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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By that I guess you mean ignore them?

 

Cheers

 

 

Yes, see if theyr'e dumb enough to go for a claim.

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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wasn't a secured loan was it?

probably car finance?

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

Send them our sb letter in the debt collection section of our library

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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No post it

Get free proof of posting from any po counter

2ndclass will do

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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I assume it's ok by email? Then I have a record of it being sent.

 

 

Never EVER communicate anything via email, keep EVERYTHING in writing, and ALWAYS obtain 'proof of posting' (which is free at any PO counter) that is the ONLY way to prove it has been sent.

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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Never EVER communicate anything via email, keep EVERYTHING in writing, and ALWAYS obtain 'proof of posting' (which is free at any PO counter) that is the ONLY way to prove it has been sent.

 

Thanks mate. I will post it.

 

Cheers,

Billy

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don't waste money

all you need is proof you SENT it

use 2nd class post and free Proof of posting from the PO counter

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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don't waste money

all you need is proof you SENT it

use 2nd class post and free Proof of posting from the PO counter

 

I will. Thanks so much for your help.

 

P.S Just noticed that on my letter with a Cabot letterhead the letter starts with "Welcome to Cabot" but goes on to say this " In order to continue providing you with the best possible service we have returned your account to Cabot to deal with you directly"!!!

 

That sounds an awful lot like one person working for Cabot and dlc and he forgot which company the letter was from midway through writing it.

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Yes, unfortunately they're not very bright :)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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nope they should now cease all comms

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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haha you do know how DCA's work don't you...

admit its sB'd...:lol:

very rarely

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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