Jump to content


  • Tweets

  • Posts

    • you never use or give an email  2nd class stamp with free proof of posting from any po counter dx
    • Much appreciated for the ammendment. The snottier the better right!   What I am assuming is that this response is to be posted to Gladstones? However, I am seeing some users sending this as an email instead, which is a little confusing.  If we're happy with this response, what would you suggest is the best way to send it over to them (post/email), and is there anything additional I could include (if necessary)?  Thanks again! 
    • Hi I've read through other threads to better inform me of the process from here onwards. When I put in the MoneyClaim it gave me a claim number and it currently says to wait for the defendant to respond, they have until 7 August.   It seems their most likely action is to extend that a further 14 days to about 21 August - this hasn't happened yet, of course, as it is only 27 July but I'm anticipating that may be the case. when the expected defence action is taken by EVRi I will need to submit DQ with these responses A1 - no mediation B - my contact details C1 - yes to the small claims track D1 - No.  If No please state why.  I believe the defence will provide some rebuttal to the particulars of claim and so I need to include details as to why the claim requires a hearing.  Is there some certain templated text I can include here or will it vary depending on what the defendant comes back with? I see on the form it mentions the following: Relevant reasons include that there are factual disputes which will need the judge to hear from witnesses directly or the issues are so complex they need to be argued orally.  Hoping to reach out to see what may be the most effective statements for D1 reasoning. E1-5 are pretty straightforward. I want to get ahead of things and be ready to take the next step so I appreciate what advice you may have about the DQ.   Thanks!  
    • Rachel Reeves is set to reveal a public finances shortfall of billions on pounds after a snap audit.View the full article
    • Hi What they have asked in what you have highlighted isn't unusual at all as Councils have numerous different departments that deal with specific different areas within that council. So if what you are asking in your DSAR is say specific to Housing Benefit, Council Tax Benefit, Planning Permission etc then just let them know that specific area. On the other hand if you want every bit of DATA they hold on you then simply tell then ALL DATA they hold on you it's them up to then to go through all depts to check for it. 
  • Our picks

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

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

Cabot/Ruthbridge Ltd query?? plse help


pangster
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5371 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Jason Evans strikes again. And yet again, in relation to a debt that is getting close to being time barred, if it isn't already.

 

The extra amount will be interest etc. QUite how they arrive at this insane figure is anyone's guess, but forget that for the moment.

 

Now, do you live in Scotland, by any chance? If so, Tough Sh1t, Jason. It's now statute barred. If you live in England, well the limit is 6 years, and I guess Ruthbridge have been called in to try to collect before the limit there kicks in.

 

It's highly unlikely an agent will call. But JUST IN CASE, you have the right to tell him to Feck Off. In more polite terms, right enough. But if he won't go away (and you should be yelling at him through the letter box) tell him you wish him to depart, he has 10 seconds, otherwise you will call the police.

 

Ruthbridge have been called in because of their use of nasty, illegal, bullying, cowardly tactics to try to get a payment that Cabot would otherwise struggle to collect. Just remember that fact, and don't worry.

 

Any more info you can give us?

  • Haha 1
Link to post
Share on other sites

You COULD just ignore it, but I think the next thing that wil happen is, they'l keep phoning you until you are about demented.

 

As you will not need to worry about an entry in your credit record (It would take longer to sort out than there is left to run in any case), I suggest this...

 

Write to say..

 

Thank you for your letter, ref blah, blah. Unfortunately, I do not recollect the matter to which you refer, and I must insist that you prove to my complete satisfaction that you are entitled to take any action in regard to this matter.

For the avoidance of doubt, I do NOT acknowledge any debt. Unless you supply me with proof as intimated above, I shall not even contemplate replying to any further communication. Please note that you will NOT telephone me or visit me at my home or any other place. Any communication that you might contemplate will be in WRITING only.

Failure on your part to comply with this request will result in a robust reaction on my part. Please note that this may include litigation of my own against both Ruthbridge and Cabot.

 

Something along those lines anyway. Don't feel guilty about this. If the original creditor had been bothered enough about it, they've had nearly 6 years to get their act together. It's not your fault they dumped it off on Cabot after all this time.

Link to post
Share on other sites

Being a pedant, I couldn't help but chuckle at the grammar:

 

...our legal agent may call at the above address, with a view to either, serving papers, or, to arrange repayment, within the hours of...

 

Have Ruthbridge got a surplus of commas which need using up?

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

Link to post
Share on other sites

I sent a CCA request letter to Ruthbridge (and I recieved one of those 'express delivery' letters - which I am sending to the OFT, TS etc) they wrote back saying they want to discuss the issues I raised in the letter but they would need to speak to me on the telephone....never heard anything else !!!

Link to post
Share on other sites

  • 3 weeks later...

dear me.

 

simply send a CCA request to Crapbot, should shut them up.

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

Link to post
Share on other sites

I wouldn't worry at all. As it's over 5 years in Scotland, you're bulletproof. If they try to raise an action in England, get it moved to your local court.

 

Let's see the feckers try it on in a Scottish court. Dozy gits. Get these idiots reported to trading standards, OFT and the CSA. Don't forget to include copies of their letters which clearly break collection guidelines, and are designed to frighten and intimidate you into paying up.

 

These people really need to have their licence taken away from them. I know cockroaches with more scruples. I don't know why Cabot are still using them, because THEY are reponsible for the actions of their agents. So Cabot are just as culpible

Link to post
Share on other sites

That last letter from Ruthbridge is right up against the OFT's rules on debt collection....

 

Section 24 (b) falsely implying or stating that action can or will be taken when it legally

cannot, for example, referring to bankruptcy or sequestration proceedings

when the balance is too low to qualify for such proceedings or claiming a

right of entry when no court order to this effect has been granted

 

YOU MUST REPORT THEM TO THE OFT !!!!!

Link to post
Share on other sites

The limit (as such) is £750 and it costs about £650 in court costs - if you can afford the court costs they seem to reason you should pay the debt.

 

The debt is statute barred as you are in Scotland and the courts would be mad to process this, they might try Northampton Bulk Court but that is relatively easy to stop and challenge.

 

Watching this with interest.....

Link to post
Share on other sites

  • 1 year later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...