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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.  

      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
      • 161 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
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Im in the club. (Argos / Cabot)

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Im now a fully fledged member of the Cabot club and have already started to recieve my 2 a week newsletters from cabot informing me of there claim.



The letters I have are recieved are the start ones so Im not going to scan yet.

letter 1 and 2 were both welcome to cabot blah blah, ways to not pay and so on.


The intresting part is this.

The debt was with Fredrickson whom I CCA'ed. They only returned a application form for an Argos card. So I wrote informing them this was not good enougth as it didnt contain the terms and such.

I didnt hear anything for a long time and now Cabot write saying they have brought the account.

So why has my details been passed on without no credit agreement and thus without my permission ??


I have prepared another CCA request for Cabot and am sending that to them to await another copy of an application form and my £1 postal order to be sent back.


I wonder, if you did NOT send a £1 to them would they say they cannot compy as I didnt include £1 payment. You will be assimilated, resistance is futile.

And when you DO send a £1 they just send it back..... I ponder upon this.


Anyway the purpose of this thread is to document my story so future generations may have some insight into 21st century debt collections and the tricks they try.



P.S. I find it strange that Fredrickson passed it on when they couldnt provide the correct paperwork. Why would they do this, surly they lose money if indeed the debt is fully collectable, they could have collected themselfs. Im starting to wonder about the remote possibility that mabey infact the paperwork I know does not exist does infact NOT exist. A confusing paragraph if i ever did write one.


Please feel free to make a comment and welcome me to the inner circle.


I will keep this updated.

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Throw this at them for starters:


Edit as needed


Dear Sir or Madam,

Account number: XXXX XXXX XXXX XXXX


I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE 2007.

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998


My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be

resolved on **DATE**, this obviously hasn’t happened.

As **original creditor/DCA** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject Access request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.


As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.


Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.


If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.


After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines


I hope that this will not be necessary and an acceptable solution can be accomplished.


I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.


Yours faithfully

*- Delete as needed


Be VERY careful whose advice you listen too

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This is where the famous "rights not duties" bit comes into play. Having CCA'd Fredrickson, they as the "new" OC had to comply with the request. But as they were more than likely acting as agents for the OC they were supposed to pass it on to the existing (at the time) OC.


Now Cabot have the debt they are the new OC as they must have "rights and duties" otherwise they couldn't start court proceedings. SO the Fredrickson/original OC CCA request is automatically bestowed on Cabot (as well as the debt) so they are breach as much as their predeceessors. I'd just remind them that the CCA request hasn't been complied with and they are in default now.


That is, unless they argue that they aren't the creditor as defined by the Act - which kind of buggers up their right to take it any further.

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Welcome to the cabot/argos fanclub!.

Cabot will now proceed to bombard you with copies of the application form together with letters claiming that the law does not apply to them, these letters will get more and more tedious as they churn out the same information over and over again.

Eventually they will just get plain rude and sarcastic, just keep firing back letters explaining why they are wrong and why the law DOES apply to them and eventually after about a year they will get bored and give up..The end.

P.S at some point you will get a letter from an organisation called F.I.R.E claiming that the debt now belongs to them, Its just cabot in disguise.

You may also get letters from buchananclarke+wells claiming that they are working on behalf of cabot but they are equally toothless and will fade in to the background when confronted with facts and the law.

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I phoned them today.

Yes I know its advised to only mail but I pretty clued up and I know my rights so Im confident enougth to not listen to there bull.


Anyway I called fredricksons to request a copy of there complaints procedure. (re: not supplying a CCA then cabot contacting me over the debt. ie passing it on without permission)

wanna hear there complaints procedure ?? Its send a your complaint to to our manager and they will deal with it. Theres no information they can send me and I should speak to there solictors Bryan carter. So I call them and they pretty much tell me the same thing. They also say that Cabot have owned the debt since day one ( jan 07) and they were working on behalf of them.


So i call cabot and after explaining that im not calling to pay they finally tell me that they aquired the debt only around a week ago.

Fredrickson have been writing for months and neither freds nor argos has ever mentioned Cabot.


So someones telling porkie pies. And to be honest I think its fedrickson as ive never heard from cabot untill last week and even argos should have mentioned cabot at the start, but they didnt.


I get the impression that the people at fredricksons havent got a clue what they are talking about. As soon as I threw the guy of his script he went into 'ill ask my supervisor mode' and then I asked to speak to him and was told to speak to solicters who might I add were about as informative as a chimp on my questions.


Then I decided I had more important things to do and went and played world of warcraft.


Any comments?

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Hiding behind other names and using third party companies are all trademarks of the cabot business model i'm afraid.

If you get letters from another dca as well as cabot keep hold of them as this is illegal and is a common problem with cabot.

I am seeking legal advice regarding my own problems with cabot although i will say that since i threatened them with legal action regarding two dca' chasing the same debt two months ago they have been quiet.

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wanna hear there complaints procedure ?? Its send a your complaint to to our manager and they will deal with it. Theres no information they can send me and I should speak to there solictors Bryan carter. So I call them and they pretty much tell me the same thing.




The CCA 2006 requires them to have a formal complaint resolution procedure in place, and to provide a copy of it on request. I would write and ask them to confirm what they told you on the phone, and then hit them with a formal complaint, escalating to FOS for added £400 goodness...

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  • 9 months later...

Hi All,


Cabot has been sending me letters demanding for payment for a debt they bought from ARG Card. However, I have been ignoring them because:


1. This allegged debt is about or over 6/7 years old.


2. Since, I have moved addresses several times; it was only about 4 months ego that they (Cabot) have started to claim for the debt.


3. they got my name spelling wrongly (I don't want to write or get in touch with them so I have to put this right)


The matter is gentlly escalating; I have received a letter from their solicitors (Hodsons). They demanding that I pay them within seven days.


I never ackowledged any debt to anyone so far.



Please, could you help by advising me.



Thank you,




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