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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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Maroondevo52 v Cabot


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Hi, looking for some help, please.

 

Received letter from Cabot (Financial) in July 2006. They say I am due them £1,618.26. from a old MBNA Card.(I ignored it, can't even remember having a MBNA Card).

 

Hundreds of phone calls later (none which I answered) and 16 months later, I receive a letter from FIRE (Financial Investigations and Recoveries(Europe) LTD) saying I owe them £1,872.40. On january 7th 2008 I CCA them. 16th January 2008, they reply to my request saying. 'The Cabot Financial Group is not obliged to provide this information but we are pleased to help and have already requested the documentation for you from the original lender.'

They amount now due is £1,830.92.(How come the amounts keep changing?)

 

22nd january 2008 receive letter from MBNA.....

 

'Please accept this letter as confirmation that your outstanding balance due under the above account has been assigned to Kings Hill No 1 Limited part of the Cabot Financial Group.

All enquires regarding this account, should be made to this company.'

 

What happens now ?

 

Thanks.

 

Scott.

Any advice I give is honest and in good faith.:)

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Hi, Ben.

 

Thanks for replying, no I can't remember what type of card it could be. On my credit file it says the account was opened in 1991.:o .Shockareeno.

Defaulted in 2004 ? Think they've been on the wacky baccy.:p .

Oh, almost forgot, they will take as 'full and final' a payment of £936.20.

 

Thanks again.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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Thank you, Bigmac.;)

 

 

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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Thanks for your input, Newborn.

 

On my Credit Report it's Cabot Financial (UK)LTD. PO BOX 241 West Malling.ME19 4NA.Tel:0845 0700 116.

Current Balance: £1,830.

Default Balance: £1,470.

Start Date: 22/12/1992.(must have been a loan to help Noah build the Ark)

Default Date: 01/06/2005.

 

Bo, thank you too. I did not ask for a Statement of Account.:rolleyes: (not the sharperst tool in the Box).

 

I'll keep you updated.

 

Regards.

 

Scott.

  • Haha 1
Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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Received Letter from Cabot. Dated: 30 Jan.2008.

 

Your request

We write further to your request for information under sections 77 and/or 78 of the Consumer Credit Act 1974.

 

Although Cabot has requested the information, the original lender is experiencing a delay in retrieving the information from it's archives.

 

We shall send the information to you as soon as we receive it.

 

The status of your account

We will as a gesture of goodwill put your account on hold until we receive further communication from the original lender.

 

 

Sounds good to me.:) .

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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  • 2 weeks later...

Letter from Cabot, Today the 13th Feb. 2008.

 

Your request under the Consumer Credit Act 1974

We recently wrote to you informing you that the original lender is experiencing a delay in obtaining information from their archives. Although 24 days have passed since your request, we hope to be able to send the information to you shortly. We shall remind the origional lender that your information remains outstanding and should be processed as a matter of urgency.

 

We apologize for any inconvenience you may have experienced as a result of this delay.

 

The Status of your Account

Your account shall remain on hold until further notice.

 

 

 

Good news, me thinks.

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  • 2 weeks later...

Another letter from Cabot, dated 21st February 2008.

 

Your request for information under the Consumer Credit Act

Unfortunately Cabot has not been able to provide you with the requested information within the relevant time period. We have worked hard to obtain this information for you. However, the Original Lender has not yet been able to locate the relevant information from their archives.

 

You are of course entitled to request the information direct from the original lender.

 

Your Account

Cabot shall continue to hold any action on your account until further notice.

 

What happens next ?

Although Cabot is dependant on the original lender for the information, the relevant time period has now expired. However, Cabot shall continue to request the information from the original lender to assist you with your request. We hope to receive the relevant information shortly.

 

 

 

What happens now ?(or what should I do now ?)

 

Regards.

 

Scott.

 

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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  • 3 weeks later...

If I want the default removed, what do I do next.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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Thanks, Ben.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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  • 1 month later...

Still nothing from Cabot, what's the next move, if any :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Hi, Bigmac.

 

I think I'm going to have to swallow the default.

So you think I should just get on with my life, and stop peeking through the curtains when the Postman comes :p

 

You know what I love now, I can open all my post :) and answer all my phone calls :) without my heart sinking.

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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  • 1 month later...

Nightmare :)

 

I paid off a debt with BOS, with a large chunk of it re-claimed Bank Charges.

I had a Standing Order paying £100 per month to Blair, Oliver & Scott.

 

Forgot to cancel the Standing Order :mad:

Realised today and phoned Bank Of Scotland, smart guy at the end of the phone say's, oh too bad, we will use that £100 to pay your other debt( that's the one in this thread, with Cabot)

 

After a long argument, regarding non-complience of CCA request to Cabot,smart guy say's, we will hold that money until we resolve the issue.

 

Can they do this ?

 

Any help greatfully received :) ( can't believe I was so stupid)

 

Regards.

 

Scott.

Edited by maroondevo52
Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hope you have cancelled the SO now scott :)

 

I have :rolleyes: I did'nt have a scooby, BOS had anything to do with this debt, on my Credit File it only mentions Cabot and MBNA.

 

I nearly fell of my chair when the guy said, we'll use it to to reduce the balance on your other debt.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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Four or five, I think.

This was towards a debt with BOS Visa, when I won my claim, I paid the remainder off.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

Sent letter to BOS regarding overpayment and Cabot's non-complience of CCA request, telling them they cannot keep my £100 overpayment as they so arrogantly, told me they could.

 

Received letter Today 18th June, 6 weeks after I paid off my debt, from Blair Oliver and Scott.

 

Dear Maroondevo52,

 

We write to inform you that the above noted account has been fully repaid.

 

This means that you should immedietly.

 

(a) Cease making payments to this account; and

 

(b) Cancel any existing standing order in favour of this account.

 

If there are any overpaid funds, these will be repaid to you. however, failure to take the actions above could result in a delay to the refund.

 

Our client has made arrangements for the account to be closed and the Credit Reference Agencies to be updated as appropriate.

 

Thank you for your co-operation.

 

 

So, looks like a result to me :) Still no refund but I've got a feeling it's on it's way ;)

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 1 month later...

Just checked my Credit File to see if they had marked it 'satisfied' as they promised.

 

No, unbelievably they have updated it with an outstanding balace of £100

Their at the lash !!!!( that'll be the £100 they are due me)

 

Will be on the phone to them tomorrow, see if we can sort it out :mad:

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Received Cheque today for my overpaid £100 :)

 

They appologised for the mistake in updating my Credit File, and will sort it in the next couple of days :rolleyes:

 

Not exactly rocket science ;)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 3 weeks later...

Hi, Bo.

 

Just checked my Credit File again and it's still showing a balance of £100:eek:

what a crew they are, have to phone again tomorrow :rolleyes:

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Give ‘em some stick and you may end up an honorary member of the Cabot Fan Club :D

 

:lol::lol::lol:

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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