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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
      • 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
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cabot help required

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have been paying cabot monthly after they phoned me over a credit card debt, after a year they then wrote and said they were putting the payments up, cancelled direct debit and waited for them to get in touch they did with a vengence, the telephone calls were incessant. sent them a standard email to desist for harrassment which they did they then wrote to me as asked. when letter arrived it said debt for providian, well to cut a long story short I dont remember having a card with this lot and when I tried to check found theyve gone any suggestions greatfully received

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My account is on hold until they find the agreement, could be a long wait!

Have you sent a letter to Cabot stating that you don't recognise the debt, if not, this is one of Curlyben's I think :


You have contacted me regarding the account with the above reference number, which you claim is owed by myself.


I would point out that I have no knowledge of any such debt being owed to (insert company name).


I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.


I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.


Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.


I would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.


I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.


I look forward to your reply.


They will have to then supply proof of the debt, you could have a long wait as Cabot for some reason don't have the required documents immediately available.

Good luck, Dibs.

Don't know if i'm coming or going!

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Just reading this thread with interest. I have had a letter from cabot this morning asking me to contact them but does not say what about. I had a card with Providian a long time ago (6 years I think) and have heard nothing about it since then. Is it about that? I'm really scared and dont know what to do. Can anyone help?

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bobbysox whatever you do DO NOT ring them, if they ring you and the chances are they will tell them to sling their hook

I dont know offhand you will have to read the threads but there is something about a statute of limitations on these debts I have a feeling yours falls into that category

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bobbysox, just type cabot into the searchbox and read through the threads, you will then learn how the cabot group operate.

I agree with nblaen, it does sound as if this alleged debt is statute barred,

follow nblaens advice and do not speak to them on the phone, if they phone you, simply hang up.

Good luck, Dibs.

Don't know if i'm coming or going!

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I certainly hope it is statute barred as you say. I went through a real tough time about 7 years ago, just graduated (student debt) when I unexpectedly fell pregnant, lost my job and became a single parent. I thought everything was finally sorted and felt like my whole world was about to fall apart when I opened the post this morning. Thanks for your help. will keep you posted!!

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Hi all

I've been reading this thread with interest, as I too am being hassled by cabot, yes Providien was sold to monument, which I think are part of Barclays who incidently actually own Cabot or did, its a bit complicated but I'm sure somone on this site will be able to clarify this.


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  • 1 month later...

Hi everyone

I ignored the previous letter from Cabot but today I received another one saying they had confirmation that I live at this address and that my account is overdue, I should contact them to arrange repayment of the account. I'm sure this debt is statute barred and that they are just fishing. should I continue to ignore? What do you think? I would be grateful for some guidance on this. Many thanks Bobbysox

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cabot lie they told me they didnt need to produce a cca and that they could still collect on statue barred debts!!!... dont talk to them on the phone cca them. they couldnt find the cca for my boyfriend and gave up. if they ring you keep saying in writting only please.

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