Jump to content


  • Tweets

  • Posts

    • My understanding is that they won't provide the name to me whether the investigation is Live or Closed, & I have no legal rep as I didn't have P.I. Cover on my policy, & am intending to claim using OIC.org.uk, but remain completely stuck as they 100% cannot open a claim on the portal without both the Reg. No. & Name of the other driver.  
    • thanks again ftmdave, your words are verey encouraging and i do appreciate them. i have taken about 2 hours to think of a letter to write to the ceo...i will paste it below...also how would i address a ceo? do i just put his name? or put dear sir? do you think its ok?  i would appreciate feedback/input from anybody if anything needs to be added/taken away, removed if incorrect etc. i am writing it on behalf of my friend..she is the named driver  - im the one with the blue badge and owner of the car - just for clarification. thanks in adavance to everyone.       My friend and I are both disabled and have been a victim of disability discrimination on the part of your agents.   I have been incorrectly 'charged' by your agent 'excel parking' for overstaying in your car park, but there was no overstay. The letter I recieved said the duration of stay was 15 minutes but there is a 10 minute grace period and also 5 minutes consideration time, hence there was no duration of stay of 15 minutes.   I would like to take this oppertunity to clarify what happend at your Gravesend store. We are struggling finacially due to the 'cost of living crisis' and not being able to work because we are both disabled, we was attracted to your store for the 10 items for £10 offer. I suffer dyslexia and depression and my friend who I take shopping has a mobility disability. We went to buy some shopping at your Gravesend branch of Iceland on 28th of December 2023, we entered your car park, tried to read and understand the parking signs and realised we had to pay for parking. We then realised we didnt have any change for the parking machine so went back to look for coins in the car and when we couldnt find any we left. As my friend has mobility issues it takes some time for me to help him out of the car, as you probably understand this takes more time than it would a normal able bodied person. As I suffer dyslexia I am sure you'll agree that it took me more time than a normal person to read and understand the large amount of information at the pay & display machine. After this, it took more time than an able bodied person to leave the car park especially as I have to help my friend on his crutches etc get back into the car due to his mobility disability. All this took us 15 minutes.   I was the driver of my friends car and he has a blue badge. He then received a 'notice to keeper' for a 'failure to purchase a parking tariff'. On the letter it asked to name the driver if you wasnt the driver at the time, so as he wasnt the driver he named me. I appealed the charge and told them we are disabled and explained the situation as above. The appeal was denied, and even more so was totally ignored regarding our disabilities and that we take longer than an able bodied person to access the car and read the signs and understand them. As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us. I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge.     After being discriminated by your agent my friend decided to contact 'iceland customer care team' on my behalf and again explained the situation and also sent photos of his disabled blue badge and proof of disability. He asked the care team to cancel the charge as ultimately its Iceland's land/property and you have the power over excel parking to cancel it. Again we was met with no mention or consideration for our disability and no direct response regarding the cancellation, all we was told was to contact excel parking. He has replied over 20 times to try to get the 'care team' to understand and cancel this but its pointless as we are just ignored every time. I believe that Ignoring our disability is discrimination which is why I am now contacting you.     I have noticed on your website that you are 'acting' to ease the 'cost of living crisis' : https://about.iceland.co.uk/2022/04/05/iceland-acts-to-ease-the-cost-of-living-crisis/   If you really are commited to helping people in this time of crisis ..and especially two struggling disabled people, can you please cancel this charge as it will only cause more damage to our mental health if you do not.  
    • I've also been in touch via the online portal to the Police's GDPR team, to request the name of the other Driver. Got this response:   Dear Mr. ---------   Our Ref: ----------   Thank you for your request which has been forwarded to the Data Protection Team for consideration.   The data you are requesting is third party, we would not give this information directly to you.   Your solicitor or legal team acting on our behalf would approach us directly with your signed (wet) consent allowing us to consider the request further.   I note the investigation is showing as ‘live’ at this time, we would not considered sharing data for suggested injury until the investigation has been closed.   If you wish to pursue a claim once the investigation has been closed please signpost your legal team to [email protected]   Kind regards   ----------------- Data Protection Assistant    
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Hi everyone, Apologies for bringing up the same topic regarding these individuals. I wish I had found this forum earlier, as I've seen very similar cases. However, I need your help in figuring out what to do next because we've involved our partners/resellers. I work as an IT Manager in a company outside of the UK. We acquired a license from a certified reseller (along with a support agreement) and also obtained training sessions from them. The issue arose when we needed to register two people for the training sessions, so we used an external laptop for the second user to keep up with the sessions for only a month. During this period, the laptop was solely used for the training sessions. After two weeks, my boss forwarded an email to me from Ms Vinces, stating that we are using illicit software from SolidWorks. Since this has never happened to me or anyone we know, I went into panic mode and had a meeting with her. During the meeting, we explained that we were using an external laptop solely for the training sessions and that the laptop had not been used within the company since her email. She informed us that for such cases, there are demos and special licenses (though our reseller did not mention these types of licenses when we made our initial purchase). She then mentioned that we had utilized products worth approximately €25k and presented us with two options: either pay the agreed value or acquire SolidWorks products. We expressed that the cost was too high, and our business couldn't support such expenses. I assured her that we would discuss the matter with the company board and get back to her. After the meeting, we contacted the company reseller from whom we purchased the license, explained the situation, and mentioned the use of an external laptop. They said they would speak to Maria and help mediate the situation. We hoped to significantly reduce the cost, perhaps to that of a 1-year professional license. Unfortunately, we were mistaken. The reseller mediated a value €2k less than what Maria had suggested (essentially, we would need to acquire two professional lifetime licenses and two years of support for a total of €23k). This amount is still beyond our means, but they insisted that the price was non-negotiable and wouldn't be reduced any further. The entire situation feels odd because she never provided us with addresses or other evidence (which I should have requested), and she's pressuring us to resolve the matter by the end of the month, with payment to be made through the reseller. This makes me feel as though the reseller is taking advantage of the situation to profit from it. Currently, we're trying to buy some time. We plan to meet with the reseller next week but are uncertain about how to proceed with them or whether we should respond to the mediator.
  • Recommended Topics

  • Our picks

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

CABOT chasing ex littlewoods barclaycard debt


mysticpols06
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4973 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

:p Do you seriously think its ok hun? Am bit worried that ive gone and used something wrong or something - knowing my luck the bloomin' statutes etc will have changed like at school run time when i had to break from writing to get sprogs etc lol, i dunno. Hope it's ok - Have actually gotta work out who to complain to first now & how doh! Plus have to get on me other cabot horse and write to complain as they are ignoring that the acc is in dis with Cap one Double Doh! It's gotta be cuppa time [_]? Me brain hurts :D! Back in a sec hun x Ps - Fab news re: Will & our ole pals Lowells eh! ;)

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

  • Replies 218
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

I do get a warm and fuzzy feeling when things go our way and knowing that we've been with lowwill(highwill) all the way makes it all the better.

 

I'm sure others will read that letter and make appropriate comments on it but to me it's bloody brilliant. Far better than I could ever attempt. I shall be stealing it and adapting it to my uses and of course passing it on.

As for the laws you stated, they all look relevant to me.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Bumping for general concensus please as to whether the above is ok to send? Many thanks all. Mpols x

Edited by mysticpols06

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

I'll give you a bump as well

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Here's another one.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

Link to post
Share on other sites

I expect that you comply with my request within 7 days of the date of this letter enclosing, if possible, appropriate and clear responses to the issues raised. All other correspondence will be duly recorded and forwarded with the aforementioned complaints.
I would remove 'if possible'.

 

The letter's fine but don't expect a meaningful response from Cabot. They will probably spout some hot air about "shall give the debtor a copy of the executed agreement (if any)" and try to state that that means it's okay to not have a compliant copy of the agreement.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

What does Bump mean??
It just moves a thread back up to the top of the forum so that more people will see it.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

When someone needs an opinion and none comes, they "bump" the post. This throws the thread up to the top of the new posts with the hope that some one will see it. By my answering your question also bumps it up which I'm sure Mpols will appreciate.

All she needs is for someone else to look at the letter she has written above and give their opinion.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Hi Fox, Bobby, Fred & Rory Thanks for the 'bumps' boys (bday not til april tho :-):p Irony's a wonderful thing folks - Was bumped good and proper yest to the extent of mild concussion! (Hence no being online) - Long story short, Dropped towel when getting littl'un from bath, Bent to pick it up & 'Bumped' or rather 'massively smacked' (doh) head on edge of basin - ow! (The polite version ha), Ended up with delayed shock & mild discussion (plus a still throbbing bloomin headache)! Anyways, Thanks Rory, To be honest hubby sent letter this morn (rec del) & i had already ommitted the 'if poss' plus edited a couple of sentances on Fox's advice also. Am not really expecting too much from them, as you said already re the standard response, but we shall see. Will be complaining re this acc the same as the other that you advised on (cap one passed on whilst in dis) so will post any reply they bother to send so that if any of you have a chance maybe to look, will be great and then i will think on next stage from there. Best wishes, Take care Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

Hi Mpols,

AWW poor you. Hope the head gets better soon.

 

It's now a case of wait and see what your letter brings.

 

As you know, I'll be around to look at what comes back and try and give you the wealth(!) of my experience :)

BTW, my b/days in April too

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

That sounds like the kind of clumsy thing I would do Mpols. Hope the heads better soon.

 

I used to have a friend who lived in an old house with low ceilings and wooden beams all over the place. I used to constantly come away with mild concussion.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

I would remove 'if possible'.

 

The letter's fine but don't expect a meaningful response from Cabot. They will probably spout some hot air about "shall give the debtor a copy of the executed agreement (if any)" and try to state that that means it's okay to not have a compliant copy of the agreement.

 

 

:rolleyes:Blimey Rory you really ARE psychic - Had letter this morn (will put up this pm/eve - no time now) Basically spouting the quote above & some other bits just want checked - Also tho, went back over their photocopied T&C's that came through as well & other bits i missed last time (prob wouldn't have made a diff) like "If you sign the attached application form" and their calls info that are "current as oct '07" Yet the form they sent me is signed '03 etc. Anyways, Hope everyone ok - Talk soon, Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

Keep that letter nice and handy Mystic,

Thats a wonderful piece of doctored evidence that the Judge would most likely need to see.

I can see the conversation now.

Judge ' Have you seen the agreement Mystic??'

Mystic 'You mean this one that they are trying to confuse the Honourable Judge with ? Your honour?'

Link to post
Share on other sites

This is page one of latest letter received - opinions/advice gratefully received as always - Many thanks mpols x

 

cabotagain1.jpg

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

Morning Mpols,

Standard cr*p from Cabot. They are quite right to say they have complied with the request but would they rely on that in court? I think not.

 

I'd be giving them one last chance to comply by sending the cpr 31.16 letter and see if they can wriggle out of that.

I'm sure you've had a look but I'll post the link anyway:

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

 

Other than that I'm not sure. Personally I'm beliggerent enough to say that if that's all ya got, bring it on. See you in court. :)

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Cheers for prompt reponse hun - Will read up on that thread & link again as am not retaining the info very well at the mo & see if general concensus agrees with us. Lol! Hope u well. Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

to mysticpolso6, re cabot, that is the same letter from cabot that I was talking about on here yesterday that you are on about. Here is my solution, we each purchase each others debt for 10p in the pound then forget about it.

Link to post
Share on other sites

I got reply through today saying they have temporaraly removed my wifes phone number from their records following my letter of complaint, this is a letter received the day after their first letter you know the standard waffle we are your mates, we want to help, this way to the showers ladies and gentlemen, you will be safely looked after and resettled in the east.

Just looks like they are trying to look like they are doing something useful whilst desperatly trying to see if they have any signed documents they think they can produce, and the tone of their letter has changed by saying we have a duty to pay what they say is owed.

Link to post
Share on other sites

Hi fox & others, Hope everyone very well - am having a bit of a thought - Dunno really which way to turn with these now. Keep thinking yep - lisen to the advice & next stage maybe like you said fox the next letter then after that see them in court but whats it gonna achieve? They have my signature on an app form & statements etc that they sent me copies of so i can't really deny the debt is owed but at the same time the info that they DID send me is apparently unenforceable so would they really risk seeing me in court & afterall i can only be charged to pay what i can be judged to afford surely, with the poss of any charges etc removed first? Am certainly not in any position to save up & offer a reduced f&f (can't afford to save bug#er all at the mo :() Don't want to become a won't pay have always paid something until they decided all out of the blue that it wasn't enough and sent me a letter (pretty much a yr to the day of buying my acc) to tell me my agreement was terminated and asking for full balance which is what prompte me to get on here doh! Now, thanks to the wonderful fantastic support from fellow caggers i have taken bull by horns & cca'd almost all our OC/DCA's & so far had one file closed & not a single enforceable agreement received :eek: which is actually quite shocking to think why have i been putting up with the grief & rudery from them all this time & scrimping to pay as much as i can when so far they can't even prove to me they have the right to my cash regardless. So, I dunno hun - S'pose i'm just wondering whether would be better to offer them a £1 a month or something until they provide anything else & in the meantime complain to all & sundry about them & wait for them to pass me on or start chasing - at least then if THEY decided to see me in court i can show that i have been taking responsibility for the balance regardless of fact they not played ball. Aaaarghhhh! Have done nowt 'cept 2nd guess mesen the last couple days. Haven't got a spare tenner to do the sar thingy will have to wait a couple weeks to get that (sad or what). Am bit peeved i think, maybe & defo rambling so am gonna leave it at that & apologise now for the randomness of this post if it doesn't make sense and then prob delete it once have took a deep breath, made a cuppa & have read it back. Hmmmmm. xx

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...