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    • Good evening, My husband and I are looking for some help regarding a faulty car which we have recently purchased from Big Motoring World Enfield. The details are as follows: - Make - Nissan Qashqai 2017 1.2L milage 55,349 miles.  Date purchased -   01/06/2024 Price paid - Deposit £9000, finance £4794 (this includes the 3yr Nissan extended warranty), buyers fee £249.      Total including all fees etc = £ 13794.        Initially, during the test drive, there was no problem with the car at all and this is why my husband bought the car on the day. No problems on the way home from the dealership and up to three days after purchase, the car drove smoothly. However, after day 4, occasionally we would feel a slight shudder during some gear changes (automatic car). Over the next few days these shudders worsened and then on day 5 the car would make very a very loud shudder with every single gear change. It was at this point we contacted Big Motoring World for advice as we are still under the 14 days no questions asked return.  My husband contacted BMW for advice on 06/06/2024 and stated the problems as above. He spoke to a sales person who informed him that he should only take the car to a Nissan dealership (we have now been told that this is false information). We were also promised that a courtesy car would be provided for us after the fault on the car had been identified and confirmed by their mechanic fixing the car. We took the car to the garage that Big Motoring World had told us to go. Upon arrival there we discovered it was a third-party garage, not Nissan. We took the car to the garage on day 9. The mechanic ran a diagnostic test which found no faults, but after the test drove the car and below are his findings...   we scan the car but no faults with the gearbox showing but when I test drove the car it was really juddering and jumping.I spoke to my auto transmission specialist and he said they are very common on these as the CVT belt starts jumping within the box due to pressure loss.  We had this vehicle in for diagnostics for gearbox mate but both the gearbox and battery are faulty.Gearbox supplied and fitted comes to £3500 plus vat   Where we are at now…. My husband spent all of day 10 (11/06/2024) making phone calls between the garage, Warranties2000 and Big Motoring World. He tried, unsuccessfully to find out if the diagnostic reports had been shared between all three. Everyone kept saying the report hadn’t been received and yet the garage assured us it had been sent. Eventually we were told that the courtesy car would be given to us if it was deemed the works to fix the car would take longer than 8 working hours, and that decision would be made after 48hours of receiving the report. Today is day 11 and no decision has been made as nobody is telling us any decisions as people are off sick or on holiday! Today we called the garage and told the mechanic NOT to start any work as we will be returning the car. He said none have been started and we have left the car in his storage as he has deemed the car undrivable. I have sent an email to BMW now formally stating that we want to return the car and I have used the terminology that was suggested.   What can we do next?   Thank you everyone. .  
    • Yes will do thanks Dave, I wonder what will happen at the preliminary hearing no idea what they will ask I assumed once I sent the proof they asked for about my sons condition that I would have just  been given the go ahead to be Litigation friend
    • First the judge will rule on you representing your son, which will be a doddle. After that the full hearing date will be fixed, with WSs exchanged 14 days before. So for the moment just concentrate on getting the right to represent your son.  
    • Thank you, the mediations in a couple of days so hopefully they show up this time. I'll update this thread after how it goes
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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.

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      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.
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Anyone with any experience with Marbles?


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Hi Everyone, a bit of an update: I've today received a letter from 1st Credit dated the 12th March (I really don't know which postal service they use that takes 13 days to arrive!) Anyway it reads:

YOU HAVE RAISED A DISPUTE/QUERY

We refer to your recent communication advising 1st Credit that you have a dispute/query in relation to this debt.

 

We will shortly be contacting our client to advise them of your comments. We will contact you with our clients reply in due course. This process may take at least one month.

 

Unless you are querying the full balance we must ask you to contact 1st Credit Ltd immediately to discuss payment of the debt you accept it due and payable.

 

Please call this office to provide a suitable contact number. This will ensure we are able to deal with this matter quickly and efficiently.

 

Sooooo what do I do now. The entire amount is in dispute whilst they cannot provide anything with my signature on it - so i'm hardly going to offer payment of the debt i find acceptable - so i'm not quite sure what they mean by this?

 

I'm guessing I should just ignore - and sit tight and see what they come up with from Marbles. But any advice would be appreciated as usual!

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Thanks CB - I wonder whether they have already in fact been in contact with Marbles...........and have been told that the agreement couldn't be found? Just seems very odd that they put in writing they will "shortly" be contacting their client (why not immediately?) and that it will take at least a month (well I CCA'd Marbles MONTHS ago - so it's blatantly taken more than a month) I'll just put my feet up then and wait to see what is produced!

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  • 1 month later...

Hi everyone! It's been so long since I last posted here....anyway I've got another update that I could do with you help on!?

 

In brief this debt had been given to 1st Credit to collect to whom I sent account in dispute letter.....this in turn led them to send me the letter i've put in post 104. I'd heard nothing since then.....until today when I received a letter from CABOT!

 

The letter basically says that the debt has been assigned to them and there is a notice of assignment from Marbles.

 

I'm really confused! To date Marbles have produced nothing with my signature on....not even a dodgy application form. The last letter from First Credit implied that they would be in contact with me once Marbles had supplied them with the relevant documentation - which they obviously couldn't do! So what do I do now? Send another account in dispute letter to Cabot?

 

 

Any help greatly appreciated as always!

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Cheers Priority One! I did read back over the thread and saw that your's had been sold to them! Are they easy to play ball with or do they huff and puff and throw their toys out of their pram frequently?

 

I'm not overly concerned as yet - because I believe if Marbles had the correct paperwork they'd have supplied it themselves OR they would have given it to First Credit.....so i'll send off another account in dispute letter and see what occurs!

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Cheers Priority One! I did read back over the thread and saw that your's had been sold to them! Are they easy to play ball with or do they huff and puff and throw their toys out of their pram frequently?

 

I'm not overly concerned as yet - because I believe if Marbles had the correct paperwork they'd have supplied it themselves OR they would have given it to First Credit.....so i'll send off another account in dispute letter and see what occurs!

 

Actually.... they've been ok!:shock: They've only 'phone me the once and when I said that I wasn't willing to discuss matters over the 'phone, they stopped.:shock: They've not tried to call me since.

 

Re. correspondence.... they've sent nothing whatsoever; not even the Application for that HFC sent.... but wrote regularly up until a few months ago to let me know that they were trying their best :rolleyes: to answer my concerns and were contacting HFC again.

 

:)

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  • 3 weeks later...

OH MY GOODNESS!!! You would NOT BELIEVE the response i've had from Cabot! Totally ruined my saturday morning - I'm actually gob smacked with the lies in their letter! I don't have a scanner so i'm going to type it:

 

I refer to your letter received on 27th May 2010

 

In your letter you state that you have previously made a request to Bank of Scotland (Marbles) (BOS) the original lender for a copy of your credit agreement pursuant to Section 78 of the Consumer Credit Act 1974. You state that BOS has failed to comply with your request and your account should not have been asigned to the Cabot Financial Group (CABOT)

 

I have investigated the matter with BOS and can confirm they have no record of any such request or dispute in relation to your account. As such, they were unaware that you had required this information.

 

However, in light of the comments in your letter, I have made a request to BOS to provide a copy of your credit agreement and any available statements.

 

We anticipate that we will be able to provide this information within 12 days, however, in the event that this seems unlikely, we will write to you again.

 

While your request is outstanding we still recommend that you contact our collections team on ..... in order to arrange a suitable repayment plan.

 

I note your reference to section 10 of the Data Protection Act 1998 (DPA) Section 10(1) of the DPA states:

 

"Subject to subsection (2), an individual is entitled at any time by notice in writing to a data controller to require the data controller at the end of such period as is reasonable in the circumstances to cease, or not to begin, processing, or processing for a specified purpose or in a speciafied manner, any personal data in respect of which he is the data subject, on the ground, for specified reason-

(a) the processing of those data or their processing for that purpose or in that manner is causing or is likely to cause substantial damage or substantial distress to him or to another, and

(b) that damage or distress is or would be unwarrented

 

Section 10(2) of the DPA states

 

Subsection 1 does not apply

(a) in a case where any of the conditions in paragraphs 1 to 4 is met or

(b) in such other cases as may be prescribed bt the Secretary of State by order

 

I refer your attention to paragraphs 1 to 4 of Schedule 2 of the DPA which states:

 

Conditions Relevant for the Purposes of the First Principle: Processing of any personal data

1. The data subject has given his consent to the processing

2. The processing is necessary

a. For the performance of a contract to which the data is subject is a party or

b. For the taking of steps at the request of the data subject with a view to entering into a contract

3. The processing is necessary for compliance with any legal obligation to which the data controller is subject, other than an obligation imposed by contract.

4. The processing in order to protect the vital interests of the data subject.

 

You shall note from section 10(2)(a) of the DPA, the words "any of the conditions" and paragraph 1 and 2 of Schedule 2 of the DPA are entirely relevant to your case as you signed a credit agreement which has been assigned by BOS to Cabot.

 

I trust I have set our position clearly.

 

Soooo i'm actually fuming!! If i'm not mistaken both Cabot and Marbles are calling me a liar???? Do Cabot really not think that I have evidence of my request for a copy of my CCA? And evidence of Marbles response?

 

I really don't know where to go with this? Do I just wait for them to provide the copy of my CCA? Or do I write back to them?

 

Any advice as always is appreciated?

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  • 2 weeks later...

Oh BSC how right you were to ignore.....received another letter from Crapbot this morning.........as follows:

 

We write further to your request for information under sections 77 and/or 78 of the consumer credit act 1974

 

We have made several urgent requests to the original lender to forward any documentation relating to your account to us. Unfortunately, Cabot has not received this information due to a delay in retrieving from their archives. We will continue to request this information and upon receipt will forward the documentation to you immediately.

 

In the meantime, Cabot has suspended all collection activity until such time that the relevant information is supplied to you.

 

Cabot financial wishes to apologise for any delay in supplying this information to you.

 

Feel a little bit smug at the minute - seeing as they called me a liar in their last letter.

 

Think i'll file this one away for now......

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  • 3 weeks later...

Hmmm Cabot are obvisouly a few sandwiches short of a picnic. The last letter I received state "all collection activity has been suspended" and yet this morning I received the following:

 

We refer to our recent letter informing you that the original lender is experiencing a delay in obtaining information from their archives.

 

Please be assured that we are continuing to request the information as a matter of urgency from the original lender and we hope to send you the information shortly.

 

We would again like to remind you that although we are still awaiting the requested information your debt remains legally due. Therefore we would recommend you make repayments towards your account accordingly. (they didn't recommend anything - they said they were suspending all collection on the account - left and right hand not working together - methinks?)

We appreciate your patience and co-operation in this matter and apologise for any inconvenience you may have experienced as a result of this delay.

 

I'm assuming I just file this one away and don't bother myself with a response?

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  • 1 month later...

Hi Caggers,

 

Well its been a while since I posted on this little CABOT dilemma. I've received a few letters from them stating they are still trying to retrieve the relevent documentation from HFC/Marbles and they would be in contact when they manage to do so. Until today when a very large package was posted through my door with the following letter:

 

OUR RESPONSE UNDER SECTIONS 77/78 of the CONSUMER CREDIT ACT 1974:

I write further to our letter dated the 2nd June.

 

Cabot does rely on the original lender to provide information in order to assist with your enquiries. We have made several requests for a copy of the agreement from MArbles. However, we are still awaiting this information.

 

Notwithstanding, as stated in our previous letters we would contact you if and when we received information relevent to your account under the consumer credit act ("CCA"). Marbles has provided Cabot with copies of the available statements pertaining to your account, which I have enclosed. These statements clarify the outstanding balance that was assigned to CABOT. They also clearly detail repayments that you have previously made towards your debt, which constitute a clear acknowledgement of your responsibility to repay the debt.

 

In ligt of the above Cabot is of the opinion that you have been provded with sufficient evidence that the account exisits.

 

For your ease of reference the outstanding balance on the above is ...... I would recommend you contact our collection department within 14 days to discuss the options available in order to settle this account.

 

I trust we have set our position clearly.

 

Ok - so I know that they are talking out of their bottoms - and sending me a bunch of statements does not constitute an agreement. The fact remains i've not seen so much as an application form yet. What does amuse me is the amount of interest they have piled on. Am I right in assuming that the minute I put an account into dispute that they should no longer add interest? Or is that just something i've made up?

 

I know what i'd like to repsond to this - but was wondering if any of you more experiences CAGGERS could advise me on what best to send in response. I've noted all their statements in their letter say things like "cabot is of the opinion" and "cabot would recommend" - so I think they know they are clutching at straws - but I'd like to respond nonetheless............so all advices welcome as usual!

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Hi there

You MUST do something before Restons (the SCUMMIEST set of "Solicitors" - actually Extortioners - in the known - and probably unknown universe).

 

These people LIE and and will attempt to rack up HORRENDOUS "Collection Fees" and WILL go to court at the drop of a hat. They are without doubt the WORST set of individuals in the entire world to deal with --and as for trying ever to get a statement of account out of them then just forget it.

 

However as with all these types of Bullies when you don't knuckle over and stand up to them then they probably wont turn up in Court.

 

Offer Marbles something if there is a valid CCA and of course go down the SAR rout as well.

 

Incidentally as some of these Marbles accounts are quite old you might be in the position of having the debt Statute Barred --6 years in England / 5 in Scotland since your last payment.

 

The main thing in dealing with Restons Extortioners is to do SOMETHING as they always try and get their CCJ's by default --and wack on such horrendous conditions that it's absolutely impossible to comply with the CCJ so they they go for the Charging Order and forced sale as well if you own property.

 

So PLEASE DO NOT IGNORE - do something or Restons will have you by the short and curlies -- Restons ARE defeatable but YOU have to act.

 

Cheers

jimbo

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Thanks Priority.......Restons have absoultely nothing to do with this - I suspect the debt was assigned to CABOT due to the fact that no CCA or application form even has been produced. So back to my original question - is there anything I should do in response to the stack of statements I received - which Cabot are trying to pass off as their version of complying with my request for my CCA?

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Hi there

OK made an error there as I missed the Cabot bit. Normally Restons get the HFC stuff which is why I posted my response (and the title of the thread was has anybody experience with MARBLES -- not Cabot).

 

Cheers

jimbo

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Thanks Priority.......Restons have absoultely nothing to do with this - I suspect the debt was assigned to CABOT due to the fact that no CCA or application form even has been produced. So back to my original question - is there anything I should do in response to the stack of statements I received - which Cabot are trying to pass off as their version of complying with my request for my CCA?

 

Yes, Cabot have bought this without any paperwork apparently. It's up to you whether you respond to this or not.... but knowing how Cabot work.... I think that they may fancy their chances at some point and pass it to Morgans (their sols.) if you don't. They won't do this straight away though and you'll get warning of this first because either/both will contact you again first.

 

They don't have anything and statements are meaningless without a valid CCA. They know this but are hoping that you don't.... hence the comments in the letter. If you decide to write, let me know and I'll draft something up for you. :-)

 

Hi there

OK made an error there as I missed the Cabot bit. Normally Restons get the HFC stuff which is why I posted my response (and the title of the thread was has anybody experience with MARBLES -- not Cabot).

 

Cheers

jimbo

 

Yes, you're right.... HFC normally do pass to Restons but this one was challenged early enough for them to realise that this would be a waste of time because there was no CCA, so they sold it instead... ;-)

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