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    • and it will be also now written off under age related criteria anyway.
    • @dx100ukThanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe consequences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
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    • If you are buying a used car – you need to read this survival guide.
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      • 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
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      • 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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CABOT FINANCIAL/MORGAN STANLEY Vs Mpols Hubby


mysticpols06
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Morning peeps - Need input please - Background info:

 

Account began November 2005 (Have a feeling applied online - will this make a difference?)

 

Received 'Welcome to CABOT' template letter 09/04/08 with relevant details re Morgan Stanley card

 

Received 'NOA' from 'GOLDFISH' with no account info except name and address with a second 'Welcome' letter encl, 17/04/08

 

Contacted them by phone (i know i know - pre-cag naievety) & arranged to continue the reduced payment plan with them that was prev' in place with M/S, 10/05/08

 

Confirmation letter from CABOT accepting payments, 02/07/08

 

Outstanding balance confirmation requested to all cred, 06/10/08

 

Outstanding balance confirmed by CABOT with printed statement of account, 14/10/08

 

CCA sent to ALL our O/C & DCA, 07/11/08 (Discovery of the great Cagship the previous week ;))

 

'Your request for info' template from CABOT with stat £1 returned, 10/11/08

 

'O/C experiencing delay in retrieving info from archives - account put on hold' template from CABOT, received on date of default, 24/11/08

 

Witheld repayments, 28/11/08

 

'We shall remind orig lender that your info remains outstanding - acc remains on hold' template from CABOT, 03/12/08

 

'Statement of acc' template stating full outstanding balance as min payment required from CABOT, 28/07/09

 

'Statement of acc' template stating full outstanding balance as min payment required from CABOT, 06/08/09

 

'Statement of acc' template stating full outstanding balance as min payment required from CABOT, 07/09/09

 

'OUR RESPONSE TO YOUR REQUEST UNDER SECTIONS 77/78 OF THE CCA 1974:

I refer to your letter dated 10/11/08, Cabot does rely on the O/L to provide the info in order to assist with your enquiries. We have made several requests for a copy of the agreememnt from GOLDFISH BANK Ltd (GBL), however we are still awaiting this info.

 

Not withstanding, GBL 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 the repayments that you have made towards your debt, which constitute a clear acknowledgement of your responsibility to repay the debt.

In addition i am enclosing a statement of account which also details repayments you have made to CABOT, since our ownership of your acc.

 

In light of the above, CABOT is of the opinion that you have been provided sufficient evidence that the accounts exist.

 

In addition CABOT has provided you with a copy of the NOA from GBL & our intro letter clarifying CABOTS ownership.

 

For your ease of reference the outstanding balance on the above acc is £xxxx.xx. I would recommend you contact our collections dept within 14 days on 0845 0700 116 to discuss the options available in order to settle this acc.

 

I trust we have set our position clearly.

AMANDA CHIVERS (Handsigned not printed)." - From CABOT with printed statement, 'representation' generic copy intro letter, incorrect 'representation' NOA letter, 28/09/09

 

'Statement of acc' template stating full outstanding balance as min payment required, from CABOT, 06/10/09.

 

Thats all folks! So sorry for long post but wanted to give accurate timeline/details of templates etc (also to help with ScabHunters thread & examples).

 

I would like to respond to their CCA reply with something similar to " we are disputing your right to collect as opposed to we are disputing the account because obviously they haven't provided the agreement that we supposedly signed with the T&C's etc.

Grateful for any comments/advice please,

 

Thanks as always, Mpols x

Edited by mysticpols06
typos

'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!

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Cheers for quick response hun- So am thinking i might send an edited acc in dis/no more correspondence in one - ie, No cca, enforcement rights disputed not existence of debt, complaints to all major dodo's now being lodged, will not correspond further unless appropriate docs provided - as opposed to another year of letter ping pong like with my other thread that you have seen. What d'ya think? 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!

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:) Thankyou. Will get it done this wkend & complaints ready to lodge Monday too - Am thinking of inviting our MP for tea haha - She's gonna know us personally before long! 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!

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Morning peeps - Need input please - Background info:

 

Account began November 2005 (Have a feeling applied online - will this make a difference?)

 

Received 'Welcome to CABOT' template letter 09/04/08 with relevant details re Morgan Stanley card

 

Received 'NOA' from 'GOLDFISH' with no account info except name and address with a second 'Welcome' letter encl, 17/04/08

 

Contacted them by phone (i know i know - pre-cag naievety) & arranged to continue the reduced payment plan with them that was prev' in place with M/S, 10/05/08

 

Confirmation letter from CABOT accepting payments, 02/07/08

 

Outstanding balance confirmation requested to all cred, 06/10/08

 

Outstanding balance confirmed by CABOT with printed statement of account, 14/10/08

 

CCA sent to ALL our O/C & DCA, 07/11/08 (Discovery of the great Cagship the previous week ;))

 

'Your request for info' template from CABOT with stat £1 returned, 10/11/08

 

'O/C experiencing delay in retrieving info from archives - account put on hold' template from CABOT, received on date of default, 24/11/08

 

Witheld repayments, 28/11/08

 

'We shall remind orig lender that your info remains outstanding - acc remains on hold' template from CABOT, 03/12/08

 

'Statement of acc' template stating full outstanding balance as min payment required from CABOT, 28/07/09

 

'Statement of acc' template stating full outstanding balance as min payment required from CABOT, 06/08/09

 

'Statement of acc' template stating full outstanding balance as min payment required from CABOT, 07/09/09

 

'OUR RESPONSE TO YOUR REQUEST UNDER SECTIONS 77/78 OF THE CCA 1974:

I refer to your letter dated 10/11/08, Cabot does rely on the O/L to provide the info in order to assist with your enquiries. We have made several requests for a copy of the agreememnt from GOLDFISH BANK Ltd (GBL), however we are still awaiting this info.

 

Not withstanding, GBL 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 the repayments that you have made towards your debt, which constitute a clear acknowledgement of your responsibility to repay the debt.

 

Yes, AND? :)

 

 

In addition i am enclosing a statement of account which also details repayments you have made to CABOT, since our ownership of your acc.

 

Again, AND? :)

 

In light of the above, CABOT is of the opinion that you have been provided sufficient evidence that the accounts exist.

 

You are not disputing that, just their right to be collecting it. Bloody numpties

 

In addition CABOT has provided you with a copy of the NOA from GBL & our intro letter clarifying CABOTS ownership.

 

Point them to LoPA 1925 s136 and ask them where does it say that they can send out NoA's on behalf of the creditor

 

For your ease of reference the outstanding balance on the above acc is £xxxx.xx. I would recommend you contact our collections dept within 14 days on 0845 0700 116 to discuss the options available in order to settle this acc.

 

The option I would be discussing is a total write off :) but we know that aint gonna happen

 

I trust we have set our position clearly.

AMANDA CHIVERS (Handsigned not printed)." - From CABOT with printed statement, 'representation' generic copy intro letter, incorrect 'representation' NOA letter, 28/09/09

 

'Statement of acc' template stating full outstanding balance as min payment required, from CABOT, 06/10/09.

 

Thats all folks! So sorry for long post but wanted to give accurate timeline/details of templates etc (also to help with ScabHunters thread & examples).

 

I would like to respond to their CCA reply with something similar to " we are disputing your right to collect as opposed to we are disputing the account because obviously they haven't provided the agreement that we supposedly signed with the T&C's etc.

Grateful for any comments/advice please,

 

Thanks as always, Mpols x

 

 

As Mr T says, Make your point and refuse to respond unless they supply what has been asked for.

Cabot have recently been taking peeps to court without full paperwork so they may try it on with us.

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

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Cheers Fox - EEK! Would be my luck that i'm one of the ones they choose to play with - They have this of hubby's now, plus my main thread & my Cap one as well, which since i complained to everyone hasn't shown any response. I'll be rounding up any confident/experienced Caggers to hold my hand in court - it's one thing I am NOT confident about doing, mainly cos i struggle to retain the relevant info when necessary/under pressure, but we'll see - Maybe i could bribe everyone with chocolate crispy cakes or Bangers & mash on me :D Oh, well, Cest La Vie'!

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!

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This is one of the latest Crapbot gimmicks. I have seen it several times and will be making a post about it on the other thread very soon.

 

Proving an account EXISTS is not enough. How are you supposed to determine any balance on an account purely because it exists???

 

Why did Francis Bennion draft the act in this way? Why was it a requirement that the prescribed terms be on the signature document?

 

Obviously, because that is the only way a balance can be calculated on the said account.

 

In la-la-Crapbot land we have a situation where people write cheques with "don't know" in the amount box because nobody has provided any way of establishing any amounts which might be payable. And, presumably, the banks cash them.

 

Oh, sorry, of course. I forgot. There is always a way to determine a balance, isn't there? We owe a certain amount of money because Crapbot says so. Our lords and masters have spoken, so we MUST obey.

 

I don't think so, pal, do you?

 

These letters are very naughty. Crapbot are blatantly and quite openly attempting to collect money while in default of a legitimate request made pursuant to the Consumer Credit Act 1974 Section 78(1).

 

Everyone who gets one of these letters needs to bring it to the attention of the OFT.

 

SH

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This is one of the latest Crapbot gimmicks. I have seen it several times and will be making a post about it on the other thread very soon.

 

Everyone who gets one of these letters needs to bring it to the attention of the OFT.

 

SH

 

 

Enjoying your thread SH and you're right, people need to complain about cabot to OFT. If memory serves me correctly enough people complained about the 1st credit stat demands and they got wrapped for it, same applies here also.

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