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    • Thank you for the reply - I'm half expecting them to either drop the whole thing or to spring the "We had to tell the court that you don't want to pay so we're going to restart proceedings" idea given the language in the consent order that I signed with them. Going to read up and prepare to defend in case they fancy playing that game. It'd be nice if they would actually play by the rules for once...
    • Hi, I'm not sure if I'm asking this in the correct forum.   Ill try to be brief   - last October I contacted a h2b company that said I was eligible for up to £200 off every window and door. I agreed to a company to come and quote.   The quote was given, the windows and doors installed. The initial installation was incomplete however the people installing said for them to be paid for their part I needed to sign both a form that said what was left and that they had done their part. This form was actually an agreement to release the funds from the finance company. I disputed this.   Fensa came to inspect my property finding multiple errors (improper sealing) in addition to those I found (chipped and damaged beading, poor finish and damage to an internal door and blind). The company returned to fix the issues Fensa identified.    I compiled a very hefty report and sent to the window company complaints team with pictures showing the faults. They did apologise and have attempted to remedy some of the issue.   I asked for a price breakdown in December to check exactly what each item cost. This was done as I had agreed to have sills in addition to the windows and i received capping boards instead (i didnt need capping boards).   The price breakdown shows no indication of any saving made as promised by the h2b company. When i highlighted this to the window company they said what they had provided was all they were giving me. I complained again and was given an explanation stating that they gave me a different saving that was larger than would have been offered by the h2b company in the first place. This was not indicated to me at point of sale.   Being that it has been a year I am wondering if I should contact the financial ombudsman about this. I feel as though I have been miss old this product and the company has been dishonest and unhelpful.   Any advice would be great.
    • Hi everyone,    They started sending threats:   Wednesday:    We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.    Thursday :    It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    Friday 8:23am :   The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.    Friday 6:28pm:   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.        
    • Hi Guys, I would appreciate any advice you can give.   In mid September this year we went to a Caravan company to look at potential caravan purchases, we found one caravan that we liked it was a 2018 model,   however when talking to the salesman we expressed concern that the settee and the bed mattress seemed to be of very poor quality and lacked any real support. The settee and mattress also seemed older than the year of manufacture would suggest. The salesman assured us that the fittings were manufacture fitted and that was, 'Just how they are'. He agreed to look into the matter for us.   As a result we paid a £1,000 deposit on our debit card, the salesman asked us to sign a contract for sale regarding the caravan informing us it was 'a receipt for the money we paid'.   We were due to collect the caravan this week, however, during the period from signing the contract we felt that we were being mislead about the furnishings previously mentioned so we carried out some research.   I sent the photographs to the manufacturer and asked them if they were the original fittings supplied by them, they responded that the settee and mattresses shown in the photographs (Taken from the online sales pictures from the sellers website) were never fitted to that caravan and had never been supplied by the manufacturer. I also downloaded the brochure from the manufacturer that showed the settee and bed mattresses that were fitted to the year and model of the caravan we had paid a deposit on, were nothing like the ones currently fitted.   somebody has taken out the superior Settee and bed mattresses and replaced them with cheaper inferior quality ones which seriously devalued the caravan, notwithstanding reducing the comfort and quality of the caravan. He insisted that the photographs (taken from their website) were the correct fittings for that caravan.   On Sunday 20th October, I sent the caravan sales company a letter stating that we were rejecting the caravan and that we had been mislead as to the quality and provenance of the fittings, that we no longer had any trust in the sales company and under the Consumer Rights Act requesting the return of our deposit.   We received a response the next day that stated, they accept the cancelling of the contract however, they are retaining our deposit against the purchase of another caravan from them.   I think it is a given, that we would never darken their doorstep again let alone purchase anything from them. I would add that all our concerns and the company's responses have been via email, so we have an audit trail of what has gone on.   I have considered chargeback, as we paid on a Visa debit card (I know should have used a credit card) and I am aware that we have 120 days to try and implement this.   I'm looking for advice as to what to write to the company to start with, i.e. Letter of complaint (They have no complaints policy or procedure in their T&C, they are also not signed up to the Dispute Resolution Ombudsman Scheme) or a, Letter before Claim, or do I involve Trading Standards.   Any advice from the wise members of this group would be greatly appreciated.   
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Cabot Financial again!!!


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Happy new year to you all,

 

Having some problems from Carbot, they are chasing a debt that i am saying is statute-barred as i have not heard anything from the creditor during the relevant limitation period of 6 years.

 

 

Recieved a letter this morning that reads as follows.

 

You've stated that your outstanding balance is statute-barred because the course of action in this matter began more than six years ago.

The debt was last acknowledged by payment of £75 on the 2 October 2002.

 

Therefore our right to recover the outstanding balance on this account is not statute-barred and we can take action through the courts to recover the outstanding balance, including all interest accrued since 27/3/03.

 

Now i am sure October 2002 as over 6 years ago, hence why i am saying the debt is staute-barred. Am i missing something here, if so any advice would be appreciated.

 

Mark

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Dear Crabot,

 

Thank you for acknowledging that any payment to this debt was over 7 years ago. Please hand this letter to someone with a brain or a calculator or both. Now go away and do not bother me anymore.

 

:D

The Grand essentials of happiness are: something to do, something to love, and something to hope for.

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Happy new year to you all,

 

Having some problems from Carbot, they are chasing a debt that i am saying is statute-barred as i have not heard anything from the creditor during the relevant limitation period of 6 years.

 

 

Recieved a letter this morning that reads as follows.

 

You've stated that your outstanding balance is statute-barred because the course of action in this matter began more than six years ago.

The debt was last acknowledged by payment of £75 on the 2 October 2002.

 

Therefore our right to recover the outstanding balance on this account is not statute-barred and we can take action through the courts to recover the outstanding balance, including all interest accrued since 27/3/03.

 

Now i am sure October 2002 as over 6 years ago, hence why i am saying the debt is staute-barred. Am i missing something here, if so any advice would be appreciated.

 

Mark

 

 

Dear Cabot, tahnk you for your letter dated xx/xx/xx the contents have been noted.

 

I am most grateful that you have confirmed that the last acknowledgement of the debt was In October 2002, and that you have confirmed that this account is in fact Statute Barred and as such completely unenforceable.

 

I trust this resolves any business you may feel you have with me and would take this opportunity to advise you that now that we have fully established the status of this account, any further demands from yourselves will result in complaints being levied with OFT, Trading Standards and FSA.

 

Yours etc..... (add lots of kisses)

 

Obviously keep this letter VERY safe, it's a doozy, you might wish to include a copy of it with your reply and of course obtain prrof of posting/delivery

 

Great stuff

Hope this helps

 

 

If you feel that this site has helped you in any way please leave a donation if you can afford to do so.

 

If you feel that have been helpful please feel free to tip the scales.

 

 

The large print giveth, but the small print taketh away. ~Tom Waits, Small Change

 

 

Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

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You've got to give them full marks for trying it on though lol :D

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Oh dear... lets hope nobody brought them a calculator for xmas... :-D :-D

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Yeah i have just sent off the letter (recorded delivery) to Cabot, and have also emailed them the same letter, so they know what they are getting. Might even throw in an abacus or calculator so they can get the sums right. As for the CSA, am in the process of reporting them, slap on the wrist for Cabot i hope!!!

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I'm sure your letter will do the trick, but it's always worth mentioning that you won't be paying, since the OFT Guidance allows DCAs to pursue statute-barred debt until they are made aware that no funds will be forthcoming.

 

Their untrue and misleading statement that they can enforce through the courts is disgraceful, and should be the subject of a complaint - I'd put money on them claiming an 'admin error' though.

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Crapbot's exscuse for anything would be "ooh, it's an admin error" :p

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Save yourself a bit of time and send an email to Ken Maynard at Cabot, carefully explain that 2 (2002) + 6 (statue of limitations) = 8 (2008)

 

Therefore, by Cabots own admission the debt is statue-barred.

 

P.S also wish him a Happy 2010 from the CFC ;)

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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How do i go about making a complaint and to who, as a newbie on here i have no idea where to go, or how to put in the complaint.

 

Post 7 in this thread ;)

 
 

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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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.

 

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Just received a reply from crapbot today which reads as follows.

 

We confirm that this account is not statute barred due to previous information received regarding a bankruptcy order ref VA***** dated 10 November 2003.

 

In order to investigate this matter further we require a sight of the bankruptcy papers.

 

As i have never been made bankrupt, or have no idea what or where these so called papers are, how do i reply to these ****.

 

Thanks in advance

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If you'd been made BR suerly they can't chase the alleged account :rolleyes:

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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If you'd been made BR suerly they can't chase the alleged account :rolleyes:

 

Unless it was outside of the BR.

 

Personally I'd reply stating you will not be providing them with anything, its not your responsibility but you will however be forwarding their letters to the OFT.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Just received a reply from crapbot today which reads as follows.

 

We confirm that this account is not statute barred due to previous information received regarding a bankruptcy order ref VA***** dated 10 November 2003.

 

In order to investigate this matter further we require a sight of the bankruptcy papers.

 

As i have never been made bankrupt, or have no idea what or where these so called papers are, how do i reply to these ****.

 

Thanks in advance

NOvember 2003 + 6yrs = Statute barred, with or without a BR this debt is dead inn the water, tell them very simply to Foxtrot Oscar and report them to all and sundry, you have told them where you stand, they have lied, either in the first letter or the second, (only one of them can be a mistake) either way they have lied and should now be punished

Hope this helps

 

 

If you feel that this site has helped you in any way please leave a donation if you can afford to do so.

 

If you feel that have been helpful please feel free to tip the scales.

 

 

The large print giveth, but the small print taketh away. ~Tom Waits, Small Change

 

 

Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

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Recieved a letter from Crapbot today....

 

We apologise for the previously incorrect information regarding bankruptcy on this account.

 

We now acknowledge that your account is statute barred and so governed by the limitation act 1980. Under the OFT guindelines it is accepted that legally the debt still exists but that collections must in no way be contrary to section 40(1) of the Administration of Justice Act 1970.

 

Whilst we don't consider our actions to have breached any law or regulatory guideline, your account has been withdrawn from our regular collections process.

 

Now that was to easy, was expecting more of a fight with them, but they seem to finally realise that the last payment was in 2002 and as its now 2010, more than 6 years has passed. Maybe someone found a calculator.

Just want to say thanks to all who posted and helped me out with Crapbot, and keep up the good work.

 

M

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YAY!!! Congratulations, keep that letter VERY safe :D

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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hey, im also having problems with a debt that is well over 6 years old, any help on what do to next would be very much appreciated.. i recieved a letter from rockwell dca, acting on behalf of tessera portfolio mgment., this letter stated i owe them a large amount of money, this was a loan owed to intelligent finance, iv since sent them a letter stating its statute barred, to which they replied i made a payment on jan 1st 2005, i have no knowledge of this payment what so ever, and asked them in another letter to prove this and again stated i belive this debt to be statute barred, they have now sent me a copy of a statement listing all payments on this account which could of been printed on any standard pc.. and this payment is for £1 on jan 18th 2005, i have never made a £1 payment to anyone in my life, plus they have given 2 different dates for this payment, what would be my next move concerning this issue,,any help much appreciated...thanks...

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was it a DD? if so you would have to sign one. £1 what an odd amount, when was your last payment before this and was it for more than a pound? i reckon they're at IT! just keep asking for proof and remember never give them your signature as im sure they will put it to a constructive use. Keep this account in dispute that way that cant do scooby!

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