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    • Hi,   A few pointers from yesterday to take note of evris cpr 27.9 failed again so we should really make issue of this also their WX fail to comply with CPR so again we should take issue with their statement of truth  you cant get tort if you get damages under subsection 7 of CRA because its double recovery  - not sure what we think of this? however its the first time i saw the judges make reference to your non automatic rights from s49 which s54 and 57 assist with. We should start stating this specifically for claims as I think its much better than just 49 and 57 as we need to make it clear where our non automatic rights come from as 54 automatic frankly dont help  I have sent the claim form and defences to the admin email because I can’t upload them for some reason as it wont let me but thought this may help as its the first time we’ve taken tort to trial. although i think the DDJ was honestly struggling to understand some parts of the law because he was asking me about them and how he should interpret them, especially for the automatic. Will apply for transcript if you want it?
    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
  • Our picks

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


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i am paying Cabot £19.80 a month on a barclays loan that i had and £2.00 a month on a barclays account they have been phoning every 3 months asking if i can pay more which i said no because i have been made redundant, then 2 weeks ago i got a call asked if i could pay more and saying it would take x-amount of years to pay my barclays loan off, i said no because im still not working also now im a full time carer for my blind wife now. They started asking about my income which i said i dont know the right figures at hand and i started guessing amounts then my mobile battery went dead. anyway afew days later they rang again and more or less said i had put the phone down on them and started to carry on where they had left off when my phone went dead. still asking amounts of income i said dont know and to send me a budget form, which i was told only 2% return to them which i said that aint my problem. She said i will give you a free phone number and ring them back later with the figures. i said NO send me form as im busy packing for a holiday which i was told was a holiday more important than paying off my debt at which point i put the phoned down on them. (The holiday was paid for by someone else as stated im a carer for my wife also i have 3 children with ADHD) anyway they sent me budget planner asking for income details. What i want to know is do i have to give them this info again as im already paying an agreed amount ?????????

SORRY FOR THE LONG POST BUT WANTED TO TRY AND GET ALL ONFO IN

cheers

 

mark

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No you don't have to and even if you sent it, it can only be accurate at the time you sent it. You would not have to justify the expenditure.

 

If they want to increase the payments, they could take you to court and then the court would set the payment at an amount you could reasonably afford.

 

My advice is to send them the information, with a covering letter explaining your full circumstances. Then if at any time they decided to go to court, you have evidence that you have fully cooperated in dealing with the debt. If they come back wanting an increase, just tell them to get lost, as they have no powers.

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Welcome to CAG.

 

There's no legal requirement for you to provide Cabot with your income and expenditure figures. Cabot can ask you for it, but you don't have to give them it. That's why the person at Cabot said only 2% of people ever return them.

 

As you've discovered there's no point in speaking to Cabot on the phone.

 

If you want to pay them, pay only what you decide you can afford. There's not much they can do about it other than complain.

 

You might also want to check that Cabot have all the correct paperwork to show they are entitled to collect this loan by sending off a CCA request. If they don't provide this paperwork within 12 +2 days you can put the account into dispute and withold payment until they comply . There's a CCA template letter in the forum templates section.

 

I'm sure other experienced posters will be along shortly to help you further.

  • Haha 1
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sorry i disagree with posting dca's or anyone bar a judge your personal financial details

 

none of their business.

 

get that CCA done and comeback.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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If Cabot don't have the proper paperwork to prove the debt exists and they have the right to collect then they cannot legally chase you for any amount. Sending them a cca reuest may well be the best quid you've spent this week. Make sure you send the letter by recorded delivery or they'll deny ever receiving it.

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Yes that is a good idea to make the CCA request. This is the CCA template from the library. Amend to suit the type of debt.

 

Letter requesting a copy of your agreement - It should be sent with a £1 postal order and sent recorded/guaranteed delivery - It should be sent to whoever OWNS the debt, the timescale for providing this is 12+2 WORKING DAYS. If it is not sent within this timescale they are in default of your request.

 

Please ammend paragragh 1 to suit. ie s77 Fixed sum credit such as loans, s78 Running account credit such as credit cards & catalogues and s79 Hire agreements.

 

 

Your Address

 

Date

 

Dear Sir/Madam

 

Re:− Account/Reference Number [edit]

 

This letter is a formal request pursuant to s.77(1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

(DELETE THIS BELOW IF YOU ARE SENDING THE LETTER TO THE ORIGNAL CREDITOR AS OPPOSED TO A DEBT COLLECTION AGENCY)

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

 

 

print your name

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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for £1....leave it blank

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ok cheers

oh also i have two addresses to send to cabot which one shud i use there is

cabot financial (europe) LTD

1 kings hill

or there is

cabot financial (europe) LTD

po box 241

which i got of the web http://www.cabotfinancial.co.uk/contact_details.htm

many thanks

Edited by imthedaddy1971
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  • 2 weeks later...

Rite here is the update had a letter this morning from cabot this is what they said

 

Dear [edit]

Your request for information under consumer credit act 1974

Thank you for your requests for information under the consumer credit act 1974. Cabot Finacial currently does not have this information on file. However, we have requested the relevent information under section 77 and/or 78 of the consumer credit act 1974 from the original lenders.

Please be advised, we do not accept the statutory fee required under section 77 and/or 78 of thr consumer credit act 1974 and we have returned the fee for £1.00 that you have sent.

 

what happens next?

We anticipate that we will be able to provide this information within 12 days. In the event we are unlikely to obtain this information within those time limits, we will write to you again.

 

Contacting cabot

If you have any queries about your accounts, please call one of our customer advisors on [edit]

So is it just a case of waiting to see what happens or are they talking cabot cr*p :-)

 

cheers

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Dont worry, they are just saying that they dont have the CCA, they have returned your £1 postal order because they are not going to be the adminstrators locating the CCA. They normally forward it to the original creditor with the request for the CCA so they are being a bit pedantic about it.

 

Isnt it funny tho, they were bullying you into giving them I&E information and questioned your right to go on a holiday yet you ask for proof of the alleged debt and they become quite concilliatory.:whoo:

Edited by MONX
re-read original post...doh! info provided was for overdraft not loan.

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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hehe

nice one

cabot cabotted again

 

well done cag

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just wait out your 12 + 2 working days and then send in the in-dispute letter.

You are then entitled to with-hold further payments until they come up with a enforceable agreement.

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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up the top of this thread in the dca section of the library

 

before you started paying cabot how long was the A/C dormant from YOUR financial in/out's?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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its the bottom blue link in my thread

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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