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    • First of all it sounds as if your retailer is very decent and very responsible. This itself is unusual in these kinds of circumstances and I think we need to bear this in mind. The guarantee is not particularly relevant and in fact the dealer had a statutory duty to exercise a certain responsibility for your computer – probably for several years as their obligation under the consumer rights act. The dealer may not have known this and it simply acting out of a sense of moral responsibility and that is even more noteworthy. You've already suggested earlier that you didn't really want to cause problems for your retailer. I think that you will need the help of your retailer as well in order to get information and evidence. I suggest that you proceed against DPD – but before you do that – I suggest that you have a discussion with the retailer. Tell them that this is what you are going to be doing and you would like to have a copy of anything they have which relates to the special instructions which apparently your dealer has already informed you about in relation to where item should be left. Secondly, maybe you should tell your dealer about this site and also about this thread. I can imagine like many dealers who are frequently sending items by means of couriers, they have had things go missing. Tell them that we will be very happy to help them recover money for lost or damaged or stolen items – and that is regardless of whether or not they have purchased insurance. Apart from being very pleased to help your dealer recover items which have been lost by irresponsible parcel delivery companies, I think we need to encourage the complicity between you and them so they will be pleased to support you in your claim against DPD. It will be helpful if you can get a copy of the instructions that you have referred to above, and also if you can get some written evidence of your own instruction that your laptop should be left in a safe place. Have you done the reading on this sub- forum? You will need to do lots of reading of many of the similar stories on this sub- forum. They won't necessarily be against DPD but the principles will broadly be the same. Also read the pinned topics at the top of the sub- forum in order to understand many of the principles involved. Getting your money back but be quick – but your chances of success are better than 90% that you can bank on it taking anything up to a year. Have you got anything in writing from DPD either refusing you or telling you that they won't discuss with you?  
    • Thank you for telling us the text of the letter you had from the police. As we don't seem to have come across this before, it would be really useful for us to see the original please. HB
    • Pasco has recalled 104,000 packs of sliced bread after rat remains were found in at least two packs.View the full article
    • UPDATE I went rooting through an old box of paperwork I have and I've found the original Default Notice. It is dated **/**/201*, however.. The copy of the Default Notice that they sent with the LBC has a completely different date on it 😮 Can they issue 2 default notices for the same debt? Where they have changed the date on the copy, they have also changed the amount owed through failed payments and how much is required to be paid by a certain date. In addition, they sent (with the 1st LBC) a copy of the termination of the agreement, which I cannot find the original. However, the termination date is 3 days after the date given on the (doctored) Default Notice, by which monies are to be paid by. So, they gave until the 'x' date to pay the arrears, then terminated the agreement 3 days later. I bet a dollar to a dime they've doctored the termination date also.
    • Having looked through the paperwork, I note they have sent 3 seperate LBCs. Two are in the name of FCA Automotive (1st one issued 21 Jan 2020, 2nd one 21 Sept 2022) and the last one (issued 12 Sept 2023) is under CA Auto Finance UK Limited. In the first one, they did send a copy of the default notice, but this was not sent with the 2nd LBC and neither was it sent with the last one either. .  A quick look at the default notice and I see it states the agreement start date was not the same day as the original agreement was signed. It's a day different but do not know if that makes any difference. Also, I note we received a letter on the 16 Nov 2023 which states of a 14 day notice of intention to issue claim form. Heard nothing since that, until this court claim arrived. 
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    • 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.

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Cabot/Morgans claimform - 2 debts cap1 card + Barclaycard - *** Settled on F&FS ***


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Right, as nobody has responded to my last posting I will try again.

 

The situation is that I have filed my defence to say that I do not admit I owe Cabot anything and BOTH parties have sent Allocation Questionnaires..

Cabot has added that they will 'endeavour' to give advance notice of their evidence and have agreed that mediation may be considered appropriate. Here is the interesting bit: They have stated that 'there is no pre-action protocol in relation to debt calims .. although they do however endeavour to comply with the 'spirit of pre-action protocoals'.

 

Now in my own opinion - surely there ARE pre-action protocols relating to debt?. Cabot has failed to respond to my request to provide me copies of the agreements, notices of assignment and demands for payment under my CPR31.14 request made last November. I have written to the Court on this but they have also failed to respond to my letter.

If Cabot has failed to provide me with any evidence that they own these alleged debts, how then can they be in a position to continue with their claim. As I do not know Cabot from Adam these might well be fraudulent claims and without protocols surely this leaves the door open for anyone to claim any alleged debt from anyone they choose?.

 

Advice please guys and gals.

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Hi Heathrow

 

What Directions did you propose in your AQ?

 

Andy

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Sorry Andy unclear what you mean? I applied to have the hearing heard in my local court but both parties have asked for mediation. The Judge has ordered that both parties must either settle or write to the court requesting am estension of the stay period.

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  • 11 months later...

Cabot/morgan Claimform - old Cap1 Card Debt - Page 4 - Financial Legal Issues - Consumer Action Group

 

I have been reading through this thread and it is remarkably similar to my case with Morgans (please see the thread I started) that I thought was dead and buried.

 

A difference in my case is that Morgans have issued a POC for two separate accounts relating to two different credit card companies on the same POC.

 

Yesterday, out of the blue, I received a Notice of Allocation to Fast Track.

 

It seems a judge had looked at the case papers in the absense of either Morgans and myself.

 

What I cannot understand is how this has suddenly been re-opened when in March 2011 the court sent me an 'General Form of Judgement of Order' that states

 

' No party having informed the court of the outcome of settlement attempts, it is assumed that the case has been settled and unless any party informs the court to the contrary in writing by 26.4.11. the claim and any counterclaim will be struck out'

 

Since this order to 'strike out' the case I have had no communication with or any response to my requests from Morgans.

 

Can anyone advise please?

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Hi Heathrow you need to do some checking with the court whats going on.It was struck out not stayed or did they contact the court before 26th April 2011?

 

Regards

 

Andy

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Thanks Andy. I'll write to the court to enquire but as far as I was aware there has been no communication.

 

Can the action be stayed after it has been struck out?

 

Morgans seem to work by trying to confuse those they are up against by not providing any detailed POCs or by providing documentation that I thought they were required to under the Consumer Credit Act?

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Thanks Andy. I'll write to the court to enquire but as far as I was aware there has been no communication.

 

Can the action be stayed after it has been struck out? Yes within 7 /14 days

 

Morgans seem to work by trying to confuse those they are up against by not providing any detailed POCs or by providing documentation that I thought they were required to under the Consumer Credit Act?

 

You need to revive your thread Heathrow not to hijack Simons.

 

Andy

Edited by Andyorch

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Right, please excuse me being about green as to how threads operate. This is the original thread that I started about this case and since the last post and an order made by the court to 'strike out' there has, as far as I am aware, been no activity.

Then, yesterday, I received an order made in the absense of either party to say it had been referred to the Fast Track.

I have no written to the court with a copy of the 'strike out order' to enquire why this has suddenly been referred.

 

Can anyone offer any assistance please?

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Hi Heathrow

 

Ok do some research to find out whats gone who applied for what and why you are not aware or have been served with any applications.

 

Regards

 

Andy

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Thanks Andy.

I am hand-delivering a letter to this effect to the court tonight and will go in tomorrow and apply for a 'stay' on the order to delay the requirements of the order to transfer to the Fast Track to give me time to look into this and write to Morgans.

As this seems to be an expensive option (we are talking abot a claim for more than fifteen grand if both accounts are taken as one) is it worthwhile taking the Alternate Resolution route in your opinion?

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You might think so but I dion't have a great deal of confidence in District Judges. The one that made the order for the Fast Track Allocation was appointed in the spring of last year and is a family solicitor and a previous one I came up again was the former clerk at my former wife's solicitor's some years ago and he made a blunder by adjourning (and not striking out) a case I was involved in when the Claimant had already confirmed that they did not have CCA. I was advised by a judge who was a former client to write to the court quoting a reference in the Consumer Credit Act to say the judge had made an error.. After doin g this I've heard no more and that was about 3 years or so ago.

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I smell a rat here! In the post today came a reduced offer to settle in one envelope and in another an offer to use a mediation service that ... wait for it ... they recommend ... providing I agree to pay half the fees! I have still not been provided with any of the documentation that I requested from Morgan a year ago but they refer to copies of credit agreements and statements they CLAIM to have sent me a year ago to support their case but I have received nothing. They also refer to the recent order to transfer to The Fast Track so it seems they have reinstated this action without prior notification to me. I am surprised that any judge has allowed this to be resurrected?

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I would love to know how they reinstated it Heathrow have you requested a copy of the application notice/ court paperwork?

 

Andy

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Suggest you call the court and ask WTF is going on.
:lol:

We could do with some help from you.

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I can feel the stress mounting in me as it seems I am right back to square one with this case and Morgans have not provided me with anything at all to support their allegations. I do not know who they are from Adam ... only that they are the tame house lawyers for Cabot ... and as I have had no dealings with Cabot ... and certainly never had a Cabot account this might as well be anyone trying to claim a figure they have plucked from the air. Surely they need to prove ownership of any accounts they are alleging and by lumping two separate credit cards together is merely adding to the confusion. Any advice please before I go off my rocker?

It really is high time that the government brought in legislation to curb the devious tactics DCAs are using more especially as the courts do not seem to enforce the law and there usually seems to be the assumption from a judge that if an action has been brought against an individual then they must be guilty.

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Good thats the only way to attack this is to find out whats gone on behind your back. (whatever happened to file and serve)?????

 

Andy

We could do with some help from you.

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