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    • thank you. Under the Consumer Rights Act you are entitled to have a vehicle of satisfactory quality.   If a defect appears within the first 6 months of ownership which means that the car is not satisfactory then you are required to give the dealer a single opportunity to repair or else refund you.   So the question is what condition would a car of that make model, age and mileage and price be in.   I think the best way forward is to raise the issue with the dealer but also start to make your own researches as to whether the rust damage to this vehicle is beyond what would be expected of a vehicle of that character and in those circumstances.   When you have discovered. then come back here.   Additionally, you haven't told us the cost of the vehicle. that would be helpful to know because it will affect the quality of vehicle that you would reasonably expect.   Also I asked you the name of the dealer and you haven't told us. Are you trying to protect them?                
    • Thank you Slick132. I don't have in writing how long the actual works themselves would take but believe they said it was two weeks.   I spoke with CAB earlier today and they've said I can cancel this order as the company are already in breach of the terms, plus catching them out re the manufacturer's and the buildings regs she said to put in writing that I was cancelling and mention breach of consumer protection, unfair trading regulations and the fact that they are wilfully misleading me.   She said the credit card company will handle the refund as I hoped. I don't want them working for me in any way shape or form now.
    • Hi thanks for replying, The car was registered in 2009 ½, as I said a 59 plate. Mileage, when I got it it had circa 45K miles, it now has circa 72K miles. I have had it for 3 years almost to the month. I got it from a dealership in Loughborough, on the selling point that it was low mileage and was dealership serviced. Shortly after my return home to Southampton, I took it into my local dealership for a once over, part of which entailed one of their mechanics sitting with me while I drove around locally. I wanted them to take over looking after the car for me. Hope this helps?
    • just remember a DCA is NOT A BAILIFF and have ZERO   legal powers on any debt no matter what it's type.
    • Hi.   You've posted in the self-employment forum although as I understand it you can only be made redundant as an employee.   I've moved your thread to the Employment forum, people should be along to advise later.   HB
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      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
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Cabot/Apex - Who to put into Dispute?


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Hi everyone, this is quite a simple question:

 

Apex have bought my old debt from Goldfish and have contacted me demanding payment. I have sent them a request for the original CCA. I then received a letter acknowledging my request from Caboot Financial, who are owned by Apex. Caboot however have given me a new reference number and they have a different address. They have also returned my £1 postal order.

 

Should I send my letter to put my account in dispute to Apex or Caboot? It probably does not matter however I was thinking they do this for a reason...

 

Your answers are much appreciated,

 

Anthony

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tell us about the debt history please.

 

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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The debt, which I have not acknowledged, is around the £700 mark and was through a credit card owned by the Goldfish network. I stopped paying the payments around 4 years ago as I moved abroad. It would seem Apex/Cabot have purchased from Goldfish, their is no mention of assignment etc. in the letters.

 

As I am now back in the UK they have evidently tracked me to my current address.

 

Previous debts I have easily overcome simply by requesting the CCA and putting the account into dispute. I would rather see my credit rating go down than pay back the debt. Let me know if you need to know anything else.

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Who ever you requested the CCA off regardless of the who you had the reply from should get the failed letter.

 

IMO I'd ignore anything else, is it on your CRF?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yes it is. I shall reply to Apex, still seems strange that as soon as I request the CCA the next letter comes from Cabot, who have a different address, with no explanation.

 

Only by checking the net did I find out they were basically the same company...

 

So I have an Apex and a Cabot reference number regarding the same debt.

 

Seems very illogical, if it turns out to be a ploy on their part I shall post it on this forum.

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