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    • 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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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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CCA leading to CCJ?

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Hello All,


I have been reading some threads and it appears that I may be being 'cash cowed' as you term it.


I have a variety of creditors in which many have been passed to DCA's I think 5 now with Cabot/Merlin.


I do not have any CCJs but do have defaults - I have been in this position since 2007/8.


My worry is, that if I do apply for CCAs and I stop the agreed payments as per the advice I see, if the time for them to produce a CCA lapses - will this result in CCJs being issued.


Also if Cabot has CCAs for some but not all the debts they have brought how would this pan out?


Additionally if the DCA cannot provide a CCA am I then in a position to have the default removed from my credit file?


Many thanks in advance

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They can't much in court without a compliant CCA. With Cabot its 99% certain its a bad debt and they rarely ever have the right paperwork

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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Thank you, Cabot seems to have chased my debts from others. Most if not all of credit is 2007 or previous and is a mix of credit card and loans.


Is CCA the way ahead for me then?


If they do not provide a CCA am I in a position to remove from credit file. Does the debt just go away?

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HI there


Your first step is information.


1) CCA Cabot for every debt

2) Full Subject Access Request to every original creditor.




When the results come back.

Look for PPI, Unlawful credit card charges, packaged bank account fees and other reclaimable s.


CCJs will be applied for regardless of if they know where you live or not. So there is nothing to worry abotu in making the above requests.


List the following for every debt.


A) Original Creditor

B) Who owns the debt now? Eg Cabot?

C) Rough amount

D) When account was taken out

E) Is there a CCJ on the debt.

F) Type of account : Overdraft, Utility, Credit card, Loan, IOU note shaved onto the side of a sheep?


Check your credit report, NODDLE offer a free service, to make sure there are no other skeletons :D



The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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CCA will check if they have a compliant agreement


SAR will provide everything else so you can see if there were any reclaimable charges, PPI, find when last payments were made etc.



The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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CCA to the people you are paying

SAR to the original creditors.



only ONE sar is needed per 'bank'

i'e if you have a loan & a card with the same bank

only ONE SAR is needed.



pers I'd get the CCA request

done for each debt.



worry about the sar's later.



lets get the monkeys off you back first




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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