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    • Good afternoon,    I am writing in reference to the retail dispute number ****, between myself and Newton Autos concerning the sale of a Toyota Avensis which has been found to have serious mechanical faults.    As explained previously the car was found to be faulty just six days after purchase. The car had numerous fault codes that appeared on the dash board and went into limp mode. This required assistance from the AA and this evidence has already been provided. The car continues to exhibit these faults and has been diagnosed as having faults with the fuel injectors which will require major mechanical investigation and repairs.    Newton Autos did not make me aware of any faults upon purchase of the vehicle and sold it as being in good condition.    Newton Autos have also refused to honour their responsibilities under The Consumer Rights Act 2015 which requires them to refund the customer if the goods are found to be faulty and not fit for purpose within 30 days of purchase.    Newton Autos also refused to accept my rejection of the vehicle and refused to refund the car and accept the return of the vehicle.    It is clear to me that the car is not fit for purpose as these mechanical faults occurred so soon after purchase and have been shown to be present by both the AA and an independent mechanic.   Kind regards
    • Commercial Landlords are legally allowed to sue for early cancellation of the lease. You can only surrender your lease if your landlord agrees to your doing so. They are under no obligation even to consider your request and are entitled to refuse. You cannot use this as an excuse not to pay your rent. Your landlord is most likely to agree to your surrendering the lease if they want the property back in order to redevelop it, or if they wants to rent it to what they regards as a better tenant or at a higher rent. There are two types of surrender: Express surrender in writing. This is a written document which sets out the terms of the surrender. Implied surrender by conduct. (applies to your position) You can move out of the property you leased, simply hand your keys back and the lease will come to an end, but only if the landlord agrees to accept your surrender. Many tenants have thought they can simply post the keys through the landlord's letter box and the lease is ended. This is not true and without a document from the landlord, not only do you not know if the landlord has accepted the surrender, you also do not know on what basis they have accepted and could find they sue you for rent arrears, service charge arrears, damage to the property and compensation for your attempt to leave the property without the landlord's agreement. Unless you are absolutely certain that the landlord is agreeable to your departure, you should not attempt to imply a surrender by relying on your and the landlord's conduct.  
    • I had to deal with these last year worst DCA I have ever dealt with. Just wait for the constant threats of CCJ and how you'll lose in court and how they won't do mediation and they want the judge to question you with a load of "BIG" words to boot with the letter. My case was struck out in the end, stupidity on their part as I admitted to owing the debt in the end going through the court process was just a formality as they wouldn't let it drop despite me admitting the debt regardless. They didn't send the last part of the court paper work in so it ended up being struck out     .
    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
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Court papers received-Cabot/shoo smiths/vanquis


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The paticulars you wrote first appear in the same order as the do on my claim form.

 

The second lot you kindly typed up for me are in a different order, does this matter?

 

Or have you done this in order to help my defence be better read by the claimant?

 

Sorry for sounding awfully stupid

 

but like I said before I'm really struggling with this

 

but I do appreciate your help

 

i don't want to come across as ungrateful

 

thank you so much

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hey no worries

 

 

if they have numbered their particulars

 

 

go with their numbers .

 

 

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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  • 3 weeks later...

Good evening

 

Just wondering if I could get some more help with this?

 

 

Today I received from Cabot terms and agreement of the credit card along with a piece of paper which is apparently my online agreement printed off their computers.

 

I also got a letter from Cabot saying they have now cookies with my request and to contact them within 14 days to make payment.

 

The letter also says that to is a reconstituted true copy of the agreement. What does this mean?

 

Application date was 10/11/2006

 

Just to add

 

I also received a statement of account just giving the total that they claim for nothing about how this total is made up as original limit on card was quite a bit lower

 

Any help gratefully received

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you've filed your defence

the next move is theirs if they want to pay and continue

 

can you scan up what they have sent you please

 

redact it, put it all in a multipage word doc

then PDF that and upload

 

and read

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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is that a date of 12/2009 I see on the T&C's???

 

 

can t be right for a card signed up for in dec 2006?/

 

 

and you details are nowhere on the T&C's either

which they should be

 

 

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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is that a date of 12/2009 I see on the T&C's???

 

 

can t be right for a card signed up for in dec 2006?/

 

 

and you details are nowhere on the T&C's either

which they should be

 

 

dx

 

 

I can see a date of September 2006 am I missing something any help on what part please?

 

And do my details have to be on these even tho it's a internet application

 

Thankyou

 

Found it!! 12/09 bottom right hand of column.

 

What's my next move do I wait for a court date now or do I contact Cabot?

 

Thankyou so much for pointing that out!

 

Charges are different too for cash withdrawals. I think they have sent me two lots of agreements here. One for 2009 and one for 2006 but could they argue the point that I have now received 2006?

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They are required to sent the agreement and t&c,s for the time of birth and any major changes

 

Can you put them into sets and upload them please

They appear jumbled?

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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you scans are huge!

one page should be about 300kb not 4Mb.

 

 

bother reduced and reloaded.

 

 

now

neither of those have any ref to you on them.

they could have some from a download from here or anywhere.

 

 

just like they do with cap1 T&C's.

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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So sorry about the size I have no clue when it comes to scanning and file size etc....in not very skilled when it comes to computers.

 

The letter they sent did say it's a reconstituted agreement, does that mean that it is just a copy of what it has been?

 

I recall reading somewhere on here that these where allowed for online agreements? Am I mistaken?

 

What would you recommend my next step should be? Should I write to Cabot and demand the actual terms?

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if they are claiming its a recon

this is not on really

 

 

for an online agreement of dec 2006 they should be able to come up with the correct docs

and not need to rely on a recon.

 

 

I'd let it run.

 

 

if they were confident they were enforceable they issue proceedings and pay the court fee

they haven't..that speaks volumes.

 

 

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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They have issues court proceedings? I have issued a defence as further up in this thread or do you mean taking it further thru the court system?

 

Should I just pay it if a recon agreement is allowed?

 

The amount claimed is significantly larger than the starting limit because of charges tho ao should I try and get reduced on this basis...fees on fees?

 

Thanks so much for your help

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confused

 

 

have you read post 39?

 

 

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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Share on other sites

Yes you said if they were confident they would issue court proceedings.

 

They have already issued these, at least that's what I presume you mean proceedings being the court claim I received at beginning of this thread.

 

I issued a defence and now the ball remains in their court.

 

They have taken no furthar action as of yet since receiving my defence.

 

I understand that they should really have a original copy of my agreement but they have just provided me a recon.

 

If they do proceed furthar as my defence was based on no paperwork I presume this recon agreement will satisfy the judge?

 

My question being so I just give up or give it time to see what happens and what they decide to do with the claim?

 

sorry if I appear dim, user name matches me somewhat

 

Thankyou

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they have issued a speculative claim

hoping as all DCA's do for a non contested default judgement

you've defended

 

 

they have not, to date, proceeded the claim further forward.

 

 

I doubt a judge would accept a recon with T&C's that don't show your details at all

 

 

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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  • 2 months later...

good afternoon all

 

 

so the above case appears to be on hold from shoosmiths/cabots side.

 

 

I filled my defence months ago and received a letter on the 9th july saying shoosmiths had passed it back to cabot for them to make a decision on how to proceed.

 

 

how long can they mess about and do whatever it is they will be doing before informing me of what they plan on doing? is there no time frame they have to stick to in persuing this matter?

 

 

thanks

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Nopevclaim is stayed

Their next move

As explained before

Can be that way for years

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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