Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

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

woolwich Credit card debt. Cabot type of debt disputed


desktop
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2310 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Not if you click your username

Start a thread in the named bank forum

Off the top main forum tab

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... 

Link to post
Share on other sites

  • Replies 51
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Sent a prove it letter to Cabot today Re their claim that my debt is a current account.

 

Have since found letter from the Woolwich dated March 2003 giving notice of assignment of the debt to Equifax ltd.

 

The description they use is ' Your Woolwich plc Personal Loan account'.

 

No mention of a current account.

 

Can this letter help or hinder my case?

Link to post
Share on other sites

Relevant posts moved

 

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... 

Link to post
Share on other sites

I don't know about equidebt they had a pdl of mine. Certainly not SB but they didn't get anything off me.

 

Same here. Had it only a couple of months after it defaulted, but was ignored and went away equally speedily!

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

DONATE HERE

 

If I have been helpful in any way - please feel free to click on the STAR to the left!

 

Link to post
Share on other sites

  • 1 year later...

that's not a reason to restart blindly paying them.

 

just because a debt management co conned you into paying them thru their rip off plan.

 

 

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... 

Link to post
Share on other sites

I was paying £1 monthly through my debt management company, when they ceased trading I stopped paying & sent Cabot a CAA request in Oct 2015. They returned my £1 stating that there is no need to provide a copy of the credit card agreement as it does not apply To a current account.

 

Have since found letter from the Woolwich dated March 2003 giving notice of assignment of the debt to Equifax ltd. The description they use is ' Your Woolwich plc 'Personal Loan account' No mention of a current account.

The debt was then sold on to Cabot at a later date & the description of the debt changed to 'Current account'.

 

I have never had a current account with the Woolwich. I did have a personal loan with the Woolwich though.

Are personal loans covered by the CAA & should I resubmit My request for a CAA to Cabot with a copy of the Woolwich letter of assignment to Equifax dated 2003 stating 'personal loan account'

 

Your advice would be much appreciated

Link to post
Share on other sites

id stop comms they don't know what they are doing and will soon find out if they start a claim.

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... 

Link to post
Share on other sites

Yes personal loans are covered by the CCA1974...section 77.

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

What are your thoughts on the best course of action Andy

 

I have not had chance to read your thread in its entirety Desktop....I will get back to you once I have had chance.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

Bottom line is you got conned by their mate that runs that DMP company that took money for fees too

 

Ignore then now

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... 

Link to post
Share on other sites

Hi Desktop,

 

From what you've said, you sent a CCA request which is perfectly appropriate for a Loan Account, and the lender has failed to provide an appropriate response.

 

Therefore they're in breach of CCA 1974 and cannot make demands until they remedy that breach and supply the necessary documents.

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Thanks for that.

 

What I don't want is for Cabot to make a claim against me which could end up as a CCJ.

 

I think I might submit a new CCA request notifying them that they are in breach of CCA 1974 for failing in the first instance to supply necessary documents.

 

The account number they use is correct but their description of current account is incorrect as it was originally a loan account.

 

Do you think that I should enlighten them or keep Quiet?

 

Also is their anything else I should add to the request?

 

Thanks

Link to post
Share on other sites

If you have already requested a copy of the agreement using section 77 and they are in default...do not send another...and its irrelevant what they wish to call the the debt and what type of debt....they do not know what they bought at discount hidden amongst 1000s of other defunct debts.

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

Yes I did request a copy of the agreement in sept 2015.

 

they replied (see letter) also returning my cheque for £1.

 

I did send a prove it letter to which they responded with still under investigation letters x3.

The last letter saying I am liable for the account.

 

I would appreciate some help with the wording of the letter I intend to send them regarding their default situation

Scan0005.pdf

Link to post
Share on other sites

no

you don't enter into pointless letter tennis

as you seem to have already

 

 

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... 

Link to post
Share on other sites

Thats fine .....leave at that ...if they ever wish to issue a court claim...they are in default...its not your problem they think its a current account when in facts its a personal loan..but they will know if you ever have to submit a defence...retain that letter safe for future reference.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

Hi Desktop,

 

That's your best option for now ...............

 

:-)

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 10 months later...

Hope everyone had a nice christmas,

 

Just before christmas I received the attached letter from Cabot. (Great timing)

 

As advised by forum members I have ignored all previous letters from them,

the latest one says that unless I contact them within 14 days they might pass my account on to an external debt collection company ?????.

 

Should I be worried about this or should I just ignore it.

 

Any advice appreciated

 

Many thanks

Desktop

Scan0007.pdf

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...