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

      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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 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
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cabot chasing 5 year RBS loan debt - debt no contact


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Thats why you need to read up on the ones that were successful.

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..

 

 

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  • 4 months later...

Hi just a quick update after ignoring cabots begging letters for 5 months theyve now passed it on to there solicitors ccs collect who have wrote to me asking to ring in 7 days is it still safe to ignore for now or should i send a cca request letter ? Would be very gratefull for any advice given

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Hi just a quick update after ignoring cabots begging letters for 5 months theyve now passed it on to there solicitors ccs collect who have wrote to me asking to ring in 7 days is it still safe to ignore for now or should i send a cca request letter ? Would be very gratefull for any advice given

 

You mean you have not already sent one?

 

Andy

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Hi andy no i have not sent a cca request letter to cabot yet cabot only contacted me last december after no contact for over 5 years about debt ,i was advised not not to reply unless letters changed they offered me a 20% discount 2 week ago then passed it on too there solicitors ccs collect who are no asking yet instead

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Hi andy no i have not sent a cca request letter to cabot yet cabot only contacted me last december after no contact for over 5 years about debt ,i was advised not not to reply unless letters changed they offered me a 20% discount 2 week ago then passed it on too there solicitors ccs collect who are no asking yet instead

 

ccs collect are not solicitors

simply another trading name for cabot

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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ccs collect are not solicitors

simply another trading name for cabot

 

I thought they were connected to Capquest and use HL Solicitors DX ?

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

 

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The only reason ive not sent a cca request yet is because it might be statute barred soon ive had no contact in 5 years maybe 6 no phone calls or letters or payments the default date was october 2016 its drops off my credit report this october ,my last loan payment was january 2010 but i also remember making a token payment off a pound 5 years ago just cant remember to which debt

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A CCA request has no effect on statute of limiatations

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

 

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I thought they were connected to Capquest and use HL Solicitors DX ?

 

 

ccscollect only chase debts - for a variety of clients

they are not debt buyers nor are they solicitors

other names used AEGIS,

BPO Collections,

Global Vantedge

 

 

just for info

per id not send anything

the debt is now statute barred anyway?

last pay was feb 2010?

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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Its either sb or theres no paperwork. Cabot rarely deal with enforceable debts. They usually just by a lot of junk then harass people into breakign down and paying. You already had a discount which proves its dead.

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

:D

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well go ring RBS and findout..

 

 

instead of worrying about it since december

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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  • 1 month later...

Hi Im going to send off a cca request tommorow cant risk a ccj turning up on my door, do i send it too ccs collect who are acting on behalf of cabot ive lost cabots letter so i dont have there details ,could somebody please send or link a good cca request template thanks for your help

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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

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Thanks shall i just send to the address cabot have on google i dont have any of there letters now with there address on ? My account refrence should be on ccs collect letter though

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did you ring RBS?

 

 

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 years later...

Long time since I replied I know but thought I'd tell everyone what happened etc,

I never sent a cca request I didn't risk it being so close too my credit being clear

 

I rang and offered them £1000 to for debt and to wipe the rest they did ,

I'm now bad debt free and full clear credit report

 

got the mortgage I wanted a few months later and now living in a nice big house stress free :)

Edited by dx100uk
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Why would you offer them anything. I bet you that the debt was wholly unenforceable and they laughed all the way to thr bank. They don't chase enforceable debts.

 

 

But saying that. You got the result you decided in and wanted. So congratulations.

 

Just make sure you keep a copy of the letter saying that the money is in full and final payment.

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

:D

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