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    • Welcome to the forum. You've posted your story in a very solid block of text and this makes it very difficult to read – especially for people with small screens. Apart from anything else, this will have the effect of discouraging people from taking the time to understand your story and to give you the help you need. Please will you repost your story properly spaced and punctuated. Thank you
    • not sure about 8, cpr is not compulsory to reply within 7 days cpr is a request, p'haps might be better to refer to the CCA request ...which you seem to have totally omitted..   I have had ****** Loans in the past - i would stick to financial dealings, this i nothing to do with loans.   generally it needs fluffing out a bit, a WS should not simple be a page pulled from a diary.   dx  
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    • Hello   I wonder if someone might be able to clarify a problem for me.   I have an old problem raise its head again with cabot finance.   There were 2 bank debts that occurred at the same time that I was unaware off. My Ex wife continued to use a bank account and 2 the debts occurred.   I successfully defended a claim from cabot via MCOL regarding a SB debt 6 years ago. This debt had no previous recovery action on it and therefore SB defence was successful.   It looks like of their parent/sister company (Mortimer Clarke) company issued a CCJ for the other debt in 2011 but the court documents were sent to an address that I no longer lived at and had left 2 years previously so I was unaware of them until I checked my credit report and saw a CCJ on my file. The next time I checked back the CCJ was not showing. I did however manage to obtain a backdated report showing the CCJ recorded.   The CCJ is no longer on my file and no adverse information is showing.   I wrote to Cabot back in 2019 to say that I believed this debt to be statute barred and they wrote to say that as they had obtained a CCJ in 2011 that this was not the case.   The CCJ is no longer showing on my file and calculating that it would have dropped off around 2017 so is it in my interest to try and get this removed from old records? Is it a defence that the court proceedings were sent to an address that I had moved away from 2 years previously or would entering into any such action reignite the CCJ/debt.   I have looked at various comments on the Internet and from what I gather cabot may need to return and get permission to chase the debt ? Is this correct.   I no longer own any assets (other than a car) in the uk as  they are writing to my partners address as she still owns a property there.   Many thanks for reading my post, if anyone has any suggestions to point me in the right direction or confirm my thinking that they are just hoping that I will pay,it would be much appreciated.   do I just ignore them ?    Thanks Dave
    • Hi... well I was a idiot and got a log book loan from car cash point.... if only I knew how underhand and disgusting this company was I would never have done it.  They haven’t been very flexible considering it’s been a global pandemic and I’m a hairdresser so have been off 9 month more or less. So many things they have done must be illegal. They made a arrangement with me on the 20th December 2020 if I paid 300 and then my monthly 110 it would stop repossession, which I did, I had correspondence with them on the 11th say my full balance due on the 18th Feb was £1875.29 even though in earlier correspondence we had changed payment dates to 28th as that’s when I get paid . In the email on the 11th nothing is mentioned about a 3rd party or repossession. On 23rd Feb 2021 8”I get an alert through my insurance my car is moving, I’m in the house , nobody knocked nothing they took my car with all my possessions without the keys and didn’t let me know, if they had I would of been able to try get the funds. 2-3 days I have been arguing with them and the repossession company. They took my car over 40 mins away with my bankcard, shop keys everything in. I managed to borrow the 2000 pound as it had shot up to 2274.29 within days. I went to collect my vehicle yesterday which was another nightmare trying to tell me to wait another 24 hours which I wasn’t they had the money I wanted my car. On getting my vehicle on inspection they have damaged my car, it had a knock above the wheel arch I have proof of it before as I done it getting into work but they have took my paint work down to the metal.you can see it’s where they must of tied it to tow truck. I’m not letting this lie Everything they do is so corrupt me and my solicitor friend are going through everything with a fine tooth comb I’m going to ombudsman and I’ve also wrote to watchdog. I feel very strongly as this  company are nothing but criminals through legal loopholes. Has anyone had any similar experiences with this company and had damage to their vehicle? I think if enough people complain they will get investigated. I feel it was bully boy tactics as I said I would be able to pay hence the arrangement they made with me. 
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Introductory service from an agent on Rightmove


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Hi all

 

This is a bit of a strange one but hoping someone can give me some advice.

 

Last year we enquired about a property in Spain via Rightmove

the agency "introduced" us to a local agent in Spain.

They did nothing but forward our e-mail as far as I can tell.

 

 

During the purchase of the property the agency told us that a 3% fee was payable to the Rightmove agency.

I did think that was a bit steep for doing nothing but the deal was a good one on the property so we didn't say anything.

 

I transferred the 3% along with the rest of the money to my new Spanish bank account

and our agent and solicitor handled the purchase.

 

 

Long story short,

we ended up paying more tax than expected, and the funds for the 3% were used by the solicitor

I did not know this until afterwards when the Rightmove agency started chasing me for payment.

 

 

I queried it as I thought it had been paid then found out that actually it hadn't and was no longer available.

Of course I was annoyed neither the agent or the solicitor informed me of the change.

 

Another long story short,

the agent said the builders would give us the choice on the apartment and solarium we wanted

as we were the first to make an offer and it was a distressed property.

We told the agency what we wanted

 

 

fast forward several months we find out that actually,

due to the deeds we could never have had a different solarium

and therefore ended up with the right apartment but wrong solarium with no warning at all.

 

 

The agency told us complete nonsense, probably to secure our sale,

and simply didn't do their homework first on the property.

Of course we were livid and also very upset

 

 

end result is we owned the apartment and after discussing with our solicitor

they said there was no way to change anything.

The next thing is I get an email chasing the 3%

 

 

I felt that was outrageous given the huge mistake made by the company

that the Rightmove agency introduced us to so I've refused to pay it.

 

 

The Rightmove agency tell me that all they do is introduce and have nothing more to do with it,

so will take me to small claims.

I should point out I've never signed any contract with the Rightmove agency at all.

 

 

Personally I feel that for 3% (around £1200) I should get some value from the service they have provided

and if they are introducing surely they have some responsibility to ensure they are introducing us to competent professionals.

 

Am I mistaken, can they get away with this :|?

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If you haven't signed anything with rightmove you owe them nothing.

Make sure you haven't signed anything in the Spanish paperwork related to rightmove introductory fee.

Also look at the small print in the emails from them.

If nothing is there it only means that there was never any sort of agreement.

However as you knew about the 3% from the start, I assume that they communicated this to you and you agreed.

Remember that a confirmation email is as good as hard signature nowadays and a county court judge will probably see that as an agreement as good as signed in ink.

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Thanks for the reply!

 

Yes I think that's the problem as I did acknowledge the invoice by e-mail originally it is only since we've had complications with the purchase that I feel that paying them is unfair given they introduced me to this particular agency in Spain, and it is that introduction I am paying them good money for.

 

I thought this may be the case, very frustrating.

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Check if in the Spanish paperwork there's an insurance premium paid for shortfalls.

Years ago my friend bought a villa in Spain off plan but when it was built it was a 3 bedroom instead of 4.

There was insurance in place for this sort of things and he got some money back.

May be a standard Spanish thing, just guessing but worth checking

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I think it would help if you can ask rightmove to provide the set of T&Cs they say you agreed to, and post them here.

 

If you did agree to pay rightmove a 3% fee for making an introduction then I don't see how you can escape that, even if the introduction was rubbish, but you should check what you actually agreed to.

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