Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

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

Cabot chasing old RBS credit card 'debt'


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2477 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

yeah, probably working on 10th Jan 2017 for SB? don't want to appear an idiot, make a fool of myself and come home with a CCJ. Before that date my defence would be incorrect paperwork, so am gearing myself up now.

 

Thank you

Link to post
Share on other sites

  • 2 months later...
  • Replies 68
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi,

 

All has been quiet for a while and I am preparing for SB.

 

Rightly or wrongly in a moment of panic I replied to Cabot's correspondence advising

I believed the credit agreement was legally unenforceable,

the account was in an unresolved dispute with RBS before it was sold

and consequently I did not acknowledge any debt to their company.

 

I need to ask a silly question,

 

what defines "acknowledging" the debt?

 

Does the fact I have talked about it mean I have acknowledged it?

 

Though I have never admitted I owe the money.

 

Many Thanks

G

Link to post
Share on other sites

:frusty:

you didn't sign it did you ?

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

what part of never play letter tennis with a dca did you not follow...............

 

I suspect that if that got before a judge it would be classed as ackin the debt AND RESETTING THE CLOCK

 

id let it run

 

what ever head fit made you do such a stupid ting...

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

ok I get I'm stupid, but how telling them the debt was in dispute before it was sold and I do not acknowledge any debt to them admitting it? I am confused, Can I send the SB letter if they contact me again?

Link to post
Share on other sites

no you don't send any SB letters.

 

 

if they are stupid enough to file a claim form

the SB defence will kill it dead

but don't fire that arrow until needed.

 

you wrote about the debt

so are acknowledging there is a debt

regardless to if its in dispute or not.

 

as with all communication s with a DCA

you don't ever tell them anything they don't already know

that's their job to find it out

not yours to tell them.

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

next bloke next desk in a diff coloured skirt using the same printer

all designed to kid you it s going up a chain.

 

 

no such thing as a collection dept at a DCA any way.

just silly spoof names

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

  • 1 month later...

Happy New Year

 

One of my cards is now over 6 years and a month since last payment and I am ignoring all correspondence from Cabot. I was thinking of sending a CCA request when I feel cornered, would there be any point now in asking for a CCA for the Stat Barred one?

 

Many Thanks

Link to post
Share on other sites

statute barred is the end of it once you tell them, heard they have hounded somebody after 11 years statute barred, after court threat ran away as breaking all regs on the said subject, these dirty cretins need capping, the dirty trade allowed by dirty governments.

 

they use to have special hospitals for these type people but they let them out onto society hence lowering of standards in commerce,

 

other will respond no doubt to your question. bad day

 

seems the answer already given in a different post, read and digest

:mad2::-x:jaw::sad:
Link to post
Share on other sites

as post 57

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 agree with you, these "legalised crooks" shouldn't be allowed to become millionaires in this manner.

 

I am not telling them it's SB until I get the notice before claim form and I still need to buy time for my other one.

Link to post
Share on other sites

matters not if its enforceable CCA wise or not if you are claiming SB.

 

the thing to remember is that in England and wales

even if a debt is statute barred

all that does it prevents whomever owns the debt from enforcing any court judgement or threatening court action

 

the debt itself still exists and they can ask for payment

and you

can equally ask them to go away.

 

but best to simply ignore

or send the FCA CONC letter

 

but you never ever ignore a claimform.

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

  • 5 months later...

Hi,

it's been a while

 

I am now passed my sell by date (Statute Barred) including 1 month after last payment.

 

Can I relax now ?

Someone told me they can obtain a claim form and have 6 months to serve them.

 

I received a letter in May advising they would continue to pursue debt , but have not received letter before action.

Link to post
Share on other sites

Rubbish

As post 65

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

Cheers dx thought as much,

you work very hard ,

enjoy the nice weather.

 

Think I can handle it from here and I appreciate all your help and support from CAG.

 

It empowers us to stay strong and fight the them

 

Will donate!

 

Wine o clock time

 

All the best x

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...