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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Whyisitthis
      B&Q I’m now a shoplifter?

      By Whyisitthis · Posted

      Hello, firstly thank you for reading this. I know no one wants a long winded back story. So I’ll be breif. I entered a local store to buy some paint (which I did pay for) I am honestly not a bad person or a theif.   Didn’t have a basket or trolly as was on my lunch break. Whilst picking up the three tubs of paint placed some masking tape in my pocket (it was hanging out of so I had every intention to pay) just didn’t have a hand free. Paid for my goods (forgot about the £4.39 masking tape) I’ve got so much going on and im not well at all (like I say no one cares I get that) also have autism so wasn’t thinking particularly like others do maybe (who knows my minds going around and around) I left the store after paying, was pulled back in by security. Asked for the tape which I gave immediately  shook up. Gave them my ID and details. I was given some paper and told to expect a large fine in the post for their time and the tape and sent on my way. my questions are: I hardly ever go out without support so the ban I guess I can’t go there now for anything (their loss) - ok but is my photo going to be all over with my name? how much am I expecting in the post as a fine? I have sent them cash in the post recorded signed for delivery to arrive tomorrow (incident happened today) for my error. Their Address was on the bit of paper. i have read two posts on this page but they were from many many years ago so I hoped for updated advise please? 
    • dx100uk
      Big Motoring World Leeds

      By dx100uk · Posted

      V important you read lots of BMW threads too !  
    • axil23
      Wrong settlement quote given on PCP.

      By axil23 · Posted

      So should I send them a new SAR and put my date of birth on it? Or do I need to send them some proof? Driving license? 
    • PhoenixCab
      Big Motoring World Leeds

      By PhoenixCab · Posted

      Thanks so much for your help!! I've emailed them, and when they reply saying they can't do it I'll reply and state my rights. I'm so glad I found this forum, and will read all of the posts I can find and help guides available for the future. Really can't thank you enough.
    • dx100uk
      Big Motoring World Leeds

      By dx100uk · Posted

      utter BS, doesn't matter you signed it. pers i'd be writing as per the other threads here rejecting the car as not as described under CRA etc and be done with it. as its a debit card you could also do a full chargeback within 120 days to your bank and simply dump the car back to BMW. 100's of like threads to read here. get your ducks inline. make sure you know what you are doing and off you go. dont take any BS from BMW, no matter what you sign it does NOT remove your consumer rights. p'haps it might be on the off chance you are a good manager , a quick phonecall tomorrow saying you dont want it because (no bla bla fitted) it might be resolved in 5 mins..i will guess to date you not tried

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Sainsburys Loan Sold to Cabot

Scared2710
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Scared2710

Scared2710

Posted
Posted

Hi

 

I'm desperately seeking help please.

 

 

Ex wife and me took out a loan with Sainsburys Bank in 2008.

It was for her failed business but as she was self employed and I had a good credit rating,

we took it out in joint names.

 

 

We divorced in 2011 and she was supposed to carry on making the payments as she had the better income.

 

Defaulted in Jan 2012 and nothing has been paid since then.

 

 

Was disputed formally in December 2012 by me - wrote to Westcot who said they would provide agreement and never did

(I have that letter - their account was placed on hold until the agreement was sent and they never sent it).

 

Fast forward 4 years - October 2016.

I received a letter from Sainsburys advising they had sold loan to Cabot.

Also received a letter from Cabot asking me to make contact with them.

 

 

Wrote back to Cabot advising loan was in dispute and they have provided a v poor copy of agreement (photocopy of photocopy) and historic statement of account.

 

Both Sainsburys and Cabot have now written to me to say they think agreement is enforceable and Cabot have just sent me a further letter asking me to call them.

 

Ex wife has just buried her head in the sand and although she is the one with money, she is ignoring all this.

 

 

I work for a bank so have never had problems like this before.

What should I do now?

My credit file just shows one default to Cabot dated Jan 2012

 

Any advice would be great

 

Thank you so much

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dx100uk

dx100uk

Posted
Posted

if it was enforceable then i'd guess Sainsbury wouldn't have sold it on.

 

it will vanish from your credit file on the defaults 6th birthday.

 

but that doesn't mean the debt is not owed.

 

when was the last payment?

and when did you CCA and whom?

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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dx100uk

dx100uk

Posted
Posted

CCA request to cabot

 

 

so jan 18 its statute barred

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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dx100uk

dx100uk

Posted
Posted

that's why I said CCA request to 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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renegadeimp

renegadeimp

Posted
Posted

If cabot own the debt, then its 99.99% unenforceable. They dont deal in legit debts. Do the homework.

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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Scared2710

Scared2710

Posted
  • Author
Posted
that's why I said CCA request to cabot

 

Hi. Thank you.

Sorry but what good would that do?

They have already sent me a bad copy of the agreement (copy of copy) and confirmed that they believe it to be enforceable.

 

 

I haven't had DOA, current terms and conditions or current statement.

I have also had no threat of legal action. I

'm sorry for stupid questions.

 

If cabot own the debt, then its 99.99% unenforceable. They dont deal in legit debts. Do the homework.

 

Thanks. So I should just ignore?

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dx100uk

dx100uk

Posted
Posted

you cca'd wetcloths 5yrs ago before sale

 

 

you need to put cabot in their place

 

 

CCA them, the debt has been sold to them

they'll know nowt about the history

 

 

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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Duffers Mum

Duffers Mum

Posted
Posted

I had an sainsburys credit card which was sold to Cabot, they kept saying it was enforceable, I argued it wasn't, it went to "solicitors" but never went to court, it's now statute barred, it was hard to not give in and pay them but advice from CAG was a great help...have you posted a copy of the agreement they sent? Have they supplied the correct T&C's? Every time I queried my cca with them they sent another set of t&c's totally different from the last...

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renegadeimp

renegadeimp

Posted
Posted

They have 12+2 working days to reply. They wont. Cabot dont enforce legit debts. They just buy up bad debts in bulk and harass people into paying.

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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dx100uk

dx100uk

Posted
Posted

has it been 12+2 working days yet?

but anyway

no CCA = NO PAY

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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dx100uk

dx100uk

Posted
Posted

which as the 'creditor' they must

 

 

and even if they fail the CCA

they'll still do so

doesn't mean anything.

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...
Scared2710

Scared2710

Posted
  • Author
Posted

Hi

 

Letter received from Cabot confirming receipt of CCA and that they don't have documents so have requested them and they should be able to reply within 40 days. Should I do anything now? Thanks as always

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dx100uk

dx100uk

Posted
Posted

yep ignore them

they have 12+2 working days

 

 

once passed if you were you can stop paying till they comply..

 

 

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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AndyOrch

AndyOrch

Posted
Posted

Your actually paying Cabot ? :wink:

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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renegadeimp

renegadeimp

Posted
Posted
Hi

 

Letter received from Cabot confirming receipt of CCA and that they don't have documents so have requested them and they should be able to reply within 40 days. Should I do anything now? Thanks as always

 

Keep ignoring. Youve called their bluff, and now theyre panicking. Dont pay them a single penny or even consider it.

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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