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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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.
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      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 and old Aqua card debt - keep wanting me to increase payments now letter of claim


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I couldn’t find my old posts but after 3 months of letters, Cabot have sent me a letter saying they will definitely be going to the solicitor to start action for a CCJ.

My default is due to drop off in 6 months and I was reading on stepchange website that if they get a court order before the 6 year limitation ends then the debt won’t become statute barred.

I’ve had no choice but to put myself in a payment plan of £1.00 per month to stop that CCJ.

My questions are these:

once the default drops off, can any defaults be re-added?


They were sending me the same CCJ letters for 3 months, could they have obtained a court order without me knowing in that time ?

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I set it up yes but payment date is not until early January.

and no they did not reply to the CCA request.

Should  I re-request it ?

surely they must have a CCA if they want to get a CCJ against me 

I was afraid that if I didn’t offer something then they would get a court order against me and the debt will never go statute  barred.. once it goes SB I don’t have to worry anymore 

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  • 3 months later...


Cabot have now forwarded my account to their in-house solicitors Mortimer Clark and today I received paperwork saying potential action …

what I don’t know is how to find out when exactly I defaulted on the original creditor because when looking on my credit files…

It doesn’t show at all on Experian, default on one is showing as 30 June 2017 and other as 30 September 2017.

By the end of September 2023  the debt will be statute barred anyway.

what do I do about the solicitor letter?

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  • dx100uk changed the title to Cabot and old Aqua card debt - keep wanting me to increase payments now letter of claim

Ok I’m not going to lie. I’m slightly confused.

what reason would I give for disputing ?

I need to complete the pdf form in the thread and send that plus a CCA request to Cabot. 

and the same thing to the solicitor ? 

sorry got it...

I send a CCA request to Cabot with the fee

and I then send the completed form to the solicitor disputing ,  requesting more documentation 

Right ?

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For give me DX as I don’t have the intellect that you do.

if you could clarify for me…

send a cca request along with the completed form:

— what completed form exactly ? Do I send both Cabot AND the solicitor the same pdf form on the thread?-




USE ROYAL MAIL 1st class - get free proof of posting from any PO counter

 box D tick

I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.

box I tick

I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form]

what does it mean that CC is attached to this reply form?

And reason for what dispute I don’t know what to write there

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It is 30 days from the date of the letter right ?

it’s dated 24th march but I only received it yesterday. So it means I have 25 days now … I will do this and completely it and send it a week before the 30 day to allow time for posting 


Would it wise to send a CCA request to the original creditor too?


I know aqua sold it to Cabot but they might have something on file still ?

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  • 2 weeks later...

I didn’t pay anything since May 2022 according to their statement the solicitor send me, so I checked with the bank. 

Last payment was for £14.00 on 3rd May2022.

I did set up to pay £1.00 a month in December 2022 to start jan 2023,  but you told me to not be a cash cow so I didn’t make any payments hence now they’re pushing for a CCJ 

since the debt comes statue barred in June I’m hoping they don’t have the paperwork on them that would make it enforceable. 

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  • 2 weeks later...
  • 3 weeks later...
  • 3 weeks later...

today I received a letter from Mortimer Clark and not yet Cabot 

it says a bit about the debt- credit agreement entered Sep 2013, and terminated on 27th June 2017 and the bore agreement number xxxxxx

the debt was then assigned to Cabot.

Your dispute - 

we understand you are disputing stating the claimant has failed to previously ignored legal requests and failed to supply documentation.

Going forward-

we assure you that we will be conducting a thorough investigation into your concerns which may include contacting the original lender to obtain further information and liaising with other departments. 

in the meantime your account will be placed on hold.

We would be grateful if you could supply us with any further information that you feel could assist our investigations 😂

Still nothing from Cabot even though I believe  MC are their in-house solicitors.

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