Jump to content


  • Tweets

  • Posts

    • did you submit your directions
    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
  • 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
      • 161 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
  • Recommended Topics

Cabot and old Aqua Card Debt - will they go for a CCJ?


Yorkshirepud
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 358 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

Hi everyone 👋

 

New to this site and just wondering if anyone can offer me any advice 🙏

 

Cabot have been on my credit file for a while for an old credit card debt (think Aqua). I have over this time received various emails and i have ignored them all 🙈

 

I think i was hoping that it would just go away especially as the default date showing on my credit file is 31 December 2018 however i have today received an email that says if i don't respond within 26 days they will look to pass it to a Solicitor to obtain a CCJ. 

 

What should i do? 

 

Grateful for any advice anyone can give. 

Link to post
Share on other sites

  • dx100uk changed the title to Cabot and old Aqua Card Debt - will they go for a CCJ?

ignore emails totally

you should never use/give email/phone/txt to a DCA. bloch and ignore all of them,.

 

DCA's are totally powerless and are not bailiffs 

 

have you moved since taking the card out an never informed Aqua (newday?) nor the debt buyer/dca owner of your correct and current address??

 

 

  • Thanks 1

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 have definitely never communicated with Cabot. They may have written to me and i have filed it in the bin; I can't be 100% sure. 

 

Not moved so Aqua always had my correct address. 

 

My only concern is if they do go for a CCJ i don't have the means to pay and not sure what my defense would be (i did take out the card and not pay it back). I just hoped it'd have pushed to the 6 year and vanished into the ether 🙈 i really don't want a CCJ but nor do i really want to pay these bottom feeders but if that is only way to stop action i guess i'd have to? 🤷‍♀️

 

I appreciate your response. 

Link to post
Share on other sites

woa slow down...

 

who say you've gotta pay them and it will ever go near a courtroom door...very very remote and they have no more powers than you or i to raise a speculative claim if we think someone owes us money.

 

they also have to abide by the pre action protocol and send a letter of claim FIRST.

 

till they ever do that BY ROYAL MAIL. simply ignore them.

 

block/bounce all their email addresses so you dont get free harassment from them too.

 

plenty of cabot card threads to read here.

 

dx

 

 

 

 

  • Thanks 1

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

Going to follow this one, have dealt with Cabot before.

 

1. Don't throw anything away, file it all in date order including the envelope. Gather any remaining material you have from the original debt, bills, letters etc and also add it to the file.

 

2. Don't reply to emails, just file them in an email folder on your computer

 

3. Don't answer the phone to them.  If they call from a different number put the phone down and add that number to the list of Cabot numbers on your phone.

 

4. Don't worry about any contact you have from other Debt Collecting Companies they may pass the debt onto for a chase.   They have zero standing.  They are good at using their letters and techniques to play phycological games but it is like Tennis, if they hit a ball over the net at you don't hit it back.  They will be in for a doodoo game then!

 

5. DO advise them of any change of address so they don't send Court papers or important correspondence to an old address.

 

6. DO get back on here if you receive a letter before action.

 

7. DO (Optional).  Might be worth doing a Subject Access Request to Aqua to see what data they hold about you.  Would reveal stuff that might be useful later such as default date (helps to calculate the statutory Bar date) and other things. 

 

Nothing nasty can happen until AFTER they have successfully won a County Court Claim, which is usually very very hard work for them and mostly impossible if you follow the advice here.

 

I have benefited from loads of advice from here and like to add my own from experience to help others.

  • Like 1
  • Thanks 2
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...