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    • They didn't turn up because they knew they would lose so they saved the cost of sending a brief saving them a couple of hundred pounds at least. But still a big relief for you now that it's all over . So congratulations plus you can enjoy your trip that much more. 
    • I will try again...................... Even at my age there is quite clearly a PCN envelope by the windscreen wipers on your car on some of the photos.  But as I said in the IPC letter, that is not the dispute. The dispute is that CPM sent you the second PCN on the 28 th day of the issue date of the first PCN. It should not have been sent until the day AFTER the original PCN was issued. Therefore they broke the Act, they breached the IPC Code of Conduct and their agreement with the DVLA. It is something that the IPC cannot ignore since to do so will bring the ICO down on them and the DVLA should ban CPM from getting data from them once they know if the ICO do nothing. The minimum I expect is that your PCN will be cancelled. But it is up to you. I have given you the details, you have copies of both PCNs sent to you on the sar  with all  the relevant dates. 
    • Apply for an HM Armed Forces Veteran Card   An HM Armed Forces Veteran Card is a way to prove that you served in the UK armed forces. The card can make it quicker and easier to apply for support as a veteran. It’s free to apply. You can currently only apply for a Veteran Card if you have a UK address. Veterans who do not have a UK address will be able to apply later this year. READ MORE HERE: Apply for an HM Armed Forces Veteran Card - GOV.UK WWW.GOV.UK Apply for an armed forces veteran card to prove that you served in the UK armed forces.
    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
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    • We have finally managed to obtain the transcript of this case.

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Baines & Ernst now CCCS - many debts


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Could you tell me what law of property act is ?

spuddly:)

Its an often misused ploy by DCAs to atgtempt to circumnavigate (avoid) their responsibilities under the CCA 1074

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I recieved cabots complaint letter to flll in.

why should i complain to them !!

advice please anyone .

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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I recieved cabots complaint letter to flll in.

why should i complain to them !!

advice please anyone .

You have to give them an opportunity to explain their behaviour and breaches of the rules, their allegations and threats. They have 40 days to resolve this matter to your satisfaction. When they dont comply you can report them to the FOS

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our service promise

 

Cabot Financial (Europe) Limited has a reputation for providing excellent customer serice and it's a reputation we work hard to maintain. But we also recognise that sometimes things can go wrong. In the event we have made a mistake, or we could have done something better, we will do our best to put this right for you.

This leaflet sets out the steps we take to ensure your complaint is fully considered.

 

tell us if things go wrong

 

step one

 

If any issues arise in the course of your dealings with us, please talk to us and let us know what your concerns are. The chances are things can be resolved quickly by the Collections Team Leader, Collections Manager or another member of staff - so please speak to them early on so any issues can be settled as soon as posible.

 

step two

 

If no one can address your concerns at the first instance, the matter will be referred to the Complaints department. A comlaint in relation to a specific individual shall immediately be referred to the Complaints department.

If you referred your complaint to the Complaints department or we have referred your complaint on to them, you shall receive formal confirmation and acknowledgement of your complaint in writing within 3 business days of receipt of your complaint. We will then look into your complaint and write to you within 10 working days of receiving notice of your complaint. Our letter will set out our understanding of the issue and any proposals for resolving matters which we think are appropriate. If, for any reason, we are still investigating your complaint after 10 working days, we will write and let you know how things are progressing.

 

step three

 

If you are unhappy with our response, we shall pass full details of your complaint to an appropriate manager for final review, unless our "final response" has been issued.

In the event hat we are unable to settle your complaint after an appropriate manager has carried out a final review, we will send to you in writing our final response. We will send you our final response within 8 weeks of receipt of your complaint. Our final response shall provide details on referring your complaint to the Financial Ombudsman Service for an independant review. That service is a free, independant service for consumers with unresolved complaints about financial firms. The decision of the Financial Ombudsman Service will be binding upon us, unless the Court orders otherwise.

 

If your complaint has not been resolved by us after 8 weeks and you have not received our final response, you are entitled to take the matter to the Financial Ombudsman Service without waiting any longer. It is, however, very unusual for investigations to go on this long.

 

Surely there would be a case for the Advertising Standards Agency to check this waffle Why dont Cabot cut out the middle men and let you go directly to the FOS. If their complaints system is anything similar to the way they deal with alleged debtors then you will doubtless end up at the FOS anyway.

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HI

reading through my files on crapbot came across this letter they sent me back in may, it states quite clearly what they have requested from associates..

 

cabotapplicationformadmissionletter.jpg

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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ok update ...

When i came home from work a message to contact citicards was waiting for me...so i phoned and low and behold it was my old credit card company "The Associates" from way back.

Anyway i spoke to a pleasent lady who told me that after sending in a complaint to the FOS about cabot who i have been dealing with so far assured me that my CCA is still available:eek: ?, furthermore she is going to send me out a copy of my T&C whilst they recover my original agreement from archives , this may take a few weeks she added and on that point i reminded her that when i recieve the said agreement i will take it from there.

Probbly start paying again...:Cry:

How did they get my phone number!!!!

 

 

WHY ARE CRAPBOT NOT REFFERING TO THE ASSOCIATES AS CITICARDS!!! IN ANY OF THIER COMMUNICATION??

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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They are the w anchors chasing the debt. They are talkin sh1t if they say they have talked to TS. Just remind them od S 189 of the CCA.

 

This letter is like Crapbot

 

 

full of dung

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did you see it!!

 

"APPLICATION FORM" NOT CREDIT AGREEMENT....:)

THEY HAVENT GOT A FRICKIN TUBE OF GLUE!!!

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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good evening CAG ers

well i dropped tameside TS a e-mail yesterday regarding you know who?

got my comfirmation today at work on my mble:D

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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off to TS tameside friday for a proper good natter about CRAPBOT and their practices..:D

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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CIVIL PROCEDURE RULE ...4.6

 

When a SAR is requested all the details they have on my account should include everything including CCA & T&C and nothing left out after all it is a legal request .

have a look at this i came across (see para 4. 6)

http://www.justice.gov.uk/civil/procrules_fin/pdf/practice_directions/pd_protocol.pdf

thats how i understand it

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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CIVIL PROCEDURE RULE ...4.6

 

When a S.A.R - (Subject Access Request) is requested all the details they have on my account should include everything including CCA & T&C and nothing left out after all it is a legal request .

have a look at this i came across (see para 4. 6)

http://www.justice.gov.uk/civil/procrules_fin/pdf/practice_directions/pd_protocol.pdf

thats how i understand it

 

With all due respect, disclosure under the civil procedure rules (in this case, the pre-action protocols) does not have a great deal to do with a S.A.R.

 

The only case it would apply to a S.A.R. is when you are sending the Data controller a letter before action for failing to comply with a S.A.R. - I would suggest, however, that such an action would be best taken after complaining to the information commisioner.

 

The pre-action protocols deal with when a court action is imminent; A S.A.R. under the data Protection act 1998 operates at all times, but has a greater degree of exempt information.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Hi

Had a chat with my local Trading standards I pointed out that i had sent for a CCA back in March and still no agreement, she wanted to know why i was requesting the agreement in the first place.

I mentioned i was on a DMP and were coming to the end of all my accounts and wanted to regain control of my finance.

I explained to her the situation as it stands and needed to bring this account to an end.

she called citicards who i now am led to believe have bought the Associates and was given the runaround eventually she selltled on a department who had my account number and would deal with her.

 

(me thinks hearing T/S calling soiled a few undergarments mee self:eek: ).

 

Anyway back to Citicards, she spoke to someone called JOANNE and before they could go any further they needed confirmation from me to allow them to talk to T/S.

T/S said

hello ..i am XXXXX from trading standards can you explain why MR XXXXXXXXX has not yet recieved his CCA as requested and paid for back in march this year .also can you explain who are the four accounts he has in relation to this account untill the the intervention of yourselves does not know if he is paying the correct company.

 

Citicards told her that KINGS HILL NO1 AND CABOT both buy the accounts from citicards (once The Associates) so i should have sent a CCA request to CITICARDS as they own the account??

still confused eh:confused:

 

Citicards told T/S that they have the letter that i sent requesting the CCA but dont know where the £1 cheque is that i sent with the letter.

And it will take them a further 2-3 weeks whilst they find my CCA as they have to send a request internally for some poor sod to GO LOOK IN THE FILES MANUALLY...:eek:

 

Hold on a minute did i not get this respoince when i was on the phone to Citicards a few weeks ago and they said then they were sending me T&C whilst they looked for my CCA.

STILL NOTHING ABOUT THAT.......

Well I think they are running round like headless poultry and cannot find my CCA and are being Total T###s with me.

Tradins standards have given Citicards 2 weeks to come up with the CCA.

If they do not then a nother trip to Trading standards for me:D :D

 

Personally i think itll take them that long to stop slipping in all the BULL poop on the floor :rolleyes:

  • Haha 1

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Hi

Had a chat with my local Trading standards I pointed out that i had sent for a CCA back in March and still no agreement, she wanted to know why i was requesting the agreement in the first place.

I mentioned i was on a DMP and were coming to the end of all my accounts and wanted to regain control of my finance.

I explained to her the situation as it stands and needed to bring this account to an end.

she called citicards who i now am led to believe have bought the Associates and was given the runaround eventually she selltled on a department who had my account number and would deal with her.

 

(me thinks hearing T/S calling soiled a few undergarments mee self:eek: ).

 

Anyway back to Citicards, she spoke to someone called JOANNE and before they could go any further they needed confirmation from me to allow them to talk to T/S.

T/S said

hello ..i am XXXXX from trading standards can you explain why MR XXXXXXXXX has not yet recieved his CCA as requested and paid for back in march this year .also can you explain who are the four accounts he has in relation to this account untill the the intervention of yourselves does not know if he is paying the correct company.

 

Citicards told her that KINGS HILL NO1 AND CABOT both buy the accounts from citicards (once The Associates) so i should have sent a CCA request to CITICARDS as they own the account??

still confused eh:confused:

 

Citicards told T/S that they have the letter that i sent requesting the CCA but dont know where the £1 cheque is that i sent with the letter.

And it will take them a further 2-3 weeks whilst they find my CCA as they have to send a request internally for some poor sod to GO LOOK IN THE FILES MANUALLY...:eek:

 

Hold on a minute did i not get this respoince when i was on the phone to Citicards a few weeks ago and they said then they were sending me T&C whilst they looked for my CCA.

STILL NOTHING ABOUT THAT.......

Well I think they are running round like headless poultry and cannot find my CCA and are being Total T###s with me.

Tradins standards have given Citicards 2 weeks to come up with the CCA.

If they do not then a nother trip to Trading standards for me:D :D

 

Personally i think itll take them that long to stop slipping in all the BULL poop on the floor :rolleyes:

Oh to be a fly on the wall in Sh!ttycards office. Hopefully Trading Standards will take it all the way with this **** and prosecute their asses for non compliance with your CCA

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A point of interest TS came out with, I should contact cabot myself in two weeks and then followup with a letter ?

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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