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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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      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.

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Information on Cabot


pmhcfc
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Thank you - it's called 'the resurrection' - it's when the call of nature requires a reminder of how to keep things in this world balanced and in check...

 

Evidence is appearing that one or two aspects are still not quite right and nature demands that these things are dealt with and management reminded about them. They have had long enough to recognise the requirements of their own industry and change, but they allegedly took no notice of we 'bandits' and chose to ignore our advice. Fine, now they are paying and doesn't it hurt, just read their articles in Credit Today, the face of Cabot is wincing, he is an unhappy bunny just now, profits have been hit hard as a result. Sorry me ole matey, you just gotta learn!;) - it's nothing personal.

 

Perhaps they thought the CFC had disbanded and were no longer active? lmao - How little they know ;)

Just hate every DCA out there

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Guest Mrs Hobbit

I had it in my reference library. Must go and dig it up, but are we allowed to post the link? I don't want to upset anyone. We Hobbits are really peaceful people.

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Guest Mrs Hobbit

We learnt so much first time around. This time if it starts again, we know the tactics and we know the law. Hobbits do have big feet.

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I had it in my reference library. Must go and dig it up, but are we allowed to post the link? I don't want to upset anyone. We Hobbits are really peaceful people.

 

Please please upset some people, I think the cycle has done a full circle and Cabot are back in the headlights:D

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Please please upset some people, I think the cycle has done a full circle and Cabot are back in the headlights:D

 

You never mess with the Cabot fan Club ;):D We know it - HE knows it - all CAG followers know it, but HE just won't learn :p

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If anyone is interested, it may not be too late to apply ;)

 

Accounts Officer - UK Job Vacancies at Vacancy Central

 

Wonder if these jobs are anything to do with what KM said 3 years ago here > http://kingshill.novarising.com/news/view/21

 

Having said that, I don't know of many firms who increase their workforce by 25% when they are losing £18m a year.

Edited by pmhcfc

Just hate every DCA out there

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"manipulating data"

 

if one is doing it , all will be doing it

 

 

This was the inevitable consequence of the misreading of the Manchester test case and the moment we all hoped for , their greed was just so great and their morals so low

 

They think they can get away with anything , and why not?

 

Is the FSA or the OFT gonna act?

 

Not until they are forced to by a few brave souls who have to take on the **** all by themselves while the regulatory authorities put their heads back in the sand

 

But didn't the Manchester test case also make it clear that they would have to produce the signed original in court?

 

Also, there is a very good chance that in doing this they will be hoisted by their own petard. I have a situation with Halifax where they have produced 2 reconstituted version of the same credit card agreement but they are different. This is not to mention the fact that they had already sent me a signed application form with none of the prescribed terms on it in respect of my SAR. This means that neither of the 2 reconstituted versions are admissible in court anyway as I understand it.

 

It should be possible to get a relevant copy of the real Ts & Cs in a lot of cases and then go about unpicking the Bernard Matthews versions - they are bound to have made a mistake somewhere.

 

Regrds.

 

Fred

Edited by Fred Bassett

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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The DCA greed is unlimited, and their arrogance and thinking they are above the law holds no bounds.

 

I love it when one comes really unstuck, and someone with a bit of legal knowhow shows them no mercy. :D

 

The DCA's have had it their own way for too long now. We've learnt the rules and are now ruthlessly using them to bring about the demise of the debt collection industry.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Guest Mrs Hobbit

Fuzzybobble is it you who makes comments in Credit Today? Yjere couldn't be two fuzzybobbles surely?

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Could be someone else in disguise :eek:

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Nope it's not me on Crudit Today. When have you ever seen me post anything that is pro dca? :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I have a situation with Halifaxlink3.gif where they have produced 2 reconstituted version of the same credit card agreement but they are different. This is not to mention the fact that they had already sent me a signed application form with none of the prescribed terms on it in respect of my Subject access requestlink3.gif. This means that neither of the 2 reconstituted versions are admissible in court anyway as I understand it.

Sounds rather familiar Fred.

 

I have lots like this and the 3 to a page HBOS jobs are lovely old time pieces.

 

At the top of the so-called 'agreements' we have the LOAN number and the page is split in two. One side is said to be a Preference Account (with an old/and sometimes unknown and penciled in (by them) preference account number printed on, whilst the other side relates to the loan. Oh yes, and then we have all the mountain of missold PPI that they say they are paying back without too much fuss - which is quite nice of them.

 

It seems that when the bank gave these disputes to DCAs (knowing they had PPI on) to kick around they say that they are bank 'loans' but they use the pref account number on the headings...lol

 

I am thinking of ringing the Antiques Roadshow as they might want to display the lovely old standard of HBOS agreement documentation to show how it looked in the good old, pre-2007, days ..:-D

 

Then again, perhaps the regulatory authorities will want to see the wonderful and artistic things this nice company can do with bits of old paper and our private data!

 

Oh yes - Cabot are seemingly not the only peps that are having a fun time with the sea of paper floating around the UK that is supposed to be accurate and private in relation to us happy and trusting consumers.

 

Aint the Establishment great!

Edited by questioner
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Sounds rather familiar Fred.

 

I have lots like this and the 3 to a page HBOS jobs are lovely old time pieces.

 

At the top of the so-called 'agreements' we have the LOAN number and the page is split in two. One side is said to be a Preference Account (with an old/and sometimes unknown and penciled in (by them) preference account number printed on, whilst the other side relates to the loan. Oh yes, and then we have all the mountain of missold PPI that they say they are paying back without too much fuss - which is quite nice of them.

 

It seems that when the bank gave these disputes to DCAs (knowing they had PPI on) to kick around they say that they are bank 'loans' but they use the pref account number on the headings...lol

 

I am thinking of ringing the Antiques Roadshow as they might want to display the lovely old standard of HBOS agreement documentation to show how it looked in the good old, pre-2007, days ..:-D

 

Then again, perhaps the regulatory authorities will want to see the wonderful and artistic things this nice company can do with bits of old paper and our private data!

 

Oh yes - Cabot are seemingly not the only peps that are having a fun time with the sea of paper floating around the UK that is supposed to be accurate and private in relation to us happy and trusting consumers.

 

Aint the Establishment great!

 

Hi Questioner, I think I've seen your thread on this - but have you checked out the other Preference account threads? HBOS are in a real mess with these cards - they don't know whether to treat them as bank accounts or credit cards.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Following the thread on here regarding cabot and data deception I e mailed the OFT and got this reply:

Consumer Credit Act 1974 (the Act)

Complaint Against: Cabot Financial ( UK ) Limited

Licence No: 472690

Thank you for your email received 08 June 2010, further to your earlier email.

 

We will take into account the further information you have helpfully given us as we continue to monitor this trader’s fitness to hold a credit licence. Thank you once again for taking the time to write to us about this matter.

 

Yours sincerely

 

David Annis

Enquiries and Reporting Centre

Office of Fair Trading

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Means absolutely nothing. The OFT just put the complaints on file and do nothing. Occasionally if the press report a problem about a particular company they will issue a warning, but that is about it.

 

They need to make certain activities a criminal offence, so that you can report it and get a response personal to you. Not just a standard reply that they will hold the information on file in regard to fitness to hold a licence. Even if they took action following your complaint, they are not able to tell you what action they took, because the OFT are not allowed to. Commercial confidentially is written into the OFT's remit.

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PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Send the OFT response and a copy of your original complaint to your MP. Ask him/her to take it up himself. they have to give the MP a more reasoned response and in most cases the MP will send it onto you. In extreme cases the OFT will be pressed to act if the MP starts making a fuss. With an election possibly five years off they may not be so active.

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:

...we continue to monitor this trader’s fitness to hold a credit licence.

 

In all honesty, members need to rack up the complaints; pile the pressure on!!!

 

These firms, just get a slap on the wrists but in reality they need a damn good hiding...Link Financial; 1st Credit (plus associated companies) and Cabot

 

p.s. Not forgetting CapQuest, of course.

Edited by angry cat
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Hi Questioner, I think I've seen your thread on this - but have you checked out the other Preference account threads? HBOS are in a real mess with these cards - they don't know whether to treat them as bank accounts or credit cards.

 

Regards.

 

Fred

 

Be nice if we can keep this thread to all things Cabot :)

Just hate every DCA out there

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