Jump to content


  • Tweets

  • Posts

    • Today , after a lotof years i recieved a letter from this lot. Very friendly, "Were writing to remind you that we havent had any contact from you in a while".  The velvet fist, followed by  a veiled threat to get their preferred debt collectors involved. Yep dead right. In 1992/3 I took out a Student load under duress from DHSS. uP TO 2000 I hadsucessfully gotten deferment on low income. But rarther thansign on as unemployed,I decided to be self employed. I applied and they asked for all sorts of documents. I obliged and then correspondance ceased from them, circa 2001. To date  I have had no correspondance from Student Loans. I was made  redundant in 2009 and  reached 65 in 2012 , at which age the loan should have been cancelled. Now ,today, 12 years on retirement and 11 ( at least years after last contact) I get a letter with veiled threats. Do I , as I smell a scam a) ignore it and hope that Erudio will think that this phishing attempt has failed or b) respond with a statute barred letter or c) remind them of legal terms that loan should be cancelled 12 years ago or d) combination of b) +c)      
    • But I'm not mixing and matching. Sure, when researching I do check multiple avenues, but when speaking, I will open a single post. The Fb post was made in March, it is now June, time has passed, and when the suggestion was made, no further information was given on how I should progress beyond "send a letter", which has meant that I've needed to start another stream - this one, but only after taking the time to research first.
    • hes not turning you away he is simply saying that you should stick to one channel of advice. he is perfectly happy with that channel being this forum, and he will help you   all he is saying, and I agree, is that you should stick to one help channel, not mix and match 3/4
    • As long as we are clear . Do the reading and post your letter of claim in draft form as requested and we can go from there.    
    • Hold on @BankFodder, that was a bit harsh. I spoke with the EVRi complaints Facebook group to begin with, a user on that group told me to send a letter but didn't give any specifics. Here at CAG, I was looking more for specific help as I've never raised such a claim before, and wanted to be sure that my claim was correct, which is why I've researched information with the other groups too, to be sure; but you seem to have assumed that I've made some form of contact with the other groups, such that I find your comments and tone to be very unfair. And I do know a thing or two about forums, that forum users are unpaid volunteers, I happen to be a Tableau Ambassador, and so perform a very similar role helping others in an unpaid capacity  
  • 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

Taking Cabot to court for failing to supply HSBC CCA + Distress etc


tbern123
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5452 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

:confused:

 

I have just tried to email my POC to Cabot, as I thought this was only fair....

 

Cabotcustomer@cabotfinancial.com, no longer accepts emails from my email address...

 

Isn't it lucky, I have more then one email address lol

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

Link to post
Share on other sites

  • Replies 2.1k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

:confused:

 

I have just tried to email my POC to Cabot, as I thought this was only fair....

 

Cabotcustomer@cabotfinancial.com, no longer accepts emails from my email address...

 

Isn't it lucky, I have more then one email address lol

 

One of my yahoo addresses has also been blocked..... :x

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

Link to post
Share on other sites

One of my yahoo addresses has also been blocked..... :x

 

And my other email address.. You would think that they don't want to read my emails:grin:

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

Link to post
Share on other sites

Tbern you are being far too nice with them. Go for the jugular. Yes they did a check on my Experian report too. I didn't report at the time but will do.

 

 

I know, I just don't want them to be able to turn around and say that I did not keep them informed

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

Link to post
Share on other sites

:confused:

 

I have just tried to email my POC to Cabot, as I thought this was only fair....

 

Cabotcustomer@cabotfinancial.com, no longer accepts emails from my email address...

 

Isn't it lucky, I have more then one email address lol

 

be professional and do a screenprint of the response ........

 

 

for "location location location" read "insurance insurance insurance " !!!

:cool: sunbathing in juan les pins de temps en temps

Link to post
Share on other sites

Start up a new email address Tbern it's easy enough. So they object to a few emails do they?

Have they any notion what it's like to be harrassed by phone 24/7 or to be bombarded by their stupid letters. My goodness boot on other foot or what????

  • Haha 1
Link to post
Share on other sites

Williem is one of the people I tried to email, it came back saying sender address rejected...

 

But I have a cunning plan lol

 

I will reveal all tonight !!!!

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

Link to post
Share on other sites

Tbern you are being far too nice with them. Go for the jugular. Yes they did a check on my Experian report too. I didn't report at the time but will do.

 

 

They checked my experian report too TWICE on the same day (I reckon cause they chasing tow debts in one claim??)

 

ALSO - they checked Land Registry too!!!! Naughty Naughty??

 

Does anyone happen to have the sections to quote that says they ought not be doing this - so that I can quote this on my POC's this week??

  • Haha 1
Link to post
Share on other sites

Start up a new email address Tbern it's easy enough. So they object to a few emails do they?

Have they any notion what it's like to be harrassed by phone 24/7 or to be bombarded by their stupid letters. My goodness boot on other foot or what????

 

As I don't live far away and I was not having any joy with my emails, I thought I would go and deliver the letter myself.

 

Well, I had a completly wasted trip.. What kind of companies head office, doesn't have a mail box ?????

 

Not a very impressive building.. They are building new offices done the road from their current location.. So I came home and faxed it to them....

 

So I have filed my POC with the Court, Served them to Cabot, so now the ball is in their court

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

Link to post
Share on other sites

Within commuting distance, eh? You could apply for a job. :eek:

 

Nice one, though. Can't wait to hear the outcome. ;)

 

 

lol, very true... Only took about 20 minutes to get there..... As it is one huge trading estate though, there isn't much to do at lunch times

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

Link to post
Share on other sites

Nearly forgot...

 

The judge has given them until 9th April 2007 to come up with a defence... So it will give me some time to work on my second claim for the default that was on my credit file in relation to a inproperly executed Barclaycard agreement.

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

Link to post
Share on other sites

You should try my job... stuck in the middle of the sea, and not a Subway or Starbucks in sight. :D

 

No thanks,,, I have enough grief in my job... the general public are all swines !!!!

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

Link to post
Share on other sites

As I don't live far away and I was not having any joy with my emails, I thought I would go and deliver the letter myself.

 

Well, I had a completly wasted trip.. What kind of companies head office, doesn't have a mail box ?????

 

Not a very impressive building.. They are building new offices done the road from their current location.. So I came home and faxed it to them....

 

So I have filed my POC with the Court, Served them to Cabot, so now the ball is in their court

 

 

THIS MADE ME LAUGH :D:D

 

ME WONDERS WHY - THEY HAVE NO LETTER BOX :confused::D

 

that is funny!! I reckon they don't mean us to communicate with them eh?:p

Link to post
Share on other sites

Thanks Pam,

 

 

Really appreciate your help.... I would click your scales, but I did that yesterday and it won't let me do it again yet lol

 

Thank you for the last click anyway - much appreciated. :D

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

Link to post
Share on other sites

Sorry to gatecrash, but if a company are unable to produce an executed credit agreement, then they shouldn't have been recording data with CRAs??

Is this always true?

 

Well, they would have you believe otherwise, and point to where it says they can do it without your consent in the DAP, (Section 2, para 6 I think it is). BUT that only applies if what they have about you is correct. And no agreement, means no consent, means no proof of debt, then no right to process data at all, INCLUDING PASSING ON YOUR ALLEGED "BLACK" DATA TO CRA's. IMHO.

 

Just read something interesting. Our Ken thinks debt purchasing companies should have access to our "white data". ie he thinks he should be allowed to see beforehand your "good" credit history as a right. I suppose he also assumes he has the right anyway to go trawling through your "bad" history by doing unauthorised searches of your credit files. (See tBern's post above). No doubt, he has a good reason for this ready to justify things, but I personally just think it's so he can cherry pick his portfolios. Maybe I'm wrong.

Link to post
Share on other sites

Well, they would have you believe otherwise, and point to where it says they can do it without your consent in the DAP, (Section 2, para 6 I think it is). BUT that only applies if what they have about you is correct. And no agreement, means no consent, means no proof of debt, then no right to process data at all, INCLUDING PASSING ON YOUR ALLEGED "BLACK" DATA TO CRA's. IMHO.

 

Just read something interesting. Our Ken thinks debt purchasing companies should have access to our "white data". ie he thinks he should be allowed to see beforehand your "good" credit history as a right. I suppose he also assumes he has the right anyway to go trawling through your "bad" history by doing unauthorised searches of your credit files. (See tBern's post above). No doubt, he has a good reason for this ready to justify things, but I personally just think it's so he can cherry pick his portfolios. Maybe I'm wrong.

 

I think I posted something about this 'White Data' subject some weeks ago, I came across it during some of my research**. I believe I'm right in saying that our Ken has been campaigning for this for quite some time- to be allowed access to our 'white data'. A member of his staff even gave a lecture about it at a conference last year. I'm not sure if he's been successful in his campaign, I'll see if I can find out...**ahha, there it is...post 864 on this thread...Open all the attached files once you're in there.

Just hate every DCA out there

Link to post
Share on other sites

Well, they would have you believe otherwise, and point to where it says they can do it without your consent in the DAP, (Section 2, para 6 I think it is). BUT that only applies if what they have about you is correct. And no agreement, means no consent, means no proof of debt, then no right to process data at all, INCLUDING PASSING ON YOUR ALLEGED "BLACK" DATA TO CRA's. IMHO.

 

Just read something interesting. Our Ken thinks debt purchasing companies should have access to our "white data". ie he thinks he should be allowed to see beforehand your "good" credit history as a right. I suppose he also assumes he has the right anyway to go trawling through your "bad" history by doing unauthorised searches of your credit files. (See tBern's post above). No doubt, he has a good reason for this ready to justify things, but I personally just think it's so he can cherry pick his portfolios. Maybe I'm wrong.

 

 

Our Ken - seems to think he can do all these searches to include the Land Registry etc.. whilst having no formal docs to even prove these debts etc.. Me thinks he needs to be careful where he is treading!!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...