Jump to content


  • Tweets

  • Posts

    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
  • 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

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 5447 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

pERHAPS we should form a venture capitalist group and buy them out !

 

( I've got a spare shilling (had budgeted it for the gas meter) to fund the purchase ( management buy out) of cabot(we've got some privet in the garden so perhaps i could form a "hedge fund") then we could sack em and sell the debts back to joe public at 10 pence in the pound .

 

In fact why couldn't some charity set itself up like cabot ?? and do just that ??

 

 

I RECKON WE'D MAKE A REALLY GOOD TEAM!!! :grin:

 

Maybe that's their problem ? too many EGO's to get the job done right? did no one ever tell them there is no "I" in team? I often see it's the complete lack of internal "communications" that causes problems in these companies as left hand never knows what right hand is doing etc.. and they repeatedly fail to cascade information and decisions made to the relevant staffing etc.. - but while that stuff goes on the bigger the problems get?

Link to post
Share on other sites

  • Replies 2.1k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Well tbern seems a likely candidate doesn't he? - "lives down the road" he said - they might employ him to square up against we Caggers - :o

 

Lol, might be a step up from my current job...

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

I'm sure they wish some of us would just go away, Liz. But haven't they thought that perhaps a simple letter saying, OK, we give up, would MAKE some of us go away?

 

You have hit the nail on the head seahorse.

 

On a selfish note, I would glady go away.... But I want a cheque with my simple letter...

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

Link to post
Share on other sites

Too late, WW. Somebody else has come up with an answer for me.

 

bfb in this thread HERE, says...

 

If the bank takes money unlawfully it is they who must refund that to you

They cannot sell the responsibility to refund money that they should not have in the first place That is different to selling their right to recoup money owed to them Having said that if they do sell a gross debt that means they have sold an incorrect to the buyer so there is the question of data protection false defaults misrepresentation and much more and what can the buyer chase for when they have bought at best a pig in a poke If they chase for the gross amount then that is not acceptable.

Link to post
Share on other sites

Finally had a response from Experian today...

 

----- Original Message ----- From: "CreditExpert"

To: tbern123

Sent: Monday, March 19, 2007 9:19 AM

Subject: EMR1694591X

 

 

 

Our Ref: CMP/40823010

 

Dear tbern123

 

Thank you for your email, which we received on 11 March 2007.

 

The search made by Cabot Financial (Europe) Ltd is an unrecorded enquiry. An unrecorded enquiry is a search made for non lending purposes such as a quote. Any other lender that may search your credit report cannot see this type of search.

 

In view of your comments about not giving your permission for this search to be made, I am writing to them for you. This is because I cannot amend your report without their consent. I will let you know what they say as soon as they reply.

Your credit report includes all of the previous search information we have. If you need further details, please contact the company directly who will be able to help you. The details you may need are as follows:

 

Cabot Financial Services (Europe) Ltd: 10, Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4LT

 

 

I won't hold my breath

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

 

REAL SHOES!!!!! (An anagram of Experian, I believe.) ;)

 

I think I have missed the joke :confused:

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

I worked for an engineering company once where the shop steward ( we had unions then ( pre maggie :grin: ) was a hell raiser and had us all out on strike more times than we had lunch breaks... any excuse - 'down tools' - so what did the company do? - made him personnel manager, gave him a car, bought him a suit, doubled his salary ( probably ) and brought him into management - he was not a popular bunny with the Union but the strikes stopped - Ken - are you reading? - there's a few who might be worth employing out here ! :grin: :grin:

 

 

I reckon they employ us all and give us double salaries, posh cars and suit allowances!!! Oh!!! and extened lunch hours!!!:grin:

 

My Grandad used to always joke his ideal job would be working 12 midday through till 2pm - with an hour for his lunch break and two half hour tea breaks :)

Link to post
Share on other sites

So what the heck is this all about????

 

My credit report USED to say I defaulted on a balance of £2,032, which is what Cabot are trying to lever out of me still.

 

BUT. My credit report NOW says I defaulted on a balance of £3,221

 

Either I defaulted on one figure or the other. You can't just go and change the amount after the event, Cabot. Just what sneaky, underhand jiggery pokery are you up to now????

 

Or was it Barclaycard who are being sneaky and devious, and have been in there recently? Despite the fact that they have sold the debt on?

 

Time for another query to Experian. (REAL SHOES!!!)

Link to post
Share on other sites

Time for another query to Experian. (REAL SHOES!!!)

 

Don't worry tbern, I think we are all missing the joke - Anagram? Seahorse? Experian ? joke ? OHHHWWW _ Seahorse is the Joke, sorry tbern - now I got it !:D :D :D

Link to post
Share on other sites

So what the heck is this all about????

 

My credit report USED to say I defaulted on a balance of £2,032, which is what Cabot are trying to lever out of me still.

 

BUT. My credit report NOW says I defaulted on a balance of £3,221

 

Either I defaulted on one figure or the other. You can't just go and change the amount after the event, Cabot. Just what sneaky, underhand jiggery pokery are you up to now????

 

Or was it Barclaycard who are being sneaky and devious, and have been in there recently? Despite the fact that they have sold the debt on?

 

Time for another query to Experian. (REAL SHOES!!!)

 

Geez!!!! Looks like they need new accountants too?? that's some change of balance!!! :???:

Link to post
Share on other sites

Jeepers. I go away for a day or two and all hell breaks loose...great work!

So in Mr Crawford's view we who have the brass neck to contest their methods, morality and legality are rogues are we? I take it he means like those Japanese "rogues" who were "systemically massaging their accounts" to get within a gnat's of being delisted by the Tokyo Stock Exchange. Oh whoops! Forgot, they are the "rogues" who are bankrolling Cabot.

Also let's get a historical perspective of their use of the 1925 Property Act to support their activities. In 1925 the man in the street just didn't borrow money. There were well-to-do folks with property and land but the working classes usually either starved, went without or pawned the odd item. That carried on until the 1960s or so when the most anyone borrowed was a small mortage or the odd HP for a fridge. By 1974 the consumer credit market was growing apace and needed new legislation to PROTECT THE CONSUMER and so it's fair to say that this act is the one to be called upon in cases of consumer credit.

Also Mr Crawford if you're reading. I am owed a tidy sum in "restitution" by the original lender so I will be taking great pleasure in pursuing you for said resitution via the courts if necessary.

Link to post
Share on other sites

Jeepers. I go away for a day or two and all hell breaks loose...great work!

So in Mr Crawford's view we who have the brass neck to contest their methods, morality and legality are rogues are we? I take it he means like those Japanese "rogues" who were "systemically massaging their accounts" to get within a gnat's of being delisted by the Tokyo Stock Exchange. Oh whoops! Forgot, they are the "rogues" who are bankrolling Cabot.

Also let's get a historical perspective of their use of the 1925 Property Act to support their activities. In 1925 the man in the street just didn't borrow money. There were well-to-do folks with property and land but the working classes usually either starved, went without or pawned the odd item. That carried on until the 1960s or so when the most anyone borrowed was a small mortage or the odd HP for a fridge. By 1974 the consumer credit market was growing apace and needed new legislation to PROTECT THE CONSUMER and so it's fair to say that this act is the one to be called upon in cases of consumer credit.

Also Mr Crawford if you're reading. I am owed a tidy sum in "restitution" by the original lender so I will be taking great pleasure in pursuing you for said resitution via the courts if necessary.

 

 

Rhia you are so right !!!!

 

GONE are the days where these companies can ride over us all and take us for these huge sums of money as they've become so accustomed to for supporting their own rich living!! So it's high time they got used to it ??

 

These people are behaving like toddlers in such comments as "rogues" - because we simply dare to question their authority?? :grin:

 

ME THINKS THEY NEED TO LOOK VERY CLOSE IN A MIRROR AND THEN IF CAP FITS?? :mad: Me reckons Mr C has his nose too near his rear end and don't like the smell ? :???: It's an outrageous comment from him classifying people as "Rogues" because he hasn't got answers to our reasonable questions - what sort of businessman is he?

 

Answers on a postcard PLEASE!!! Let's keep this forum clean - children maybe reading :grin:

Link to post
Share on other sites

Love it! Love it! LOVE IT!

 

I can just smell the gunpowder from here!! :D:D:D

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

Don't worry tbern, I think we are all missing the joke - Anagram? Seahorse? Experian ? joke ? OHHHWWW _ Seahorse is the Joke, sorry tbern - now I got it !:D :D :D

 

 

Thanks Andrew1... I was sitting there thinking, how did seahorse get that from Experian....... 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

Hi

 

I have just re-read Mr Crawford's attack on those 'rogues' who dare to challenge a debt purchaser's right to collect on their spoils!!

 

On my first reading I was just stunned - now I am bl***y livid!! :mad::mad:

 

This statement, in particular is making me see red!! -

 

It is just a shame that there appear to be so many debtors, and apparently advice agencies, keen to frustrate attempts by legitimate businesses to seek payment of bona fide, and usually undisputed debts.

 

 

Legitimate businesses??? Have you checked the word legitimate in the dictionary Mr C.? - alongside the most common interpretation of 'lawful', legitimate also means 'able to be defended, or reasonable'.

 

 

There is NOTHING defensible or reasonable about trading in misery Mr C.! How can the word 'legitimate' possibly be used to describe the practice of buying up a person's debt for peanuts and then subjecting him to a barrage of harassment and threats with the aim of making as much profit as possible?

 

 

As to 'bona fide' debts Mr C., what percentage of these debts are actually checked for accuracy before the systematic bullying begins I wonder? Probably 0.0000000001% would be a fairly accurate assumption.

 

 

Finally Mr C., how convenient and advantageous it must have been for 'outfits' such as yours that most debts have hitherto been undisputed. But you conveniently omit to mention that the main reason why debts have been largely undisputed is because most borrowers who are unfortunate enough to fall into your company's greedy, amoral and unscrupulous grasp are kept in blind ignorance of their rights whilst being terrorised into submission!

But not for much longer MR C., You're game is nearly up!

 

 

 

 

 

 

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

Hi

 

I have just re-read Mr Crawford's attack on those 'rogues' who dare to challenge a debt purchaser's right to collect on their spoils!!

 

On my first reading I was just stunned - now I am bl***y livid!! :mad::mad:

 

This statement, in particular is making me see red!! -

 

It is just a shame that there appear to be so many debtors, and apparently advice agencies, keen to frustrate attempts by legitimate businesses to seek payment of bona fide, and usually undisputed debts.

 

 

Legitimate businesses??? Have you checked the word legitimate in the dictionary Mr C.? - alongside the most common interpretation of 'lawful', legitimate also means 'able to be defended, or reasonable'.

 

 

There is NOTHING defensible or reasonable about trading in misery Mr C.! How can the word 'legitimate' possibly be used to describe the practice of buying up a person's debt for peanuts and then subjecting him to a barrage of harassment and threats with the aim of making as much profit as possible?

 

 

As to 'bona fide' debts Mr C., what percentage of these debts are actually checked for accuracy before the systematic bullying begins I wonder? Probably 0.0000000001% would be a fairly accurate assumption.

 

 

Finally Mr C., how convenient and advantageous it must have been for 'outfits' such as yours that most debts have hitherto been undisputed. But you conveniently omit to mention that the main reason why debts have been largely undisputed is because most borrowers who are unfortunate enough to fall into your company's greedy, amoral and unscrupulous grasp are kept in blind ignorance of their rights whilst being terrorised into submission!

But not for much longer MR C., You're game is nearly up!

 

 

 

 

 

 

EXCELLENT POST

 

The worm has turned. Dot your I's and cross your T's.

 

 

The more people who tape these calls and retain them for evidence the better. The threatenting, abusive, bullying and sometimes illegal behaviour of DCA call centres would make great news in the tabloids and the courts would have a field day. Maybe then when some of them have their licences revoked and their cash cows (sorry call centres) closed will they learn to deal with debtors in a fair manner

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...