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    • Hi, the vehicle went to Audi Chingford on Thursday 13th May. I did state beforehand that I only wanted a diagnostic. The technician out of courtesy opened the drain letting huge deposits of water escape the seals. Video evidence was provided via AUDI cam. The link for the audi cam has been forwarded to BMW and Motonovo. I spoke to branch manager explained the situation and he stated he would sent me an email outlining the issue. Audi state this is not really an issue and more of a design flaw. However, the seals still have water ingress. I purchased the vehicle with £0 deposit on a 60 months HP plan for £520.00. The vehicle total was £21000. I did not go for any extended warranty. I live almost 70 miles away from the aftersales centre in Peterborough. I have previously uploaded the document I forwarded to BMW however it was in word format. I have had to buy a new tyre almost three days after purchasing vehicle. BMW still have not compensated me for the v62 cost as they said they would. 
    • I would suggest that you stop trying to rely on legal theory – as you understand it. Firstly, because we are dealing with practical/pragmatic situations and at a low value level where these arguments tend not to work. Secondly, because you clearly have misunderstood the assessment of quantum where there are breaches of obligations. The formula that you have cited above is the method of loss calculation in torts. In contract it is entirely different. The law of obligations generally attempts to remedy the breach. This means that in tort, damages seek to put you into the position you would have been in had the breach not occurred. In other words it returns you to your starting position – point zero. Contract damages attend put you into the position that you would have been had the breach not occurred but this is not your starting position, contract damages assume that the agreement in dispute had actually been carried out. This puts you into your final position. You sold an item for £XXX. Your expectation was that you your item would be correctly delivered and that you would be the beneficiary of £XXX. Your expectation loss is the amount that you sold the item for and that is all you are entitled to recover. If you want, you can try to sue for the larger sum – and we will help you. But if they ask for evidence of the value of the item as it was sold then I can almost guarantee that either you will be obliged to settle for the lesser sum – or else a judge will give you judgement but for the lesser sum. This will put you to the position that you would have been had there been no breach of contract. I understand from you now that when you dispatch the item you declared the retail cost to you and not your expected benefit of £XXX. To claim for the retail value in the circumstances would offend the rules relating to betterment. If you want to do it then we will help you – but don't be surprised if you take a tumble.  
    • I was caught speeding 3 times in the same week, on the same road. All times were 8-12mph higher than the limit. I was offered the course for the first offense and I now need to accept the other 2 offenses. I just want to be ready for what might come. Will I get the £100 fine and 3 points for each of them or do I face something more severe?  These are my only offenses in 8 years of driving.
    • I'll get my letter drafted this evening. Its an item I sold, which I'm also concerned about, as whilst I don't have my original purchase receipt (the best I have is my credit card statement showing a purchase from Car Audio Centre), I do unfortunately have the eBay listing where I sold it for much less. But as I said before this is now a question of compensation: true compensation would seek to put me back into the position I was in before the loss ie: that title would remain with me until my buyer has accepted this, and so compensation should be that which would be needed to replace the lost item. But in the world of instant electronic payment, it could be argued that as I had already been paid, the title to the goods had already transferred, and I was required to refund the buyer after the loss. And so, despite my declared value being the retail price - that which is needed to return me to my pre-sales position, the compensatory value should be the value I sold it for, which being a second-hand item from a private seller is lower. I still believe that I should be claiming for the item's full value, rather than how much I sold it for, as this is the same for insurance: we don't insure the value we paid, but rather the value of the item to put us back into the position we would be in if we ever needed to claim. Its for the loss adjuster to argue the toss
    • amusing that 'bad economic judgement on behalf of prior party ISN'T a major reason to wingers to move to deform yet immigration is, where record levels of such has been driven by the right wings terrible brexit and the later incompetent dog whistle 'proposals largely driven to whistle to the right wingnuts Just seems to confirm the are clueless numpties 'wetting their own shoes   Has farage bought a property in Clacton yet?   yet concern for the NHS is listed as a major issue even by those saying they are moving to deform  
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    • 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. 
       

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


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Is this why they are trying delaying tactics in complying with SARs. One more nail in their various coffins. I honestly think theyw ill be lucky to keep their consumer credit licenses when all these chickens come home to roost.

(Welcome back DM...been on hols?)

Not quite but a few other financial institutions are beavering away with my court forms and replies.... but thanks to HBOS (or was this one MBNA, Ive lost track now) I have booked up for Tenerife in June for 10 nights though.:grin:

 

I have been going back through my phone book of financial institutions who have paid out for the 6 years of charges and hitting them with a claim for everything beyond the 6 years, HBOS, Clydesdale, Blackhorse, MBNA, CitiFinancial sent a copy of the same N1 to each , then after a months or so I sort of forgot that I would then have to do the AQ and respond to the defence ooops.

 

Anyway back to Cabot, looks like both Tbern and my cases are heading a similar direction, delaying, rewite POC/defence and I am guessing the new defence I will get in May will be similar to the one seen by Tbern.

 

Tbern, watch out for the mediation, if they try that one I would hold off until we see how mine progresses, not sure how it will end. whether a complete waste of 3 months or satisfactory resolution. Luckily the court I am using is not the busiest in the land so a general wait for a hearing date is a couple of months so hopefully should it have to go back to a hearing it woun't have delayed too much.

 

From all the contradictions etc between defences and SARs and breeches etc I can't actually see mediation resolving this as Mediation, from what I can make out, doesn't give a final arbitration I can't see me and them agreeing on many points and it will take a judge to decide.

 

I am obviously going into the mediation with an openmind and working with Spencer to try to get all the required evidence for it on the table, then there may actually be a chance of a result, but that is only if they share all the info they need to share.

If I have helped click my scales....

 

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Tbern, watch out for the mediation, if they try that one I would hold off until we see how mine progresses, not sure how it will end. whether a complete waste of 3 months or satisfactory resolution. Luckily the court I am using is not the busiest in the land so a general wait for a hearing date is a couple of months so hopefully should it have to go back to a hearing it woun't have delayed too much.

 

Welcome back DM, I thought Cabot must have sent the boys round...

 

I have beaten them to the punch on this one. I suggested this to them already and in his letter Mr Dean Spencer, has already rejected my proposal. So now it will be down to the Judge.

 

Good to see you back fella

 

When I suggested arranging a mutually beneficial settlement, i was told:

 

"The proper and appropriate forum for your "concerns" to be addressed is within the exisiting litigation follwoing the making of appropriate directions by the 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

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Welcome back DM, I thought Cabot must have sent the boys round...

 

I have beaten them to the punch on this one. I suggested this to them already and in his letter Mr Dean Spencer, has already rejected my proposal. So now it will be down to the Judge.

 

Good to see you back fella

 

When I suggested arranging a mutually beneficial settlement, i was told:

 

"The proper and appropriate forum for your "concerns" to be addressed is within the exisiting litigation follwoing the making of appropriate directions by the Court"

Yes and m'learned friends will make mincemeat of the Cabot Cowboys

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"The proper and appropriate forum for your "concerns" to be addressed is within the exisiting litigation follwoing the making of appropriate directions by the Court"

 

Was this in writing, as it would be worthwhile making the court aware that they don't want to dicuss settlement but want to use the courts time instead. Judges like people trying to be grown up about claims.

 

I think the pram may be missing some toys in the Cabot household.:D

If I have helped click my scales....

 

Find my threads by clicking here

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Was this in writing, as it would be worthwhile making the court aware that they don't want to dicuss settlement but want to use the courts time instead. Judges like people trying to be grown up about claims.

 

I think the pram may be missing some toys in the Cabot household.:D

and hopefully some of the babies from the said prams may be lookin alternative forms of employment if they are not making mailbags for her majesty

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I was at a county court hearing the other day and one of the first things the judge asked both sides was if there had been any attempt at settlement before it came before him.

 

The judge didn't take the fact no attempt had been made by either side to reach a settlement too kindly, especially from the side of the defendant. He gave what appeared to be a prepared sermon on the topic.

 

All judges may not be the same but if there is written evidence Cabot don't want to discuss a settlement that should carry considerable weight against them.

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Was this in writing, as it would be worthwhile making the court aware that they don't want to dicuss settlement but want to use the courts time instead. Judges like people trying to be grown up about claims.

 

I think the pram may be missing some toys in the Cabot household.:D

 

lol, yep I have it in writing, from Mr Dean Spencer himself. So when I get to court I can show the judge that I have done everything I can to prevent it taking up the courts valuable time.

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

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As they have totally ignored the below email, can I take them to court for £10 ?

 

To: wwellinghoff@cabotfinanci al.com ; jmccluskey@cabotfinancial .com ; cbowyer@cabotfinancial.co m ; jrandall@cabotfinancial.c om ; kmaynard@cabotfinancial.c om ; bburdett@cabotfinancial.c om ; spratt@cabotfinancial.com ; erobertson@cabotfinancial .com ; cabotcustomer@cabotfinanc ial.com ; customercare@cabotfinanci al.com ; cdennison@cabotfinancial. com ; chepworth@cabotfinancial. com ; jhorton@cabotfinancial.co m ; kbruno@cabotfinancial.com ; mcristi@cabotfinancial.co m ; khanger@cabotfinancial.co m ; anewman@cabotfinancial.co m ; jadams@cabotfinancial.com ; mchellen@cabotfinancial.c om ; ltaylor@cabotfinancial.co m ; jkinloch@cabotfinancial.c om ; kschofield@cabotfinancial .com ; jparker@cabotfinancial.co m ; lgray@cabotfinancial.com ; ekemp@cabotfinancial.com ; rreynolds@cabotfinancial. com ; aarnold@cabotfinancial.co m ; fkent@cabotfinancial.com ; poverton@cabotfinancial.c om ; icraig@cabotfinancial.com ; lwelton@cabotfinancial.co m ; ghowes@cabotfinancial.com ; kearl@cabotfinancial.com ; dchristiane@cabotfinancia l.com

Cc: compliance@ico.gsi.gov.uk ; TSAdvice-SP@kent.gov.uk

Sent: Sunday, April 08, 2007 5:39 PM

Subject: Urgent Response Required - Please do not ignore this email

 

8th April 2007

 

Mr Ken Maynard

Cabot Financial (UK) Limited

10 Kings Hill Avenue

Kings Hill

West Malling

Kent

ME19 4LT

 

 

Dear Mr Maynard

 

 

I am very disappointed that I am forced to write to you again, in relation to the conduct of your company. As you are fully aware on 28 January 2007, as per my rights under the Data Protection Act 1998, I made two Subject Access Requests. My first request was made to Cabot Financial (UK) Limited and my second request was made to Cabot Financial (Europe) Limited.

 

I would like to take this opportunity to refer you to the letter I received from your legal representatives Hodsons Solicitors, dated 20 February 2007. Mr Dean Spencer states:

 

Cabot Financial (Europe) Limited is contracted to act as an agent for Cabot Financial (UK) Limited (formerly Kings Hill (No.1) Limited) Your subject access request sent to Cabot Financial (UK) Limited was passed to Cabot Financial (Europe) Limited in order to process the request. We are instructed that Cabot Financial (UK) Limited does not hold any data to which relates to your request.”

 

He continues....

 

For the avoidance of doubt we are instructed that Cabot Financial (UK) Limited does not hold any data about you. It is Cabot Financial (Europe) Limited that holds the data and therefore it will be that company which responds to any subject access requests directed to the Cabot Group.”

 

Following receipt of my Subject Access Request, cheque number 300064, payable to Cabot Financial (Europe) Limited was presented for payment on 12 February 2007. As confirmed by Mr Dean Spencer, it is Cabot Financial (Europe) Limited that holds the data, so I can understand why this particular cheque was presented for payment.

 

You can imagine my surprise, to learn that Cabot Financial (UK) Ltd presented cheque number 300063 for payment on 3 April 2007. My letter of 28th January 2007, clearly states, that payment was in relation to a Subject Access Request. As Cabot Financial (UK) Limited were unable to fulfil my request can you please let me know why this cheque has now been presented for payment.

 

I cannot understand the completely unprofessional conduct of the Cabot Group of companies. I have already commenced legal proceedings against Cabot Financial (UK) Limited and I am in the process of making a formal complaint to the Financial Ombudsman Service, in relation to some of my other concerns. I would have thought that given the circumstances, you would have ensured that I would not have further cause to complain. Sadly this is not the case and I require your urgent response. I have taken the liberty of sending a copy of this email to the Information Commissioners Office and to Kent Trading Standards, both of which I will now be making formal complaints too.

 

Regards

 

 

Mr tbern123

CC Information Commissioners Office

Kent Trading Standards

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

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I am in the process of making a formal complaint to the Financial Ombudsman Service, in relation to some of my other concerns.

 

I have been told by the FOS that they do not handle complaints regarding debt collection agencies.

 

"DEBT AGENCIES

These businesses currently fall outside our cover, therefore we cannot assist you in this connection".

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I have been told by the FOS that they do not handle complaints regarding debt collection agencies.

 

"DEBT AGENCIES

These businesses currently fall outside our cover, therefore we cannot assist you in this connection".

 

Oh yes they do:

 

From 6 April 2007 all businesses with a standard consumer-credit licence (issued by the Office of Fair Trading) must – by law – have in place formal complaints-handling procedures that comply with the rules. And for the first time, these businesses will also be covered, on a statutory basis, by the Financial Ombudsman Service. These changes come about as a result of new legislation – the Consumer Credit Act 2006. The businesses affected by the new rules include:

  • businesses whose main activity is lending and hiring
  • businesses licenced for ancillary consumer-credit activities, such as debt collecting and credit brokerage and
  • many businesses - for example motor dealers and furniture retailers - where consumer credit is secondary to their main activities.

 

 

FAQs - changes in consumer-credit complaints-handling

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so shall i go back to my advisor at the FOS (who is handling 3 claims for me) and copy that text to him?

 

i also believe the above only applies to contracts entered into after 6 April 2007 so would not apply to a lot of the cases on this website.

 

i've also read somewhere that DCAs come under OFT scrutiny this year and the FOS next year on 6 April 2008?

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received a response from FOS stating that :

 

"we only consider issues against debt collecting agencies for events that took place on or after 6 April 2007"

 

So ... no help with existing complaints?

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received a response from FOS stating that :

 

"we only consider issues against debt collecting agencies for events that took place on or after 6 April 2007"

 

So ... no help with existing complaints?

 

 

No offence, tifo but when I saw your post, I couldn't believe it....

 

I called the FOS and it is true, contrary to what is on their website, they will only investigate events after 6 April 07.

 

Thanks for letting us know, very much appreciated. I had been waiting on a response from them...

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

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I am not playing anymore. That was the straw that broke the camel's back.

 

I have just sent this email to every name I could find at Cabot, the Information Commissioners Office and to Kent Trading Standards.

 

 

----- Original Message ----- From: tbern123

To: wwellinghoff@cabotfinancial.com ; jmccluskey@cabotfinancial.com ; cbowyer@cabotfinancial.com ; jrandall@cabotfinancial.com ; kmaynard@cabotfinancial.com ; bburdett@cabotfinancial.com ; spratt@cabotfinancial.com ; erobertson@cabotfinancial.com ; cabotcustomer@cabotfinancial.com ; customercare@cabotfinancial.com ; cdennison@cabotfinancial.com ; chepworth@cabotfinancial.com ; jhorton@cabotfinancial.com ; kbruno@cabotfinancial.com ; mcristi@cabotfinancial.com ; khanger@cabotfinancial.com ; anewman@cabotfinancial.com ; jadams@cabotfinancial.com ; mchellen@cabotfinancial.com ; ltaylor@cabotfinancial.com ; jkinloch@cabotfinancial.com ; kschofield@cabotfinancial.com ; jparker@cabotfinancial.com ; lgray@cabotfinancial.com ; ekemp@cabotfinancial.com ; rreynolds@cabotfinancial.com ; aarnold@cabotfinancial.com ; fkent@cabotfinancial.com ; poverton@cabotfinancial.com ; icraig@cabotfinancial.com ; lwelton@cabotfinancial.com ; ghowes@cabotfinancial.com ; kearl@cabotfinancial.com ; dchristiane@cabotfinancial.com

Cc: compliance@ico.gsi.gov.uk ; TSAdvice-SP@kent.gov.uk

Sent: Sunday, April 08, 2007 5:39 PM

Subject: Urgent Response Required - Please do not ignore this email

 

 

 

 

 

 

 

8th April 2007

 

Mr Ken Maynard

Cabot Financial (UK) Limited

10 Kings Hill Avenue

Kings Hill

West Malling

Kent

ME19 4LT

 

 

Dear Mr Maynard

 

 

I am very disappointed that I am forced to write to you again, in relation to the conduct of your company. As you are fully aware on 28 January 2007, as per my rights under the Data Protection Act 1998, I made two Subject Access Requests. My first request was made to Cabot Financial (UK) Limited and my second request was made to Cabot Financial (Europe) Limited.

 

I would like to take this opportunity to refer you to the letter I received from your legal representatives Hodsons Solicitors, dated 20 February 2007. Mr Dean Spencer states:

 

Cabot Financial (Europe) Limited is contracted to act as an agent for Cabot Financial (UK) Limited (formerly Kings Hill (No.1) Limited) Your subject access request sent to Cabot Financial (UK) Limited was passed to Cabot Financial (Europe) Limited in order to process the request. We are instructed that Cabot Financial (UK) Limited does not hold any data to which relates to your request.”

 

He continues....

 

For the avoidance of doubt we are instructed that Cabot Financial (UK) Limited does not hold any data about you. It is Cabot Financial (Europe) Limited that holds the data and therefore it will be that company which responds to any subject access requests directed to the Cabot Group.”

 

Following receipt of my Subject Access Request, cheque number 300064, payable to Cabot Financial (Europe) Limited was presented for payment on 12 February 2007. As confirmed by Mr Dean Spencer, it is Cabot Financial (Europe) Limited that holds the data, so I can understand why this particular cheque was presented for payment.

 

You can imagine my surprise, to learn that Cabot Financial (UK) Ltd presented cheque number 300063 for payment on 3 April 2007. My letter of 28th January 2007, clearly states, that payment was in relation to a Subject Access Request. As Cabot Financial (UK) Limited were unable to fulfil my request can you please let me know why this cheque has now been presented for payment.

 

I cannot understand the completely unprofessional conduct of the Cabot Group of companies. I have already commenced legal proceedings against Cabot Financial (UK) Limited and I am in the process of making a formal complaint to the Financial Ombudsman Service, in relation to some of my other concerns. I would have thought that given the circumstances, you would have ensured that I would not have further cause to complain. Sadly this is not the case and I require your urgent response. I have taken the liberty of sending a copy of this email to the Information Commissioners Office and to Kent Trading Standards, both of which I will now be making formal complaints too.

 

Regards

 

 

Mr tbern123

CC Information Commissioners Office

Kent Trading Standards

 

When I made my SAR request, I sent two cheques to Cabot. One was made payable to Cabot Financial (Europe) Limited and one to Cabot Financial (UK) Limited.

 

This is a cut and paste from my on line bank account:

 

12 February 2007 Cheque 300064. £10.00

 

03 April 2007 Cheque 300063. £10.00

 

 

 

 

In reponse to the above email, I finally had a reponse today... I am now an official member of the WW received letter fan club.

 

"Mr tbern123

 

Re: CABOT REFERENCES etc.. etc..

 

Thank you for your recent email correspondence dated 28 March 2007 and 8 April 2007 addressed to our Cheif Executive Officer, which has been passed to my attention for response.

 

I regret that you again felt the need to write to Cabit Financial (Europe) Ltd ("Cabot") in relation to this matter.

 

Cabot has noted the contents of your emails, however Cabot on behalf of the Cabot Financial Group of companies does not accept your interpretation in this matter. As you are aware the case is currently proceeding through the usual litigation process and Cabot served its defence pursuant the Order made by the Court. The matters which you have raised and which are also contained within your claim shall be considered by the court in due course.

 

Accordingly Cabot has no propsals to put forward to you in relation to this matter. Furthermore I would wich to clarify that Cabot has not presented any cheque reference 300063 for payment on 3 April 2007."

 

Ok, both cheques, were sent by recorded delivery to Cabot. Both letters were signed for. I have tonight asked my Bank for copies of both cheques. As cleary shown on my statement, cheque 300063 was debited from my account.

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

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Oh dear,

 

Me thinks this needs to be highlighted to the Judge asap. Looks like a deliberate attempt to mislead / defraud, and you have a paper trail!!

 

Tide

 

 

Tbern - I do often wonder what is in the minds of these people!!!

 

You can clearly show there is a "true paper trail" - it would be interesting to know what "kicks" these people get out of their misleading ways - because this would never wash with any judges?

 

They clearly don't intend appearing in court?? It's just a stall tactic ?

 

I reckon they just get their cheque book out and write you a nice cheque - time they stopped wasting peoples time ??? :D

 

Either that or they've gone raving bonkers :confused:

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Why are they now putting (Cabot) after their official name now, I wonder. Is it perhaps their standard on their templates to further confuse? In an attempt to convince anyone who hasn't yet had the cabot pleasure that it is just plain old Cabot they should be addressing? So if they get taken to court they can just say, "sorry m'lud, but we haven't a Scooby which Cabot the claimant is referring to. We have lots of little Cabots, so I suggest you strike this out."?

 

Or am I just being my usual cynical self? :confused:

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