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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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    • 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


tbern123
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Thanks Lizzie

 

 

I found a form a few days ago, which allows you to make an application to the court for a defence to be struck out. It said that there was a fee of £50.

 

Does any know the number of this form. I can't find it anywhere now

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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Its up to Cabot and Hodsons if they want to play merry go round with your letters but they appear to have ignored your comments that trading standards have also been informed. And if the other statutory agencies are brought in then they will have only themselves to blame when the whole house falls down on top of them.

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Guest Battleaxe

If yesterdays entertainment session in court with Mr M====r, Hodson's agent is anything to go by, they are up the creek without a paddle. his body language as he headed back towards the railway is anything to go by, he has to report back everything the Judge told him to report back and he dug the hole even deeper for them to extricate themselves out of. Two little legal budgies have been sent back to Hodson's nest to work out what they did wrong. I wonder who they are going to send to face us next time. Even the Judge commented that he and Mr M===r learnt something yesterday regarding the Data Protection Act and the Information Commissioners Office. I did laughout in court when Mr M===r said they needed more time. The Judge then ordered full disclosure Mr M got me afterwards and told me he considered I was rude. We all burst out laughing again. Poor baby.

 

Cabot and Hodsons are really losing the plot. My military law qualification does not allow me to practise in England as a solicitor, so I wonder what WW's qualifications are and where he obtained them

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This might help WW make up his mind

 

You Know You’re a Lawyer if . . . . . . . .

 

A) You charge someone for saying ‘Good Morning’.

 

B) You have a daughter named Sue and a son named Bill.

 

C) Your other car is a BMW.

 

D) When your wife says ‘I love you’ you cross-examine her.

E) Your only friends are also lawyers or work for DCAs

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"Gentlemen, when the enemy is committed to a mistake we must not interrupt him too soon. "

 

That is funny!! made me laugh loads!! :D

Yep!! I reckon these companies will sink themselves sure enough!!

 

If nothing else - we maintained a good sense of humour while dealing with many of these companies!!

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Nelson also said:

 

Either he had a premonition of Cabot, or Cabot behave like the little dictator Nelson and Wellington thrashed so soundly (and so often).

And we all know what happens to dictators, Mussolini, Hitler, Saddam, Idi Amin, Tony Bliar:)

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One thing I hate is being ignored....:mad:

 

I have just sent this email:

 

 

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

To: WWellinghoff@cabotfinancial.com

Cc: Dean.Spencer@hodsonlines.co.uk ; kmaynard@cabotfinancial.com ; gcrawford@cabotfinancial.com ; ntodd@cabotfinancial.com ; cbowyer@cabotfinancial.com

Sent: Wednesday, May 16, 2007 10:37 PM

Subject: Letter Before Action

 

 

 

 

Dear Mr Wellinghoff

 

Further to your email of 9 May 2007, I would like to thank you for taking the time to respond to my correspondence. Sadly, I find myself yet again having to take time to contact your company. As stated in your email:

 

I have forwarded your e-mail to our solicitors, Hodsons, in order to respond”

 

Sadly after seven days, I have had no response from Hodsons. As you should be aware, I wrote directly to Hodsons on 28 April 2007. I subsequently received a response from Mr Dean Spencer confirming that he must refer to his clients.

 

You can image my surprise to read in your email, that you will refer to Hodsons. As Hodsons, cannot respond to me as they have to refer to their client and Cabot cannot respond to me as they have to refer to Hodsons, it would appear that there has been a complete breakdown of communication within your organisation or deliberate attempts have been made to avoid responding to my concerns.

 

Contrary to your email and for the avoidance of doubt, please note the litigation I have instigated only relates to your ref: 1465790. This litigation, does not remove your responsibility and liability to deal with my concerns in relation to my Subject Access Request to Cabot Financial (UK) Limited (previously called Kings Hill (No.1) or the concerns I have previously expressed in relation to your ref 1173130. I can confirm that your ref 1173130 may be subject to further litigation.

 

I have noted your request for all future correspondence to be addressed to Hodsons. However, I will treat your request with the same contempt that was given to the repeated requests made to your company to contact me on my mobile phone or after 6pm. As clearly demonstrated by my Subject Access Request, these requests were documented by Cabot and ignored. So much for the Office of Fair Trading guidelines.

 

Further to my letter of 28 April 2007 addressed to Hodsons and my subsequent email to you, I respectfully ask for a response to the following questions in their entirety

  • If Cabot Financial (UK) Ltd, does not hold any data about me, why was cheque 300063 sent to them, in relation to my Subject Access Request, debited from my account on 3rd April 2007 ?


  • If Cabot Financial (UK) Ltd does not hold any data about me, what data was used to record and update the following default on my Credit File ?


Company name: KINGS HILL (NO 1) LIMITED

Account type: Credit Card / Store Card

Started: 04/02/2000

Default Balance: £3,512

Current Balance: £3,895

Defaulted On: 21/01/2002

File updated for period to: 06/08/2006

  • What happened to my cheque between the day it was received and the day it was presented for payment.


  • Why was my cheque presented for payment, so long after it was received.


  • Why have I never received any correspondence directly from Cabot Financial (UK) Ltd / Kings Hill (No.1) Ltd


  • Why did you, deny that cheque number 300063 had been presented for payment, by yourselves.


  • Why was Kent Trading Standards misinformed in relation to this cheque.


  • In relation to my personal data, are Cabot Financial (Europe) Ltd acting as a Data Controller.


In addition to a full response to my concerns, I require an immediate refund of £15.00 (£10.00 Subject Access Request and £5.00 copy cheque fee). Please accept this letter as confirmation that I will instigate further litigation within seven days, if you fail to respond to this letter in full and refund the amount requested. I am sure you will agree, considering I first raised my concerns nine months ago and Cabot have failed to effectively investigate or even respond to my concerns, I have been very patient.

 

To prevent any further delay, I have sent a copy of this email to Mr Dean Spencer of Hodsons and I will leave you both to refer to each other as much as you deem necessary.

Regards

 

tbern

 

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 going to say anything erudite here just that WTF (very erudite expression) is going on there? Surely WW knows that you are entitled to demand he deals with you and not an intermediary and that includes Hodsons.

I find that anyone who hides behind a subordinate basically lacks moral fibre and, as such, should be fed to the lions.:)

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I am not going to say anything erudite here just that WTF (very erudite expression) is going on there? Surely WW knows that you are entitled to demand he deals with you and not an intermediary and that includes Hodsons.

I find that anyone who hides behind a subordinate basically lacks moral fibre and, as such, should be fed to the lions.:)

 

Tbern - sure will be interesting to see what mutterings you hear now!!

 

Rhia - Lions it should be!!!

Seems these companies don't respond at all if they can help it - maybe we should send a pack of pens, pad of paper and some envelopes? Maybe someone forgot to buy these :D

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Tbern - sure will be interesting to see what mutterings you hear now!!

 

Rhia - Lions it should be!!!

Seems these companies don't respond at all if they can help it - maybe we should send a pack of pens, pad of paper and some envelopes? Maybe someone forgot to buy these :D

They dont trust them with pens or pencils they are too sharp. They write with crayons. They are busy getting the person with the braincell to search for a computer template.

 

It really does seem that saying sorry is the hardest thing to do:-D

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I have to say this... Cabot should take note and learn from Dean Spencer of Hodsons. If they behaved more like him, I would not have started litigation.

 

Im response to my email sent last night, I have today received 4 emails from Mr Spencer

 

Email 1

 

----- Original Message ----- From: Dean Spencer

To: tbern123

Cc: WWellinghoff@cabotfinancial.com ; gcrawford@cabotfinancial.com ; kmaynard@cabotfinancial.com ; cbowyer@cabotfinancial.com

Sent: Thursday, May 17, 2007 7:09 AM

Subject: RE: Letter Before Action

 

 

 

Mr tbern123

Thank you for your e-mail.

I hope to be speaking to Mr Wellinghoff later this morning whereafter i hope to be in a position to respond to your letter.

Dean Spencer.

I kinda feel a little guilty, he sent this at 7:09 this morning. I had only just got out of bed at that 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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Email 2

 

----- Original Message ----- From: Dean Spencer

To: tbern123

Cc: WWellinghoff@cabotfinancial.com

Sent: Thursday, May 17, 2007 3:11 PM

Subject: Cabot ats yourself.

 

 

 

Just a quick e-mail out of courtesy to inform you that I should be in a position to let you have two letters very shortly in response to your earlier correspondence,(including your letter to Willem Wellinghoff).I think I should be able to e-mail them to you tomorrow.

Regards,

Dean Spencer.

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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Email 3

 

----- Original Message ----- From: Dean Spencer

To: tbern123

Sent: Thursday, May 17, 2007 3:23 PM

Subject: Proceedings at Dartford county court

 

 

 

I am not sure if you have heard from the Court recently,but I have dropped them a line to ascertain whether directions are being given in order that the matter can progress.

If I hear anything I will inform you ,I should be grateful if you could do likewise.

Many thanks,

Dean Spencer.

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 have to say this... Cabot should take note and learn from Dean Spencer of Hodsons. If they behaved more like him, I would not have started litigation.

 

Im response to my email sent last night, I have today received 4 emails from Mr Spencer

 

Email 1

 

----- Original Message ----- From: Dean Spencer

To: tbern123

Cc: WWellinghoff@cabotfinancial.com ; gcrawford@cabotfinancial.com ; kmaynard@cabotfinancial.com ; cbowyer@cabotfinancial.com

Sent: Thursday, May 17, 2007 7:09 AM

Subject: RE: Letter Before Action

 

 

 

Mr tbern123

Thank you for your e-mail.

I hope to be speaking to Mr Wellinghoff later this morning whereafter i hope to be in a position to respond to your letter.

Dean Spencer.

I kinda feel a little guilty, he sent this at 7:09 this morning. I had only just got out of bed at that time...

 

 

Aaarrhhh - poor little fellow takes his laptop home ....:D

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Email 4

 

----- Original Message ----- From: Dean Spencer

To: tbern123

Sent: Thursday, May 17, 2007 4:44 PM

Subject: cabot

 

 

 

I have had the two letters typed and these should be in the post to you tonight,(postal services permitting) they should be with you in the morning.

Regards,

Dean Spencer.

Hodsons.

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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So in the next couple of days, I should get some answers to my questions. :D

 

I am very interested to know how they interpret things and I can't wait to find out about my SAR and the £10.00 cheque.

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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Email 4

 

----- Original Message ----- From: Dean Spencer

To: tbern123

Sent: Thursday, May 17, 2007 4:44 PM

Subject: cabot

 

 

 

I have had the two letters typed and these should be in the post to you tonight,(postal services permitting) they should be with you in the morning.

Regards,

Dean Spencer.

Hodsons.

 

tbern, I have dreams about 4.44 - used to wake up during the night digital clock always said 4.44, whenever I seem to look at a clock it said 4.44 - for years - spoooky, honest... hope our Deans not the darker side of life coming into the open :-D

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Aaarrhhh - poor little fellow takes his laptop home ....:D

 

lol, no comment.. I appreciate that he has at least bothered to respond to me in a civil manner, without trying to brush me aside. Saying that, I will wait and see what his letters say first. Can't imagine I am going to like what they say. But hay ho :)

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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4.44 ???

two thirds of the devil ???

 

If it came from Cabot, no doubt it would have been sent at 6:66pm

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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