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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
      • 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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Lufc V Monument & Cabot


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Monument Wouldnt Deal With Dmp Just Add More Charges Over 2 Half Yrs Yep A Very Big Claim Got My S.a.r Form And Postal Order Now Cabot State In A Letter They Have Bought The Debt From Monument So Were Can I Get A Cca Template Letter So I Can Start War Yes War With Cabot Bring It On Little Bullies Cabot Will Keep All Posted

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Monument Wouldnt Deal With Dmp Just Add More Charges Over 2 Half Yrs Yep A Very Big Claim Got My S.a.r Form And Postal Order Now Cabot State In A Letter They Have Bought The Debt From Monument So Were Can I Get A Cca Template Letter So I Can Start War Yes War With Cabot Bring It On Little Bullies Cabot Will Keep All Posted
ADVISE WELCOME
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barclay card{monument} defaulted me in feburary 2007 with 1,914 pounds but cabot

took over in june2007 but according to creditexpert cabot defaulted me in

feb2007 with a debt of 2,706 so shall i send s a r and cca to both

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hi there all... i put all my debts into a D.M.P.IN october 2005 monument card balance was then £2706...but monument put on credit file clear states £1914 with a default on 28.2.2007.......on june 10 2007 i got a letter from cabot stateing they bought the debt... on credit file.. cabot default balance states £1913.... but cabot are claiming full balance £2706 and cabot put a default on credit file 28.2.2007 so they both defaulted me on the same day AS MY D.M.P HAVE ALWAYS SENT CHECKS ON TIME

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hi there all... i put all my debts into a D.M.P.IN october 2005 monument card balance was then £2706...but monument put on credit file clear states £1914 with a default on 28.2.2007.......on june 10 2007 i got a letter from cabot stateing they bought the debt... on credit file.. cabot default balance states £1913.... but cabot are claiming full balance £2706 and cabot put a default on credit file 28.2.2007 so they both defaulted me on the same day CAN THEY BOTH DO THAT AS MY DEBT MANGMENT PROGRAM HAVE ALWAYS SENT CHECKS ON
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Not at all sure how your DMP works. But it might be worth letting them know what is happening. I was under the impression that they are suposed to do all the work for you. After all, it's what they get paid for?

 

At least then you will have an answer from the as to what, if any, problems they might have had with monument. And if monument weren't playing ball with your DMP, it's difficult to see how Cabot can expect you to pay any more than your DMP lot were trying to arrange. After all, it's all you can afford, so Cabot would have difficulty getting anything greater enforced through the courts.

 

See what your DMP lot say.

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As You Can See Monument Credit Card Have Stated If Charges Are Refuned..they Will Pay There D.c.a Which Is Cabot......the Charges By Law Are Mine And I Want The Check Paid To Me ....so Is There Any Kind Of Template Requesting Check Paid To Claimint Thanks

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There isn't a specific template letter to my knowledge but you are right - it's your money so you should be able to ask for a cheque ( I know trhat Sequenci on here has definitely done this successfully ).

 

I would send a letter ( keep a copy, recorded delivery ) simply stating that you would like a cheque made payable to xxxxxx to be sent to your address. Clearly state that any monies paid to third parties will NOT be seen as a refund of your charges.

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The charges are a separate issue to Cabot chasing you. So you could decide either to pay them whatever you can afford each month on a longer term basis or you could use some of your refund to offer them full and final settlement ( useful link for this below ). But you aren't obliged to use the money for this if you don't want to.

 

National Debtline England & Wales | Debt Advice | Factsheet 24 Full And Final Settlement Offers

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The charges are a separate issue to Cabot chasing you. So you could decide either to pay them whatever you can afford each month on a longer term basis or you could use some of your refund to offer them full and final settlement ( useful link for this below ). But you aren't obliged to use the money for this if you don't want to.

 

National Debtline England & Wales | Debt Advice | Factsheet 24 Full And Final Settlement Offers

cheers mate but you are aware that cabot are part of barclycard

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cheers mate but you are aware that cabot are part of barclycard

 

What do you mean by this lufc ? Not sure you should be posting this sort of info unless you have concrete proof. Cabot are connected to Barclaycard, but only in the sense that they 'buy' a lot of their (Barclycard's) defaulted accounts...unless you have information that you'd like to share with us all :-)

Just hate every DCA out there

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No, what LUFC is doing is showing that he has inserted foot before engaging brain. Again.

 

Until you know what you are talking about LUFC, might I suggest you stick to reading the threads and asking SENSIBLE questions before offering advice. It might seem like I'm a having a dig again, but you have already been told that Cabot now fly the flag for Japan. And you cannot go around accusing anyone of [causing problems] in an open forum without proof.

 

PLEASE THINK FIRST, POST LATER.

 

Rant over. :mad:

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  • 3 months later...

cabot sent a credit agreement 12 mths statements thats all under the c.c.a request shows checks stock piled rolling into 3 and 4 checks cashed i 1 mth ....the problem when it was a providian card i signed a credit app name,adress,income,signture, just basic was a 4x 6 app out of a sunday magg

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