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    • Good afternoon,    I am writing in reference to the retail dispute number ****, between myself and Newton Autos concerning the sale of a Toyota Avensis which has been found to have serious mechanical faults.    As explained previously the car was found to be faulty just six days after purchase. The car had numerous fault codes that appeared on the dash board and went into limp mode. This required assistance from the AA and this evidence has already been provided. The car continues to exhibit these faults and has been diagnosed as having faults with the fuel injectors which will require major mechanical investigation and repairs.    Newton Autos did not make me aware of any faults upon purchase of the vehicle and sold it as being in good condition.    Newton Autos have also refused to honour their responsibilities under The Consumer Rights Act 2015 which requires them to refund the customer if the goods are found to be faulty and not fit for purpose within 30 days of purchase.    Newton Autos also refused to accept my rejection of the vehicle and refused to refund the car and accept the return of the vehicle.    It is clear to me that the car is not fit for purpose as these mechanical faults occurred so soon after purchase and have been shown to be present by both the AA and an independent mechanic.   Kind regards
    • Commercial Landlords are legally allowed to sue for early cancellation of the lease. You can only surrender your lease if your landlord agrees to your doing so. They are under no obligation even to consider your request and are entitled to refuse. You cannot use this as an excuse not to pay your rent. Your landlord is most likely to agree to your surrendering the lease if they want the property back in order to redevelop it, or if they wants to rent it to what they regards as a better tenant or at a higher rent. There are two types of surrender: Express surrender in writing. This is a written document which sets out the terms of the surrender. Implied surrender by conduct. (applies to your position) You can move out of the property you leased, simply hand your keys back and the lease will come to an end, but only if the landlord agrees to accept your surrender. Many tenants have thought they can simply post the keys through the landlord's letter box and the lease is ended. This is not true and without a document from the landlord, not only do you not know if the landlord has accepted the surrender, you also do not know on what basis they have accepted and could find they sue you for rent arrears, service charge arrears, damage to the property and compensation for your attempt to leave the property without the landlord's agreement. Unless you are absolutely certain that the landlord is agreeable to your departure, you should not attempt to imply a surrender by relying on your and the landlord's conduct.  
    • I had to deal with these last year worst DCA I have ever dealt with. Just wait for the constant threats of CCJ and how you'll lose in court and how they won't do mediation and they want the judge to question you with a load of "BIG" words to boot with the letter. My case was struck out in the end, stupidity on their part as I admitted to owing the debt in the end going through the court process was just a formality as they wouldn't let it drop despite me admitting the debt regardless. They didn't send the last part of the court paper work in so it ended up being struck out     .
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    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
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Duffers mum v Sainsburys Bank


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http://i750.photobucket.com/albums/xx143/DuffersMum/Sainsburys/003.jpg

 

This is the agreement they sent, the original lot of T&C's that they sent are shown on the first page of this thread #15 I will go and find the most recent set that they sent and get them uploaded shortly.

 

The 12% is the figure that Cabot quoted on their correspondence, i think its the standard rate they charge..but am sure i wasn't paying that when I got out the credit card!

 

I only ever received 2 DN and these are again shown on the first page of this thread, one gives a straight 14 days, but allows no time for the service, the other one allows 5 days!

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Ok - if the DN's are not compliant then they can not enforce the agreement in Court until they send one that does comply.

 

If the 12% was not part of your original agreement then they cannot charge this amount - unless the original rate was variable - and they have sent you a notice of variation. (They won't have done this i bet).

 

If Cabot sent you the wrong T&C's when they responded to your CCA request then they have not complied with your CCA request - and so cannot enforce the agreement until they do.

 

This is what they need to do to comply with a CCA .

 

Have Sainsbury's told you to who, and when, they sold the agreement?

S.78 request requirements.pdf

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The right to cancel bit is showing on the document in post #174 above. I'm totally confused about this..its driving me insane! I did receive a NOA from Sainsbury's which was sent by Cabot. The only interest rates mentioned are those in the t&cs in post. I take it from reading your post that Cabot should not have been charging me interest until they sent me the correct T&C'S? But now they have sent them (according to them and I can't say they are not correct) they can charge interest from that date but not at 12%? Sorry for appearing so stupid!

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That doc does not show your right to cancel - it only says that you have a right to cancel - but that the terms of your right to cancel will follow.

 

That NOA was probably not from Sainsbury's - did Sainsbury's send you a copy in their reply to your SAR? That is why i think you need to contact Sainsbury and ask them to who, and when, the agreement was sold.

 

Cabot should not be charging you 12% interest full stop - they have no right to just make up a figure and try and charge you for it - You should report all this to the Office of Fair Trading.

 

Forget about WHEN they sent you the T&C's i don't believe that is relevant to when they can and cannot charge you interest - the issue is the amount they are trying to charge and if they are entitled to do so - and they are not.

 

Regardless of that - they have not supplied compliant DN's - and have not satisfactorily responded to your CCA request - as such they cannot enforce the debt in Court.

 

i would just ignore them for now - but contact Sainsbury to find out when, and to who they sold the debt - and to confirm this in writing - and ask them to provide you with a copy of the NOA.

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That doc does not show your right to cancel - it only says that you have a right to cancel - but that the terms of your right to cancel will follow.

 

That NOA was probably not from Sainsbury's - did Sainsbury's send you a copy in their reply to your SAR? That is why i think you need to contact Sainsbury and ask them to who, and when, the agreement was sold.

 

Cabot should not be charging you 12% interest full stop - they have no right to just make up a figure and try and charge you for it - You should report all this to the Office of Fair Trading.

 

Forget about WHEN they sent you the T&C's i don't believe that is relevant to when they can and cannot charge you interest - the issue is the amount they are trying to charge and if they are entitled to do so - and they are not.

 

Regardless of that - they have not supplied compliant DN's - and have not satisfactorily responded to your CCA request - as such they cannot enforce the debt in Court.

 

i would just ignore them for now - but contact Sainsbury to find out when, and to who they sold the debt - and to confirm this in writing - and ask them to provide you with a copy of the NOA.

 

 

Thank you :) I did send Sainsbury's an SAR to which they have responded so I will have a look through all the stufff again later and see what I can find out in respect of the NOA (pretty sure it wasn't in the bundle they sent through). When you say "the issue is the amount they are trying to charge and if they are entitled to do so and they are not" is that because it doesn't state it in the agreement (I couldn't find anything stating that in the T&CS but then it might be worded carefully and I missed it)?

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You must chase up that SAR from Sainsbury. As DOH says, it is worth ringing them and demanding some information. Tell them you have an outstanding SAR request.

 

I think that the fact that you are fighting this will put Cabot off but definitely report them to OFT for pursuing you for a debt which you are disputing

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Sainsburys did send me the info from the SAR request, I did look through it when I received it, but didn't really know what I was looking for, so i'll go and dig it all out again.

 

I definately am disputing the amount of the debt with Cabot as its £2K more than it was when they took it over and why should they be able to charge interest and make money like that when they paid a pittance for the account. that they turned down my F&F of 10% when they knew I was unemployed (because I sent them a copy of my JSA award, minus the personal details obviously), so i really don't know what the hope to gain from it, apart from maybe a charging order at some point, which is obviously a worry for me and DH.

 

I will report back when i've gone through the SAR stuff again shortly. Once again thank you for your input :)

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Have checked through everything Sainsbury's sent me and there is no NOA and no copies of the DN, there is also no copy of the T&C's that Cabot have provided as being relevant at time account was opened. There is a screen print of when they sold this to Cabot, but no letter addressed to me advising of same.

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Duffer's mum, have the provided you with a communication log/diary of events? It should look like a computerised diary which shows all the actions taken.. letters will be identified probably by code.. but we can probably work those out..

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Duffer's mum, have the provided you with a communication log/diary of events? It should look like a computerised diary which shows all the actions taken.. letters will be identified probably by code.. but we can probably work those out..

 

Oh there are lots and lots of pages with things on that I don't understand :) but they have provided an list of what all the abbreviations etc mean, I will look through later and see what I can find :)

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Duffers Mum, I had the same problem with Crabot with an old Yorkshire Visa Card, they were adding on 12% but could not supply CCA due to age of account, Now it seems to me without a job, a dodgy CCA to say the least these muppetts know they have a lemon, time for you to baton down the hatch write once more and say, see you in court, Account in Dispute you have not sent me what I believe is a valid CCA... As one Cager said, if and it is such a big if they are daft enough to go for it defend it on the CCA not being supplied. Bet your bottom dollar they will not see the inside of the court room, going through the same as you with them on two barclay accounts, a Reconstructed one full of holes no address no name nothing just a screen shot, even the dates don't add up,,, only letter back is IN DISPUTE TILL YOU PRODUCE VALID CCA IF YOU DON'T LIKE IT SEE YOU IN COURT...

 

Put it behind you, you are unemployed I would offer 25p if I were you... simples

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[sIGPIC][/sIGPIC]Happyhippy1959

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I did report Cabot to the OFT and have now received their (standard) response...however the more people who complain the more notice they may take so I'm glad I did it! Have been busy this week but will write a final letter over the weekend and see what their response is!

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Haven't got round yet to writing to Cabot, but received another letter from them today..headed "Important Notice" Plese do not ignore! They go on to say that my account continues to be in default, despite previous correspondence from them blah blah blah...According the outstanding balance is payable immediately. They then go on to say, again, that they will either instruct an external DCA (surely thats what they are themselves :p ) or commence legal action to recover the debt if my account meets their litigation criteria!

 

So where do I stand, they are requesting the full outstanding balance on the back of a dodgy DN from Sainsburys...is that something I can use to my advantage? Or can that only be done with the original creditor?

 

I guess now is the time to write back to them, and reiterate i'm unemployed, with a disability and with no income so what do they expect me to do..rob a bank?

 

If anybody can help with this i'd be very grateful.

 

Thought it interesting though their sentence about if an account meets their litigation criteria..never seen that before..something new maybe?

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A lot of the companies in the 'debt industry'' have to arms,

one a debt purchaser the other a debt collector, they will

at times spread their risk by assigning a debt they own to another

debt collection agency, this also gives the debtor a false implicaton

that a ''higher authority''is now chasing them for payment.

I think I would send them the 'prove it' letter from the CAG

library just for fun you can tell them the full score after that.

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  • 4 weeks later...

Quick update, received another letter from Cabot this morning, offering me a reduction in the outstanding balance :D unfortunately i still can't afford what they are offering. It is quite an interesting offer though as it is much lower than what the outstanding balance was when they purchased the account, and before they added a shed load of charges themselves. Should I look optimistically on this as possibly meaning they know they don't have the proper paperwork and wouldn't stand much chance if it went to court? Are they likely to come back with a further reduced offer do you think as if I could get this one paid off and dealt with it would be a weight off my mind?

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  • 2 weeks later...

It may well be best to see this off now as they may

just go back to the original amount and/or sell on.

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I would very much like to, unfortunately I don't the sort of money they are asking for! I was just wondering whether their offering me a discount meant they didn't think it would get very far if it went to court :) the F&F I offered them previously was turned down flat by them (10%) this is more like 6 x that amount :(

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agh Duffers mum, when they write to you they write to me... Same letters as well.... I have stuck to my guns it's a pre 2007 agreement they have no agreement just a blank load of rubbish terms that cover god know's what. I just reply back see you in court end off. If you think you can win with a set of screen shots go ahead.

 

I have not had any offer of discount as yet, and Crapbot has said they wont talk or enter into any correspondence with me anymore..... Just stick to your guns, I had a blank recon sent and I saw of Argos when they tried that one with Bryan Carter even started the court proceedings, soon as they knew your going to fight its off the radar, they sent to another DCA who had the letter ACCOUNT IN DISPUTE Simples really. Don't let em bully you....

[sIGPIC][/sIGPIC]Happyhippy1959

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I have been told that what they have sent me isn't compliant, but I'm also aware that judges don't seem to care about that anymore, when they write to me I just ignore them, however this is the first time i've received a letter offering a discount...

 

I could reoffer the F&F from before, without prejudice, I suppose.

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