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    • yes only court...   can I confirm this was settled via Barclaycard and chargeback as it was a debit card, rather than section 75 via a creditcard?  
    • Hi   Sorry for the delay in getting back to you don't worry we have not forgot you.   So they have destroyed ALL DATA personal to you as you did not take the Property. (really they have put there foot in it)   If they hold no personal data then they have NO evidence of what was agreed to with your Holding Deposit and the refusal to return it.   Now if it was me I would let them drop themselves in it even further by responding to there SAR response.   Thank you for your SAR Response dated XX/XX/2019   Due to this response I require clarification of the following:   1. Have you followed the Data Protection Act 2018 & General Data Protection Regulations on Destroying My Personal Data?   2. If you have Destroyed All My Personal Data then what documentation do you hold that I have signed/agreed to the Holding Deposit being Non-Refundable and to provide copies of this documentation.   3. I require a copy of your Policy on Holding Deposits   Please bear in mind the above is what I would do.   I do think it is looking like you may have to go down the court route (make sure and have a good read of that link I previously gave you to the Tenants Fee Act).
    • HI   Firstly the parking in front of your drive, do you have a pavement with a Drop Kerb in front of your property to access your driveway, if so are they infringing on the Drop Kerb? (note your can ask the council to to paint a white line with lines at the end on the road in front of the drop kerb please note there may be a cost from the council to do so)   As for the CCTV look at this ICO link: https://ico.org.uk/your-data-matters/domestic-cctv-systems-guidance-for-people-using-cctv/   Due to the new DPA/GDPR if you have CCTV on your Property and it views outside of that Properties Bounderies they then need to register as a Data Controller with the ICO.   So I would make a Formal Complaint in writing to the Councils Data Controller, ICO (specifically asking if this individual is Registered with them as a Data Controller) & Police, you need to keep a good paper trail of this individuals actions.   I hope this individual knows the Law on Harassment as from your thread that is the impression I get is no matter what you do they will find something else to complaint about.  
    • Most guarantees are not transferable anyway to the new owner so why a solicitor should request it is pointless.The quotes should suffice to prove the work was carried out.   Andy
    • Apologies for the prolonged radio silence!   To cut a very long story short, I went back to Barclaycard (because I bought the car with my VISA card) and they offered to repair the car at a cost of £2500.   We accepted the offer because we were advised that even if we went to court and won the case, there was no guarantee that the dealer would give us our money back anyway or would end up paying us £10 a week for the next umpteen years.   The decision to have the car repaired was also made in the light of the fact that apart from the gearbox issue the rest of the car was in good nick. It is running fine after nearly 4 months now, so even if our friend gets a few more years out of it it will have been worth it.   Now that it is all settled I can reveal the name of the dealer - it was Thatcham Motor Company, in Thatcham, Berks. Very pleasant to deal with at first whilst everything was ok but boy oh boy, beware if anything goes wrong!   Similarly Momentum Warranties who provided the 6 months "warranty". On paper this warranty apparently covers practically every conceivable fault that the car might develop until you try to make a claim!   It seems that only if a component physically breaks that any cover is provided, otherwise they will hide behind the "fair wear and tear" get-out clause. Can an ECU unit be subject to wear and tear?   I would not touch either of these outfits again with the proverbial barge pole. Buyer beware!   One further thing I forgot to mention. We ran up considerable expenses trying to sort all the issues - the engineer's reports, travel costs etc.   Is it too late to try to claim these back from the dealer now? I just ran out of energy by the time Barclaycard agreed to pay for the repair but now the dust has settled I am up for it again!   Would this have to be done via the Small Claims Court?
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Bigbearuk

Ruthbridge LTD

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I think Mr Maxwell has been on holiday because today he called not heard anything from him for over a week and left a nice message on my mobile which will be added to the recordings i have of him so it looks like he got my S.A.R on his return :)

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hi bigbear i haven't heard a thing since he sent me a letter to say i have to pay in full by today!!!!!!!!!!!!!!!!!!!!!!!!!!.. MY 12+2 days are up on the 15th Aug i tracked the cca i sent them and it was signed for on the 30th july:)

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Hi manf,

 

i am 2 weeks ahead of you my 12 + 30 days are up on the 28th august :)

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oh another letter from express delivery today asking me to call them and another breach of the OFT guidelines by ruthbridge

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Hi guys i need some advice,

 

I got a letter today from ruthbridge it's headed COURT WARNING NOTICE, stating they are going to serve court papers on me in 7 days unless i phone there enforcement office to discuss ways i can pay, I sent them a CCA request and it's 12 + 18 days now plus a S.A.R 1 week ago and nothing just took the money off the total debt

 

Need help with what i should do next

 

BB

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a) Wait for the court papers to arrive, and defend. Making sure you turn up with all their threatening letters as well as a solid defence of no CCA=no enforcable debt amongst other goodies.

b) Phone the number and tell them, Silly Me, I'll pay after all.

c) Visit Mr Maxwell with a big stick.

 

Clue: One of the answers would put you in jail, one of the answers would put you in the loony bin, and one of the answers is correct.

 

Answers on the back of a blank cheque to. . . :D

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a) Wait for the court papers to arrive, and defend. Making sure you turn up with all their threatening letters as well as a solid defence of no CCA=no enforcable debt amongst other goodies.

b) Phone the number and tell them, Silly Me, I'll pay after all.

c) Visit Mr Maxwell with a big stick.

 

Clue: One of the answers would put you in jail, one of the answers would put you in the loony bin, and one of the answers is correct.

 

Answers on the back of a blank cheque to. . . :D

 

 

Hi,

 

 

I'm going to send my cousin round to carry out option c!:)

 

 

When he gets out of jail!!!:D

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i got another nice letter today from Cabot returning my £1.00 for the second time, stating they don't accept the £1.00 fee for a CCA request and please be patience with them while they try and find it :)

 

maybe they are still unpacking from there move to those lovely new offices :rolleyes:

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well, ruthbridge are passed there 12 + 30 days and still no CCA not that i was expecting one anyway, it looks like cabot europe have taken over because all my letters are now coming from Emma at cabot

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Emma can't be very important as far as Cabot are concerned. They haven't bothered to give her n email address.

 

Unless, of course, there IS no Emma. Does that look like a real signature on her letters? Not to me, it doesn't.

 

Emma, if you are real, please let us know. Knock once for yes, twice for no. :D

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LOL

 

You are right seahorse, i did think some school kid had written it with pencil at first sight

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I sent Cabot a letter on the 13th July received on the 16th Signed for at 07.30, so far no reply, i sent them the same letter again on the 17th August the same thing received on the 20th August signed for at 07.30, this time a reply from cabot asking me to give them time to deal with my request,(it was a complaint not a request)

 

I have not heard anything since the last letter and in both letters i gave them 10 working days to reply regarding my complaint, the letter i sent them is the one done by seahorse at the beginning of my tread :)

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Got a nice letter today from Cabot asking for more time to look into my complaint regarding ruthbridge and cabot (Europe) and a nice little leaflet about the FOS

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Got a nice letter today from Cabot asking for more time to look into my complaint regarding ruthbridge and cabot (Europe) and a nice little leaflet about the FOS

 

 

 

 

It's amazing how these companies ask for more time to deal with complaints etc, yet at the same time they ask for full payments immediately of debts they cannot prove!

 

Total w*****s!

 

 

Jeff.

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If Cabot have successfully obtained a CCJ, does that then negate the requirement for them to provide a CCA?

 

I'm wondering if the debt is still unenforcable...

 

I've never had any reply to my CCA request (requested after CCJ was obtained).

 

Just plotting my next move...

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I think the point I was trying to make (not very well!) is...

 

If after a CCJ I request a CCA, and they fail to provide, is the debt unenforceable? Or does the fact they have a CCJ negate that?

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ok got 4 letters today from cabot just need to read them and post them on here because the ones i have read i cannot make any sense of them, cabot are saying the purchased my account on the 21st June 2001 from MBNA,

they also sent me a copy of a letter from MBNA with my my old address on forming me they had passed my account to cabot but the letter was dated 03rd September 2007

 

i will try and sort this mess out tonight and post more info later

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Oh, yes. I see. Cabot will have produced the letter from MBNA themselves, I'm guessing. But since they don't keep copies of letters they SAY they send, they'll have run another template off. Hence this month's date on it.

 

Who the feck do they think they are trying to fool? Halfwits, the lot of them. :D

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That would really stand up in court - even if they changed the date at their end you have the one they sent you as evidence. Haha - it's a good job we don't have to work hard to beat these dimwits.;)


BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I spoke to MBNA today regarding the letter they sent to my old address and dated 03rd September 2007,

 

It turns out they did not send me the letter in-fact they have not sent me a letter since 2004, MBNA were very interested in who sent me the letter and they asked me to fax them the letter i explained it was a copy of a letter sent to me by cabot,

 

The letter

 

03rd September 2007

 

Re:

 

Dear Mr Bigbearuk

 

Please accept this letter as confirmation that your outstanding balance due under the about account has been assigned to KINGS HILL NO 1 LIMITED part of the cabot financial group.

 

The Address is

 

Cabot Financial (Europe) Limited

PO BOX 241

West Malling

Kent

ME19 4LT

 

All enquiries regarding this account, including accurate balance information, together with future payments, should be made directly to this company

 

Your Sincerely

 

 

Stuart Ashcroft

recovery Manager

 

 

Note the spelling mistake :) and the letter was not signed

 

Mr Ashcroft was very surprised he sent me a letter as MBNA passed my account onto Cabot in 2001. The girl in customer services was very helpful i told her i had sent cabot a CCA and S.A.R request and she laughed when i said i have received the letter and a bit of paper cabot are trying to tell me is my Credit agreement when the nice lady said it would only be a application form.

I am not sure about that so will need to scan the bit of paper and post on here it does state on the paper "This is a credit agreement regulated by the consumer credit act 1974, sign it only if you want to be legally bound by its terms" on the top somebody has stuck a big white sticker on half of it you can only see the word form

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How do you resize on here?

 

i posted the form but it was only a thumbnail image

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