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    • Thank you. You contacted directly with the parcel broker so your best option is to proceed directly against them for breach of contract. I hope you have read enough to understand that you will not be able to rely on the Consumer Rights Act 2015. Do you understand why? Have Parcel to Go giving you a reason for declining reimbursement? Do you have anything in writing from your customer which shows that they did not refuse delivery and which identifies the actual circumstances of the situation?
    • Which Court have you received the claim from?  CIVIL NATIONAL BUSINESS CENTRE, NORTHAMPTON Name of the Claimant?  LOWELL PORTFOLIO LTD How many defendant's joint or self?  SELF Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.  03 MAY 2024 Particulars of Claim What is the claim for – the reason they have issued the claim?  THE CLAIM IS FOR THE SUM OF £6000 DUE TO THE DEFENDANT UNDER AN AGREEMENT REGULATED BY THE CONSUMER ACT 1974 FOR A LLOYDS BANKING GROUP PLC ACCOUNT WITH AN ACCOUNT REFERENCE OF (ACCOUNT NO. 16 DIGITS LONG). THE DEFENDANT FAILED TO MAINTAIN CONTRACTUAL PAYMENTS REQUIRED BY THE AGREEMENT AND A DEFAULT NOTICE WAS SERVED UNDER S.87(1) OF THE CONSUMER ACT 1974 WHICH HAS NOT BEEN COMPLIED WITH. THE DEBT WAS LEGALLY ASSIGNED TO THE CLAIMANT ON (DATE) NOVEEMBER 2016 NOTICE OF WHICH HAS BEEN GIVEN TO THE DEFENDANT. THE CLAIM INCLUDES STATUORY INTEREST UNDER S.69 OF THE COUNTY COURTS ACT 1984 AT A RATE OF 8% PER ANNUM FOR THE DATE PF ASSIGNMENT TO THE DATE OF ISSUE OF THESE PROCEEDINGS IN THE SUMBE OF £0.00. THE CLAIMANT CLAIMS THE SUM OF £6000. What is the total value of the claim? £6500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? YES, NOTICES OF CLAIM.  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  YES  Did you inform the claimant of your change of address?  NO Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  CREDIT CARD When did you enter into the original agreement before or after April 2007?  BEFORE   Do you recall how you entered into the agreement...On line /In branch/By post?  I DONT RECALL   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  NO   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  DEBT PURCHASER.   Were you aware the account had been assigned – did you receive a Notice of Assignment? THE FIRST I RECALL WAS A LETTER FROM LOWELL SAYING THEY NOW OWNED THE DEBT.  Did you receive a Default Notice from the original creditor?  NOT THAT I RECALL OR BEEN PROVIDED WITH THROUGH CCA REQUESTS.AT LAST REQUEST THEY SAID THEY WERE AWAITING THE DEFAULT NOTICE AND NO ACTION WOULD BE TAKEN UNTIL RESPONDED WHICH TO DATE I'VE NOT HAD OR SEEN.  Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  NO, I RECEIEVED LETTERS OF CLAIMS   Why did you cease payments?  I WAS UNDER MEDICAL CARE WHICH CAUSED ME NOT TO WORK. AROUND THAT TIME LOWELL HAD WANTED ME TO INCREASE MY PAYMENTS AS IT WOULD TAKE TOO LONG TO CLEAR THE DEBT. I HAD BEEN PAYING THEM WHAT I WAS PAYING THE BANK. I EXPLAINED MY THEN HEALTH & FINANCIAL POSITION AND THAT I WAS UNABLE TO DO SO. THEY PUT A HOLD ON MY ACCOUNT FOR A FEW MONTHS SO I CANCELLED MY DIRECT DEBIT. I MADE A FULL AND FINAL OFFER WHICH WAS REJECTED. WHEN THEY WANTED PAYMENTS TO RESUME I EXPLAINED I WAS IN A WORSE FINANCIAL POSITION, STILL UNDERTAKING TREATMENT AND NOW UNEMPLOYED SO COULD NOT START PAYMENTS AS THEY WANTED. AFTER SENDING MY FINANCIAL SPREADSHEET THEY KEPT SENDING LETTERS ASKING WHAT I WAS GOING TO DO. I COULDN’T SEE A WAY FORWARD I FELT STREESSED AND UNDER PRESSURE SO WROTE THAT I WOULD NOT BE CORRESPONDING WITH THEM ANYMORE.    What was the date of your last payment? NOVEMBER / DECEMBER 2018   Was there a dispute with the original creditor that remains unresolved? NO   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I COMMUNICATED MY FINANCIAL PROBLEMS WITH THE CREDIT CARD COMPANY, WE MADE A MONTHLY PAYMENT AGREEMENT WHICH WAS KEPT FOR SEVERAL YEARS UNTIL DEBT WAS SOLD.  
    • Perhaps you would care to read this and reflect on your continuing comparison of Israel to Nazi Germany Jugg    ALEX BRUMMER: How grotesque of pro-Palestine protesters to besmirch Auschwitz, the place where my grandparents died WWW.DAILYMAIL.CO.UK As the son of a refugee from the horrors of the Holocaust, I can feel nothing but contempt for the ignorance, gross... My elderly aunt Sussie and cousin Sheindy had been teenagers at Auschwitz and Belsen but survived and are alive to this day. What they will make of the protesters who waved flags, heckled and chanted as Israelis took part in the March Of The Living – the annual walk from Auschwitz to Birkenau – I cannot imagine. The images now circulating of the protesters are indescribably disturbing. They can only bring back memories of those final moments Sheindy shared with my grandparents when my grandmother Fanya squeezed her hand and told her to lie about her age to avoid the gas chambers. Claiming she was older, and could work, meant that Sheindy lived, not died. The outrage perpetrated by Hamas on October 7 has brought back the most terrifying memories for these two women – memories of pillage, mutilation and starvation. The Holocaust, or Shoah to use the Hebrew word, was the deliberate, industrial-scale killing of Jews.  It is bad enough that pro-Palestinian and pro-Hamas sympathisers have chosen to steal the language of the Holocaust.  Any comparison between Israel's retaliation and the monstrous genocide of the 1940s is odious and anti-Semitic
    • Thank you JK2054 and BankFodder for your replies. The information requested is as follows:   My wife and I are sole traders supplying bespoke, handmade wedding trays and other items through our website. We do not sell on ebay. We had an order for two trays (invoice value £370) that were shipped on Monday 25th March. We used P2G as the broker and Evri as the shipper. We declared the value but did not take out insurance. As the trays were a present for a wedding on Saturday 30th March we checked the progress of delivery on the Thursday to see that there had been an attempt to deliver on the 27th but the driver failed to deliver as the customer’s gate was shut (customer informs us that the gates are open between 7am-7pm. We contacted the customer who informed us she had been waiting in all week and there had been no attempt of a delivery. Evri allege they attempted to deliver on the 28th & 29th. On the P2G web site on the 4th April at 14.17 it stated that the customer refused delivery. At 14.28 it updated to say there was a problem with the address and at 14.32 updated to say the customer had refused delivery. At 14.35 updated again to say it was being returned. Last entry was on the 7th April that it was being processed at the depot. We never received it. I have had six web chats with P2G between the 4th-30th April. On the 26th April, I had an offer of £20 plus cost of delivery (£6.72) from P2G which I rejected. During this time, I also contacted Evri that resulted in an email from Evri Customer Services (20th April) stating that they had lost the parcel. I replied requesting details of the attempted delivery but received no reply. After emailing Evri again on the 23rd asking again for the information I received a phone call from someone called Haleemah on the 25th who apologised and promised to send an email with a link to submit a claim form. I subsequently received an email with the link which only took me to a page that stated “Page not found”. After informing Evri customer services of the problem (to which no reply was forthcoming) a couple of days later I retried the link but it only took me to the Evri website. I believe that I have a good case against both companies but would appreciate guidance on which path to go down. I have read most of the information on this site, which has been very helpful and much appreciated, particularly the various court transcripts. I appreciate that this process is a marathon and not a sprint and am fully aware that I need to get everything in the correct order before starting on the legal road. I am sure this covers the current position but if further info is needed please let me know.  
    • Everything at small claims revolves around informality and common sense, there are no "special" ways to have to do things. The site manager's WS will be like yours and the one I linked to - just much shorter.  There need to be the introductory hearings about the case, the parties, etc., and the concluding Statement of Truth. In the middle just a couple of paragraphs where they say who they are, how they know you, and about permission being given by the landowner to use the car park. Superb.  I've added another section about the signage to the suggested WS sections three posts above. Yes, it's perfectly possible.  It'd be a good idea to phone the court on the 18th to see if they have paid.
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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.

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      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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DLA overpayment


pauld56
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Hi all

Wonder if anyone can help, I was informed in October 2007 that I was to be interviewed under caution by the DWP for not informing them to a change in circumstances. I had been recieving DLA Mobility High rate since 1995, and used the DLA to get a car on the Motability scheme. I was interviewed by DWP Fraud investigators and shown a witness statement taken from my Line Manager who was asked basic questions about me ie my work pattern and duties. I am a line manager and my job is clerical, I walk very short distances around the office. I was also shown a video taken of me at my place of work, this video shows me leaving the building to go for a "fag break" again a short distance. Also on the video it showed me on a shopping trip with my sons into the city, they claimed I walked about 2 miles or about 2 hours without a break. However the video was edited in fact the total lenth of the video is 55 mins.

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Hi all

Wonder if anyone can help, I was informed in October 2007 that I was to be interviewed under caution by the DWP for not informing them to a change in circumstances. I had been recieving DLA Mobility High rate since 1995, and used the DLA to get a car on the Motability scheme. I was interviewed by DWP Fraud investigators and shown a witness statement taken from my Line Manager who was asked basic questions about me ie my work pattern and duties. I am a line manager and my job is clerical, I walk very short distances around the office. I was also shown a video taken of me at my place of work, this video shows me leaving the building to go for a "fag break" again a short distance. Also on the video it showed me on a shopping trip with my sons into the city, they claimed I walked about 2 miles or about 2 hours without a break. However the video was edited in fact the total lenth of the video is 55 mins. After the interview i was informed in the December 2007 that my DLA was stopped and the overpayment was to go back to October 2006 on the evidence of another witness who claims to have seen me shopping in a local supermarket about a year ago !! I am still waiting to hear from the DWP of any other action ie Criminal action, caution, the interview was some 5 months ago now. Any advice/comments would be most welcomed. Sorry its a bit long winded.........Pauld56

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I don't know, what have they told you about rights to appeal and stuff?

Any posts submitted here on the Consumer Action Group under the user name GlasweJen may not necessarily be the view of the poster, CAG or indeed any normal person.

 

I've become addicted to green blobs (I have 2 now) so feel free to tip my scales if I ever make sense.;-)

 

 

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I don't know, what have they told you about rights to appeal and stuff?

Just the normal thing I have the right to appeal, and to supply any new evidence to support the appeal, but I'm stuck as still do not know what follow up the DWP are to do apart from the overpayment. Has any one else bee in this situation ? thanks for the reply

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Right Paul time for action. YOu want to send a SAR specifically asking for the tape they showed you plus anything else they have on your file (advice on preparing a SAR is in the letters area but if you need help just shout).

 

When you get your info back you need to sit and highlight anything that is wrong or misguiding.

 

With the tape sit and watch it and write down stuff like "start - 5 mins 01/01/07 0900, at work. Walked X meters to take a cigarette break. 5 mins - 10 mins 01/02/07 noon, at Tesco. Walked X meters to collect essential items of shopping. Rested for Y time." Sounds daft but it's to show that the tape has been highly edited.

 

Get onto your doctor or consultant or both and request a report on your medical condition.

 

If you have a carer (this can be your wife, kids, a neighbour or someone you employ to be carer) get them to write a statement saying in which ways you need cared for and how often.

 

Add in anything else you think is relevant, can you use public transport? Can you cook a meal for yourself? What happens if you walk too far without rest?

 

Photocopy it all, send a copy away with a letter saying you want to appeal and hope for the best. If it goes to tribunal don't panic, lots of claims are dealt with at tribunal and they tend to favour the disabled person.

 

If you need any more help just give a shout or try PM bookworm who is well clued up on this stuff.

Any posts submitted here on the Consumer Action Group under the user name GlasweJen may not necessarily be the view of the poster, CAG or indeed any normal person.

 

I've become addicted to green blobs (I have 2 now) so feel free to tip my scales if I ever make sense.;-)

 

 

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I always understood to get the mobility component of Disability Living Allowance, your disability must be severe enough for you to have the following walking difficulties, even when wearing or using an aid or equipment you normally use:

  • you are unable or virtually unable to walk, or you have no feet or legs, or
  • you are assessed to be both 100% disabled because of loss of eyesight and not less than 80% disabled because of deafness and you need someone with you when you are out of doors, or
  • you are severely mentally impaired with severe behavioural problems and qualify for the highest rate of care component, or
  • the effort of walking could threaten your life or seriously affect your health, or
  • you need guidance and/or supervision from another person when walking out of doors in unfamiliar places

The DWP probably believe that because you can walk short distances around the office and you do not need guidance or supervision, that you have exagerated your claim and were never entitled to the high rate or any rate at all. Did you not realise from the DLA claim pack/guidance notes and letters that you may have been receiving the incorrect level of benefit?

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what we've got to remember is that sometimes people walk because they have no choice but they do so with considerable discomfort or pain. They can also walk in a specific manner; slowly, taking breaks, leaning on something, getting breathless etc. So the fact that you walked is not the indicator that you do not qualify for higher mob component; it's the effect of walking on your health, the manner of walking, the discomfort and pain it has caused, the distance, the time, the speed.

Do you have assistance from any advice agency/solicitor?

[sIGPIC][/sIGPIC]

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Hi Joa

Thank you for the reply I have seen the CAB and there dealing with the overpayment, but as for legal advice No I did seek advice and take a solictor with me to the interview under caution in October 2007 but he just sat there and said nothing and his advice to me afterwards was "Wait and see what happens" and as to date I still don't know what if any action by DWP Fraud are to take is this normal to wait so long before they decide if to take action ? Thanks again

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Not at all I had a Benefits doctor come to my home and he agreed that I should get DLA High rate mobility also my own GP and hospital consultant agreed I was awarded the DLA in 1995 I have been in my job since 2001 as I under the impression you are allowed to work while getting DLA, just as a after note since my DLA was stopped my condition as deterated and is starting to effect my Attendance at work, I am also back on Morphine Sulphate for pain a strong pain killer I was able to come off some time ago but now I am back on a high dose and in constant pain ... So if any thing the DWP are proberly going to be responsible for me having to stop work, paying taxes national insurance. I will then of course have to claim Incapacity Benefit or the new ESA allowence and of course become a burden on the tax paying people of the UK ... So who is the winner ?

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hi

I am a bit confused have some people replied via personal message,

 

No just on here I really do need some serious advice if you can help i would be most greatful

 

Paul

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subbing to this

 

hope you get it sorted

 

ive applyed for dla as i have 2 torn discs in me back

l4/l5 they thought it wa syatica at first and i cant walk properly or for long

applyed 6 weeks ago and still nothing

im on morphine as well 3 60mg a day and oramorph for wen i need a pain relife boost also gabapentin 3 300mg

to sort the pain and numbness in me leg

 

any way hope you get sorted soon m8

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the applications take ages to go through DCG so don't be surprised if something comes through your door in the next 3 or 4 weeks. If you want you can call up and ask for the status of your application.

Any posts submitted here on the Consumer Action Group under the user name GlasweJen may not necessarily be the view of the poster, CAG or indeed any normal person.

 

I've become addicted to green blobs (I have 2 now) so feel free to tip my scales if I ever make sense.;-)

 

 

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subbing to this

 

hope you get it sorted

 

ive applyed for dla as i have 2 torn discs in me back

l4/l5 they thought it wa syatica at first and i cant walk properly or for long

applyed 6 weeks ago and still nothing

im on morphine as well 3 60mg a day and oramorph for wen i need a pain relife boost also gabapentin 3 300mg

to sort the pain and numbness in me leg

 

any way hope you get sorted soon m8

Hi DCG

Just an update I got a summons to attened the Magistrates Court on the 11/April/207 to face a charge under section 112 (1A) of the Social Security Administration Act 1992 mainly that between 11 October 2006 and 09 October 2007 at my home address that I the defendant with a view to obtaining for himself Disability Living Allowence failed to notify a change in circumstances whicj was required to notify,namely that his capabilities and mobility had increased contrary to the section. The date they are going back too is based not on medical evidence as I have a letter from my GP stating that in the last 10 years there has been no improvement or is there likely to be no improvement in the future. But on the evidence of someone who hardly knows me only by sight, that they "Saw me about a year ago shopping and I looked as if I wasn't in pain" the shopping by the way was a newspaper (The Sun) so from start to finish this has taken 5 months from Interview under caution to a summons....Any advice ? Have you had any progress on your claim to DLA ? also as a foot note my medacation has been increased for the pain I'm in since losing my car and having to travel to work on public transport this journey now takes over 1 hour so I have to take stronger Morphine Sulthate and of course the effects that has on me .... Best regards to all Paul

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2 threads merged, please keep to 1 thread per story, it's easier to follow that way.

 

 

Well, I think that you need to get as much of help from your GP as you can: Get him to list the medications you're on, with the dates they have been prescribed, the increases in dosages etc, everything that shows that to cope with the same condition, you have to resort to higher pain control methods. Get him to write a letter in layman's terms clearly stating that the whole claim is absurd as you have a condition which can not physically get better unless someone believes in miracles.

 

You'll want to challenge the witness statement, obviously: How does the witness know you weren't in pain? Is he/she a pain specialist? Does he know how much medication you were on at the time? How long did he see you for? How was he able to ascertain how much discomfort you were experiencing from seeing you there? Does he know what your pain thresholds are and how you express them?

 

At the risk of sounding awful, on the day of the tribunal, do not take any medication unless absolutely necessary and even then as little as you can to function. You want the judge to see exactly what it means for you having what you have and dealing with it the way you do. If it means at some point things will have to stop because you can't cope, well, maybe that will make the point across more clearly than anything else would.

 

You need letters or witnesses to testify how much help you get on a day-to-day basis, to document how bad things are. If you have someone who comes in to help caring, whether be a cleaner or a carer, social services or whatever, get them to write detailing it too.

 

One thing to note is that the charge is failing to notify of a change in circumstances, so you need to concentrate on showing that they haven't, and if they have, they have got worse, not better.

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