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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.

       

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Locked in car park


Patma
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Hi, A good friend of mine has asked me to post his experience on the forum and ask for advice. Almost 3 years ago, he had attended a Saturday morning class at his local College, Plymouth College of Art. On returning to the college car park, he found the barrier was down and he couldn't get his car out. He walked around the area looking for someone from the college to open it up for him, but no-one was there.As he had a long drive home and didn't want his car stuck there till Monday morning, he decided to see if he could lift the barrier himself and managed to do so.

A few weeks later he was arrested and charged with criminal damage, for which he accepted a caution.He asked for the CCTV cameras to be looked at because they would show that he had not used excessive force and had tried to find assistance,but it was claimed that the footage was lost or wiped. He was adamant that he had not done any serious damage to the barrier and he should know because he had previously worked as a service enginneer for car park barriers.

Some months later he received a demand from solicitors acting for the college, (Lyons Davidson) for almost £4000 and claiming he had wrecked the barrier which had to be completely replaced. There were other claims made also to the effect that notices were provided giving instructions as to what to do in the event of getting locked in. I actually went with him to take photographs of the entire car park and there were absolutely no such notices. It was obvious though that a flashy new barrier had been installed to replace the old, rusty one.

He wrote back demanding proof of the damage caused and a breakdown of costs, but nothing was forthcoming and everything went quiet until this week, almost 3 years later.

Now he's had a new demand for payment with threats of court action etc.

Can anyone throw any light on what his rights are in this situation please?

He's certain a new barrier wasn't necessary and the college were definitely lying about the circumstances. Also does anyone know when such a claim becomes statute barred?

Any advice would be very welcome.

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A couple of things,you state that he accepted a caution,if he was not guilty of anything then he should not have accepted it.

Secondly he should have made a subject access request for the CCTV images under the data protection act.

The request to provide the information regarding damages etc was a reasonable one.

Pre action Court protocols demand that you be given information to enable you to properly defend any court action.

My guess is that this debt/alleged debt has been sold on.

Can you say who are the DCAs /Solicitors involved ?

 

Finally have you kept a log of actions and copies of letters sent asking for info ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks Martin, Yes I thought it was a pity he accepted a caution too. It didn't seem right to me either, but he said he was overwhelmed by the whole thing and it seemed like the easy way out, at the time. Now he regrets it for sure, especially having his DNA taken.

 

The solicitors are Lyons Davidson.

Yes he has kept a proper log and copies of correspondence.

Thanks again for your help.

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ok no problems.I have a letter which will assist-will let you have a copy once things are a bit more clearer-but needs to be sent out ASAP.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi again,

The solicitors are Lyons Davidson.Thanks very much for your help and for the offer of the letter, Martin. It's much appreciated. If there's any more detail you want, just let me know. My friend is in a bit of a tizwoz about it all and I didn't really know what to advise him.

All the best, Patma

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Patma - trying sending Martin a PM or email - he may not be picking up that you need his help.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Pm landed-will sort something for you when I have finished what I am on now.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

Time ran out to send a reply so I suggested my friend more or less reiterate his previous letter which kept them quiet for 2 years or so. Basically he pointed out numerous inaccuracies in their letter and asked for proof of the damage they claim was done and a proper breakdown of costs.

We now await their response.

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Hi there,

 

Over the years i have had my fingers in many pies. The thing i'm on with now is electronic security (including access control, i.e barriers)

 

Legally i don't know where you stand, but i can tell you that £4000 is very excessive. I pay £800 for at the most for barriers (top end at that), at worst all you're friend did and would be physically cable of would be bending or breaking the boom. Possibly loosening the case fixing bolts.

 

I charge less than £4000 for a complete new install, i.e new motor, gearbox, casing, boom, warning lights, saftey photocells, saftey induction loops, intercom, access control, 10 rf phobs, rf reciver card, tilt support etc. . all installed and supplied and mains power installed and certificated. All from scratch.

 

A 8 meter boom (largest on most standard barriers - 2 4 meter booms bolted together) costs at trade £100 + vat - Call-out is £295.00 + vat

 

I'd tell them to shove the £4000

 

I suggest you friend phones a few companies (not telling them the story) and asked for a quote for a vandilised barrier - I gaurantee every company will give you a call-out price and a cost for boom without needing a site survey (remember - they will mark up boom so it will be more than £100)

 

I am no expert but i assume if it goes to court, the judge wont look kindly on this company having there whole system upgraded due to your friends unfortunate situation, especially as he has been more than co-operative.

 

Just my 2p

 

Good look

 

Chris

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Agreed - this smacks of betterment. They found someone stupid enough to accept the accusation of criminal damage and went to town. This would have more properly dealt with through the council's insurers, who would then look to him for repayment of repairs but NOT replacement.

 

Because it is a public body, he can make a Freedom Of Information Act request, requiring sll details of the use and costs of this barrier and the actual costs of its installation and replacement.

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Thankyou Chris and Buzby for your thoughts.I really appreciate them. I'll pass on all the info and suggestions. I think you're both right about the overcharging. We were thinking that too, but it's really encouraging to get confirmation and some solid facts to back them up.

The Freedom of Information request is brilliant idea too. Will keep you posted. Thanks again for responding, Patma

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  • 3 months later...

Well, I have an update. After hearing nothing all this time, a court summons has arrived today.

As soon as I can get sight of it, I will post the details.

All advice/suggestions very gratefully received. My friend hasn't a clue how to defend a court summons and neither have I, apart from reading about other people's experiences on the CAG forums.

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Thankyou Buzby for responding. We had hoped this matter had gone away again when the last letter was ignored, so it was a bit of a shock when the court papers arrived.I'll be checking the documents carefully for the court stamp when I get to see them today and I'll post more details asap. Nothing forthcoming as far as FOI request, so I agree it's time to pursue that more vigorously.

The date of the actual incident was 3 years ago exactly(4th March). I'm curious as to whether there is a three year deadline in cases like this. Does anyone have any idea about that?

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If they are pursuing you for money, then they have 6 years from the date the costs were incurred. If they're pursuing you (or your insurer) for the damage to the barrier with no cost of restitution, then I would think they'd be well out of time - but I'm not up to speed on English Law.

 

As a side issue, you could pass this on to your car insurers (at the time) but they may obkect if you hadn't forewarned them of this.

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Thanks again for your input Buzby. The summons definitely seems genuine now that I've had a good look at it.

I'm desperately trying to find out what the procedure is to fight this now.

First of all, the summons has come from Bristol and our nearest court would be Plymouth, so can anyone tell me whether it's possible to get it moved and if so at what stage that needs to be done?

On the acknowledgement of service part of the paperwork there's a box to tick to say whether you dispute the jurisdiction of the court, so I was wondering if that should be ticked or not.

Also how much detail does my friend need to go into about his defence on this initial form.

The particulars of the claim as given by the claimants are very inaccurate and contain a lot of false statements. So does he need to challenge them at this stage?

We really need some advice please from those of you who have experience of courts.

I will gladly post any parts of the summons that would help in giving advice btw

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The statements of Claim may well be inaccurate, but the time to challenge this is when the case calls as you'll be rejecting their claim anyway. As for the court procedures with such a claim, I only have experience of the Scottish system, so other CAG members might be better placed than I to advise you on this.

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Just for my input, I am not sure if I am missing something here. Are you intending to defend the entire claim, or merely question the value of the claim? As I would have thought a defence to the entire claim would automatically fail, as the person in question has admitted to the criminal offence where the requirement for evidence is much more stringent.

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7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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In other words, to my mind as the person has accepted an offence of criminal damage, there is no question to be answered in court that this person is liable for the costs as a result of the criminal damage - there is only a question of the value of these costs.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Thanks for that, Mr Shed. My friends thinking so far is that he is willing to pay the reasonable cost of any damage he may have done, but that the college has failed to provide any proof or information as to what damage he allegedly caused.

 

Last year he re-visited the police station where he was cautioned and discovered that the police had taken the word of Plymouth College of Art and had seen no evidence of damage themselves. He also spoke to a solicitor and it was suggested he may possibly have a case for getting the caution set aside.

I guess this complicates everything even more, but for now it may be best to take it a step at a time and deal with the current court summons. Plymouth College of Art and their insurers, Royal and Sun Alliance have failed to respond to three written requests for information and proof of what they are claiming. He also wrote to the company who were named as having done the work, Universal Security UK Limited and they ignored his request for a breakdown of what was done and why.

 

I don't know whether this thread is in the right place now that court action is happening, so could a mod or someone who knows please give me some input on whether I need to start a new thread and/or get this moved.

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