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    • Sars request sent on 16th March and also sent a complaint separately to Studio. Have received no response. Both letters were received and signed for.  I was also told by the financial ombudsman that studio were investigating but I've also had no response to that either.  The only thing Studio have sent me is a default notice.  Any ideas of what I can do from here please 
    • Thanks Bank - I shall tweak my draft and repost. And here's today's ridiculous email from the P2G 'Claims Dept' Good Morning,  Thank you for you email. Unfortunately we would be unable to pay the amount advised in your previous email.  When you placed the order, you were asked for the value of your parcel, you stated that the value was £265.00. At this stage the booking advised that you were covered to £20.00 and to enhance this to £260.00 you could pay an extra £13.99 + VAT to fully cover your item for loss or damage during transit, you declined to fully cover your item.  Towards the end of your booking on the confirmation page, you were then offered to take cover again, to which you declined again.  Unfortunately, we would be unable to offer you an enhanced payment on this occasion.  If I can assist further, please do let me know.  Kindest Regards Claims Team and my response Good Afternoon  Do you not understand the court cases of PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729)? In both cases it was held by the courts that there was no need for additional ‘cover’ or ‘protection’ (or whatever you wish to call it) on top of the standard delivery charge, and P2G were required to pay up in full for both cases, which by then also included court costs and interest. I shall be including copies of both those judgements in the bundle I submit to the court next Wednesday 1 May, unless you settle my claim (£274.10) in full before then. Tick tock…..    
    • IMG_2820-IMG_2820-merged.pdfmerged.pdf Case management was this morning. Here is the Sheriff’s order. Moved case forward to 24/05.   He said there was no signed agreement and after a bit of “erm, erm, yeah but, erm” when he asked them, he allowed time for sol to contact claimant.  what is the next step now? thank you UCM  
    • I've had a quick (well, quick for a thread of this length),  read of this thread and to be honest I'm struggling to make heads nor tails of the actual crux of the issue here. You seem awfully convinced that whatever is going on is worth the fight and the odds are in your favour but with how the thread has gone it seems that one trail goes cold so you simply move on to another in an attempt to delay the inevitable. All it does is end up digging holes and confusing others and yourself which means any advice given to you is completely pointless. I note that for the life of this thread there has not been any documentation or correspondence uploaded for people to have a look. Have you got any that you'd be willing to redact and upload for members to assist you? Right now, it seems people are shooting out advice while being in the dark because it's starting to become very difficult for people who weren't here at the start of this (including myself) to follow along. Right now, this whole thread is just hypothetical "He said, she said" and is going nowhere fast. Nothing more than basic advice can be given which, as you've sought out some legal advice, is likely not sufficient to actually come to any sort of conclusion. I, personally, am starting to agree with others that it may be best to consider bankruptcy and put the matter behind you.  
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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DCA threatening CCJ - 1st credit & Citi financial


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also have a look at the fca rules etc re barred debts, when a crud is notified of a matter being barred.

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After a few more threatening letters

 

, I’ve received a letter this week stating that my account has been passed to 1st Credit’s Legal Department.

 

The account will be held for 10 days

 

. “If we do not hear from you, your account will be subject to a case review that may result in a ‘statutory demand’ being issued, which is a formal step prior to issuing bankruptcy proceedings.”

 

There’s that word ‘may’ again. I’ll wait and see what they do.

 

Epsilon

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Blimey, this thread must be one of the longest ongoing cases here. I would have thought this would be Statute Barred by now. If so, you could let them know and if they are foolish enough to issue an SD then you can get it dismissed and probably claim some costs too

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks Sliverfox. Your first sentence made me laugh, which was a nice thing to be able to do.

 

I haven't had to wait very long for their next letter which reads:

 

'We wrote to you recently outlining our intentions to issue Bankruptcy proceedings against you. Having performed a review of your account we have concluded that the pursual of Bankruptcy proceedings against you is no longer a fair and reasonable outcome at this moment in time.

 

It is however our intention to pursue an alternate method of enforcement to secure this debt. You will shortly receive letters detailing the methods that may be pursued.

 

Please contact us on xxx within 10 days to discuss the repayment options available to you based on your current financial circumstances. Should no contact be forthcoming your account will be passed to our solicitors with an instruction to issue legal proceedings once Civil Procedure Rules have been complied with (e.g. after a Letter Before Claim has been sent).

 

Ultimately we do not want to take this course of action and we would prefer to come to a repayment that is both affordable and sustainable for you. If you are experiencing financial difficulties...' etc.

 

As always, any advice on what they may try next will be much appreciated.

 

Epsilon

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we have concluded that the pursual of Bankruptcy proceedings against you is no longer a fair and reasonable outcome at this moment in time

unsurprising

 

You will shortly receive letters detailing the methods that may be pursued.

:lol: just wait for their next template then. post back

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