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    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
    • In the SAR, I received the original application, lots of computer print outs, yearly statements from 2013 and the new emails regarding my complaint. They sent me a £50 cheque after I chased them for the SAR after the 30 days. They said they was waiting for me to respond to an email (which I never received) before sending the SAR
    • classic P2G. I'm sure dianne and Lesley will pop an email to you at some point.
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Admiral cancelled policy charges


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Hi,

 

I had a policy with Admiral at the beggining of last year. I was with them for a couple of months when someone crashed into my parked car. My car was only worth £200 so it was an instant write off. The person who crashed into said they would pay me what the car is worth.

 

I called Admiral and told them what had happened. I explained it was undrivable and it was a write off so I would not be needing the insurance anymore. They said as I was cancelling early I would need to pay one months payment which was £80 and then the policy would be cancelled.

 

After the next months payment was taken from my back account I cancelled the direct debit and didnt hear anything from the again (This was May 2010)

 

I purchased a brand new car in May 2010 and I have been driving this since.

In June this year I started receiving texts, letters and calls from a company called DRS. They said I owe Admiral £70 and they had been told to collect it. I explained the situation to them and they said sorry and didn't call again.

 

In July this year the called again and asked for the money. I told them I am not paying as I don't own anything to them. They have continued to call me every day for over a month, text and write to me. They have even said they will be coming to my door between 1st August - 1st September between 8-8!!!

 

At the beginning of August a company called scottcall starting calling, texting and writing to me saying they have the debt of £75 and to ingore DRS and give them the money.

 

I have called Admiral today and they have said that I did not call last year to cancel my policy!! I know I did and my partner was also there at the time of the phone call. They said they can sell the debt to as many companies as they want and they call call me as many times as they want and will continue to until I pay £100

 

I have been told 3 different amounts to pay. I do not own anything but how can I prove it?

Also I was told there is a limit to how many times you can be contacted. I feel like I am being harrassed.

 

They call me of witheld numbers, 0845 and even mobile numbers.

 

Any help with this would be great

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1) Make an official complaint in writing to Admiral using their complaints process.

http://www.admiral.com/policyDocs/admComplaints.pdf

 

Under FSA rules if you phoned to cancel this should have been noted on Admirals records and they should have confirmed the cancellation in writing to you. There should be a system record of you calling them. This could be a system record of your policy being access and possibly a recording of the call you had with them.

 

2) Check your credit record with Experian and Equifax just in case Admiral have recorded a debt against you. This can form part of your complaint if they have.

 

3) Send a copy of your letter to the latest Debt Collection Agency contacting you, to inform them of your complaint and to request that they stop contacting you in line with OFT debt collection guidelines. Under OFT rules if the debt is disputed they have to stop debt collection while the matter is investigated.

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