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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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Arrows/restons HSBC Unsecured managed loan - now Masquerading as Overdraft.


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Hi guys,

 

Really feeling a bit as though I'm in over my head and could do with a bit of help from you. Without going into masses of detail straight off the bat, the background is:-

 

In 2005, I got into difficulty and my bank wrapped up all my credit card debt, overdraft, and loan into a 'managed loan', total of which was circa £10K.

 

Fast forward to 2011, I was again in trouble, had an accident in August 2010 in which I broke both legs, which was the start of the slippery slope and to cut a long story short, I defaulted on this loan, of which there was £3193.00 outstanding.

 

Also took a parachute account and left my current account, which was £59.00 O/D.

 

Various letters received over the years but I've now had one from a notable Solicitors which appear frequently on these pages. Claiming £3252.00 for an overdraft, how convenient.

 

I sent a letter back requesting that they comply with pre-action protocol and stating that as I have never had an overdraft even approaching that amount, could they provide the detail.

 

They have responded basically telling me to review my own paperwork etc.

 

Can you help me please?

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First of all you should be telling us which bank/lender this is. Also who are the solicitors?

 

You should send off an SAR immediately to the bank/lender and hope to get all relevant documentation which they hold on you.

 

Do this immediately because it will take 40 days.

 

I suggest that you write the solicitors and confirm that you never had an overdraft and any loan which you might have had would have been in the form of a formal unsecured loan.

 

Tell them that if they propose to take court action that they will have to supply the information you require in any event and that if they failed to give it to you now then you will draw this to the attention of the court who were at the very least take it into consideration when considering the question of costs.

 

Tell the solicitors also that in anticipation of their refusal to cooperate you have sent an SAR to the clients in order to get all the relevant documentation which you expect will confirm the position.

 

Tell the solicitors that in the meantime your enclosing £1 statutory fee and that you require them to provide you with a copy of the CCA within 12 days.

 

I'm afraid that until you give us more information about the situation, we are really fumbling about. You should certainly tell us the identities of the people you are dealing with – or are you trying to protect them?

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Hi Bankfodder,

 

Firstly, it was HSBC, the DCA is Arrow, and the Solicitors is Restons. Because HSBC wrapped up all my debt into this managed loan, I wasn't allowed to have an overdraft. So the a/c number they are quoting was my old current a/c with no overdraft and was only £59.00 in debit because they added charges when I abandoned it.

 

What they are quoting in their letters to me is the current a/c number (which is not the loan a/c number) and claiming this loan as an overdraft. I have sent them a letter requesting that they follow pre-action protocol and provide me with the detail, but they've basically thrown it back to me. Can I post their reply here anywhere?

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aha the old HSBC managed loan debacle.

 

lots of very good threads here already

they merge everything into a loan

then a few months later dump it into an overdraft and sell it on..

 

you can scan up the letters to pdf

follow the upload Clickme guide

 

don't be afraid of rectums

we eat them for breakfast here

 

shame you sent that PAP letter..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so you have a claimform?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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std rubbish from rectums then.

 

 

you need to get an sar off to HSBC pronto

 

 

and if you use our search CAG box in the top red toolbar

and get yourself up to speed on HSBC managed loans

 

 

we've beaten them several times on these ML debts.

 

 

they purposefully use the OD account number to get around the CCA.

 

 

which is why the sar will be important to prove how the OD get so high.

what are they claiming £?

 

 

shame you sent that PAP letter

you've given them a target now

 

 

its always best NOT to enter into ANY pointless letter tennis with any DCA or their fake/tame solicitors

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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They're claiming £3252.00, of which £3193.00 is the managed loan.

 

I'm not sure what you mean that I've given them a target now?

 

Surely, they are guilty of non-compliance with PAP and telling downright lies?

 

In claiming that the account relates to an OD that I didn't have.

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but that's not for you to decide

its for a judge IF they issue a claim.

 

 

because you think its wrong

does make their PAP wrong.

 

 

99% of letters powerless DCA's and their fake/tame solicitors send out are to gander a resonse

- you fell for it.

 

 

no DCA has any legal powers

thy ARE NOT BAILIFFs

 

 

they have no more powers than you or I

- that's is if we think someone owes us money we can issue a claimform.

that's ALL they can do...

 

 

and ofcourse you've tipped them off upon your probable defence

so they'll now know to obfusecate things accordingly now..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Sar asap hsbc

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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