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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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Letter from ruthbridge\regarding cabot advice please?


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Hi all my first post on here,right i will get to the point several months ago had letters from this ruthbridge,with there clients name as cabot financial,basically from what i can gather this is a debt we had approx ten years ago with a bank for approx £700,which was basically built up through ill health and family bereavement.On these letters they are saying that they have phoned and called at our address which is not true nobody has,so we have ignored the least 2-3 letters as after 6 years i thought any debt got wiped.Whether or not this is true im not sure but today we recevied another letter stateing this that if we didnt pay the outstanding amount of £503 as a settlement figure they would instigate bankcruptcy action against us can this be done for that amount??? We do have a mortgage on our house,and my wife works part time but i am as most poeple say it medically retired and have been for the past 6 years.Can someone tell me if this is a scare tactic or what i dont believe personally they can bring a bankruptcy action against us for such an amount,any help/advice would be greatly appreciated,thanks.

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Well firstly they CANNOT make you bankrupt for an amount less that £750.

 

Now you mention 6 years, was this the last time you acknowledged this debt in writing or by payment.

If so it is statute barred and completely unenforceable.

 

Throw this at Ruthless if it is over 6 years ago:

There is a template letter to be found here: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

Letter M.

Is it important to start the letter:

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

Be VERY careful whose advice you listen too

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also they wont attempt to bankrupt you because

 

a. it will cost them over £1000 and the debt is significantly less than that

b. the threshold for bankruptcy, is, I believe £750

 

They are trying to scare you into paying them. if the answer to my previous questions is over 6 years, tell them you're not paying and to get stuffed and then report them to Trading Standards for attempting to collect on a statute barred debt

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Thanks for the quick replies i really appreciate it,as far as i can remember if it is the co-operative bank that they have bought the debt off i dont think we paid anything at all on the debt,and also the exact amount on the letter states £774.58p so does this mean they can put court proceedings against us for bankcruptcy??? Thanks once again for the replies.

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again, don't worry too much about the costs and such being added on, it's not going to happen.

 

Just to reiterate, if you haven't paid anything of the debt at all when was the last time you acknowledged the debt?

 

This time period is very important, as If the debt is indeed statute barred, then you can totally disregard any fears of court or otherwise

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To be honest i dont think we ever had any sort of correspondence with regards to the debt but then again cant be 100% sure as it was a long time ago,so my best option at the moment is to either ignore it or send a letter back as stated earlier on in the post?

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yes the onus is on them to prove that you owe anything

 

ignore the threats. just hot air

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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send CBs Letter and see what turns up, they aren't going to vanish immediately regardless of what you do.

 

They will keep trying it on, but once they know they aren't getting anything, they should calm down quite a lot

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