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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • 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    
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lovely letter from Cap 1! ***WON***


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Taken ages to make a start on this one but finally sent prelim letters off for 2 accounts with Cap 1. I paid a 'reduced' amount to a DCA some years ago for 1 account and another DCA are pursuing me for 2nd (although have been advised in dispute). I marked 14 day deadline on calendar (7 July) and prepared my LBA.

 

Got a letter today relating to one account which was really really nice and fluffy and offering me money back! Well, when I say nice, the amount they were offering me wasn't particularly nice - in fact it was less than half the amount I was claiming in charges alone - let alone interest!

 

They state that the OFT has challenged the level of default sums and as such they are reducing the amount I was charged to £12 and giving me an extra £20 as an acknowledgment of interest that I may have incurred. Was a bit puzzled by that bit as they know I have incurred interest as they were the ones that charged it - and it was considerably more than £20!!

 

Anyway going to decline their offer via my LBA and see what happens!

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Got a bit of a query if anyone's on?

Been reading other threads and there are a couple who have asked for CCA?

If this goes to the court stage, which I assume it will, do I need a copy of my original credit agreement and the terms and conditions that I signed up to at the time??

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You don't need a copy of the original agreement if you arejust recaliming charges. The T&Cs mwould be useful if it ever got to court but seeing as there is as much chance of that as Elvis performing aat Glastonbury, you don't need to worry too much :rolleyes:

 

 

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Thanks Steven - will bear it in mind and see how we go. I am challenging them on 2 accounts and got a similar letter today regarding the second account, once again offering me about half the amount I am claiming and then very kindly offering to let their DCA know that they only need to threaten me for a reduced amount!

 

The funny thing is that the amount the DCA are chasing me for is about the full amount of charges levied by Cap1 - interesting! I was wondering whether to reply saying, thanks for offering me half the amount you owe me - how about I pay this to you and you accept half the amount you reckon I owe you!!:lol:

 

LBA on second account off today.

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  • 2 weeks later...

Oooh D Day is here!! Heard nothing from Cap 1 with regard to my LBA so as 14 days now up it's time to take action!

 

Think read somewhere not to use MCOL with credit cards for some reason so will have a go at the N1. Fingers crossed won't take too long!!:)

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That's right, do not use MCOL, your claim will be automatically be on hold thinking these are bank charges.

 

Keep us posted. . .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 2 weeks later...

Got a letter from Cap 1 in relation to my 2nd account. Says the OFT hasn't told us that they are obliged to refund any default sums and they have offered refunds as a gesture of goodwill - how kind!

 

They also say that as they have sold my debt to Robinson Way and while they are happy to honour the refunds they have offered, I need to contact them directly to arrange repayments.

 

They won't provide a breakdown of their costs as this is confidential business information and they look forward to recieving my signed settlement form so that we can put this behind us and save the courts valuable time.

 

Is this their usual response?

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YES. This is their usual kind of letter

Capital One only payout after you file at court usually within 28 days so stick to your guns and YOUR timetable not theirs.

Carry on with this claim as you have with your 1st claim and just wait for your money to arrive!

[sIGPIC][/sIGPIC]

 

:)Surely life can't get any worse it has to only get better from hear on out:)

 

LTSB- My claim like thousands of others is Stayed

Cap 1-See my tread about that one

Barclaycard- Won before court stage

GE capital -2 accounts and LTSB card letter asking for refund stage (Waiting for out come of the above to carry on with these ones )

Sars sent for all my mums accounts

About to start PPI claims on My Mums accounts

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Jackiej

 

If they have sold the debt, you will have a default registered against you on your credit file. If the default was issued as a result of the charges, then demand that they remove it in the settlement.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 1 month later...

Thanks all for your comments and support. Checked with the court today and they have recieved my N1 and POC but they have not yet sent it out to the defendant but will do over the next couple of days.

They have given me a case number - do I need to note this anywhere?

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  • 2 weeks later...

Defendant filed an acknowledgement of service on 23rd September 08.

They intend to defend all of the claim and theynow have 28 days from date of service to file a defence.

 

Now, I need to work out the 28 days timeline but do I need to start preparing a bundle at the moment or should I just hang on until I recieve a copy of their defence?

 

When does the allocation questionnaire get sent out and does it usually go this far with Cap 1 - can anyone help???!!!

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Crap One always say they are going to defend - but they won't. You'll probably get a letter from them very soon offering the full amount of your claim. This will probably arrive before the defence does, along with a request from telling you to discontinue. Don't discontinue until you are satisfied that the money has cleared into your account. If there is a balance outstanding on your card they will use the charges reclaim to reduce/pay off the balance and send you anything left over by cheque.

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Hi sorry to butt in here, i have taken cap 1 to court for charges, interest and defualt and all aderse info removed, they have said they are going to defend all the case but i got a letter from cap 1 this morning saying that they will pay in full charges interest and court fee and remove the defualt but will not remove late payment markers from cra's, also they have contacted the court to say they have paid in full and i should contact the courd to discontinue the case now, what should i do next, are the late payment markers just as bad as default? if i say no they havnt settled in full because of the late payment markers, how should i now go about it because their deadline to defend is thursday, and how do i know they will still remove default if i discontinue the case??

 

any help is appreciated and sorry to bump thread.

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My best advice would be not to discontinue, if you want the late markers removing as well.. Refuse their offer, keep the claim intact and keep it going. You would have a better chance of getting the lot if you keep it altogother. However, I'm not sure about whether late payment markers are as bad as defaults. Wouln't have thought so, although obviously they are not good. If it was me, I might well take what they are offering and live with the late markers. I suppose they would argue that you were late in paying, so they would be justified in leaving the late markers on your file. Not sure what others would advise. At the end of the day you have to go with what's best for you, at the time, in your situation.

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  • 3 weeks later...

Hi all,

 

Just to let you know, Cap 1 have paid out in full and removed the default!!!

Thanks for all your help and donation on way via cheque.

 

Got a second account with Cap 1 so N1 off today and fingers crossed for that one!!

 

Thanks to everyone for help and can site team change title of thread to "won!" :-D:-D:-D

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  • 2 weeks later...

Hi Jackie, congratulations on winning ur claim. Im in the same position. I lodged my claim against capital one a few weeks ago but because the court told me the wrong amount for the fee it has taken them near 2 weeks to refund me and the claim will only be lodged this week :mad:

 

Anyway, i just wanted to know, ur account was passed on and so was mine. Im paying back my account to Capquest, will this hold my claim up??? When u won how long before u received ur money?

 

Any help is much appreciated

Prelim letter sent to Ulster Bank for £1734.00 on 18 September

Received offer of £150 - 30/09/06

LBA sent 02/10/06

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