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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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MyMate V's RBS Advanta/Mint


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Hi,

I sent a CCA request to RBS concerning an Advanta/Mint CC, this is what i got back.

 

It's clearly an application form. The second shot is some prescribed terms which i think there trying to pass off as being on the back. I don't think so as on the application it says Details of how to cancel will be sent to you by post but the second pic clearly tells you how to cancel?? Although it does say details about the card are set out overleaf.

 

I also got a booklet of T&C from last year and two printed pages of other T&C with RBS Advanta on them which may or may not have been applicable at the time.

 

Also a letter (not dated) which came with a replacement Mint card and a new agreement with £12 charges.

 

Anyhoo thanks for reading heres the pics, any thoughts anyone?

 

RBSsent16-03-09016.jpg

 

 

RBSsent16-03-09TC017.jpg

 

I'm tempted to send the account in dispute letter, but i know there response will be 'we've complied with the s77/78 request' you still owe the money. Not sure what to do now?

Edited by itstheone
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Hi ITO,

 

The document posted above does not constitute an enforceable credit agreement, for several reasons.

 

So, by all means, send an "A/c in Dispute" ltr. In theory, you don't have to continue to pay them until they provide a valid Agreement. They should also stop adding any interest or further charges.

 

But if you stop paying, they will start to pester for payments and enter negative markers on your credit files.

 

Have you checked for unlawful penalty charges on the a/c and started to reclaim those to reduce the a/c balance.

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Hi,

Thanks slick for replying.

 

This is for a friend of mine who is in so much debt that he can't afford to pay anyone. Hasn't paid any CC (4) for over 6 months now, he has enough problems with his mortgage, trying to pay 3k of arrears off that, Rooftop are going for a reposession, he's meeting the expert at CAB next week.

 

I can't see any interest rates except for the bit at top right, or repayment details. Is there anything else i've missed that would make it unenforcable?.

 

 

Believe me his credit rating is shot to bits, he's been chased by 4 DCA for the last 3 years. His CR is not his biggest concern.

 

You mention about charges, i thought you couldn't reclaim them if the CCA was unenforcable? TBH i think he'd be happy just to let that slide and this to be 1 less thing to worry about.

Edited by itstheone
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Here's an excellent guide about the enforceability of Credit Agreements - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements-guide.html

 

Reclaiming charges on an unenforceable a/c is possible although you'd likely have to take it up to, or even into, a court hearing.

 

You can insist on the charges being repaid to you direct and not set against the a/c balance, but if you're happy to leave it, it's one less thing to worry about as you say.

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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