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    • Thank you for that i thought id just ask as i was unsure.  Just hope its returned to me and doesnt spend the rest of its life going back and forth to Singapore  
    • Thanks @lolerz. I've attached it to the post. What do you think? What's the organ grinder? NTK.pdf
    • I'm afraid that if the value of the item was under declared then that is probably the best that you can hope for. Also, because the item was incorrectly addressed – even by a single letter, if that because the issue relating to the delivery then that has probably compounded the problem. There is probably very little that can be done. If you are lucky you will get the item back and then you can start again and declare it properly. Undervaluing parcels which are sent by any means is always going to cause a problem if the item is lost or damaged. It may mean that the cost of delivery is slightly less – but at the end of the day the risk becomes yours. When you enter into any kind of contract, effectively you declare it a level of risk to your contracting partner – and they decide to enter into the contract with you based on that level of risk. You have declared a level of risk and £50 – and that's the deal.   Additionally, undervaluing an item which is an internationally has the effect also of evading customs and any VAT system which is in force in that country – and that makes the whole thing a little bit more serious
    • Perfect. Nice and brief and to the point. You don't bother to start telling your life story. Just the way it should be. Send it off. You have probably done enough reading to understand that it won't make any difference don't start drafting your particulars of claim. Open an account with the MoneyClaim County Court system and start preparing. Post your particulars of claim here before you click it off. You may have noticed that at some point you will be asked if you want to go to mediation on this. We used to advise it but now we recommend that you decline mediation and go to trial. Your chances of success are much better than 95%. Going to trial will incur an additional hearing fee but of course you will get that back. However if you go to mediation, they will simply try to penny pinch and to get you to compromise and also they will sign you up to a confidentiality agreement and probably threaten you if you breach it. Not only that, if the mediation fails because you stand your ground, it will add additional delay while they then give you a date to go to trial. The best thing to do is to decline mediation – prepare for court hearing. Pay the extra fee. The chances are that rather than get a judgement against them they will then offer you a full settlement rather than go to court. If they do offer you full settlement then you will be obliged to accept it – but that's what you want. If they don't offer you full settlement then you will go to trial and there will be a judgement against them. Just so that you understand, our first interest is that you get your money back – but a close second is that it does go to trial and there is a judgement which we will then be able to use to help other people. Anyway as you should realise, we will help you all the way.
    • I sent a parcel to Singapore but i spelt the address incorrecltly by 1 letter so the parcel couldnt be delivered and was returned back to the Uk but checking the tracking today the parcel had returned to the UK but is somehow on its way back to Singapore as the tracking says "Item leaving the UK"    Ive spoken ( tweeted) Royal Mail help who confirm that the parcel seems to be going back to Singapore and that if its not " Delivered" by the 29th of April theyll deem it as lost and will accept a claim but i cant remeber when booking what the compensation amount was but i dont think it covers the amount of the item.  As it was my fault that it wasnt delivered in the first place can i trey and claim the full amount back ? i think if i remember correctly it was £50 compensation but the item was £170 So the timeline is thus ...   22nd Of March .    Booked via P2G & dropped off a Post Office.  25th March arrives in Singapore and goes through customs ect ect 26th   Incorrect address and item is flagged as "return to sender" 28th Item leaves Overseas intenational processing centre 15th of April , Item is leaving the Uk (Again)   ?    
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RBS Directline Credit Card CCA return


Andy01
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Hi this is my new thread with DL.

 

 

I requested CCA on the 18th May but they failed to reply

I wrote to them on 10th June "account in dispute".

 

 

Now our letter has been crossed and I just got their reply today that they can not find anything

and they will not be able to enforce in court

 

 

they want me to continue to pay:confused:.

 

 

So please look into these attachment and advice me for my next step.

 

 

Thank you

 

http://i698.photobucket.com/albums/vv342/Andy01/DL1.jpg

http://i698.photobucket.com/albums/vv342/Andy01/DL2.jpg

http://i698.photobucket.com/albums/vv342/Andy01/DL3.jpg

http://i698.photobucket.com/albums/vv342/Andy01/DL4.jpg

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As they have said they can't take any enforcement action, they can ask you nicely to pay but equally you can just as nicely tell them to swivel. ;)

 

The problem is they can still devastate your credit file until it becomes Statute Barred six years from your last payment.

 

No doubt if you decide not to continue paying they'll close the a/c and sell it on to claim tax relief. It might be worth waiting while they do & then if some parasitic DCA crawls from under a rock sometime you can either kick them into touch by sending a copy of the letter where they admit there's no CCA or offer them a full & final offer at around 10-15% of the outstanding debt on the proviso the remove any defaults from your credit file.

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excellent Thanks CB So I will just wait and see if they reply to my ACCOUNT IN DISPUTE Letter which has been crossed. Will they send me any DN or not? I am not worried about my Credit file at all.

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You'll probably still get a few begging letters for a while until they realise they are urinating against the wind, before they flog it on to some fourth rate DCA who specializes in unenforceable debts. :rolleyes:

 

As for sending a DN, who knows? They probably will so they can be vindictive and try & begger up your credit rating.

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Like you said they can carry on begging not gonna get blood from this stone. Atleast they admit that they can not take me to court so rest I have got enough time to write letters to good for nothing DCA

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Please do not lose that letter :D

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

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2: Does your Bank play fair - You can force your Bank to play Fair with you

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks CB and Cerber Its all your guy's help. I am really glad to find this site.

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Good Morning all,

Here is somthing I picked up yesterday's Daily Mirror newpaper might intreset you.

http://i698.photobucket.com/albums/vv342/Andy01/Mirror.jpg

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  • 3 weeks later...

Thanks Again for your help

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I think they had already reply to my CCA request on 15th June

http://i698.photobucket.com/albums/vv342/Andy01/DL1.jpg

 

and my letter in dispute crossed on 10th June and

 

 

I got this reply today from RBS.

 

 

They must be the part of Dirctline.

 

 

fotoflexer Pictures, fotoflexer Images, fotoflexer Photos, fotoflexer Videos - User Media - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

 

 

So I think i should wait and see.

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Thanks Cerber can you please Check my Halifax thread.I got there reply almost after a month

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I hope you have those letters tucked away safely :D

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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CB Trust me my friend they are very safe .Nice to hear from you. Thanks

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  • 2 weeks later...

Hi guys do you think I should write to them for F/F or should I wait?

Account No:

Ref No:

Dear Sir/Madam,

Thank you for your letter dated 15th June 2009 from Direct Line and letter dated 3rd July 2009 from RBS of Scotland confirming that there is NO enforceable agreement exists between us. So there for you are not in position to enforce any payment due to the fact that you are unable to provide an enforceable credit agreement.

So to that effect I am willing to make a full & final offer of £200.00 (12%) to bring this matter to a conclusion.

Please note you may also consider under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This is on the proviso that any adverse information recorded with the various credit reference agencies is removed from my files & that I receive written acceptance to these terms from you within 14 days of receipt of this offer.

Yours faithfully

 

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cerberusalert is pretty good with drafting letters of this ilk, so it might be a good idea to wait and see if he/she has any advice to offer in respect of your F&F :)

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The letter's fine but i doubt whether they'll accept. They'll be more likely to sell it on to a bottom feeding outfit with a shedload of other unenforceable debts & then claim tax relief.

 

Of course there's nothing to stop you making the offer but I think you'll have a better chance with one of the lowlifes.

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Thanks so in that case I think I will wait . Cheers guys

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If you had ever been helped by this site and satisfied than by Donating This site is just simply helping others too, who are really in need. Please make a donation.

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