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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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    • 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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If i was you accept but only as part of what they owe and tell them you will be still claiming for the remainder of what they owe. They will give you all what they owe make no mistake about that. For someone who is unemployed £350 is alot to give to the bank. Are you in the habit of giving the bank your money. Claim all your money back, it won't take much longer.

 

gerarddobbin

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TheDean Vs RBS - WON!! Full amount requested Awarded :D :D ;)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

TheDean Vs Telewest - 27/10 SB's big letter sent.

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Hi...... Please could you add "SETTLED" to my threads title. My thread is Atlantic vs RBoS.

 

Although my claim went to court it was really settled after the perliminary stage of charges only and not through the court process.

 

Thanks 4 your help...

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Hi Folks

 

Its time everyone got together to support other in beating these Bandits

have a look at this and show your support for him. this is just a start

 

YouTube - Royal Bank Of Scotland

 

http://www.youtube.com/watch?v=EVUNDhtpMJY

Edited by pkelly

pick up a penquin two systems for the price of one:?:

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Hi all,

I have been having a running battle with BOS for 2.5years now. Firstly I claimed and won my case for mis-sold PPI and they forwarded me a cheque for £2800.00. Not bad for a few letters.

I also asked BOS for a copy of my signed credit card agreement. They have not and say they cannot find or supply this to me. I have written numerous letters and emails and eventually they basically told me to stop hassling them. What a result as they hassled me for years. They them sent my file to Albion Collections, who are actually a division of BOS. I stopped my monthly payments and have asked them to challenge me in court. They them forwarded my file to their solicitors Blair Oliver & Scott. I got some letter threatening court but this stopped when I challenged their validity as a legal practice. Blair Oliver Scott abbreviates to BOS (surprise surprise) and Companies House has them listed as being form (1991, I think) but dormant. Funnily enough, I have received no more correspondence from Blair Oliver Scott.

My credit file has been damaged but my next move is to challenge this damage. BOS have acted as reckless, unresponsible lenders. They increased my credit balance that actually attracted me into spending more than I could afford. It was like dangling the carrot in front of the horse. I have calculated the full amount I have spent on my card since the account was opened (over £68K) and have calculated that I have repaid more than £70K. I dont feel bad that I am not paying they extoriate interest and charges that have accrued over the years.

Can anyone tell me how to challenge the adverse credit reports on my credit file. I want to help as many people as possible who are in a similar position to myself so if we join together we will do better than going it alone.

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