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    • 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    
    • 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
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Black Horse calculations.


batman1956
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Hi ims thanks for your detailed reply.

The crux is then that the PPI repayment did not in fact reduce the balance of the account.

As for the interest before the first due payment it was a few days.

I am at work today but will scan up the statements when I get a chance.

Once again thank you for your help.

Dont let the parasite dca's prosper

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Hi ims thanks for your detailed reply.

The crux is then that the PPI repayment did not in fact reduce the balance of the account.

 

Well the PPI adjustment did reduce the balance on the account to the tune of £4,873. The balance on the account immediately before the PPI adjustment was £15,155 and immediately after the PPI adjustment it was £10,282.

 

As for the interest before the first due payment it was a few days.

I am at work today but will scan up the statements when I get a chance.

Once again thank you for your help.

 

On this type of account the interest is applied to the account on a monthly cycle, in this case it seems that this date is around 30th/31st of the month. On loan accounts you would usually see the interest being applied just before the due repayment is made.

 

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Ok. I think I understand what you say.

However if all the arrears were cleared at this point how could the account then be £1,300 in arrears according to Black Horse in March of the same year?

Dont let the parasite dca's prosper

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Here are the statements.They don't make pretty reading in the early years (but who takes a loan when they have got money) However the account was overpaid regularly in the later stages

 

Forgive me as clearly I am not the sharpest tool in the box but as the PPI was mis-sold how can the opening balance be for almost £15,500 when we only borrowed £12,000?

Dont let the parasite dca's prosper

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I managed to get a look at the statements over the weekend.

 

As far as the maths is concerned I am sorry to say that I didn't find anything wrong. Assuming the payments you made are all reflected in the statements then the interest charges appear to be correct as does the flow of the balance on the account.

 

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Ok. I think I understand what you say.

However if all the arrears were cleared at this point how could the account then be £1,300 in arrears according to Black Horse in March of the same year?

 

Hi batman,

 

To answer your question in your PM.

 

I think that he reasons the account was sold off is seen in the statements you have provided.

The arrangement was £225.00 pcm. but often the payments made have been less than that

agreed figure ( account classed as non performing) admin costs high and not reducing at a level

wanted by the lender.

This is very common.

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  • 1 year later...

A rather strange development today.

 

 

We have been paying £200 per month to Idem against the contracted amount of £173.50,

 

Today we got a doorstep visit from Excel counselling services on behalf of Idem to discuss "arrears on the secured loan".

They left a letter as we were not in.

 

The letter goes on to say

"Should you not have provided satisfactory proposals by 29th July,

legal action will be taken which could result in the repossession of your home"

 

What should my next step be??

Please could someone advise me.

Dont let the parasite dca's prosper

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Not been getting statements since sept 14?

 

Time for a new sar to idem I think

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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We have had some statements and a rebate of interest for a period when the statement was late. I will have to check if all the statements are present. Thanks for your reply.

Dont let the parasite dca's prosper

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well just make sure you refuse the review at your home

as they WILL be charging you +£100 for the aborted visit.

 

 

if they claim there are arrears they must send a NOSIA [notice of sums in arrears letter

 

 

i'd sar idem

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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They are/have been fleecing you I expect....

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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According to ims earlier in the thread the balance seems correct

but looking at the agreement it says Total amount payable £20820 and we have paid more than that.

 

I really don't know what to think.

 

The ombudsman sided with Black Horse even though they admitted that they had sent the letter in 2010 saying that arrears had been cleared from the PPI redress

and then claiming that they had made a mistake.

 

It is all a big mess as far as I can see.

 

Another thing that has come to mind. The secured loan was taken out in joint names but the property is in my sole name. Would this be classed as mis-sold at all?

Dont let the parasite dca's prosper

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Sar first me thinks?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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