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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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    • 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.

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Co-Op Card debt and Cabot/Equidebt


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Sent a CCA request to Cabot 6/6/15

 

Signed for and received 8/6/15

 

Reply received today and I have attached an edited copy.

 

They mention that information will be provided in 40 days. If details are not provided by 23/6/15 will it still therefore be unenforceable ?

 

Cabot bought the account from Equidebt in 2013. I have never received any form of annual statements from anyone including the OC. I have only been advised of the debt balance so therefore have they failed to comply with FCA handbook CONC 13.1.5 ?

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Cabrot know the rules as do we.

 

Once they have failed to supply the CCA within the prescribed time limit

then all payments should STOP, until such time they can magic one up.

 

Yes you should be receiving annual statements of account, from whoever has

their grubby mitts on the account at the time, otherwise you get cash cowed.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Cabrot know the rules as do we.

 

Once they have failed to supply the CCA within the prescribed time limit

then all payments should STOP, until such time they can magic one up.

 

Yes you should be receiving annual statements of account, from whoever has

their grubby mitts on the account at the time, otherwise you get cash cowed.

 

A belated thanks Bazooka - Will see what they come back with and will advise forum.

 

Well no statements from CO-OP anymore or when Equidebt had it. Shall I just not mention for now and wait for response re CCA ?

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if its been with equidebt 99% you've been cash cowed for years

 

 

when does this co-op card originate from?

 

 

dx

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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Well no statements from CO-OP anymore or when Equidebt had it. Shall I just not mention for now and wait for response re CCA ?

 

Let them rot, even when they fail to supply one, ignore them, no need to keep poking the hornets nest.

You have stopped paying them haven't you?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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if its been with equidebt 99% you've been cash cowed for years

 

 

when does this co-op card originate from?

 

 

dx

 

1998

 

Already claimed PPI but now wanted to stop paying anything else.

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Let them rot, even when they fail to supply one, ignore them, no need to keep poking the hornets nest.

You have stopped paying them haven't you?

 

OK cheers again bazooka.

 

Next payment due end of the month so I will cancel the direct debit.

 

Equidebt were quite forthcoming with reduced payment offers if I remember.

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I have had 4 CCA requests outstanding from Cabot for friends, (11 months so far) they have yet to fulfil their duty to supply it. They write every so often to the debtor, who keeps the letters for future reference, but they give up or transfer it to the next silly letter writer some time down the line.....

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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I have had 4 CCA requests outstanding from Cabot for friends, (11 months so far) they have yet to fulfil their duty to supply it. They write every so often to the debtor, who keeps the letters for future reference, but they give up or transfer it to the next silly letter writer some time down the line.....

 

Cheers mikeymack

 

I will see what they comeback with but in the meantime I will stop payments.

 

I will keep forum posted.

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  • dx100uk changed the title to Co-Op Card debt and Cabot/Equidebt
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