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    • Post #415 you said you were unable to sell it yourself. Earlier I believe you said there had been expressions of interest, but only if the buyer could acquire the freehold title. I wonder if the situation with the existing freeholders is such that the property is really unattractive, in ways possibly not obvious to someone who also has an interest in and acts for the freeholders.
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    • Thanks Bank - I shall tweak my draft and repost. And here's today's ridiculous email from the P2G 'Claims Dept' Good Morning,  Thank you for you email. Unfortunately we would be unable to pay the amount advised in your previous email.  When you placed the order, you were asked for the value of your parcel, you stated that the value was £265.00. At this stage the booking advised that you were covered to £20.00 and to enhance this to £260.00 you could pay an extra £13.99 + VAT to fully cover your item for loss or damage during transit, you declined to fully cover your item.  Towards the end of your booking on the confirmation page, you were then offered to take cover again, to which you declined again.  Unfortunately, we would be unable to offer you an enhanced payment on this occasion.  If I can assist further, please do let me know.  Kindest Regards Claims Team and my response Good Afternoon  Do you not understand the court cases of PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729)? In both cases it was held by the courts that there was no need for additional ‘cover’ or ‘protection’ (or whatever you wish to call it) on top of the standard delivery charge, and P2G were required to pay up in full for both cases, which by then also included court costs and interest. I shall be including copies of both those judgements in the bundle I submit to the court next Wednesday 1 May, unless you settle my claim (£274.10) in full before then. Tick tock…..    
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      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.

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      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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Kapama trying to enforce Micro Credit Charges


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Hi Everyone! First time poster here looking for some help dealing with Kapama in regards to a micro credit loan, from some general reading I see there is plenty familiarity with them here so I'll get straight to it.

 

I took out a loan with mini credit in 2012 for £100 and they're now trying to play their old trick of adding many charges on so I apparently owe them £1056.00. I don't believe that these charges are enforceable and I point blank refuse to pay them but they're charming debt manager refuses to back down on the issue. I've offered them the original loan sum, one months interest and the default charge (which from reading around the forums is all I have to pay them). After them messing me around for a couple of months they've finally agreed to post me a copy of their companies complaints policy so I can lodge an official complaint with them which I can then take to the FOS when they still refuse to take the charges off.

 

What I would like some help with is what I can write in my initial complaint letter to Kapama in order to have the charges removed. What are the grounds I can do this under?

 

If anyone could help me I'd be really grateful as I would love to stick two fingers up to them.

 

I should say I am prepared to go to court if necessary, and I've seen a few comments on this forum about the judge removing the charges in the court, but will a judge actually do this? Or would a judge force me to pay the whole amount?

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Thanks for the replies guys and this is a position I would love to take.

 

 

I wouldn't give them the option of doing court or not because I'd be filing against them.

 

 

I'm keen to get it sorted because we're saving for a mortgage now and our mortgage advisor is a family friend

and says we'll have to declare any unpaid debt whether it's on our credit report or not

 

 

so any advice on forcing their hand to do this properly would be appreciated!

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If the debt doesnt appear on your CRA why would you have to declare it?

Taking court action again Kapama is a waste of time.

 

We've been told that one of the questions in our mortgage interview would be whether we had any outstanding debt and that we'd be committing fraud if we didn't declare it, hence the motivation to pay what we owe.

 

Why would taking them to court be pointless?

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If its not on your credit file, then stop worrying. If its vastly inflated with their charges then its an incorrect entry and should be removed.

 

basically if its not on your credit file, the mortgage company wont know about it.

 

Theyre a sham of a company and after a few letters will go away, providing you ignore them. You reply to them and they will mark you as gullible.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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They keep coming back because they think youll respond if they threaten you, and right now, you are thinking of contacting and paying, so its working.

 

have they done anything bar send you stupid harassment letters? No. Why? because if they were stupid enough to go anywhere NEAR a court, the court would instantly pick up on those charges, refer the company to the FCA and theyd be closed down.

 

As for mortgages, prime lenders want a good 3-6 years of clear and solid history. If they see one historic entry of a pay day loan, or recent entry, theyll decline your application because thyell know you were in hardship and struggled to meet even your basic outgoings.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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They keep coming back because they think youll respond if they threaten you, and right now, you are thinking of contacting and paying, so its working.

 

have they done anything bar send you stupid harassment letters? No. Why? because if they were stupid enough to go anywhere NEAR a court, the court would instantly pick up on those charges, refer the company to the FCA and theyd be closed down.

 

As for mortgages, prime lenders want a good 3-6 years of clear and solid history. If they see one historic entry of a pay day loan, or recent entry, theyll decline your application because thyell know you were in hardship and struggled to meet even your basic outgoings.

 

I'm aware of this which is why we're saving now read to put our application in during 2018 when my credit would have cleared, including this being removed from my CRA files!

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Hope thats a couple years after its fallen off, because a prime lender wont lend to you if they see a historic or current entry. And you REALLY want to stay away from sub prime lenders.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 2 weeks later...

They can see more than they let on sometimes. Same as with a bank issuing a loan. They look for a few years of clear history. If you dont have that, then they can guess pretty accurately that you had recent issues that just dropped off your file.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Also, Kapama are micro credit. Ran by the same people, just another name.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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