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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • 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    
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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.

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      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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Wonga buyback, CRA's & DCA


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I had an account with Wonga that was taken out in April 2011.

 

I received an email from Wonga in Feb 2015 just over a year ago stating that i no longer owe any money to Wonga or to PRA(UK) ltd and that my credit file would be updated to reflect this.

 

My issue is this.

 

I believe i have 2 defaults in relation to Wonga on my credit file. 1 for £1145.00 from Wonga the other £1192.00 from PRA UK Ltd. They have different default dates however I'm sure they must be the same account as i cannot recall any other debts to that value at that time.

 

I have contacted both companies but haven't received any feedback as yet.

 

Question 1- Could they be the same accounts with different default dates and values? albeit similar.

 

Question 2- Does the Wonga buyback remove the default or just update the balance the zero?

 

Thanks in advance.

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Hi

It is highly possible that the two defaults are for the same debt but you haven't said whether PRA bought the Wonga debt or whether you had any other loans which could have been defaulted around the same time.

 

Regarding point 2. It would depend on what wonga said they will do. If they have said that they will update the file showing a zero balance then any default placed will remain for the rest of the 6 year period.

 

I assume you have the email from last year so you can then hold them to it.

 

With PRA, IF it is related to the Wonga debt, demand they remove it immediately as they are no longer the creditor

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi

It is highly possible that the two defaults are for the same debt but you haven't said whether PRA bought the Wonga debt or whether you had any other loans which could have been defaulted around the same time.

 

Regarding point 2. It would depend on what wonga said they will do. If they have said that they will update the file showing a zero balance then any default placed will remain for the rest of the 6 year period.

 

I assume you have the email from last year so you can then hold them to it.

 

With PRA, IF it is related to the Wonga debt, demand they remove it immediately as they are no longer the creditor

 

Thanks for the reply.

 

I cannot recall anything else around that time that was defaulted.

I've emailed PRA a couple of times but they haven't replied. I'll give them a call and find out. Hopefully it's the wonga default duplicated. I've only got just over a yet to go until they drop off now I believe.

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If you ring anyone, record the call in any way you can. If you have a home phone with a hands free option, use that and a mobile to record them. You do not have to tell them you are recording.

 

Have a read of our customer services guide as well

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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