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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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PRA Claimform - Halifax credit card debt ***Claim Dismissed***


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Further developments to this......I received a letter from PRA Group saying that they have purchased the outstanding balance from Halifax. After sending a couple of "discount offer" letters, they have now sent the pre-litigation letter.

 

Am I right in thinking that I should download the PAP forms from CAG and fire them off to PRA, as per

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017(1-Viewing)-nbsp

 

Thanks

AM

 

Not until they send you theirs.

 

Andy

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Thanks for the replies all.

 

I've already received the PAP pack from PRA (this was included with the litigation intent letter). Been given until the middle of next month to respond.

 

So, I guess I should send them my PAP documents?

 

I understand that they are likely calling my bluff as I have not long ago done the PAP stuff with HPH under CAG guidance. Just don't really want to take any chances that they may be being serious!!

 

Thanks

AM

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All in post 4 of that thread

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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  • 4 weeks later...

Ok, I went through the PAP procedure as detailed in post 4 of the thread

 

Today I received confirmation from PRA saying that they have received my request and have put the account on hold. They also said in the letter that as a gesture of goodwill, they do not charge the £1 statutory fee for the CCA.........surely this has nothing to do with goodwill???!!!

 

Along with the letter I also received an information sheet stating that "If for some reason they cannot provide the original document, they can provide a reconstituted one which doesn't have to be the agreement that was signed".....if this is the case, what is stopping them from just making something up?

 

Also, they have made no mention about the other documentation that I requested (as per post 4 of the PAP thread); does this mean that they do not have to provide this information?

 

Thanks again all

AM

Edited by dx100uk
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Usual reply from them to a cca request

Safe to ignore

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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  • 5 weeks later...

this morning a big fat letter dropped through my door from PRA with pretty much all of the information I asked for in the PAP.

 

If they go for a CCJ Im assuming they will probably get it granted......I'm a little worried about the whole charge order on property thing.

 

The house is in my wife's sole name as I was unable to participate due to my bad credit rating.

 

Would they be able to put a charging order on the house based on beneficial interest?

 

Not sure what to do now and where I stand with things!

 

Any help much appreciated!

Edited by dx100uk
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No they cant

 

Sca n up what you have received to one multipage pdf

Read upload

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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You're jumping to conclusions now.

 

even IF they go for a court claim, who said they will win it?

a whole host of options to stop a claim, or settle out of court.

Mediation, tomlin orders etc, and thats actually if you legally owe it.

 

will say and do ANYTHING to get you to pay, even bluff you with paperwork, hoping you dont see something omitted.

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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Yes, I do have a habit of jumping to conclusions!

Thanks for the feedback.

Good to know the house is not in danger too!

 

Any ideas on what I should do now?

Should I attempt to make contact?

Set up a small payment (currently on a measly student income)?

Ignore?

 

Thanks.

Edited by dx100uk
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already answered this in post 33

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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Share on other sites

I do that too:lol:

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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pages 1+2 are bit blurred need to see the text a bit more clearly

 

re the 2 sets of T&C's

 

is your name and address in the same font/size and the rest of the docs?

 

are the statement on Halifax notepaper or pra? logos etc

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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Thanks DX.

 

1. Sorry about that....I think that may be from compressing the file (was nearly 30Mb, compressed down to 2!). Looking at the document it all looks a little blurry! I will re-scan pages 1 and 2, but just so I don't misunderstand, are you referring to pages 1 and 2 as referenced from the PDF document?, i.e. the PRA cover letter and the first statement page?

2. Name and address look to be the same to me.

3. The statements aren't on headed note paper with any logos, Halifax or PRA......they look like they've just been typed up.

 

Much appreciated again!

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no page 20 sorry the signed agreement

and where is page one of thatagreement?

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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number at the bottom of the other t&C scan we need to see those

that sheet says 3 of 8 you've chopped all the others off in the earlier scan those are very important.

 

we need the tops too as that one has a staple mark and says 1 of 2

these are all important details to show they DONT go together!

and its a PRA filing cabinet jobbie! [cut n paste NOT all from Halifax about YOUR specific agreement]

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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Here is the HD version of the agreement that was sent. For some reason, my scanner just would not capture the entire border of the pages and has cut the first part of the word "page" off! Hope this is ok?

 

These are the only two things with page numbers on, and as you say, the page with "page 1 of 2" at the top, says "page 4 of 8" at the bottom, and the one with "page 2 or 2" at the top says "page 3 of 8" at the bottom......I hadn't even noticed that!

Agreement (HD version).PDF

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load of ole cut n paste bogroll then.

better luck next time PRA!!

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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