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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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      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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Advice Please


Hecuba
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I received a letter today from HSBC telling me my credit card debit with them for £7,000.13 has been sold to Cabot Financial UK.

Cabot Financial also sent me a letter informing me a CCJ was obtained by HSBC from me.

Cabot Financial inform me I can continue the £10 a month payment but they are asking me to contact them.

I certainly won't be ringing them!

 

HSBC is a credit card debt and I know the CCJ was obtained over 6 years ago.

I have been paying HSBC £10 a month for the last five years.

 

My other credit card debts are also over 6 years old and are

Lloyds Bank £10,000;

Egg £4,800;

Capital One £4,000.

 

 

have been paying £10 a month to Lloyds;

£10 a month to Lowells who are DCA for Egg and

£10 a month to Robinson Way who are the DCA for Capital One.

 

 

have been paying £10 a month to each of these companies for just over 5 years now.

 

have searched Trust Online and discovered there are no current CCJ's but I know this is because the 2 CCJ's which I believe I have are over 6 years old.

 

am wondering should I send a CCA request letter to

Cabot Financial;

Lloyds Bank;

Egg and

Capital One?

 

 

I am concerned Cabot Financial might try to force me to increase my payments given they now own the debt.

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if the £10 a month was agreed thriugh the courts they cant increase the payemnt without going back to court.

 

 

Should they do that and the court decides the amount will stay at £10 then they pay your costs as well as the court fees so they wont be going there if they can help it.

 

 

What they will try is to get you to agree to pay more thus rendering the court order redundant.

So, the simpe thing to do is pay them the tenner as per their instructions and do not enter into any correspondence.

 

The CCJ's will be live becuase you have kept to their terms, they just wont appear on your credit files because you have been good.

That means should you have ideas about stopping that payment because you cant see the debt

it will give them a reason to go after you big time.

 

By all means CCA the other loans and cards.

If they cant comply within 12 days you stop paying them

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Hi ericsbrother, many thanks for your prompt reply. HSBC didn't enforce the CCJ

- meaning they didn't demand I pay £10 a month.

 

I voluntarily offered to pay this amount because it was the maximum I could afford.

 

I've been paying £10 a month to HSBC for over 5 years now.

will continue paying the £10 a month and won't enter into any correspondence with Cabot.

 

I certainly don't want to give Cabots any reason to increase my monthly repayment will continue paying the £10 a month via HSBC.

 

Also will continue with the £10 a month for each of the other credit card debts since I can't find paperwork showing which credit card company owns the CCJ.

 

Will do a thorough search to find the CCJ's paperwork before sending any CCA's

because I don't want to give these DCA's/banks opportunity to go after me.

 

thanks again for your excellent advice and swift response.

 

Hecuba

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id be sending a CCA request to all the people you PAY.

not the original creditors

inc the CCJ ones.

 

 

so HSBC took you to court but never got the CCJ but dropped the case as you entered into an agreement? wasn't a tomlin order was it?

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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when you say didnt enforce the CCJ

what did the CCJ actually order?

full payment?

payment at £x per month ?

 

 

or as DX says a Tomlin order ( basically a binding confidential agreement)

 

Many people use the CCJ acronym when they mean a court claim.

 

 

From what you say it appears as though you didnt defend a claim form HSBC so you will need to know what the order was

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