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    • I'm afraid that if the value of the item was under declared then that is probably the best that you can hope for. Also, because the item was incorrectly addressed – even by a single letter, if that because the issue relating to the delivery then that has probably compounded the problem. There is probably very little that can be done. If you are lucky you will get the item back and then you can start again and declare it properly. Undervaluing parcels which are sent by any means is always going to cause a problem if the item is lost or damaged. It may mean that the cost of delivery is slightly less – but at the end of the day the risk becomes yours. When you enter into any kind of contract, effectively you declare it a level of risk to your contracting partner – and they decide to enter into the contract with you based on that level of risk. You have declared a level of risk and £50 – and that's the deal.   Additionally, undervaluing an item which is an internationally has the effect also of evading customs and any VAT system which is in force in that country – and that makes the whole thing a little bit more serious
    • Perfect. Nice and brief and to the point. You don't bother to start telling your life story. Just the way it should be. Send it off. You have probably done enough reading to understand that it won't make any difference don't start drafting your particulars of claim. Open an account with the MoneyClaim County Court system and start preparing. Post your particulars of claim here before you click it off. You may have noticed that at some point you will be asked if you want to go to mediation on this. We used to advise it but now we recommend that you decline mediation and go to trial. Your chances of success are much better than 95%. Going to trial will incur an additional hearing fee but of course you will get that back. However if you go to mediation, they will simply try to penny pinch and to get you to compromise and also they will sign you up to a confidentiality agreement and probably threaten you if you breach it. Not only that, if the mediation fails because you stand your ground, it will add additional delay while they then give you a date to go to trial. The best thing to do is to decline mediation – prepare for court hearing. Pay the extra fee. The chances are that rather than get a judgement against them they will then offer you a full settlement rather than go to court. If they do offer you full settlement then you will be obliged to accept it – but that's what you want. If they don't offer you full settlement then you will go to trial and there will be a judgement against them. Just so that you understand, our first interest is that you get your money back – but a close second is that it does go to trial and there is a judgement which we will then be able to use to help other people. Anyway as you should realise, we will help you all the way.
    • I sent a parcel to Singapore but i spelt the address incorrecltly by 1 letter so the parcel couldnt be delivered and was returned back to the Uk but checking the tracking today the parcel had returned to the UK but is somehow on its way back to Singapore as the tracking says "Item leaving the UK"    Ive spoken ( tweeted) Royal Mail help who confirm that the parcel seems to be going back to Singapore and that if its not " Delivered" by the 29th of April theyll deem it as lost and will accept a claim but i cant remeber when booking what the compensation amount was but i dont think it covers the amount of the item.  As it was my fault that it wasnt delivered in the first place can i trey and claim the full amount back ? i think if i remember correctly it was £50 compensation but the item was £170 So the timeline is thus ...   22nd Of March .    Booked via P2G & dropped off a Post Office.  25th March arrives in Singapore and goes through customs ect ect 26th   Incorrect address and item is flagged as "return to sender" 28th Item leaves Overseas intenational processing centre 15th of April , Item is leaving the Uk (Again)   ?    
    • Post the NTK up here for the regulars to double-check. I highly doubt it's compliant with POFA though. Ignore the deforestation that comes unless it's ever a letter of claim. Any luck with the organ grinder?
    • Probably the case @lookinforinfo Also an update, I've got the registered keeper letter. Just to check that I continue to ignore it until PAP letter comes in?
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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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Student Loan debt in NZ, Living in UK


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I've had a student load in NZ since 1996 and never paid anything off.

I have lived in the Uk for 15 years and

 

recently I was contacted by a collection companany called CCI representing IRD and saying I owe NZD 36,000 and need to pay now.

 

After advice from a lawyer,

I have decided to apply for bankruptcy in NZ.

 

Now, my question is,

do I make contact with IRD and/or collection agency informing them that I have applied for bankruptcy as have no way of paying loan back?

 

I am worried they will continue putting pressure on me now they have found out where I live.

I have no assets,

earn a low income,

an a single mum etc so really have no way of paying anything back.

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guys I need advice. I have a student loan in nz dating back to 1996. No payments made. I have lived in uk for 15 years with no intention of going back to nz. I owe $36,000. Should I declare myself bankrupt in nz? I think its my only option as I have no assets and a low income.I have looked on the Insolvency website in nz.

The IRD's collection agency in UK, a company call CCI have found me and are hounding me. Should I make contact with IRD and/or CCI and explain that I have no money and will be declaring bankruptcy in the near future.

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This is a UK site. Not sure anywhere here will know enough about NZ student loans or NZ bankruptcy processes. If you have spoken to a NZ Lawyers and they are dealing with bankruptcty, you should not be contacting any debt collectors. Just wait until you have sorted out the bankruptcy. Then once that is going through, the NZ creditors owed the money will be contacted and debt collection should stop. If it does not, then pass on letters to whoever is handling the bankruptcy.

 

Debt collectors have no powers and you can ignore them. They can threaten allsorts, but they would need to spend money going through a court process to have any debt enforcement options.

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if you are going BK solely over this stupid powerless DCA chasing a NZ debt from 1996 id stop the process now and not waste anymore money doing it.

 

there is absolutely nothing a powerless DCA can do whatsoever about the debt.

they ARE NOT BAILIFFS

and as with all DCA letters not matter what country the supposed debt originates from...they can be TOTALLY IGNORED.

 

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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  • 2 months later...

 

 

Hi Kiwigel,

I am just wondering if you have gone ahead with filing for BK and if so did you file in the UK and include your NZ loan, or did you just file in NZ?

 

I have debts that I can not clear here in the UK and no assets so have been advised to file for BK, but have been informed that I need to include all debts including my NZ student loan. I contacted insolvency NZ, who told me they are unsure if a UK BK will be accepted by NZ, meaning I may have to file a separate bk in NZ to cear my NZ student loan (so, file for BK in both countries). Why they are unsure I don't know, given all the postings on the internet about overseas kiwis filing for BK to get out of NZ student loans surely Im not their first case of this nature?

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start a new thread

and start one of your own please

I question the need for anyone to go BK in the UK let alone NZ

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

 

I only applied for bankruptcy in NZ and it was accepted thank goodness. Its very simple to be honest. I did it all online from the UK. The NZ Insolvency Website is very good.

 

So far so good....it has not affected anything in the UK. I had heard sometimes they contact your bank in Uk but nothing so far. It went through very quickly also. Within a few weeks. I only had the student loan debt. Ask me anything you need btw.

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  • 7 months later...

Since you kindly offered to answer questions about this I wanted to ask for an update on how your NZ bankruptcy is impacting on your life in the UK?

 

I am considering applying for NZ bankruptcy and it's been hard to get any useful information on what effects this would be likely to have on my life in the UK so any insider info would be much appreciated!

 

I'd be particularly interested in what UK financial documents (bank statements, payslips, etc.) you had to provide and how much contact you've had with the administrator since that initial application process (do you have to provide regular updates, etc?).

 

Also, did you have to sell any assets and are you having to make regular payments during the term of your bankruptcy?

 

Thanks in advance.

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if you go BK in NZ that's it dead done

cant effect anything here and know one knows about neither do you have to tell them

kwigil has new returned to cag.

 

thread now closed to stop newbie bumping

 

anyone with a similar issue that has their own issue after reading this thread carefully

then start a new thread

 

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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Share on other sites

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at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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