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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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Long standing debts and defaults


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Hi All... I hope you can help... I'll try to make this as short as possible.

 

I was a victim of the financial crash.. the business I was in suffered massively and as a result, in 2010, my income reduced by almost 90%.

 

I made arrangements with all my creditors when I could see this on the horizon (totalling around £100k) which have been in place ever since. The arrangements reflected my reduced earnings and most reduced to around 10% of the normal payment with the interest frozen.

 

Most of my creditors subsequently registered defaults against me.. some quite soon after the start of the problems, some a few years later... which, now we are 8 years down the line, is great... a lot have dropped off my credit file and a few have only a short time to go until they do... BUT... i have 2 creditors, Nothern Rock (as was) and Nat west Bank, who refuse to register a default.. they just show late payments every month even though I am thousands in arrears and show as 6+ on my credit reports..

 

My question is, should they have registered defaults many years ago or can they effectively keep on punishing me, which will ultimately be, for the rest of my life, for an event out of my control?

 

My business will never return to its former glory so I will never be in a position to clear these two debts in full. If I had declared myself bankrupt when the crap hit the fan, this would have been done and dusted many years ago and I would be pretty much back to normal but because I chose to do (what I thought) was the right thing and keep paying my creditors.

 

Would the FOS agree that defaults should have been registered all those years ago or can nat west and Northern Rock keep causing me problems (and they are now becoming quite significant as I need to be credit checked for my work and for business accounts)

 

Any help gratefully accepted

 

Thanks

H

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either stop paying till they register the default. then resume

or write and give them 14 days to register one at the correct date [after the 3rd missed/short payment]

else you'll open a serious complaint with the ICO and seek financial compensation.

 

the ICO guidelines at the time sais 3-6mts

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 for that.. Don't have the option to stop paying as I have to be seen as fit and proper in my job (financial services) currently on enhanced financial monitoring due to the historic issues and have to be seen to be making payments under any agreements

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you have checked all these debts are enforceable esp if you are paying DCA's

 

and I hope you've reclaimed all the PPI/insurances you've been spoofed out of esp on big/secured loans?

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

Ppi sorted.. Haven't checked if the debts are enforcable, most of them have been with dca's for years now!?!?

 

Have had a look at the ico 'principles of reporting debt' and think I can see a hurdle.

 

Looks like I've shot myself in the foot by making arrangements with the lenders all those years ago...

 

The principles state that a default wouldn't be registered under those circumstances so I may not be able to argue that it should have happened all those years ago...

 

Any thoughts?

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are you using the old principles or the new ones

the old principles stated 3-6mts

the new ones now make no mention

IMHO its worth a shot.

 

as for the debts with DCA's

pers i'd be sending a CCA request to each one.

 

no CCA = no pay.

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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