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    • Thank you for that i thought id just ask as i was unsure.  Just hope its returned to me and doesnt spend the rest of its life going back and forth to Singapore  
    • Thanks @lolerz. I've attached it to the post. What do you think? What's the organ grinder? NTK.pdf
    • 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)   ?    
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RBS arranged and unarranged overdraft charges


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Hello to you all

 

I have been reading and digging out numerous threads on RBS and how I can request for a overdraft charge sheet from years back. I was wondering what exactly should be the wording of the letter and what I should be looking out for in the details of the sheets they send me, this is regarding what I can and can't claim back.

 

Many thanks.

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send them an sar

 

id wait until after may 25 it will save you £10

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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Many thanks for your response DX.

 

Does this May 25th has anything to do with the General Data Protection Regulation coming into full force from the EU.

 

Also, a bit of a silly question

but, what is this post 3 referred to in the SAR templates that is deemed imperative to be read before using any of the SAR guides?

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yes GDPR

 

as for post 3 read 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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Right, I'd contact them first week of June, and then come back with all the info I can get from there to take things further. This is an amazing site and really love what you guys have done here, I wish I knew half of the things I've binge read here in the last 72 hours, would have saved me tonnes of trouble and other ugly financial/consumer dealings from the past. Cheers.

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that's what we are here for..

 

good luck

 

ask away.........

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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Hi DX,

I'm back again with more questions/queries. Over the last five, six years I've had the following financial transactions/ packages;

 

Everyday Loans (payday)

Very Credit Card

Capital One Credit card

RBS current account

 

Close Military Brothers car finance/loan

 

Very online/catalogue account

 

 

I'm very much interested in sending SAR out to all of them, just to see what I can find and or come up with. Is it ok to use the generic SAR template and throw in a request for any PPI's as well, are they compelled to especially release information about the PPI bit.

 

The last account I closed was Closed Military Brothers, I voluntarily terminated the agreement after paying a little over half of it. I forked out nearly 400 GBP to serbice the car, MOT, as well as two brand new tyres out of courtesy, I still have the receipts for it all. I was made to pay for a Gap insurance addon I had on the agreement before it could terminate, I asked for receipt which they claimed was not possible as they don't issue receipt for the gap insurance payments so they fobbed me off on that one.

 

Two months down the line these people came back telling me I owed them 2 months worth of late payment/arrears because the car was in my possession. This situation came about as a result of them not being able to find a car auctioning company on time to come take the vehicle rght after the agreement ended. And twice they sent someone out to my address without informong me. They were very adamant that I owed them till I threatened to escalate the issue to the FOS/FTA as my wife was getting stressed out by their barrage of phone calls and letters to my address.

 

They suddenly dropped the case and also deliberately refused to send me a copy of the agreement affer I had explicityly asked for it, thing is, I do not have the original agreement and feel there's something I might have missed and which they either dont want coming out or me discussing it.

 

Anyleads on how to go about this one specifically or I should just go ahead and SAR them as well after 25th May and take it from there?

 

Find attached as screenshot of the last post from them

IMG_20180428_200516.jpg

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get the info first

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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