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    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • 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
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      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.
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Paragon Loan advice needed urgently


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Hi all,

 

I would like some advice for a secured loan that was taken out by my ex-husband before coincidentally divorcing me a few months later.

The loan was taken out in October 2007 and now over 10 years later i have been paying and the balance has only reduced by £200!

 

I am extremely struggling with this and need to get this debt resolved as soon as possible can anyone please offer me some advice and guidance i have attached the enclosed paperwork.

 

Information:

My ex-husband never made a payment on the loan and was never on the mortgage or house documents,

the house is in my sole name bought before marriage,

i have told paragon to find him for payments however they are not interested and keep threatening to reposess should i not pay them £233 per month.

Doc3.pdf

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removed the upload you name and ref no is showing

try and put those pix to full page before you save as .pdf

 

paragon are a nightmare 100's of like threads here already

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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so does your name appear on the loan agreement? have you even seen it?

 

 

Now whe fraud is used to create binding terms it isnt automatically a dead duck so you may be liable but ahve you checked with the land regisrty to see if it is a charge on your property?

 

 

Also why havew you left it 10 yers before questioning it, that means you ahve accepted it is your problem when it may well not have been at the time.

Edited by honeybee13
Paras
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Hi, thanks for your response.

 

so does your name appear on the loan agreement? have you even seen it? Yes my name is on it as well as my ex-husband i have attached a copy of the agreement received via a SAR request.

 

 

Now whe fraud is used to create binding terms it isnt automatically a dead duck so you may be liable but ahve you checked with the land regisrty to see if it is a charge on your property? yes it is on the land registry however the home is owned solely by me but this loan is on both our names

 

Also why havew you left it 10 years before questioning it, that means you have accepted it is your problem when it may well not have been at the time. By no means have i left it 10 years i found out about the loan when my ex-husband left and i was taken to court for re-possesion of my home since then i have been told i have no choice but to pay the £233.00 payment else my home will be reposessed. However the balance never drops ive been paying for years, in fear of losing the house. Bur its so difficult to manage these payments and all the balance has reduced by is £200 in 10 years!

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You signed the agreement so accepted the terms at the time.

 

 

Ok, are you paying PPI on this and most of their fees arent allowed and interest on fees is also verboten. That means it will be possible to recalculate what you ahve paid and actually owe taking this into account.

 

 

Tally up the telephone call fees etc and ditto interest for such things and tell them that you dispute these charges. This is what I menan about leaving ti for so long, they will say that you knew all along and thus they dont have to consider your complaint as starting at month 1

 

 

also what interest rate are they using for their calculations, is it still the amount agreed back in 2007?

Edited by honeybee13
Paras
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  • 2 weeks later...

Hi thanks for your response i just want to clarity all the fees for phone calls and the interest on these is not allowed?

is there any other fees that are included too

i will tally these up and then should i write to them to dispute these (is there some template i could follow).

 

Also the interest rate calculation i am not sure whether its the same as 2007 how can i check this?

 

No PPI on this loan from what i can see.

 

Thanks

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yes all fixed sum penalty fees.

 

list what you see...

 

you use the cisheet or the statint sheet whichever gives the greater figure.

 

type in reclaiming charges

 

in the search CAG box of the top redtoolbar

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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