Jump to content


  • Tweets

  • Posts

    • 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?
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

PRA PAPLOC now Court Claim - HBOS Credit Card debt ***Claim Struck Out***


dagboyblue
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1276 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

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

Recommended Posts

Hi All

 

I have been in an ongoing tennis game with letters going back and fourth with regards to an old debt i had with the bank of scotland (Credit Card)

 

I have sent the usual CCA request to the PRA Group and have received the following

 

A signed credit agreement

A notification of assignment - (showing PRA Group as holders of the debt from July 2014)

A statement of account up to March 2011

 

However the statement of account is where I have the issue, they only provided me with a credit card statement up to March 2011, the total they are chasing is lower than the one issued on the statement.

 

I know this should the case as I was using a debt management company (Compass) to handle the account, and they issued payment of £6.49 a month, Compass ironically went under in April 2014, taking my debt savings and no more payments were made to PRA Group.

 

My point is PRA group have only produced a official statement up to 2011, and only provided a spreadsheet on business paper showing payment of £6.49 made a month. There is no official statement showing these payments were made by Compass and especially nothing to indicate compass was acting on my behalf.

 

I am assuming that if PRA group cannot prove the £6.49 payments are made on my behalf, the debt can be classed as Statute Barred as officially my last payment to Bank of scotland would of been in 2011

 

I have attached the last letter from PRA which includes a sample of the statement they provided (which anyone could knock up on excel). Am I ok to challenge this statement and ask for proof of who paid the £6.49 and confirm documents stating on who's behalf the payments were made?

 

Any help on this is appreciated

 

Thanks

 

Link to post
Share on other sites

  • Replies 98
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Never enter into letter tennis with a DCA.

 

Also in response to your CCA request, is that PDF all that you recieved from them? If so, then its not compliant.

 

When was your card taken out?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Hi

 

thanks for replying

 

No this wasnt the only response, I received a reply to the CCA which included the signed agreement, notice of assignment and the account statement (but only up to 2011)

 

the credit card was taken out in 2004

 

this reply was received after i denied any liability and request a full statement to include transactions from 2011 to 2014, which is where they have only provided this excel spreadsheet showing a payment of £6.49 a month up to 2014

Link to post
Share on other sites

renamed and moved to the HBOS forum

 

attachment hidden you must redact ref/account numders.

 

can we see the CCA return please

 

also did you take this card out whilst resident in Scotland?

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... 

Link to post
Share on other sites

Hi thanks for moving to the correct forum

 

No i was never a resident in Scotland

 

I have attached the 1st reply to my CCA where i received, notice of assignment and statement, the signed agreement i received a week before (i originally asked for that over a year previous)

 

page 1 = 1st response letter i received

 

page 2 = 2nd letter i received after I queried the lack of information on the original statement.

 

I had already received a copy of the original signed agreement about a week before the 1st response letter

 

hope this makes sense

merged 1st and 2nd CCA letters.pdf

 

sorry - getting tired LOL

 

I have left out the copy of the statement as it is basically a excel spreadsheet saying a payment of 6.49, nothing official, my kids could make it up

 

the CCA request i sent is the standard template used (sorry dont have a copy available at the moment"on my work laptop", but it is the same as the form on this site)

 

1st and 2nd response letter from PRA attached

 

Link to post
Share on other sites

you indicated earlier that you had already sent a CCA request and that PRA had returned documents...it is THAT return we need to see.....

not your CCA REQUEST...the RETURN to 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... 

Link to post
Share on other sites

Hi

 

my original CCA request was to the PRA group back in 2017, they returned a letter to this request which only included the correct signed CCA with Terms and conditions just 3weeks ago.

 

As i have managed to squash a few agreements in the past I unnderstand they have provided me with the right CCA document however did not provide the correct documents for notice of assignment and statement.

 

unfortunately this original letter is at my work place and I cannot retreive it for a week as i am off with the kids for half term.

 

From what i can see they have provided the right documents and a statement, but only up to 2011, but nothing that points to me making payments since 2011.

 

The angle i wanted to follow was the fact they need to prove i have made payments after to 2011 to 2014, if they cant then i can go for statute barred??

 

hopefully this makes sense

 

thansk again for your support

Link to post
Share on other sites

Dagbloyblue. WHat he means is can you post that response you got, so we can check to see if it is fully compliant. Many DCA's comply 90% but omitting that final 10% is a fatal mistake for them. It's what trips many people up, as they see the vast majority is compliant and think the entire response is.

 

it's better to be 100% sure right?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

yes sure 100%, I have noticed a few of the Dca' s my original debt management company "compass" had deals set up with did not require any payments legally.

 

I appreciate the help in reviewing this mine field

 

I will post the letter up as I get back to work possibly Thursday

 

thanks

Link to post
Share on other sites

Hi

 

I have managed to load up the earlier letters from PRA

 

Letter 1 dated 10/09/2018 - was when i received the signed agreement , which i responded to using the CCA format requesting Notice of assignment and full statement

 

Letter 2 dated 12/09/2018 - was a letter before claimicon, received a day after letter 1 - I never responded to this as i had already responded to letter 1

 

Letter 3 dated 10/10/2018 - was a response to my CCA template letter and provided the notice of assignment and statement up to 2011

 

Letter 4 dated 16/10/2018 - was a response to a request on further statement information from 2011 to 2014 where they just provided an excel spreadsheet, stating monthly payments of £6.49 "nothing indicating where payment was from"

 

Hope this is making sense

 

thanks

merged PRA Letter Files 25102018.pdf

 

Link to post
Share on other sites

hi ya

you keep uploading their letters

we don't need those

they state they have sent copies of the agreement default notice, notice of assignment and statements...

 

can we see those please?

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... 

Link to post
Share on other sites

compass were obv paying HBOS not PRA as it wasn't sold till 2014.

IMHO I agree with you, they if they were paying the OC then the statement should come from HBOS or atleast be on HBOS letterhead

a statement produced by the fleecers for payments not directly made to them, when they didn't own it at that time is certainly questionable

 

as for the CCA return, IMHO that is enforceable.

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... 

Link to post
Share on other sites

I certainly wouldn't believe anything a DCA sends you when at the time of those payments, they did not OWN the debt.

as for if those payments were authorised, well obv they were as compass were paying upon your written instructions..cant get out of that

 

why not SAR HBOS? its free!!

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... 

Link to post
Share on other sites

Stuff pra's stupid time linits

It your money..you control who gets it and when

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... 

Link to post
Share on other sites

  • 4 weeks later...

They still have a fair bit of time to comply with the SAR request. Theyll likely leave it until the last minute.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Let it run

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... 

Link to post
Share on other sites

Cause they will...not

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... 

Link to post
Share on other sites

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice-1st-Oct-2017

 

is what the must do...

 

me thinks they are just waving their daggly bits

and of course

the nearer, if it was not already, the SB point passes...

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...