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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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Erudio/Shoosmiths Claimform - 1995-98 SLC Loans - ignored or returned everything since 2013


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  • 3 months later...
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Hi there,

 

Its been quiet on the Erudio front,

 

a short while ago,

I received 3 separate letters from Erudio notifying me of my arrears.

One for each of my three loans.

 

I've attached copies of the letters (all the same) and a copy of the insert that was with each them in one PDF for your information. 

Nothing from the Small Claims Court, so haven't done anything, beyond posting here.

 

Wondering if its useful to post this sort of stuff (don't want to waste your time) or only if it looks like action might be resumed.

 

Best wishes,

 

NOA0419 v2.pdf

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Notice of Sums in Arrears....they are required by the CCA2006 to send you this information regularly.

 

See section 86B of the CCA1974 

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  • 8 months later...

Hi,

 

After a long period of inactivity I received the attached letter from Drydens Fairfax (I had a letter from them back in September informing me they had taken the case on from Shoosmiths - can attach if helpful)

 

I've read other posts around this (seems something similar happened to chilly79) and my understanding is that this is safe to sit on until/unless I actually hear from the courts that the stay has been lifted. 

 

If there is anything that would be useful to do instead of just sitting on my hands though, please let me know!

 

Best wishes,

 

Percy

Drydens_Fairfax_Jan_2020.pdf

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conveniently doesn't address nor mention the most important bit of your defence which is you've never earned above the threshold.

and ofcourse although it is p'haps of little real legal worth, it could be interpreted that they issued the claim solely to halt the SB clock, because its now well passed that date too.

 

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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Thank you for giving this your attention DX, that's reassuring to hear given the quip about an Application for Summary Judgement! 

 

In your experience, would never earning above the threshold count for enough if it did go to court?

 

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we've not seem them ever return once a case has been stayed, and I would hedge my bet that not earning above the threshold along with this now being SB'd (but carefully note the claimform issuance stops the SB clock, legally speaking) those 2 reasons could well be good persuasive matters to a judge.

 

another thing to remember here is the 25yrs rule and your age? re write off typically whichever comes 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

your age?

 

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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ok so age 50 doesn't help

but the fact the last loan takeout will be 25 soon is another +point

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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  • 10 months later...

open

 

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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Drydens Fairfax Nov 2020 redacted.pdf

 

 

I received the above letter last week. More threats to lift the stay, and a Financial Statement to complete.

Given the similarity in nature to the last letter, and your previous comments DX, I'm not feeling anxious about it, and will file it. 

 

Does seem particularly rotten to be sending these sorts of letters out to people just before Christmas in a year which has been especially hard on pretty much everyone.

 

Thank you

 

Percy

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begging discount letter wanting you to fund their xmas party drinks bill no doubt.

they tried the same on you this time last year...:pound:

 

and ofcourse you arent the only one to get these.

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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