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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • 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    
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    • 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.

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Big Bro against RBS


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Was wondering if anyone can help? My brother is mentally ill & a few year back his benefits were changed from post office to the bank. He didn't cope at all with his account, was given a loan at the time as well. He ended up back in hospital & social work took over his affairs.

Now, after a few year he is still paying money back to the RBS, but doesn't know why! We know for sure that charges were made to his bank account.

He managed to get me a few recent letters from the Bank, but they are from 'Unidebt Collections' who seem to be a trading name for RBS. This is all the information. Can anyone help as to where I go from here. I wish to claim back his charges for him. Anyone??

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Have to be a bit patient dude, 40 mins is a bit soon for a bump ;)

 

Okay, first read http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html, then familliarise yourself with http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html.

 

Just get your bro to sign the letters. In the unlikely event of ending up in court (and if you stick to 6 years and simple statutory 8% interest you will be paid long before court,) I think your bro can nominate you to represent him, you can certainly go along to advise him.

 

In fact, in view of your brother's health, I reckon the courts would be very helpful.

 

If there is a debt collection agency involved, get the SAR off and then write to the DCA informing them the account is in dispute and no more payments will be coming until it's resolved.

 

That should keep you busy for a couple of days, until wiser heads than mine can give some input.

 

I'll have my faithfull side-kick T4FF swing by, he has several successful actions under his belt and is a very nice, helpful fellow, even if he is Welsh :grin: :wink:

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Wow, it's like listening to my own story!!

 

Hydra pointed me in the direction of this but I'm not sure he realised how much of this I've been directly involved with! I'm in exactly the same situation as you with my brother gil.

 

I would firstly advise you to get your brother to sign a letter that gives you the ability to work his complaint for him - if his illness is anything like my brothers and he suffers from paranoia or similar, this might get a bit too much for him, so sending this will take any of the flak away from him.

 

"I hereby grant authority to ******* in order that he / she may deal with this matter on my behalf. You may disclose personal details accordingly"

 

It means you can have any letters sent directly to you therefore giving you the power to only let your brother know the key parts of what you're doing.

 

Next, send a letter to the DCA as Hydra says, telling them that the account is in dispute. This will mean that the account will be handed back to RBS until the dispute is resolved.

 

It has come to my attention that the debt alleged by ********* may contain a proportion of unlawful charges.

 

I have therefore sent a Subject Access request to ****** in order that I may examine my statements of account. A copy of this letter is enclosed for your records.

 

Please accept this letter as written confirmation that the account is “in dispute” until this matter is resolved. I am sure that you are aware of the Office of Fair Trading guidelines concerning legitimately disputed debts.

 

Note, this will need to be sent in conjunction with the SAR as this will be the letter that puts your account into dispute.

 

You are now sending an SAR so job done there but also you should get some information regarding the credit agreement for the loan so send a CCA request to them (haven't got this to hand sorry). You should have the opportunity to claim off this loan too (have a look into this).

 

Finally, in your brother's interests, I would advise you to either set up a parachute account and get his benefits paid there or return things back to him collecting his benefits from the post office.

 

This should be a good place to start with regards to charges being taken out of his benefits.

 

Hope this all is of help. Any more questions, do fire away.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Cheers for all that info. His benefits are changed back to post office. We may run into a bit of a problem with time as this happened 4-5 years ago & we are in Scotland. Will wait & see what comes back with SAR. They completely robbed him! Will get in touch if I need more help. Thanks T4FF!

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Any relatives in England? It might be possible to go through English system if your relatives would permit you to send correspondance through them.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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There is a service available that allows you to rent an English address if you live in Scotland, I've seen reference to it in another thread, I'll have a look for it and get back to you.

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