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    • I haven't heard of them asking for photographic evidence in this way before – but I don't think it will really pose a problem. Have you got a history of sending parcels which were then lost and you had to claim for? When you send your letter of claim? Was the item properly declared? Was the item correctly valued? Please answer these questions and then take at least a couple of days reading very thoroughly the stories on this sub- forum. There are lots of them. Read some of the pinned topics at the top which will explain the principles and then read the stories to see other people's experience. Post up your letter of claim in PDF format so we can see what you sent.  
    • Just to clarify - it was the lender who undertook works, not me.  They racked up huge huge sums in refurb costs - which were completely unnecessary.  They have been trying to charge all the costs to me.  Of course, I refuse to be held accountable - in my defence and counterclaim.   (I refuse to  be held liable for these works costs whether vat was or wasn't added - I maintain its the lender that must cover the costs).  It was a ridiculous sum of money and made no difference to their ability to sell either.  As its still unsold.    I can see - from disclosure paperwork - that the lender ceo uses this contractor all the time on other properties - for himself and for the bank.  The payer may not be responsible for the contractor's failure to add vat - but the ceo can clearly see it's not being charged - and again and again on all his jobs.  So he is complicit even if not guilty of the actual fraud.    I admit I'm angry with them. The sheer injustice and arrogance (that they could/ can do whatever they want and get away with it - has been astounding.  It's why I have fought so hard to get justice.  This particular issue is just another niggle.  They think they are above the law; can circumvent it - with no consequences / repercussions.    Thank you dx for pointing me to the link. I will now follow that up
    • I have posted the letter off today - sent recorded delivery, so should get to the Police early next week. I also walked along the street where this happened and checked if there were any CCTV cameras or video door bells in that section of the road, but could only find one. I talked to the owners of the house with the camera but they say it is set to only cover the area leading up to the house and not really the pavement or road and footage also auto deletes after 72 hours, so anything captured would be gone now. That was disappointing. I walked along the road a bit more, but couldn't see any other video door bells or CCTV, so that didn't help.  I always thought most people have at least a video door bell these days but not in that road... 😐 So came home a bit disappointed.  If anything else happens I will post an update here, but may not be for a week or so. Not sure how long this will take now.
    • Hi all.   I've just cancelled my Virgin Media because my Wife and I are going abroad for 12 months or so. My Son will be staying in our home, and wishes to start a contract with them. He signed up to a great deal for New Customers online, and a Contract Agreement was signed online. He had a delivery date for a Self Installation Kit but it never arrived. After speaking to numerous Virgin Media Staff online, they are insisting that he calls their Pre Installation Team (I presume that is their sales Team to try and get more money). He doesn't want to speak to them over the phone. He doesn't mind doing a Live Chat, but he hasn't got an Account Number yet, so that's impossible. He even had a chat with a Team Member on Whatsapp, who say they don't have access to the information they need, so he has no option but to call them. Why can't they just be straightforward with their Communications? Is there any other option other than calling them?   TIA.
    • Hi All, I'm looking for help with a P2G claim for another lost parcel. Given the wealth of information on this site, I'm hopeful that this should be an easy one to fix, but want to be sure I have everything. On the 6th March, I contracted with P2G to send a parcel (a £600 Pioneer AVH-Z7200DAB car stereo which is not on either P2G or EVRi's excluded from compensation or prohibited items list) using EVRi, sent it off, and that was the last I heard of it. The EVRi tracking showed that the parcel had made it to the national sorting hub at 2:12 on the 7th, and then vanished. By Friday, I had started to get nervous, and so, raised an enquiry. And then another, and another - well, they weren't responding, and I couldn't get their telephone one to work, I think in all, it was more than 15 enquiries. I also raised an investigation with P2G as well. EVRi closed the enquiry confirming a loss on the 19th March, and P2G near the end, although P2G closed it claiming that I needed to send photos of the parcel as proof - which I didn't have, and I also do not have an account with P2G so couldn't upload anything (I did test, just in case), and this is why despite receiving advice on the EVRi Fb group to send the letter before claim, I haven't yet acted. I have proof of the eBay listing, and the refund, to demonstrate that which was being sent, but P2G's insistence that I have no photographic proof of the parcel with the label - I have the photo of the goods in their box before sending, but this is for the eBay listing, and so does not show it after the fact. This I fear is what P2G will seek to rely on as a defence, hence my 10 week delay on progressing with this. But, I am more than £600 out of pocket for the loss: £600 for the item and £8.04 for the delivery fee, although my claim will actually be for an initial £611.09 to cover the cost of the loss, their delivery fee, and my 1st Class Recorded stamp for the Letter Before Claim to P2G, rising to £681.09 to cover the additional £70 cost of opening the court case if they fail to respond within 14 days. This question mark surrounding P2G's request for photographic evidence, is this likely to cause me a problem? Steve
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      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.  

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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.

      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
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Lloyds Personal Loan


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Hi Chrissi and N.P,

I will pass your messages on as soon as I see him. Sister in law said he didn't get out of surgery until 8pm and is still sedated, probably will be until morning. I don't know about him, but I'm glad its all over, been on pins all day:) .

 

Shazza

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well at least he got a good kip. :D.

 

lets just hope everything is ok and he is less groggy tomorrow.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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LLoydsTSB dont get me started on this one as it could turn out a long thread.

I contacted their regular complaints department by phone who said due to my account being with collections they could not deal with it but they would pass it on to the collections centre complaints department.

Once they contacted me the seemed to be a bit more helpfull than the regular collections staff.

Their is a direct number I wish I still had it for you but its a number of years ago now.

But go down the normal complaints centre line and they will pass it on

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  • 2 weeks later...

Hi there,

 

Has anyone heard any more news from Pete? how`s he doing?

 

Just a thought, when he`s ready to come back on CAG he may want to ask for this thread to be moved back to the Debt Collection forums, so we can keep an eye on it.

 

It seems to have been mixed up in the recent crash. I`m sure he has another one someone, I`ll dig that out too.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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NP.

 

I think we would have heard if something was up. Lets just hope no news is good news.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 2 weeks later...

Hi all,

Thanks for your concerns. I'm back now although everything didn't go as intended and I ended up in Hospital for just over 3 weeks and had to undergo 2 major operations in 9 days.

Anyway latest from Lloyds is that they have instructed Lawyers to make 'Formal Demands' for the balance within 7 days. Or they may do this or they may do that etc .....

Lawyers are SECHIARI, CLARK & MITCELL.

 

The address is exactly the same as the Credit Operations Customer Service Recovery. They are dealing with my complaint I wrote last month.

 

Pete.

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Hi again Pete,

 

I have already posted on your Credit Card thread.

 

I see you have now been introduced to Silly, Claris & Michelle.

 

Well, it looks like it`s going to get interesting from now on. Aren`t they a buch of morons. Why can`y they simply communicate properly with people?

 

Good luck with this one mate, your gonna need it?

 

Perhaps, now is the time to CCA and SAR them, dispute EVERYTHING!

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Glad your back on your feet Odds.

 

dont try and get to stressed.

 

Dont you just love the we may do this.

 

Well i saw on a different thread a lovely letter to silly Clairs and Michelle.

 

Will try and find it for you unless NP nos the tread as i think he has posted on there.

 

Get well soon

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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HI odds and Godmother,

 

Were you on about the letter I sent to them regarding the non-complience of my CCA request? It`s at http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/112783-lloyds-tsb-mastercard-6.html#post1387479

 

If you did mean this letter, then Pete hasn`t CCA them, so it won`t be any good.

 

If you can perhaps remember some of the content then it might jog my memory.

 

Hope you get some suitable help soon Pete, but don`t let these goons get you down.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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no l meant a letter to sc&m

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi again,

 

Right, you mean this one?

 

 

 

Dear Sir

 

 

I refer to your letter dated 12th February 2008, the contents of which have been noted.

 

Frankly, I am surprised of the need to remind a firm of solicitors about the terms and conditions surrounding my requests to your clients for a true copy of my Consumer Credit Agreement (Consumer Credit Act, 1974); I can only assume therefore that they failed to inform you that the above account is in dispute.

 

Should your clients now persist with threats of legal action, I will welcome the opportunity for a judge to look at several offences committed by your Client under The Consumer Credit Act 1974, as well as your clients' non-compliance with and total disregard for the law on this occasion.

 

May I draw you attention to my letters of 21st September 2007 and 31st January 2008 in which I clearlyoutlined my position concerning this matter. I enclose a copy of each for your perusal and ease of reference.

 

Lloyds TSB has failed in my lawful request under the Consumer Credit Act 1974 section 78(1) and subsequent Statutory Instruments.

 

I formally advise you that since Lloyds TSB have failed to comply with the terms of the Consumer Credit Act that as from 9th October 2007 they are in legal default on this alleged agreement. This default means that the alleged agreement from this date is totally unenforceable. Lloyds TSB may not apply any charges, cannot issue defaults, cannot sell or assign the alleged debt or cannot invoke any clause within the alleged agreement.

 

Furthermore you should be aware that a creditor is not permitted to take ANY Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

 

* may not demand any payment on the account, nor am I obliged to offer any payment to you.

* may not add further interest or any charges to the account.

* may not pass the account to a third party.

* may not register any information in respect of the account with any credit reference agency.

* may not issue a default notice related to the account.

 

 

Therefore this account has become unenforceable at law.

 

Lloyds TSB have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

The mere fact that they have passed this account to you while it is in dispute and default is also in breach of the Data Protection Act 1998.

 

After taking advice, I am of the opinion that your continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

 

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.

 

I would appreciate your due diligence in this matter.

 

I await your rapid response.

 

Yours sincerely

 

 

 

Me.

 

 

 

The thing is Godmother, this also states they have ignored my CCA request, so it still wouldn`t really be much good to Pete. He may be able to edit it to suite his needs, I don`t know.

 

We`ll see what other templates someone can come up with. I understand your pretty nifty at writing snotty letters yourself? LOL

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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yep but mine have lots of language in the which can be edited.

 

l will review the case and look into a lovely letter for them.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi Godmother,

 

Do you mean dodgy language? I like that, LOL. They won`t, but do we really care?

 

If you like writing letters, I have one I want to send to 3 Mobile for a friend, but I`ve been unable to find the right wording, so haven`t bothered. If you`d like to help, then please let me know.

 

Obviously, Pete`s is more of a priority at the moment, so let them have it! LOL.

 

Catch you all later.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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i will sort it out later for everyone. will need to review case and a bit more info first tho but will post questions on here

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 2 weeks later...

Since my letter from Lloyds solicitors on the 7th February I have heard nothing untill this morning when I received this letter from BLS Collections, who are a trading name of Lloyds TSB Bank plc. It's in the small print at the bottom of the letter.

There is also an expenditure sheet on the back which says I must fill it in and return it to them. Do I really have to fill it in ? I have already sent Lloyds THREE copies of my expenditure sheet, which is probably in a bin somewhere now.

 

BLSCOLLECTIONS.jpg

 

I have a couple of questions relating to the paragraph I have boxed in.

It says that they may be forced to make telephone contact with me. So who is going to force them ?

Or they may advise Lloyds TSB that a personal visit may be required. Would they not be wiser asking me about a personal visit first ?

 

Now I have no problem at all with meeting a Lloyds employee at my local branch to discuss my situation, so this would seem the most sensible solution. What I need is a quick suitable reply to put them straight on both points that, I don't do phone conversations, and I certainly don't do home visits either.

Oh, and who do I now send the CCA request to ?

 

Thanks for your replies

 

Pete.

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Odds I can't see that you ever received a reply to your official complaint. If you didn't receive a reply I would send a copy to BLS and write again to Lloyds and tell them that has they have not addressed any of your issues within a reasonable time span it has left you with no option to make a formal complaint to the FOS. Send them a copy of your original letter, make sure you get proof of posting from the Post Office. Give them 10 days to respond. BLS don't normally do phone calls as I have dealt with them in the past and I have never spoken to them.

 

Hope you are in good health.

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Hi Surprise,

Health wise I'm getting better daily thanks. As for my complaint.

They signed for my complaint on the 28th January.

I got my first reply, dated 5th February. It just said that they expect to complete enquiries within 4 weeks or let me know if there is going to be a delay. I then got another reply dated 22nd February. This said that despite thier best efforts they had not been able to resolve the matter but will write again within the next 4 weeks with a response or an estimate of when I could expect a decision.

The complaint is about charges they are applying to my current account because of missed payments to my loan so I don't know how that would affect them passing it to BLS.

Just another quick question. If BLS are acting for Lloyds then why are Lloyds still phoning me ? Unless it is regarding my CC rather than my loan, but it is always the same number.

 

Pete.

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What I would do is write to Lloyds again, copy to BLS, asking why they have passed the account to BLS when there is a clear dispute on the account. Tell them they have had adequate time to resolve the problem and should you not hear anything definite from them within 10 days you will pass the matter to the FOS to deal with.

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who ever is chasing u for the money

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi odds,

 

Well, the reason I haven`t been paying them or replied to any of their letters is because they have Defaulted on my CCA request, so I have no obligations to them. They do have one to me though, my CCA request.

 

It seems there are a lot of people having all sorts of trouble with Lloyds, and it looks like Lloyds are just blanking everyones requests.

 

Why don`t you open another Account with another Bank and use that from now on? You could still keep paying your £1 a month.

 

I`ll catch you later mate. I have a phising letter to print out now to another bunch of knob jockeys.

 

Regards

 

 

N.P

 

Opening another account is a good idea, however, banks have started using a new credit defaulting system called 'White Listing'. This means that your details are passed to credit reference agencies for the period that your account(s) are in arrears. Subsequently, your credit rating goes down, and when banks or building societies look to open a new account with you, they'll have the knowledge that you have an account in arrears and are more than likely to, until you're removed from the White List, refuse you finance of any sort. Unfortunately this is a relatively new system and anyone whose accounts are in collections get automatically passed over, however, as soon as you clear [them] your details are removed from the White List during the next calender month. This latest consequence has tightened the grip that creditors have over those who are in debt.

 

Just thought I'd let you know :)

Best wishes.

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Opening another account is a good idea, however, banks have started using a new credit defaulting system called 'White Listing'. This means that your details are passed to credit reference agencies for the period that your account(s) are in arrears. Subsequently, your credit rating goes down, and when banks or building societies look to open a new account with you, they'll have the knowledge that you have an account in arrears and are more than likely to, until you're removed from the White List, refuse you finance of any sort. Unfortunately this is a relatively new system and anyone whose accounts are in collections get automatically passed over, however, as soon as you clear [them] your details are removed from the White List during the next calender month. This latest consequence has tightened the grip that creditors have over those who are in debt.

 

Just thought I'd let you know :)

Best wishes.

 

 

Hi there English_Beauty,

 

Thanks for that post.

 

I`ve never heard of that before, probably because it`s new like you say.

 

Where do all these black & white lists come from? It`s seem`s none of our data or activites is safe from anyone. It`s quite sad to think we live in a land where everyone else has a right to know everyone else`s business.

 

I bet most of the people who are on this virtual white list have been blasted with bank charges anyway, possibly one of the reasons why people`s accounts are in the red.

 

Perhaps we should all open half a dozen bank accounts before we all get spotted?

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi again,

 

Just another thought, isn`t this another [problem] to trap you into more debt with your original creditor who is probably already lashing you with charges and interest?

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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