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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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help please :(


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sounds like u are doing fine to me.

 

if you want post any letters and we we have a look at them to see if there is anything we can add for you.

OFT debt collection guidance

 

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

 

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Hi thanks Godmother :) I'm concerned about the appeals process and i'm quite surprised at the apparent limitation of 6 months timelines to appeal against council tax banding.. was hoping someone could clarify that for me....possibly i read it wrong.

Its just because theres been a lot of publicity about the council tax reclaiming thing on other websites.

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arghh :/ just checked 1 of the statements from the actual council (which i got about a week before i got the letter above from Scott and Co) and it says on it the summary warrants were granted??? ive heard nothing and been sent nothing with regard to that.

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contact your local courts and ask about the summary warrents.

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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Godmother why dont you think i can CCA the council with respect to the rent situation? I am just asking them for hardcopy proof that i owe outstanding rent? Or is that an S.A.R - (Subject Access Request) ?

 

 

or just merely a letter asking them for proof that i owe the money?

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The CCA standnds for Consumer Credit Agreement.

 

Basically it means any company that supplies you credit you can CCA. Like catalogue company credit card loans hire purches etc.

 

The rent/ council tax would come under a SAR which basically asks a company for all information they hold on you.

 

I would send a SAR and on that letter give the council tax and rent numbers asking for all information about both these accounts.

 

You would need to send a PO for £10.00 tho.

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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sent out the letters today recorded delivery :)

 

2 about the council tax (1 cced to councillor)

 

If we dont come to an agreement regarding a full and final payment for council tax then ill just pay them a low monthly amount ...i dont earn a lot of money...i was basically funding this by selling stuff i have and borrowing money from my brother.

 

2 about the rent (1 cced to councillor)

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Secondly i have had a look at the process of appealing against ct banding. However note this from the Scottish Assessors Association* website.

Also from the SAA website (although from non-residential appeals)

New owners, tenants or occupiers may appeal within 6 months of acquiring an interest in a property and where the Assessor alters the Valuation Roll (by making a new entry or changing the value) the appeal must be lodged within 6 months of the date of the Valuation Notice.

Appeals may be lodged at any time on the grounds of error or in the event of a material change of circumstances

You would be appealing on the grounds of error so they still should look at it even though you are well over the 6 months. They have a duty to ensure all banding is correct.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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thanks rory :)

 

Ok situation at present:

 

Rent:

 

They sent me some hardcopies of their records on this. Basically computer printouts saying how much i owed. They did not send anything with my signature on it. Normally when you pay the rent you get a receipit for it which i thought you signed as well. I wondered if maybe they should have a copy of this?

 

In any case ive agreed to pay back £30 a month in the meantime. So thats that sorted.

 

Council Tax

 

Ive not received any word from the council about the full and final settlement (and complaint) letter i sent to them (which was cced to local councillor)

 

It looks like the summary warrant was not granted? (remember i mentioned before it said on a CT form that it had?) Reason being is that today i received a letter from the Sheriff Officers wanting full payment of £1100 within 7 days or they are applying for summary warrant.

 

EDIT **** my mistake "it says on the letter from the Sheriff Officers "

 

Unless the above amount is remitted to this office within 7 days, enforcement under the Summary Warrant may follow without further notice.

 

I guess i can just phone my local court and ask them if a summary warrant has been granted????

 

Hopefully i'll be speaking to one of the city councillors today about this issue. Because theres a few things ive complained about a) the delay b) incorrect banding c) the charges on top

 

In any case can i claim back the charges? They arent a bank so im not sure if i can.

 

Basically ive offered to pay £900 in full (approx £200 of the £1100 is charges)

 

So S.A.R - (Subject Access Request) time? (with cheque for £10) to claim back the charges?

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phoned the council about the rent receipt thing

 

Apparently (according to what someone told me on the phone) they dont keep hardcopy receipts. Their system will register that X has been paid on X date but they dont have a duplicate of the hardcopy receipit they gave me.

 

I thought legally they had to have this?

Dont know if it makes any difference anyway.

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do the hard copies have payments made on 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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ok so do any of these dates include when u were on benefits and should have been in recipt of HB?

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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its not that which is in dispute and which annoys me its this:

 

1. I was hoping they would have a "duplicate" of the receipt they gave me when i paid the last rent because i was sure i had paid all rent due.

 

They dont so ce's la vies i'll have to pay it because their computer says so.

 

2. They added on 1 months rent because when i moved i apparently didnt give them 1 months notice. At the time i was advised by a council representative that it was fine for me to move but again ce's la vies.

 

But anyway i just want to put this behind me and out of my face.

 

i'll pay the rent and ill pay £900 of the 1100 CT ( i will -NOT- pay charges added on...because its not right:mad:)

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I dont know if the rules are different in scotland but i live in a council house and when we moved out of our last council property we had to sign a piece of paper which was our notice to quit basically. Also as we were moving from one council property to another we did not have to to give a months notice.

 

this was nearly 3 years ago and they told us we had to do that as it was the rules.

 

I would question the extra months rent due to the fact you were informed that you did not need to give notice if you were moving from one council property to another.

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...

Quick update :)

 

Council refused my full and final settlement of £900

 

However they have conceded that the CT banding for the property is wrong! (its too high) So they have put things on hold (ie the sheriff officers) until they can re-calculate the figure.

 

Interestingly i SAR ed the Sheriff Officers (dealing with the CT account to check amount of charges etc) and they have cashed my £10 cheque but no word on receiving anything yet. How long should i wait? And after that point i should send a LBA then?

 

 

RE: rent. setup monthly payments for a low amount which surprisingly (or unsurprisingly) they readily accepted. But ive still got to get solicitor advice on it (just havent had time atm)

 

But im quite please about the CT re-assessment thing :)

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