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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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      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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Lewis Group - letter from DCA in France


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Hi all, I've had a look at some other 'overseas' threads but they weren't quite the same as mine so excuse me for asking again.

 

I have a Coopertive Bank credit card registered at an address inthe UK (my old one, now parents one) although I live in France. I recently got offered a better deal with another credit card to transferred part of the balance to that.

 

All of a sudden I got a letter from the Lewis Group saying that my debt to Co-op had 'gone on long enough' and they wanted full repayment. Bit weird but I believe they can close an account at any time.

 

I sent out a SAR letter to them with the 1 pound for Data Protection. They cashed the cheque and I got the notice of delivery so they definitely got it.

 

They've ignored my request and I've now received a letter from France-Creances asking for payment of the debt.

 

I've written to them to say that as it's contested in the UK the Lewis Group has no legal right to employ a third party to try and collect it, nor do they have the right to add charges to it (about 120 euros has been added on).The original contract stated I believe, that in the case of any legal action it would be governed by UK law.

 

Am I right?

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From the Insolvency Network:

 

Creditors taking action

Some countries, such as Germany and Canada, have reciprocal agreements when it comes to tracing debtors and debt collection practices. There is not an awful lot of information regarding which countries have reciprocal agreements and which do not. Could it be that creditors do not want people to become too clever so have not made it common knowledge? However, a search around the World Wide Web might disclose a few more countries with these agreements.

A reciprocal agreement in the UK means a UK Court can enforce a CCJ (County Court Judgment) using the legal system of the other country. If there is no such agreement in place, a creditor can sell a debt to the relevant country where the debtor resides and debt recovery procedures will commence under the law of that land.

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Hi all, I've had a look at some other 'overseas' threads but they weren't quite the same as mine so excuse me for asking again.

 

I have a Coopertive Bank credit card registered at an address inthe UK (my old one, now parents one) although I live in France. I recently got offered a better deal with another credit card to transferred part of the balance to that.

 

All of a sudden I got a letter from the Lewis Group saying that my debt to Co-op had 'gone on long enough' and they wanted full repayment. Bit weird but I believe they can close an account at any time.

 

I sent out a S.A.R - (Subject Access Request) letter to them with the 1 pound for Data Protection. They cashed the cheque and I got the notice of delivery so they definitely got it.

 

They've ignored my request and I've now received a letter from France-Creances asking for payment of the debt.

 

I've written to them to say that as it's contested in the UK the Lewis Group has no legal right to employ a third party to try and collect it, nor do they have the right to add charges to it (about 120 euros has been added on).The original contract stated I believe, that in the case of any legal action it would be governed by UK law.

 

Am I right?

 

Hi you stated you sent a SAR with 1 pound, if you sent a SAR then it costs 10 pounds, are you sure you sent a SAR and not a CCA request as this costs 1 pound?

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I can't help on the overseas bit, but until they do respond to the CCA then the debt is unenforceable.

 

What does concern me a little is where you say:-

 

I recently got offered a better deal with another credit card to transferred part of the balance to that.

 

All of a sudden I got a letter from the Lewis Group saying that my debt to Co-op had 'gone on long enough' and they wanted full repayment. Bit weird but I believe they can close an account at any time.

 

Did you stop making payments to the coop after the transfer? If you did, then that is why the Lewis Group is coming after you.

 

If you carried on making payments then you really do need to sar them because as far as the coop are concerned, you stopped paying them some time ago

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No, not at all. They just seemed to spit the dummy when I did the balance transfer and decided to call in the remaining amount. It's not much but I believe that they are entitled to demand repayment at any time.

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