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    • 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
    • Had a letter response today dated 12/6/24 from PRA Group re request for information consumer credit act 1974. Confirming they are in receipt of my CCA letter request - and that they are requesting the required information. They returned the £1 postal order. And my CCA letter. Stating that they will contact me with an update ASAP. They attached/included a standard ( non personal ) page about ' what they should provide ' and ' what happens If I don't get this information'.    I need to file my defence by 21 June 24. Any suggestions as to what that defence should be ?   
    • Thanks @dx100uk for responding promptly.    To be quite honest with you, applying for breathing space might not really help except some short term relief. I don’t want to default either as I might lose my job too and I cannot really afford it. Sorry for sounding bit stupid but is there something I can do to stop them charging interest and agree on reduced payments? I am working on information that @BankFodderhas requested and will be sharing it later today.  
    • who said send the sb letter to RC anyway? we said the debt owner not the grease monkey.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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Hello

 

I have started paying Goodwillie&Corcoron for my council tax debt (£1200) which includes their fees. They only accepted £100 a month, on top of my normal council tax payments I am really struggling. Is there anyway I can reduce this ALOT? I can only really afford about £20 a month on top of my normal council tax. Any help would be fantastic!

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Can you give us bit of information - you say that your council tax debt is £1200 and that includes bailiff fees - how much are the fees and what are the fees for...

 

Have you signed a walking posession agreement?

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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You need to find out exactly how much the bailiff fees are and what they are for. £200 where they haven't even got a WP sounds a lot to me - Tomtubby is the expert on bailiff fees...

 

On the basis that you haven't signed anything and on the basis that you should NOT sign anything. Personally I would keep the doors locked and windows closed and tell the bailiffs that as they are being so unreasonable that I am not going to deal with them at all.

 

I would then write to Manchester City Council by Special Delivery and ell them that I am not prepared to deal with their agent bailiffs and that I will be paying the council £20 per month direct in respect of my arrears of council tax. You need to tell them that the payment is exclusively in respect of council tax arrears and NOT in respect of bailiff charges. It may also be a good idea to enclose a financial statement to establish that you can't afford to pay any more than that.

 

Then pay the council direct every month. They CANNOT refuse to accept the payment. They may write to you and say that they are not prepared to withdraw the case from the bailiffs. If they do - then you write back telling them that particular decision is a matter for them BUT you will not deal with the bailiffs and will be paying £20 a month direct to the council in respect of council tax arrears only. You need to keep telling them that your payment is not in respect of bailiff charges.

 

I, personally, would tell the bailiffs where to stick their fees - but if you want to pay them the starting point is to clarify how much they are and whether they are lawful or not. Once you've worked out how much they really are - how much they can charge is laid down by regulation - if you insist on paying them - give them £1 a month...

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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You need a breakdown of how they've calculated the fees - if they are for attendances you want to know the dates...

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Those bailiff fees seem high to me - you need to find out what they are for.

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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hello

 

I have contacted them,

very vague!! The first debt of £291.87 (the only one she could tell me about as didnt have my second ref no)(she is sending statement in the post)

 

Automatic fee £24.50

Levy £33.00

Second visit charge (didnt have a 2nd visit as I contacted them first time) £18

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I have drafted this letter, is it ok?

 

Dear Sir/Madam

RE: account numbers:

I am writing to you with reference to the above.

I am taking my arrears back to Fareham Borough Council. I cannot make the payments forced upon me by yourselves of £100 a month. Last month a sum of £571.74 was taken by mistake by yourselves, which left me in such financial difficulty until it was credited back to my account.

I have set up a standing order with Fareham Borough Council for £10 a month. This allows me to continue paying my current council tax without getting in to more debt. I will not be paying any fees from yourselves. I also think you need to check how many “visits” I was charged for! This is totally incorrect and only adds to my ammunition.

Regards

Cc: Fareham Borough Council

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