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    • Not really. His claim will succeed simply because its a simple matter of a lost parcel and no insurance. Its not a complex case so I think he’ll be fine, especially as it is P2G who arent very good at defending claims but I ageee its not been handled at all well.   My only concern with withdrawing is that he loses £35 in the case of £240 but thats a matter for him   I dont think it has a reduced chance of success if OP actually replies and actions things but if not then ofcourse it will struggle.   My concern is if he starts again it’ll be just as sporadic.   Maybe close thread and let him make a new one if hes ready to engage?
    • Please will you start reading up on the stories on the some form especially the pinned post. I have to say that I'm concerned that you feel that a warning from P2G is going to affect your rights and is going to subvert statutory law. I think you've been here for a few months and I would have hoped that by now you would understand that terms and conditions must always be interpreted in the light of overriding statute. Also I suggested that once you have done the reading on the sub- forum then you would understand the information that we would need in order to give you the best help. The fact that you haven't told us what the item was suggested also that you haven't done the reading. Please give us full details including identity of the item, value, where these properly declared? Dates – blah blah blah. Not paying attention to P2G. Pay attention to us
    • P2G can make clear whatever they want frankly, the judge isnt going to sit there and go “they told you to buy their insurance and you didn’t” and then dismiss your claim.  I would say you should send a formal complaint then after 7 days sent a LOC. Day 21 from now submit your claim on OCMC.    
    • I thought i could just use ( copy and paste)  the terminology from my other post earlier in the year when i previously claimed against P2g .   The parcel hasnt been 'officially ' lost yet i have another 13 days before their 'investigation' ends and then theyll probably offer the postage back as i didnt take the 'insurance'   But to recap ,  The parcel was booked through P2g and sent with Evri. No Protective Insurance was taken out. The parcels value is only £48 plus postage of £3 and the value of the parcel was declared The parcels tracking says while it was in Evri's system it was sent to an 'incorrect' depot and tracking would be updated in 24 hrs which it didnt and the delivery date passed, i then had a live chat with P2g who opened an investigation and im waiting to hear what's happened. My only concern is,  last time i claimed P2g made it clear that in future i must take out their protective insurance which i gavent and im wondering whether this will ' complicate' things ...  
    • it is precisely for these reasons that the OP should withdraw the claim and begin again. Firstly, the case has been badly handled from the start. The OP hasn't come to us and stuck to it in a regular engaging way. Secondly, it seems that the OP is now being advised on the basis of it being a matter of principle rather than looking at a sensible and pragmatic outcome. We have a duty to the people who come to help us to try and get the best solution for them that we can. Secondary is that we want to notch up a further victory against the parcel delivery industry – and frankly it doesn't matter which company it is as long as we get a victory. If we simply urge someone to continue a case at their own expense in a claim which has a very reduced chance of success, simply because it gives us personal satisfaction, then this is really contrary to what we do and certainly contrary to the interests of the claimant. I'm now urging the OP (Original Poster) to withdraw and to start again and work with us very closely in order to get a much more certain victory. By continuing this claim, not only with the OP risk even more money, it will take more time in the sense of failure will be demoralising. Better to feel that one is in control by exercising one's own choices and taking the long view
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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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This is not a CCA? HBOS credit card


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Guest forgottenone

Just saw you post whilst I typed away ... unfortunately, even if someone else copied it, it will still be unreadable. If you are scanning it correctly, you may be able to increase the image sharpness/quality if you have a photopackage on your PC. Don't know what else to suggest.

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Thanks, nope that is the way it came, I am scanning it correctly it is just a really shoddy copy of the original application form. No prescribed terms/conditions on it. Even says it is an application (from what I can make out on the form)

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Guest forgottenone

So, as received as 'pasted?' :D I am not experienced enough so may be wrong ... so will post what I know ... if it's an application form ... then ... may not be a CCA.

 

Also, if it's illegible, sure I read something on here about getting a better quality from them as they would not have fulfilled your request correctly ... if it IS that illigible then it's not acceptable.

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I am trying to make it huge and am failing misserably (said the bride to the groom on their wedding night!)

 

Berrylover,

 

Try this:

 

Put the image in your scanner and if you have PowerPoint, from the menu bar, use Insert>Picture>From Scanner or Camera. When it's in the document page you can then resize it and block out the personal details. Powerpoint has an option (File Save As) to save as an .jpg file which you can then upload to Photobucket.

 

Hope this helps.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Cant see it its all out of focus as well, but if it doesnt have the prescribed terms on the page you signed then its not enforcable IMHO, the up to date version of an agreement is a red herring and should be ignored

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Guest forgottenone

Powerpoint? That still going? I remember when ... *wibbly wobbly FX* it was the latest business toy/tool ... and it was all 'Powerpoint this, I am going to present a high Powerpoint presentation tomorrow complete with pictures, animations'. :D

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Bugger it, I am going to send a letter back saying, "cheers for the application form, however it isn't a cca. Ta muchly, you have until the 18th to send me a true copy of the CCA, if not then I will tell you where to whistle."

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Powerpoint? That still going? I remember when ... *wibbly wobbly FX* it was the latest business toy/tool ... and it was all 'Powerpoint this, I am going to present a high Powerpoint presentation tomorrow complete with pictures, animations'. :D

 

I know what you mean and some people still go mad with it but it's very old hat when you see that - like someone who's just found a new toy.

 

I never do presentations but it is much quicker and simpler to use than your average photo effects package and it exports as jpg files so it's quite handy.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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or you could be like me and struggle to plug your computer in!

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Ok, any of you wonderful people able to help with with an official looking letter to say, you haven't sent me a true copy of the signed CCA at all but a very dodgy copy of the original application form which is in fact a pre-contract agreement. I did draft this one up but not sure if it reads right.

 

 

 

Dear Sir,

Thank you for your letter dated 4th July 2008. Unfortunately you have not sent me a true copy of the signed CCA as I requested but a poor copy of the initial application form which infact just a pre-contract agreement As you are aware the application form is not a CCA as it does not include the necessary prescribed terms within the copy. According to Section 127 (3) of the Consumer Credit Act 1974 the prescribed terms for a running account agreement such as a credit card, and which should be included in the CCA are details of:

(1) Repayments.

A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following~

(a) Number of repayments.

(b) Amount of repayments.

© Frequency and timing of repayments.

(d) Dates of repayments.

(e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

(2) Rate of Interest.

A term stating the rate of interest to be applied to the credit issued under the agreement.

(3) Credit Limit.

This may be a term or the manner in which it will be determined or that there is no credit limit.

You have included a copy of a credit card agreement, however this is not signed. Therefore you have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account and so the claim in your letter that “…the information we have provided you with is all the information we are required to provide you with under Section 78 of the Consumer Credit Act…” was not correct.

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

I therefore will allow until the 18th July 2008 for you to send a true signed copy of the Credit Agreement, before taking further action. I would appreciate your due diligence in this matter.

I look forward to receiving a reply within the stated time,

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Good letter but personally I would keep it as short as possible and dont give all the goods away (why make it easy for them?)

 

You pretty much have them, let the game continue!!

 

My thoughts would be something like this (its your choice tho :) ):

 

Dear DCA,

 

I refer to your previous communication dated where you provided me with a copy of an application of which has been has been noted and kept for complete audit.

 

My request under statutory law was for a fully executed consumer credit agreement however the document sent does not satisfy the terms under the Consumer Credit Act (1974).

 

I'm sure you are more than aware of your timed obligation to honour this request however I must point out that failure will result in serious complaints being made to the relevant authorities.

 

I would also suggest that if you do not have the evidence as requested that you close the account and confirm this in writing.

 

I look forward to your provision of requested evidence and fully expect your due diligence in this matter.

 

Yours Faithfully

 

CS

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Excellent, many thanks my good man! I shall send that off today :)

Edited by berrylover

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Doesn't matter I am a computer klutz

Edited by berrylover

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Guest forgottenone

I know what you mean and some people still go mad with it but it's very old hat when you see that - like someone who's just found a new toy.

 

I never do presentations but it is much quicker and simpler to use than your average photo effects package and it exports as jpg files so it's quite handy.

 

Regards.

 

I don't have it. :(:D There's always torrents ... did I say that? Wasn't me. Not here. You never saw me. lol

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I know what you mean and some people still go mad with it but it's very old hat when you see that - like someone who's just found a new toy.

 

I never do presentations but it is much quicker and simpler to use than your average photo effects package and it exports as jpg files so it's quite handy.

 

Regards.

 

I don't have it. :(:D There's always torrents ... did I say that? Wasn't me. Not here. You never saw me. lol

 

 

:Cry: I don't know why, when I scanned it it went so small anyway. Maybe I should get myself on a computer course, starting with the basics "This is a plug. Insert the plug into the socket......"

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Guest forgottenone

Edited. Need to be in correct frame of mind eg able to concentrate as in middle of exploding fish in the microwave for tea *don't ask*. :D Sure someone else will be ably able to assist though.

Edited by forgottenone
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If this doesn't work ignor it please.

th_scan0001-1-1-2.gif

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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and again

scan02-1.jpg

Edited by berrylover

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Berry,

 

If you use photobucket, when the image has been uploaded, right click on the image and then copy shortcut and then paste in here

 

 

idax

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

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I am taking them from photobucket but it doesnt seem to be resizing them properly, will try again

 

th_scan0001-1-1-2.gif

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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I am taking them from photobucket but it doesnt seem to be resizing them properly, will try again

 

scan0001-1-1-2.gif - Image - Photobucket - Video and Image Hosting

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Oh Man I give up. When we have the CAG awards ceremony at the end of the year I am nominating myself for the "most technically inept" poster or the "God loves a trier" award

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Lol berry,

 

When you have scanned it you must have made it smaller. Its not you uploading it's when you have scanned it.

 

try rescanning it and make sure you have full size or something ticked

 

ida

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

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eeek it worked but I hadn't blanked my details

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Hope you have changed your bank account since ;)

 

From what I can see, this is def an application form but not sure if it doubles as a CCA. If it does, I cannot see all the prescribed terms....

 

Can anyone else confirm please

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