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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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      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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MBNA Credit Card - Harrassment and Porkies


Missy Allen
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The card was taken out on August 2003 and the charges actually state £20 so I gather this will be the correct T&C's unless someone else can tell me that they were £25 on their T&C's.

 

I will take your advice and just wait for Cabot to make the first move.

 

Thanks

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I have today received a letter from Cabot Financial still stating the wrong account number and it just states that they have acquired the original credit agreement from MBNA and have enclosed a copy for me. There is no account number on the credit agreement and they have not issued a default notice yet. What should I do now?

 

Missy Allen

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THe agreement seems to be properly executed (and therefore enforceable). The only question would be if the two pages are not part of the same document. However, the dates on the 2 sides appear to tie up and the punch holes indicate that the copies were filed together. Having said that, the punch holes also indicate that this is not an original that has been copied but is a copy of a copy. (If it were an original the punch holes would be on opposite sides)

 

 

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They used a Barclaycard as ID???!!!! Amazing. There are still enough details on here to identify you - like the barcode and the date you took it out.

 

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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I have removed the links to the agreement - sorry I didn't realise.

 

Hi Missy Allen, you can blank them over in photobucket and repost them. Huggy did a video tutorial on how to do this, it's quite straightforward: http://www.consumeractiongroup.co.uk/forum/bear-garden/165941-photobucket-video-tutorial.html

 

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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I have received a further letter from Caob stating that I have to get back to them within 14 days.

 

I have double checked and MBNA sent a Default Notice in July 2008 and this states the correct credit card account number, however, Cabot Financial are still quoting an incorrect account number.

 

Should I ask Cabot Financial to confirm that the T&C's are the original T&C's at the time of signing the agreement as I presume once this has been clarified it will be pretty obvious whether the agreement is enforceable or not.

 

Thanks

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I have received a further letter from Caob stating that I have to get back to them within 14 days.

 

I have double checked and MBNA sent a Default Notice in July 2008 and this states the correct credit card account number, however, Cabot Financial are still quoting an incorrect account number.

 

Should I ask Cabot Financial to confirm that the T&C's are the original T&C's at the time of signing the agreement as I presume once this has been clarified it will be pretty obvious whether the agreement is enforceable or not.

 

Thanks

 

Hi Missy Allen,

 

Any chance you could scan up the default notice?

 

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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