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    • Wait until you get a refund from the purchaser before accepting anything else. Please will you post up the text of the email that you received.  Make sure that you look after the text that you received from the purchaser
    • I’ve just received a letter from a debt collection agency called Intrum about an old Halifax credit card debt, they have never been in touch before and the letter says that because I have failed to contact them they are passing on to a company called Resolvecall who specialise in home visits. This debt is from about 14 years ago when I got into some financial trouble, I had a default on file but that dropped off around 4 years ago. Is there anything I can do with this as I don’t really want people coming to my house, thanks in advance? 
    • Just wanted to check if anyone knows, I'm in the process of retrieving the transcript. There was no time frame given in the appeal judges directions, does this mean none applies or is there an unwritten timeframe that applies as a default for these things? 
    • I left a trustpilot review and P2g have emailed me with the obligatory apology and have refunded the postage costs and are will to give £10 extra pre pay as a good will gesture. However,  as i wrote this the Buyer has just txt.me.to say they have received the parcel !  So obviously im now going.to suggest that she pays via Paypal ... I rang her this morning to see if it had arrived but she said she was on holiday and there was someone in her house she would have to contact to see if it had arrived which she obviously has ... So now i know its been delivered i cant go for P2g But i Can accept the exta £10 ...
    • The defendant in this case is Parcel2Go.com Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper via the Defendant's service containing which contained two handmade bespoke wedding trays to a customer with  under  tracking number P2Gxxxxxxxx. The parcel was never delivered although the defendant stated that three attempts had been made to deliver the parcel.  The claimants customer waited in for four days to receive the delivery but no delivery was attempted. There was no communication with the claimants customer.  Despite many web chats and emails the parcel was not delivered and on the Parcel2Go website it stated that the customer had refused delivery. This was not true as no delivery had been attempted.  I was The Defendant informed me that the parcel was being returned to me but after waiting three weeks I was informed by the courier that the parcel was lost. I was offered compensation of £20 + shipping fee which I refused and after sending Parcel2Go a Letter of claim this was increased to £75 which I also refused. The Claimant did not purchase the Defendant's insurance policy as requiring people to pay extra for rights already guaranteed under the consumer rights act 2015 is contrary to section 57 and 72 and therefore unenforceable. The Claimant rejected the Defendant's standard compensation offer. It is clear that the defendant is responsible for the loss of the parcel as they did not act with reasonable care and skill when handling the claimants parcel, contrary to section 49 of the Consumer Rights Act 2015.   By failing to ensure the safe delivery of the Claimant's parcel the Defendant breached section 49 of the CRA 2015.   AND THE CLAIMANT CLAIMS £370.00 being the value of the lost goods £xx.xx being the price of shipping and interest pursuant to s69 cca 1984.   See what BF thinks but I think something like this is better. Remember you are suing P2G not evri.
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Blair, Oliver & Scott on my case now!!


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Evening Mrs Z (and hi harry the hawk), hope that you are not on-line because you and Mr Z are busy eating sweeties, and not because the posite delivered a nasty letter this am/pm ;).

 

HtH, I think that BOS like cashing the £1.00 fees, as they can probably use that in their annual success figures to RBOS. Funny how they can manage to read that the cheque is for them, but not be able to read that the fee must not be offset against the balance (written in red pen, underlined etc).

 

I dug out my paperwork from BOS for a laugh this eve, and completely forgot that my tale ended in Eversheds solicitors jumping on the bandwagon. I wrote to the top bod at Eversheds, reminding him of his client's disregard for the law by chasing an unenforceable and disputed debt. Then BOS disappeared (only to be replaced by another DCA!). What fun.

All quite upsetting and scary at the time, and with out the CAG, I think that panic would have set in.

 

At least Mrs Z, you can see that we are here to help, and sometimes, maybe even to make you smile!!

 

Red x

 

Hi Red,

 

No Creditor/DCA nasties (letters) yesterday or today, fingers crossed I'm not jinxing us!! Still had some goodies all the same!

 

We aren't quite so worried about getting DCA letters (only full of hot air anyway) these days, not since finding CAG!

 

Many of the forum users are very helpful and many are so amusing with it, I often smile and even laugh til I ache with some of the comments. There are so many sad threads on here that it puts things into perspective for me. I realise that at least we have our health and at the end of the day, they can't shoot us for it can they!

 

Hi harrythe hawk, yes will definitley stand our ground with B, O & S regarding the CCA fee. If they think we will be ringing them, they'll be much mistaken. Our mantra is "everything in writing" and that is well etched on our brains!!

 

Hi babybear, hope you are well!

 

Regards Mrs Z :)

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BOS also applied the £1 I sent for the CCA to the account. I'm making sure I keep the letter and recorded delivery receipt very safe, just in case that £1 'payment' comes back to haunt in 5 years and 11 months.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Good afternoon, Mrs Z here.

 

Mr Z has today recieved a letter from B, O & S - actually it is a " Application For Temporary Repayment Programme".

 

It asks for Income and Expenditure and other Commitments, telephone numbers (yeah right, like they would get that!!) and then at the bottom requires a signature!! Mr Z only ever types his name to the likes of these and never signs.

 

So, as we expected from others comments, no mention of Mr Z's CCA request. I presume that we should totally ignore it and just file it away. Am I correct in thinking this?

 

Any help appreciated, thank you :)

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Hi All!

BOS are acting all ignorant, as usual. Trouble is when letters come through like the one you have received Mrs Z, it can be unsettling, regardless of what you know from the wonderful CAG.

As BB says, BOS have no right to any of that information. They should simply be providing you with what you have asked for (....unlikely!). You do not need to send them anything at all!

There will probably be more rubbish/threats/ignorance from BOS, but please do not get concerned, and definitely do not reply. Just keep it safe along with the other mail from them ;). It may all come in handy one day, even if its to line the bottom of the hamster's tray....

Red

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Hi Red,

 

thanks for your message, will just file the letter from B, O & S for future ammo should Mr Z need it!! The clock will still be ticking for them regarding the CCA request! :)

 

Thanks for your message RMW, yes, we will treat the letter as "another nail in their coffin". You're quite right really, it does do wonders for your mood!! ;)

 

Regards, Mrs Z :)

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I cca'd Bank of Scotland back in January and SAR'd them end of May. To date, I have a nice collection of letters from Blair Oliver, ranging from YOU MUST phone us to.. WE MAY send someone round.. to We are now preparing for court.. not one of them contained a CCA. Bank of Scotland/Blair Oliver have been asked on no less than 8 occasions for a copy of the agreement and they are STILL "investigating" my complaint !!

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Sorry Red, haven't been on for a few days! The deadline (12+2)for B, O & S is Wednesday 13th August. We have had nothing from any Creditors or DCA's, touch wood!! Thanks for asking :)

 

Hi citizenB,

 

hope you are well :)

 

I have no doubt that B, O & S will resume sending letters again very soon! Your replies from them that they are still investigating your complaints sounds very much like Citi Cards response to Mr Z. They are past their 12+2+30 days for a CCA request (20th July for them!!) and they have only responded to one complaint!

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Fine thank you Mrs Z. I trust both you and Mr Z are as well. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi citizenB, yes, Mr Z and I are just dandy, thank you for asking :)

 

Hi babybear, we are fine, hope you are too, thank you for asking :)

 

It is a drab miserable and wet day in ZVille, keep thinking it's October already!!

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It does feel a bit autumnal :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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HI

After paying regualy never missing a payment i have had a letter requesting looking at payment with Blair Oliver and Scott, after reading forums on this web page not sure how to continue might just send them a CCA. When i became divorced my x husband went bankrupt and all joint loans came after me. I tried to explain that my ex should be liable for half but no they came after me, as he was safe, that is how he put it. I have been paying for 3 years never had a statement of account nothing offical. I think i remember getting a letter from sainsbury (the Loan company) telling me my debt was being passed on. Can i still send a CCA? Please help.

 

Thank you

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HI

After paying regualy never missing a payment i have had a letter requesting looking at payment with Blair Oliver and Scott, after reading forums on this web page not sure how to continue might just send them a CCA. When i became divorced my x husband went bankrupt and all joint loans came after me. I tried to explain that my ex should be liable for half but no they came after me, as he was safe, that is how he put it. I have been paying for 3 years never had a statement of account nothing offical. I think i remember getting a letter from sainsbury (the Loan company) telling me my debt was being passed on. Can i still send a CCA? Please help.

 

Thank you:confused:

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Morning all,

 

Mr Z has recieved a threatogram from B, O & S this morning:

 

THIS LETTER REQUIRES YOUR ACTION

 

Threatening that one of their debt collectors calling at your address, Court action maybe taken against you and so on. They have a cheek to have an 0870 number as a helpline!! Bl***y cheek.

 

As I said, their 12 + 2 days dealine for the CCA request is up next Wednesday the 13th August.

 

Should we just ignore and file again and wait for them to default and then report them?

 

Any advice gratefully recieved, thanks :)

 

A Panicky Mrs Z :(

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