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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.
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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andy099 v The Woolwich


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Hi,just to let you all know I contacted the Woolwich by telephone (01255 477032),(this phone number is for all to use and its their Customer Care number),asking for details about getting a copy of all my old bank statements so I can calculate the charges.I was told this would be a charge of £5.00 per statement which equals £150.00:mad: .I informed them that the maximum they cold charge was £10.00 under the Data Protection Act,the bank agreed after being on hold;) .

At the Woolwich branch I had the same problem and the bank refused to take my money ( that must be very unusual for a bank):o ,but they did say they would contact me soon after they had some clarification from their head office.We will see what happens,any help would be appreciated.I will keep you all informed,Many thanks,Andy099:) .

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:mad: I receved a letter today (13/07/06)from Woolwich collections in Manchester informing me of a "Termination Notice" of the bank account.After several tries I succeded in speaking to someone,after informing them that I was disputing the charges,and furthermore,under current banking rules they could not close the account they agreed.;)

After another call to the Woolwich in which I was informed that "due to the very hight numbers of people wanting reimbursed for bank charges,all such complaints were being submitted to Barclays Bank head office".I was then informed that as a "goodwill gester"they will send me the bank statemants I require free of charge.:) I should receve them within a week.:)

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Today I receved a huge envelope with the backdated statements I requested :) ,I think im going to have a busy weekend counting all the charges:( .Andy099.

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Just make sure you don't miss any....

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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KES123

Current account & Open plan

Hi I am new to all this and I have just written my DPA letter to the woolwich. At the moment they are about to terminate my account with 900 owing (due to lost of job). I am on Income support so paying this money back will be a nightmare. Does anybody know about something I heard from a friend that states that the courts are going to make things harder for people claiming back their charges? right now that is the last thing i need to hear. I am only claiming for the current account, my open plan is fine so far and I receive my benefit in that account. Is there a possibility that they may decide to close that account? Lots of confusion but willing to give it a go

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Hi:),Firstly my I wish you good luck in your quest,you should read some of the cases againsed the Woolwich and also read the F.E.Qs this will help you.I however advise you to open another account just incase as I think the Woolwich may try and close both your account.Andy099

(Aqua)Data Protection letter sent 14/07/06:) .

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:) Well i,ve done all my counting and the Woolwich have taken £1076.03 :mad: .I will be looking for it all back.Preliminary letter sent,I eagerly wait for their response :) .I'll let you all know what happens next ;) .Andy099.

 

(Aqua) Data Protection Act letter sent 14/07/06 :) .

(Woolwich)Preiminary letter sent 21/07/06;) .

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Guest Mumofthreeboys
KES123

Current account & Open plan

 

Hi I am new to all this and I have just written my Data Protection Act letter to the woolwich. At the moment they are about to terminate my account with 900 owing (due to lost of job). I am on Income support so paying this money back will be a nightmare. Does anybody know about something I heard from a friend that states that the courts are going to make things harder for people claiming back their charges? right now that is the last thing i need to hear. I am only claiming for the current account, my open plan is fine so far and I receive my benefit in that account. Is there a possibility that they may decide to close that account? Lots of confusion but willing to give it a go

 

They can't close your account if it's in dispute!!!

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Hi ,mumofthreeboys :) ,Iv already informed the collections dept at the Woolwich that the account is in dispute,and they know they cant close the account :D .Thanks for the help ;) .Andy099

 

 

 

(Aqua) Data Protection letter sent 14/07/06 :) .

(Woolwich)Preliminary letter sent 21/07/06 :) .

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  • 3 weeks later...

Help !!,Iv just found out the Royal Mail lost my Preliminary letter to the Woolwich :mad: .I have however had some dialog with the Barkleys head office.Today I receved a letter offering me £515.00 in full and final settlement (its that or nothing).I have informed them I would accept their offer as a part settlement whoever,this was unacceptable to the Woolwich :(

Should I resend my Preliminary letter that got lost or now send a L.B.A letter? Any ideas!!! I would be gratefull for any guidance :confused: ,Andy099.

 

(Woolwich)Preliminary letter £1076.03 sent 21/07/06 lost by Royal Mail.

9/8/06 £515.00 offered = refused.

(Capilal one G/F)Preliminary letter £160.00 sent 2/8/06 :) .

(Aqua) Data Protection letter sent 03/08/06 :-) .

(Capital One)Preliminary letter £160.00 sent 8/8/06 :) .

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Guest Mumofthreeboys
Help !!,Iv just found out the Royal Mail lost my Preliminary letter to the Woolwich :mad: .I have however had some dialog with the Barkleys head office.Today I receved a letter offering me £515.00 in full and final settlement (its that or nothing).I have informed them I would accept their offer as a part settlement whoever,this was unacceptable to the Woolwich :(

Should I resend my Preliminary letter that got lost or now send a L.B.A letter? Any ideas!!! I would be gratefull for any guidance

 

Have the PO told you the letter was lost??

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Hello Mumofthreeboys,yes,the Royal Mail have informed me that the mail is lost.

(Woolwich)Preliminary letter £1076.03 sent 21/07/06 lost by Royal Mail.

9/8/06 £515.00 offered = refused.

(Capilal one G/F)Preliminary letter £160.00 sent 2/8/06 :-) .

(Aqua) Data Protection letter sent 03/08/06 :-) .

(Capital One)Preliminary letter £160.00 sent 8/8/06 :-) .

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Andy did you decline their offer via writing or telephone. If you did this by phone i would send a letter out declining this and again demanding full and final settlement and give them 7 days.

If you have already done this the the LBA with schedule is the next step.

Fingers crossed for ya

Voddie xxx:-D

You cant scare me Mr Bank manager i have children:shock:

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Andy did you decline their offer via writing or telephone. If you did this by phone i would send a letter out declining this and again demanding full and final settlement and give them 7 days.

If you have already done this the the LBA with schedule is the next step giving them 14 days to payup.

Fingers crossed for ya

Voddie xxx:-D

You cant scare me Mr Bank manager i have children:shock:

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Andy did you decline their offer via writing or telephone. If you did this by phone i would send a letter out declining this and again demanding full and final settlement and give them 7 days.

If you have already done this the the LBA with schedule is the next step giving them 14 days to payup.

Fingers crossed for ya

Voddie xxx:-D

You cant scare me Mr Bank manager i have children:shock:

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oh dont know what happened there it took ages to load up and then there was lots of the same message posted ....oppssssss.....couldnt find a delete button on edit either....mmmmmm must stop flushing head down loo with bleach in :-D

You cant scare me Mr Bank manager i have children:shock:

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:) Hi vod,thanks for your advise,i think the website went wonky.I'll have a vod for you later :D ,Andy099 :) .

(Woolwich)Preliminary letter £1076.03 sent 21/07/06 lost by Royal Mail.

9/8/06 £515.00 offered = refused.

(Capilal one G/F)Preliminary letter £160.00 sent 2/8/06 :-) .

(Aqua) Data Protection letter sent 03/08/06 :-) .

(Capital One)Preliminary letter £160.00 sent 8/8/06 :-) .

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Hi thailand,I have been in touch with the Royal Mail about the lost letter,thanks.Andy099

(Woolwich)Preliminary letter £1076.03 sent 21/07/06 lost by Royal Mail.

9/8/06 £515.00 offered = refused.

(Capilal one G/F)Preliminary letter £160.00 sent 2/8/06 :-) .

(Aqua) Data Protection letter sent 03/08/06 :-) .

(Capital One)Preliminary letter £160.00 sent 8/8/06 :-) .

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I do that voddiemonster :D .

(Woolwich)Preliminary letter £1076.03 sent 21/07/06 lost by Royal Mail.

9/8/06 £515.00 offered = refused.

(Capilal one G/F)Preliminary letter £160.00 sent 2/8/06 :-) .

(Aqua) Data Protection letter sent 03/08/06 :-) .

(Capital One)Preliminary letter £160.00 sent 8/8/06 :-) .

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:) New Preliminary letter sent today 14/08/06.Lets hope the Royal Mail dont loose this one ;) .

I do that voddiemonster :grin: .

(Woolwich)Preliminary letter £1076.03 sent 21/07/06 lost by Royal Mail.

9/8/06 £515.00 offered = refused.

(Woolwich)New Preliminary letter sent 14/08/06.

(Capilal one G/F)Preliminary letter £160.00 sent 2/8/06 :-) .

(Aqua) Data Protection letter sent 03/08/06 :-) .

(Capital One)Preliminary letter £160.00 sent 8/8/06 :-) .

 

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  • 1 month later...

Hi,just to let all the people know I'm still fighting the woolwich :)

(Woolwich)Preliminary letter £1076.03 sent 21/07/06 lost by Royal Mail.

9/8/06 £515.00 offered = refused.

(Woolwich)New Preliminary letter sent 14/08/06.

 

 

 

(Capital One)Preliminary letter £160.00 sent 8/8/06 :-) .

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  • 4 weeks later...

LBA sent :D

(Woolwich)Preliminary letter £1076.03 sent 21/07/06 lost by Royal Mail.

9/8/06 £515.00 offered = refused.

(Woolwich)New Preliminary letter sent 14/08/06.

LBA sent :D

(Capital One)Preliminary letter £160.00 sent 8/8/06 :-) .

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