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    • 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.
    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
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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.
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Claiming Charges from old Capital One acct


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Hi

 

I need some advice please...

 

I had a Capital One credit card which i got behind on payments, it was eventually settled in 2005 and paid in full. However i requested my credit file recently and have found a default for £49 on there from Capital One. i have never been told about a default so im not too happy about it and want it to be removed. :mad:

 

Also i am wanting to claim back the charges that i incurred during the time the account was open, i remember being charged about £50 a month for quite a while as i was over my limit and paid late etc. I have a problem though, i have no record of the account number as it was lost when i moved house following my divorce.

Does anyone know how i would go about claiming without my account no?

 

Thanks in advance

CL

 

:)

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Hi ClassyLady,

 

I'm quite new here but hopefully I can give a bit of advice.

 

Although you don't have your account number you can still send Cap 1 a SAR ( you can download the template from this site ) explain that the account was under your previous address, they'll be able to find your account from your previous postcode etc.. Make sure you request a FULL SAR, this will give you all statements and communication from them.

As you say Cap 1 have placed a default on your credit file, they should've sent you notice that they were going to do that ( this should be included when they reply to your SAR ).

 

If Cap 1 DIDN'T send you notice of a default then post back here and someone can help you.

 

Good Luck Classylady

 

CardFight

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It should give a reference number on your credit file, this is usually your Acc number with Crap1...

 

As Classylady says, request your SAR and tally up your charges.

 

Good Luck,

 

Take a look here http://www.consumeractiongroup.co.uk/forum/capital-one/158503-200-now-500-default.html for a step by step guide to reclaiming your charges ;)

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Thanks guys, I have now downloaded the template letter, do I need to send any proof of my ID? I was going to send a photocopy of my drivers licence.

 

I have got my credit report from Experian in front of me and its doesnt show a reference number for the account anywhere. It just says the date the card was started and then the default date and amount and history.

 

I have included my previous 2 addresses so hopefully they will be able to find me from those and also my date of birth etc.

 

I will keep you updated :)

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I wouldnt send anything unless the specifically ask for it, Where it says Acc Ref just put the address that the card was registered too. They may come back with "We cant locate your details" if thats the case Im sure somebody who is more in the know could advise you accordingly ;)

 

"Good Luck"

 

As stated in my post to jo5epherdward5, you will get the usual speal from them.... hang on until you get "EVERYTHING" that they owe you... it's your money not Theirs!! :D

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  • 3 weeks later...

Just over two weeks have now passed since I sent off my SAR and havent heard anything from Capital One yet, the cheque hasn't been banked either.

 

Does anyone know how long it usually takes for them to send out? I suspect that they will wait until the last minute !:(

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My statements have finally arrived! (by special delivery!)

 

I have gone through and totalled up the late payment and overlimit fees and have a total of £528! I didnt think it was going to be this much! :D

 

What i need to know is which interest am I best claiming for ? The 8% or the Contractual interest? I have read through the guides but i am still a little unsure of what to do :confused:

 

I have started my letter to request the money back and have also included the text about a default. I did notice on my credit report that they had entered a default against me in 2004 for £549 but i do not recall ever receiving anything informing me about it.

Anyway in 2006 i managed to clear the balance on the account by paying Scotcall (DCA) £500, he agreed a settlement figure with Cap One whereby they would accept £500 as the final figure and wiping the £49 off.

However when i checked my credit report in April this year i nitoced that the default is unsatisfied and an outstanding balance of £49 is on there!

I do not believe i owe this £49 as it was agreed with the Scotcall and Cap One that £500 was acceptable as a settlement figure.

 

How do i go about getting this sorted out? Any advice is much appreciated :)

 

CL

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Firstly, if you decide to claim contractual you have to do it from the start, in your first letter. Secondly, it's very complicated (IMO) and would more likely go all the way to court. You would have to be well up on case laws etc, do laods of research and prepare for a fight. There's a thread on here Big Budgie v Capital One. He has recently been in court and is awaiting judgement being handed down. It may help you to have a read through his thread if you are thinking of going the CI route.

 

If you decide to go with the 8% s.69 stat interest you don't add that on till you file at court.

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  • 1 month later...

Hi,

 

Havent been on for a while, so thought i would update...

 

I sent a letter on 3rd October to Cap One requesting the amount of charges back from them as it stands i havent had any response from them.

 

What is the next step? Do i need to ask for the credit agreement now or do I just write another letter saying i will proceed with the court claim if i dont hear from them in 14 days?

 

Thanks for your help !

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Hello Classy Lady.

 

The timelines are 14 days for Preliminary letter and then 14 days for the Letter Before Action (LBA). As they have not responded, you need to send them your LBA. 14 days after you have done so, if they have not responded in a favourable manner, file your N1 at court.

 

Cap One will usually write you and say that they can't offer you anything. When you threaten N1 they write and offer you the difference between your charges and £12. When you finally take it to court, they'll offer to pay you everything you've asked for including statutory interest and your court fee.

 

Hang in there - I've just settled my case with them and had a default and late markers removed as well as being refunded just under £1100, so it can be done :)

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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