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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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    • 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.

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      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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received mbna cca copies can anyone help


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enclose cca copies received 30days after request and its dated 2005 it came back with a undated compliment slip. ca nsomeone tell me if enforceable please.

 

andrew byng:confused:

 

how do i add new attachments???

 

Edited by happyandy
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Read your private message please.

Just looking at your post.

 

fox

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When you repost, could you rotate the images so we don't have to twist ourselves into unnatural positions to read it :)

 

They are fairly illegible and I can't clearly make out the terms very well so you need to see if they have everything on there to make it valid. Others will come along to help.

 

fox

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From the look at the last page in the PDF it was an online application in 2005, not sure whats required but its a bit more complicated than normal applications.

 

Please delete and repost minus your personal details and if you could rotate the images it would be helpful:)

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I'm no expert but to me all the relevant terms are there even if it is virtually impossible to read (I had to set my zoom at 150%)

APR

repayment terms

credit limit(or one set by them)

charges

 

Did you take out PPI on the card?

 

I would keep bumping for others to have a look. LIke I said, I'm not as experienced as others. They may pick up something I still don't know about.

 

fox

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I have the same tear off application form, they would need to prove the terms were on the back, and as they are microfiche copies i doubt that would happen.

 

They will send half the rainforest in letters threatening allsorts, have you sent an SAR REQUEST. Or you could try sending a letter asking to see the document, which is what i did they didnt agree because the original wasnt available, what ever that means.

 

Have you received a default notice they are are normally poor.

 

GG

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Hi andy

 

Your pretty much in the same position as me, i have 2 accounts with them, both unenforceable i think.

 

But its down to them to either prove to you that what they have sent you is enforceable or take you to court.

 

I have sent a letter asking to see the original in one of their offices, but they said the original wasnt available, in my opinion they need that to enforce in court.

 

Its just a waiting game now to see what they do, i receive 4 or 5 letters a week but i just file them, if they ring you dont speak to them on the phone, send the phone harassment letter in the templates library if they are bothering you.

 

Maybe send an SAR request? i know you said you havent received a default notice but have you been defaulted? because they dont always serve them ive got 1 but havent received the other.

 

GG

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  • 3 weeks later...

I am not able to comment on your document. What is the state of play at the moment?

 

Have you stopped paying them, do you have a payment plan in place that is either being administered by a 3rd party or youself?.

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have spoken to MBNA they have stopped the calls but have had a letter threatning charge against house and default and ccj made last payment in january but none since as they have not replied and given me a copy of cca agreement need help whats my next step i am in finance industry so dont want a default

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All they have sent you is the tear off slip.Exactly the same response i got when i cca'd them.

I was told on my thread that it was unenforceable as the prescribed terms are not linked to the agreement in that they need to be in the four corners of the agreement.They cant be on a seperate sheet or on the reverse.

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  • 4 weeks later...

hi everyone

 

will i get default???

 

have got settlement from mbna with some dodgy cca copy and pasted as seen on my file 25% partiale settlement. They wont say if they will default me as in finance industry wouldnt be able to get another job help can someone advise and look a letter this was faxed a unsigned copy

andy mbna_20090427124755.pdf

Edited by happyandy
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Please read your agreement more carefully.

 

unless your initial limit was exactly £1,000 , £3,000 or £5,000

 

then your agreement doesn't state the APR for running account credit.

 

I have made several posts in detail about this.

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hi everyone

 

will i get default???

 

have got settlement from mbna with some dodgy cca copy and pasted as seen on my file 25% partiale settlement. They wont say if they will default me as in finance industry wouldnt be able to get another job help can someone advise and look a letter this was faxed a unsigned copy

 

Seriously WTF is a "short settlement" ???

 

The agreement is unenforceable, and they know it.

 

#1 No APR for running account credit.

#2 Referenced to terms that are not within the agreement.

#3 Probably missing all the required terms on Repayments (as they mention interest rates)

 

It is up to you of course ... But I would expect it to read "Full & Final" not "short"

 

toto

 

P.S. unless, of course, your initial limit was 1k, 3k or 5k ???

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