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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Madmart58
      Lost items sent through Parcel2Go and EVRi

      By Madmart58 · Posted

      Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Angryman1404
      IDRWW letter and email received this week

      By Angryman1404 · Posted

      Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • honeybee13
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By honeybee13 · Posted

      Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • London1971
      Lowell/Overdales Claimform - old Cap1 Debt

      By London1971 · Posted

      Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • theoldrouge
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By theoldrouge · Posted

      So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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.

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

There is a god, 1st Credit gets a SERIOUS slap from OFT - Re Stat Demands etc

Curlyben

By Curlyben
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sillygirl1

sillygirl1

Posted
Posted

My reaction to the twit on the phone who said they would bankrupt me and I would be out of work was funny, I did point out that if I was bankrupt and unable to find employment how did they expect to get funds from me should they be deemed owing... the twit put the phone down at that point.

 

I also had one who was going to 'fast track me to a bailiff' to which I replied 'Not without a court order you can't.' They told me 'there were ways they could do this... and I asked if I could record the call from that point onwards - to be greeted by silence and a dead line.

 

Hopefully now the OFT are beginning to realise what we have been dealt with over the last couple of years by these people and make them 'toe the line'.

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Kraken1

Kraken1

Posted
Posted
Hopefully now the OFT are beginning to realise what we have been dealt with over the last couple of years by these people and make them 'toe the line'.

 

To be honest, until they were given more powers under the 06 cca then I don't think that there was that much they could do then.

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ScarletPimpernel

ScarletPimpernel

Posted
Posted

Further to Richard Spud's useful post above, other public information worth checking is:

 

ICO - has the DCA registered all trading names for data protection?

 

Companies House - has the DCA complied with the Companies Act 2006? Limited companies have to show their registered number, place of registration and registered office (which cannot be a PO Box) address on all stationery and websites.

 

OFT - do the registered office details match those provided to Companies House? A remarkable number don't.

 

Note that any CSA member company in breach of the Companies Act 2006 is also in breach of the CSA Code of Practice (which requires them to operate lawfully), and thus automatically trading unfairly as defined by CPUTR - failing to comply with a code of conduct to which a trader has subscribed.

 

I have spoken to the CSA about this, mentioning several companies, and received an expectedly wooly response. Then again, I don't take the CSA seriously. However, it seems to me that if such facts are reported to them, and they fail to act, then they damage what little credibility they have even more, and add weight to any further complaint made to OFT or the Registrar of Companies.

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cashins

cashins

Posted
Posted
How many £50,000 fines will make them tow the line :confused:

 

OK..........Give up, "How many £50,000 fines.............":D:D

 

As importantly, how will the OFT rquirements hit their income. The OFT have been pretty explicit in their requirements, so it's hard to see even them backsliding on this one.

 

1st seem to have built their business on threats of court action, (even more than the average DCA) and dishing out SD's almost in the first instance. I think they are going to suffer a big drop in income, certainly in the short term anyway.

 

That should take the smirk off their faces!!!

 

David

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sosumi

sosumi

Posted
Posted

Bridgepoint wanted to sell them last year, but didn't get a good enough offer.

here

Meanwhile 1st Credit's site is down (again) and neither the CSA or DSBG have reported the news on their web site. Yet.:cool:

Perhaps we'll all be dazzled by their explanation tomorrow.:rolleyes:

It's a tricky thing to 'turn around' and give a positive spin to. No doubt they'll try, but I'd say they're being rumbled at last.

Remember the CSA's 'Debt Manifesto' last year. What tosh.

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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deepdebt

deepdebt

Posted
Posted
How many £50,000 fines will make them tow the line :confused:

 

Hi babybear39

 

50k is like a grain of salt in an ocean, their profit margins are huge! as you would expect when they pay only a few pence in the pound for debts.

 

Now make the fine 500k and they may sit up and listen.

 

I wonder if Cabot maybe the next DCA to receive some guide lines from the OFT? live in hope.

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fuzzybobble

fuzzybobble

Posted
Posted
How to deal with harassing phone calls by debtors CSA Website

 

Well there's a turnaround:rolleyes:

 

I blame fuzzybobble :-)

 

I hope they've been paying attention, as I'll be testing them soon. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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ODC

ODC

Posted
Posted
Hi babybear39

 

50k is like a grain of salt in an ocean, their profit margins are huge! as you would expect when they pay only a few pence in the pound for debts.

 

Now make the fine 500k and they may sit up and listen.

 

I wonder if Cabot maybe the next DCA to receive some guide lines from the OFT? live in hope.

 

I have a funny feeling the spotlight is shining over West Yorkshire.;)

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B3rty

B3rty

Posted
Posted

Just a thought on this.

 

In their directive to 1st Credit on the back page they list 9 reasons or situations why ist credit shouldn't issue a SD and a couple stand out

 

C/ A valid dispute remains unresolved

E/ Where CAB or another other advice organisations are involved....

 

I am sure most of these could be refered to with other DCAs that are attempting to issue a SD with a threat to report them to OFT should they not withdraw immediately as this is in breech of OFT guidlines....

 

I know its not........ but if they can quote Rankine!!

Live Life-Debt Free

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deepdebt

deepdebt

Posted
Posted
Just a thought on this.

 

In their directive to 1st Credit on the back page they list 9 reasons or situations why ist credit shouldn't issue a SD and a couple stand out

 

C/ A valid dispute remains unresolved

E/ Where CAB or another other advice organisations are involved....

 

Re CAB, after a shaky start it works for me so far.

 

I am sure most of these could be refered to with other DCAs that are attempting to issue a SD with a threat to report them to OFT should they not withdraw immediately as this is in breech of OFT guidlines....

 

I think this would be done automatically / unofficially if you know what I mean, certainly should be.

 

I know its not........ but if they can quote Rankine!! What a mistake this was, hope it gets sorted one day, its all I get from the CAB.[/quote]

 

Happy days.

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Having_A_Knightmare

Having_A_Knightmare

Posted
Posted

Just got back from hols and found this out today.

 

Fantastic news and I am so glad I wrote to my MP.

 

Also a big thankyou to the Sunday Times as they must have had an input.

 

Please write to your MP if you get a SD or any bother of 1st Credit.

This way we are one step closer to getting there credit license revoked!!!

 

HAK

Click here for great help:razz:

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

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fuzzybobble

fuzzybobble

Posted
Posted
Just a thought on this.

 

I know its not........ but if they can quote Rankine!! What a mistake this was, hope it gets sorted one day, its all I get from the CAB.[/quote]

 

Happy days.

 

The Rankine matter could be a thing of the past before too long.

 

I can say no more, but you'll know when it happens. ;)

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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The GodMother

The GodMother

Posted
Posted

Could u give us a clue Please?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Goldlady

Goldlady

Posted
Posted

 

The Rankine matter could be a thing of the past before too long.

 

I can say no more, but you'll know when it happens. ;)

 

 

Oh yes - that is news I will be happy to hear.

 

Let us all bless the Rankines for their contribution to our crusade:eek:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Goldlady

Goldlady

Posted
Posted
:D I wonder if they are still living the high life?

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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The GodMother

The GodMother

Posted
Posted

They were on the last programme i saw. They had a penthouse apartment and working whilest running there PAY TO USE website.

 

Oh well maybe they should not have attempted to be greedy.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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tamarindo

tamarindo

Posted
Posted

Hi all

 

I hope yo do not object writing to this thread. I am desparate and need help!!!

 

I do have a lot of problems dealing with 1st credit ltd and connaught. How do you deal with these guys??

 

You seem to know a lot about them.

Connaught seem to be heavy handed even though I have communicated with 1st Credit that I do not owe them any money. Even if you request cca to them and they default under the Consumer Credit Act 1974, they still keep on coming with legal threats.

 

Any ideas please.

 

Thank you

Tam

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