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    • 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.
    • Please check back later on today for a fuller response and some edits
    • Good morning all, No further communication with P2G so now submitting my small claims action. Would be grateful for any feedback on my description of claim before I submit later. The defendant in this case is Parcel2Go Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper containing two handmade bespoke wedding trays to a customer with 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 informed that the parcel was being returned to me but after waiting three weeks was informed by Evri 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. 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. The claimant therefore seeks £370 in respect to the value of goods plus court costs. I thought it might be better to use the CRA rather than the Supply of Goods and Services Act as we are sole traders - is this correct?
    • No new development, I'm afraid. The last update I received was a letter from the court, advising that the case had been transferred to Croydon County Court.
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Link claimform - old GE Money debt **CLAIM STRUCK OUT**


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Just tweeked your para a little. Is it groveling enough? Obviously don't want to overdo it.

 

Should I addresses it Dear Your Honour, Judge, Sir, Madam, leave the dear bit out, not address it all just go straight into the letter, any suggestions please?

 

 

Claim No. 111111111

Link Financial – v - xxxxxxxxxxx

 

 

I do apologise for taking up the valuable time and resources of the Court, however, as I have been put to considerable trouble and expense by the Claimant, to defend, a seemingly spurious and vexatious claim, I thought I would call upon the Court to consider the enclosed Application in recompense of my Expenses in defending this claim.

 

Once again I do apologise in advance to the Court for the valuable time and resources spent looking into this Claim for me.

 

Yours faithfully

 

A N Other

 

Go back and work on charges now will post that up for advice before sending tomoz.

 

DG

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Slightly amended, othewise fine. Address it to the Court Manager - Dear Sir/Madam

 

 

Should I addresses it Dear Your Honour, Judge, Sir, Madam, leave the dear bit out, not address it all just go straight into the letter, any suggestions please?

 

 

Claim No. 111111111

Link Financial – v - xxxxxxxxxxx

 

 

I do apologise for taking up the valuable time and resources of the Court, however, as I have been put to considerable trouble and expense by the Claimant, to defend, a seemingly spurious and vexatious claim, I would be grateful if the Court would consider the enclosed Application in recompense of my Expenses in defending this claim.

 

Once again I do apologise in advance to the Court for the valuable time and resources spent looking into this Claim for me.

 

Yours faithfully

 

A N Other

 

Go back and work on charges now will post that up for advice before sending tomoz.

 

DG

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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  • 2 weeks later...

Hi folks,

 

Just got back from an interview to a letter from the monkeys just within the 14 days

"We write further to the above and your letter of 1st May.

 

We note your request for us to cease the processing of your data under the Data Protection Act. However, as there is a balance outstanding under the above numbered agreement, we will continue to attempt to recover this sum and will proceed accordingly, using the data in our possession."

 

Same monkey signed it. They must be spitting the dummies out again and going ape sxxx up the trees.

 

 

Finally got round to doing costs, thought something like 20 hrs research and the postage comes to around £230.00 - what do you think is it a bit much or ok

DG:D

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We didn't get that far I was looking forward to that bit but thrown out without me going.

DG:D

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  • 2 weeks later...

Hi All,

 

Had no response from the Court as yet re costs I'll give them another few days.

 

Well all seems quiet on the monkey front at the moment not heard anything for at least two weeks.

 

I was wondering if I can try to reclaim some of the account cover costs back as they stopped it immediately I went onto the DMP. The cover went up every month more and more and obviously there was interest added to that cost. (We are talking in excess of £80 per month).

 

I assume it works out say eg £80 pm for 12 months = £960 obviously it is a different amount every month. When I went on the DMP it was obvious they would not pay anything out so I'd been wasting that money every month for all those years.

 

Is it worth doing and should I send the letter to GE or the other monkeys?

 

Any suggestions? Hope you've all had a good bank holiday.

DG:)

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Hi BB

 

Yes I did get more or less a full set of statements.

 

Another thing I was wondering as the monkeys got it wrong re signed agreement can they at anytime go after me for the original store card debt? I've still been paying GE and they've still beein accepting it which to me seems a bit strange if they were supposed to have sold it on.

 

DG:)

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Just noticed on the Ministry of Justice site re Civil Procedure Rules Part 16 the following:

Defences which appear to fall within rule 3.4(2)(a) or (b)

3.1

A court officer may similarly consult a judge about any document filed which purports to be a defence and which he believes may fall within rule 3.4(2)(a) or (b).

 

3.2

If the judge decides that the document falls within rule 3.4(2)(a) or (b) he may on his own initiative make an order striking it out. Where he does so he may extend the time for the defendant to file a proper defence.

 

As mine was struck out would the judgement state they would be given more time if that was the case as mine just said - claim is truck out? Just a thought.

DG:)

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Sonds like the agreement they were sold is an equitable assignment...

 

If that's the case, Link did not have a legal right to issue court proceedings in their own name.

 

Just noticed on the Ministry of Justice site re Civil Procedure Rules Part 16 the following:

Defences which appear to fall within rule 3.4(2)(a) or (b)

3.1

A court officer may similarly consult a judge about any document filed which purports to be a defence and which he believes may fall within rule 3.4(2)(a) or (b).

 

3.2

If the judge decides that the document falls within rule 3.4(2)(a) or (b) he may on his own initiative make an order striking it out. Where he does so he may extend the time for the defendant to file a proper defence.

 

As mine was struck out would the judgement state they would be given more time if that was the case as mine just said - claim is truck out? Just a thought.

DG:)

 

I believe if the order is made without a hearing, the claimant has seven days to object to the claim being struck out, but as in my own case, they sometimes submit an application further down the line, and the court let them get away with it. Magda

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The only significant difference between a legal assignment and an equitable assignment is that an equitable assignee often cannot bring an action in its own name against the third party, but must fall back on the rules governing equitable assignments and join the assignor as party to the action.

 

AC

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Exactly AC and if it the case that Link has only an equitable, they should have issued the proceedings jointly with GE. I would love to see one of the Deeds relating to an assignment involving Link, as I am not convinced they have all the rights that they claim as far as court action is concerned. Magda

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Yes, doesn't surprise me, and reading on another thread, someone pointed out that they think there is some kind of connection (apart from the obvious) between First National and Link as well. Apparently they both have office based in Caerphilly, practically at the same address, and one things for sure, they certainly seem to deal with a lot of FN and GE Money accounts as well as MBNA. Magda

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What I was wondering is if I go down the Account Cover charges who would I send the letter to would it be GE as I've been paying them every month not Link as they would never give me account details, so somewhere along the line someone has had over £800 off the debt which has never been sent back to me.

Also is there some sort of template letter anywhere I've been looking around but not been able to find one.

Also got another thread going - Crap1 and Me.

I don't know if I"m thick or what but I still can't get to post links any suggestions as to what I'm doing wrong? No naughty suggestions please:D

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Sonds like the agreement they were sold is an equitable assignment...

 

 

What does this mean? dont want to hijack but no idea what this is and link say they got an equitable charge on our home?

 

sorry diamond girl, just really confused as to this.

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What does this mean? dont want to hijack but no idea what this is and link say they got an equitable charge on our home?

 

sorry diamond girl, just really confused as to this.

 

Thats ok miziwizzi if it helps you - Ministry of Justice website is very help full but you will need to trawl through it unless someone can come up with an answer for you.

DG:grin:

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Thats ok miziwizzi if it helps you - Ministry of Justice website is very help full but you will need to trawl through it unless someone can come up with an answer for you.

DG:grin:

 

 

Oh thanks, will look it up, they are a horrid company to deal with and am looking for any little detail throw at them, good luck with your case am watching with interest.

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Equitable assignment means they've bought the rights to collect on the account but not bought it outright and can only take you to court as a co-complainant with the original creditor. Absolute assignment means they've bought the debt outright and can take you to court in their own name.

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Equitable assignment means they've bought the rights to collect on the account but not bought it outright and can only take you to court as a co-complainant with the original creditor. Absolute assignment means they've bought the debt outright and can take you to court in their own name.

 

Just a quick question regarding Absolute Assignments, if reclaiming charges & PPI is it the OC or DCA who pays the claim :D

 

Ta Muchly

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