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    • Thank you for that i thought id just ask as i was unsure.  Just hope its returned to me and doesnt spend the rest of its life going back and forth to Singapore  
    • Thanks @lolerz. I've attached it to the post. What do you think? What's the organ grinder? NTK.pdf
    • I'm afraid that if the value of the item was under declared then that is probably the best that you can hope for. Also, because the item was incorrectly addressed – even by a single letter, if that because the issue relating to the delivery then that has probably compounded the problem. There is probably very little that can be done. If you are lucky you will get the item back and then you can start again and declare it properly. Undervaluing parcels which are sent by any means is always going to cause a problem if the item is lost or damaged. It may mean that the cost of delivery is slightly less – but at the end of the day the risk becomes yours. When you enter into any kind of contract, effectively you declare it a level of risk to your contracting partner – and they decide to enter into the contract with you based on that level of risk. You have declared a level of risk and £50 – and that's the deal.   Additionally, undervaluing an item which is an internationally has the effect also of evading customs and any VAT system which is in force in that country – and that makes the whole thing a little bit more serious
    • Perfect. Nice and brief and to the point. You don't bother to start telling your life story. Just the way it should be. Send it off. You have probably done enough reading to understand that it won't make any difference don't start drafting your particulars of claim. Open an account with the MoneyClaim County Court system and start preparing. Post your particulars of claim here before you click it off. You may have noticed that at some point you will be asked if you want to go to mediation on this. We used to advise it but now we recommend that you decline mediation and go to trial. Your chances of success are much better than 95%. Going to trial will incur an additional hearing fee but of course you will get that back. However if you go to mediation, they will simply try to penny pinch and to get you to compromise and also they will sign you up to a confidentiality agreement and probably threaten you if you breach it. Not only that, if the mediation fails because you stand your ground, it will add additional delay while they then give you a date to go to trial. The best thing to do is to decline mediation – prepare for court hearing. Pay the extra fee. The chances are that rather than get a judgement against them they will then offer you a full settlement rather than go to court. If they do offer you full settlement then you will be obliged to accept it – but that's what you want. If they don't offer you full settlement then you will go to trial and there will be a judgement against them. Just so that you understand, our first interest is that you get your money back – but a close second is that it does go to trial and there is a judgement which we will then be able to use to help other people. Anyway as you should realise, we will help you all the way.
    • I sent a parcel to Singapore but i spelt the address incorrecltly by 1 letter so the parcel couldnt be delivered and was returned back to the Uk but checking the tracking today the parcel had returned to the UK but is somehow on its way back to Singapore as the tracking says "Item leaving the UK"    Ive spoken ( tweeted) Royal Mail help who confirm that the parcel seems to be going back to Singapore and that if its not " Delivered" by the 29th of April theyll deem it as lost and will accept a claim but i cant remeber when booking what the compensation amount was but i dont think it covers the amount of the item.  As it was my fault that it wasnt delivered in the first place can i trey and claim the full amount back ? i think if i remember correctly it was £50 compensation but the item was £170 So the timeline is thus ...   22nd Of March .    Booked via P2G & dropped off a Post Office.  25th March arrives in Singapore and goes through customs ect ect 26th   Incorrect address and item is flagged as "return to sender" 28th Item leaves Overseas intenational processing centre 15th of April , Item is leaving the Uk (Again)   ?    
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    • If you are buying a used car – you need to read this survival guide.
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    • 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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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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Egg Card And Default Notice - invalid?


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Report them to the OFT!

 

Also, log your complaint with Consumer Direct (the consumer arm of the OFT) who will pass your complaint onto your local Trading Standards.

 

IMPORTANT, that members follow the correct complaint procedure, in order that the OFT can gain a clear insight about firms such as this one, firms who ride roughshod over the OFT guidelines on Debt Collection;

such complaints can impact on their ability to hold a consumer credit licence.

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Fred's are breaching the data protection act 1998 and;

breaching the OFT guidelines on Debt Collection

 

Tell them, that you have made formal complaints to both the OFT and ICO.

Tell them to only correspond with you via the written word.

 

Unless you are a minor, which clearly you are not, they should not be discussing your personal subject data with your parents.

 

BT have a service called 'Choose to Refuse' which enables one block selected phone numbers.

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If you do write to them make sure it's by recorded delivery otherwise they'll simply deny getting it. Keep a copy of anything you send then check the tracking number on the royalmail website and print the signature receipt.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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  • 1 year later...

My wife too has received a similar letter. She has never defaulted on the loan and pays it monthly by direct debit. Yesterday we received the following letter. I have typed the letter as is barring any typo's from me. does this mean that the new company will be able to make different demands for the repayment of the loan?

Regards

Ian

 

Important news from Egg Banking plc concerning your Egg Loan

 

Dear **********

We want to give you some important news regarding your Egg Loan. Following recent discussions, you Egg Loan will be transferred from Egg Banking plc to Britannica Recoveries S.a r.l

acting in the name of and on behalf of its compartment Moorgate (Britannica-Moorgate) and will be serviced by Moorgate Loan Servicing Ltd. This transfer will take place on 11th July 20011

Your Egg Loan

The Transfer involves the assignment of all Egg Banking plc's rights as lender to Britannica-Moorgate, who have agreed to perform the obligations of Egg Banking plc under the terms and conditions of your Egg Loan Agreement.

 

From 11thJuly, references to 'we', 'us', 'our' and 'Egg' in your Egg Loan Agreement terms and conditions will become references to Britannica-Moorgate, and any references to the 'group of companies' that includes Egg will also become references to Britannica-Moorgate.

 

Date Protection

As a result of the transfer, Britannica-Moorgate will replace Egg as the data controller for the purposes of the Data Protection Act 1998 from 11th July 2011.

 

What happens next

You should continue to make payments on your Egg Loan in the usual way. If you make monthly payments by Direct Debit, you do not need to do anything as your payments will be collected as normal. Moorgate Loan Servicing Ltd will be in youch with you shortly and we are working closely with them to ensure a smooth transition.

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One question if your wife has not defaulted on the loan why is

it being passed to a debt recovery company?

Or do you mean that she is making reduced payments on the

original amount, most providers will sell or assign a debt

if they feel reduced payments are going on

too long or are too little.

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One question if your wife has not defaulted on the loan why is

it being passed to a debt recovery company?

Or do you mean that she is making reduced payments on the

original amount, most providers will sell or assign a debt

if they feel reduced payments are going on

too long or are too little.

 

Sorry for not being clear. She has never defaulted on the payments and the end date for the loan has always been 2012. So yes why would this have been passed on? It does say in the letter that Britannia-Moorgate have agreed to perform the obligations of Egg Banking under the terms and conditions of the Egg Loan Agreement, which may suggest that it all will carry on as normal. I just find it strange it has been passed on in the first place.

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Hi yes it is odd If I were you I'd write to Brittania and find out why

this has been passed on.

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Yes to Barclays as of 01/03/2011 the y now own all EGG CC accounts.

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I've received an IDENTICAL letter ref my Egg loan too.

 

In my case the account is in prior dispute. Hasn't prevented Egg assigning, full blown absolute assignment to Arrow.

 

Looks like they're selling off all of their defaulted accounts to Arrow in one fell swoop.

 

So, have to ask, what are Arrow like to deal with?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Bl**dy minded they will pass this through t Fredrikson International to collect

and the usually to ''solicitors'' Brian Carter who like to use (misuse) the

court system for debt collection.

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Ok, thanks for the heads up.

 

What are Arrow like with F&Fs?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Arrow tend to leave things to Freds in my experience, bur you can only try.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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and what are freds like with F&Fs? nothing less than 75% or do they accept lower?

 

Stagparty, I've started my own thread as don't want to hijack yours. Feel free to hijack my thread if you want though mate as we're all in the same boat being 'shelled' by Egg :)

Edited by The Debt Star

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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I fully paid off my Egg loan in January 2011 but I still received a letter last week from Egg about my loan being transfered to Britannica Recoveries. Egg state it is in case I require any information on my old loan... but at first sight, transfer to a recovery agency doesn't look good. Yes, it appears Egg are selling all their loan business. Here is the full text of their letter:

 

June 2011

Loan Account No. xxxxxxxx

 

Important news from Egg Banking plc concerning your previous Egg Loan

Dear xxxxxxxx

 

We want to give you some important news regarding the Egg Loan you previously held. Following recent discussions, the Egg Loan business will be transferred from Egg Banking plc to Britannica Recoveries S.à r.l acting in the name of and on behalf of its compartment Moorgate (Britannica-Moorgate) and will be serviced by Moorgate Loan Servicing Ltd. This transfer will take place on 11th July 2011.

 

We appreciate that you have now fully paid off your Egg Loan, but as a result of the transfer, Britannica - Moorgate will replace Egg as the data controller for the purposes of the Data Protection Act 1998 from 11th July 2011.

 

What happens next

Should you in future require any information on the loan you previously held with Egg you should now contact Moorgate Loan Servicing Ltd.

 

Your sincerely

 

 

[signed]

[probably a ficticious name]

Head of Loan Products

Egg Banking plc

 

 

Btw I successsfully claimed the PPI about 2 years ago - so I've no need to contact Egg or their successor about this loan ever again.

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silverspar - are egg selling all of their loan business or just the bad debts do you think? makesa difference to the tactic I am about to employ against them.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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The information I have is that Barclaye have aquired the '' live'' EGG accounts not defaulte,

the subprime accounts are being hived fff.

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Please Consider making a donation to keep this site running!

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right...so what does egg do if it cannot hive off a subprime account because to do so would breach the OFT Guidance and s40 AJA 1970? Am thinking here of accounts in prior dispute.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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