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    • This is the first item that I've ever claimed for - I don't really send too many parcels, probably 5 in the last 5 years, and only two with P2G / EVRi. I've attached two emails from P2G regarding their requiring the documents. They don't specify in the emails what documents I should be sending, although when opening the claim they were requesting that I needed photographic proof of sending - picture of the parcel with their label attached, in the EVRi ParcelShop. The second email is their closing the enquiry due to my failure to produce said document(s). I haven't yet drafted my claim letter, I wanted to be sure of this document situation first before I began action. But therein lies another problem. Not having a P2G account, I cannot be sure of the item value that I declared. The retail value at the time was £600, which is less than the £650 I paid several months earlier, so I would likely have used that, but I cannot be sure. And without having an account I can't be certain of the value I used - I may have declared more, but I doubt it. But, I know that I did properly declare the item and a value that reflected its then retail price. but now that the retail price has reduced substantially, even though the nature of compensation is to return the claimant back to their original position, without my purchase receipt, I was concerned that I may have to claim for less. And yes, I've been through the huge document store of information that you have, MoneySavingExpert, Which, Citizens Advice, Gov.uk "make a court claim", my own law books (annoyingly I specialised in consumer law when I studied for my law degree, but I graduated 17 years ago), and so now feel that its time to either act, or drop it. P2G Enquiry (2).pdf P2G Enquiry (1).pdf
    • I have found both forms online  https://assets.publishing.service.gov.uk/media/62e14db38fa8f5649f912647/TE9.pdf https://assets.publishing.service.gov.uk/media/60c73ad0d3bf7f4bd6a9bc69/te7-dart-eng.pdf   do i just fill in both forms and send to the address on them or directly to Manchester council  forgive my ignorance    thanking you in advance 
    • This is a little strange. Please pop onto MCOL, copy the claim history and paste it here.
    • I applied online via the website but got the attached reply which does not address my issue  any guidance where I can get this form from and how to do this process    thank you  I wasn’t given any ticket or anything similar at all  thanks 
    • Cheers @FTMDave  Yeah hopefully cases like this should discourage them from this nonsense as it’s surely adding to their overheads.     MCOL says defence received so will prep by reading through those links 
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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.

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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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me & the OH's debt


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  • 2 weeks later...

This is what they said to me. When pushed they sent out a letter from the OC which was suspect, and then a welcome letter from them 2.5 years after they took over the account. Just keep sending them this

 

Thank you for your recent letter, dated XX/XX/XX, the contents of which has been noted.

On XX/XX/XX, I sent a Consumer Credit Act 1974 s77-79 request for a true copy of my credit agreement, with the prescribed payment, a current and fully up-to date statement for this account and a signed true copy of the deed of assignment.

You have still failed to comply with my request; therefore you have not discharged your obligations under the CCA request.

The Consumer Credit Act 1974 is very clear what your obligations are with regard to the above request and failure to comply with this, results in the account being in dispute.

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

Failure to supply the required documentation requested is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

 

I have, and will continue to report your actions to any such regulatory authorities as I see fit.

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

Yours Faithfully,

 

Edit to suit, and send it to them after everything they send to you....annoys the hell out of them. If they ring refuse to answer the security questions and then when they ask why tell them that they have failed to comply with your CCA request. You can almost guarrentee that they will breach the DPA and start telling you how they have complied. So predictable.....t****rs

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"Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS."

 

... sounds better if you say

 

"Consequentially any legal action you pursue is both UNLAWFUL and VEXATIOUS."

 

No question of interpretation then :)

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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1st Credit have been sending out suspect letters recently, with a photocopied header from the banks...(which I suspect the banks do not know about !!!) Copyright infringement, I suspect this could almost verge on fraud....I will be writing to the Chief Exec of RBS/ Natwest to ask them if these letters are 'GENUINE' I suggest others try too.....When I SAR'd 1st Credit last year they provided 2 pages of computer print out, NONE of these suspect letters they sent me last year despite them being dated 4 years earlier !!!! this is fraud...

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interesting this thread turned up today because by chance discovered the following about 1st credit today

 

quote "

1st Credit Limited

1st Credit is one of the leading Debt Collection companies in Europe specialising in all areas of collection including Debt Purchase. Since its formation in 2001, 1st Credit has managed over £3bn of Face Value for both its own account and that of third Parties and had spent over £300m purchasing non performing debt for its own account with a Face Value of over £2.5bn."

 

now in our world 300 million divided by £2.5 billion means (unless the "pork pie" department is operational)l" they paid 12 % of face value ???????

 

Credit Today online

 

 

ps ther website is one-dimensional !!!

 

1st Credit

Edited by FANTASY CHARGES
updated POOR MATHS CORRECTED!!!

:cool: sunbathing in juan les pins de temps en temps

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interesting this thread turned up today because by chance discovered the following about 1st credit today

 

quote "

1st Credit Limited

1st Credit is one of the leading Debt Collection companies in Europe specialising in all areas of collection including Debt Purchase. Since its formation in 2001, 1st Credit has managed over £3bn of Face Value for both its own account and that of third Parties and had spent over £300m purchasing non performing debt for its own account with a Face Value of over £2.5bn."

 

now in our world 300 million divided by £2.5 billion means (unless the "pork pie" department is operational)l" they paid 1.2% of face value ???????

 

 

I think you've moved the decimal point a shade too far...

It is (roughly) 12%

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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www.bladonmore.com/downloads/thepoint7.pdf

 

MORE INFO ON WHO REALLY OWNS IST CREDIT HERE

 

 

and their seem to be a lot of mortgage charges here

 

https://secure.creditgate.com/search/search.aspx?AP=Full%20Non-Limited&CompanyID=03752940&CompanyType=L&BS=1&BT=Full%20Data

:cool: sunbathing in juan les pins de temps en temps

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  • 1 month later...

Some of you may have noticed this before,but I have just realised this myself.

 

take a look at the logo on any communication you get from these "people",and then compare it to VIKING the office supplies people.

 

They do indeed appear one and the same.......

 

 

hurt them where it counts.....in the pocket.IF they are related and want to be involved in the murky world of the debt collector,then they can't expect to have a thriving business as well!

 

Worth looking into

Edited by lickthewallfatboy

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Guest Old_andrew2018

viking Direct are a part of the office depot group, I see no link to vking collection servcies.

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Guest Old_andrew2018

why not write, and ask them that question, may be an employee of Viking Direct uses this forum they could provide you with an answer.

Edited by old_andrew2007
typo
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  • 3 weeks later...

a certain bank was SAR'd by myself,and all they sent me were statements,despite being asked for any internal communications between branch and HQ concerning the account

 

They have told me on the phone that I am not entitled to these,but I think they are prevaricating because these memos and comms may well contain damaging contents which would leave them in a tight spot (this is not a bank charges case)

 

am I entitled to get hold of everything from them with my name on it?

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Hi LTWFB

 

I hardly ever saw anyone get what they were entitled to inc myself on several different accounts.

 

You may well need to go down the road of complaining to the Information Commissioner after the 40 day period. Banks do not have high regard and give as little away as possible.

 

Its obviously something specific you want- do you have anything from them that refers to it, which you could give to the commissioner?

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I think it depends on what you think the bank have not given to you. I think you need to ask them for what you think they have and to ask them to confirm in writing when they destroyed the said details. If you still do not believe their story then go to the ICO with the relevant evidence to receive that information.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Hi Kenny

 

I had to go to the ICO to get them to comply at all!!I applied in MArch and got the statements last saturday,but the accompanying letter does not refer to the other data

 

I strongly suspect that if they send me what I want,I will have them by the you know whats.....

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If your last point of contact was the Information Commissioner, deal with them, not the bank. They are the ones with the power to investigate.

 

Let them know what you think it is they have- as yourbank said. Supply any possible proof if possible. Can you demonstrate to them how the banks action have impacted on you? That may well help.

 

MacBoy had success in retrieving a lot of data from the Halifax- think he is still sifting through it.

 

I'll keep an eye out on this thread.

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