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    • Hello. So I’ve found this high-end turntable on some Dutch Gumtree equivalent. Seller seemed like a nice guy who's agreed to go through the trouble of posting it to the UK. So I’ve paid with PayPal opting for buyer’s protection. 4 days later I’ve got a phone call that the courier is at the gates to the estate. I've ran to the lift all excited. As I stood waiting for the lift I saw through the window the courier taking out the box and dropping it on its side (it has to be carried horizontally). I hoped it's not my turntable...but it was. When I came down I was upset and asked him why in the world would he drop it on its side when it clearly says ''handle with care'' and there are clear arrows on the box indicating that it has to stay horizontal. All he said was - ''sorry, you can refuse it if you want''. I've told him that I’d like to report this and asked him for a form to do it and asked what the procedure is. Their van was blocking the gate and there were other cars so I’ve asked him to park the van and he just snapped a pic of a parcel on the ground (they don't need a signature because of pandemic), jumped in the van and left... I was just standing there in disbelief. I waited a bit maybe he'll turn around and come back but he didn't, I went onto the app and all I’ve found was that parcel status has changed to 'delivered' and there was a picture of it on the ground uploaded.  Couldn't find any way to report what has happened on their app, apart from leaving a feedback for the driver. Took it home opened the box hoping the damage would be minor. so the acrylic lid (£250) is broken, the tonearm (£1310) has been broken off, the cable (£250) is ripped off, the motor speeds are off, the plinth and the deck have scratches (don't know how to evaluate that).  Phoned dpd- got no reply, went onto their chat system and was told to just send the pictures of the damage to the guy in Netherlands as he has to start the case as he was the one ordering the delivery. The seller has been really cooperative. And after hours on the phone he's got a reply asking him to send photos of the damage and the damage costs which he's done, after two weeks they have send him a form to fill, which he's done and it's been almost 2 weeks since. No reply. It's been really annoying as I’ve spend a lot of money and don't know what the situation is. I have 'PayPal buyer’s protection' but I don't want the guy who's sold it to me to be out of his pocket as it's not his fault that the courier was so incompetent. What are my options? Can I do anything on my part to speed this process up and what would my options be if dpd wouldn't agree to pay the adequate compensation? Thank you
    • What happened BRS, contacted me after the accident and wanted to repair the damage i agreed i told them don't you want to go through the insurance they said no !. I said ok you can repair the damage, they asked me for more details about the damage so they could post the job on mybuilder.com. Anyway i emailed them giving them details of the damage and they never replied and ignored me.   It was only when i done a askmid and got the insurance details of 2 policies running on the vehicle and contacted Allianz the first on the list, BRS contacted me saying sorry for the lack of communication i went on holiday and left it with another staff member who failed to contact you.   BRS offered to say they want to repair the damage i said "NO" you messed me about the first time and now i want the security of going through the insurance.     I did give them one last opportunity under my terms i told them to pay ***** (fair amount)into my account and that would settle the matter and i would sign a agreement that the damages are paid in full. There reply was "that is not how we do things here and to contact their insurance" and conveniently never gave me the insurer responsible.
    • Check this and read about a Notice Of Correction     
    • There can be many reasons for dual insurance, depending on the use of the vehicle, certain hires, contracts etc, - nothing our of the ordinary there, just get the firm to confirm which one, as above don't let them dictate, they are in the wrong.    I would use you own insurers , and always advise this in cases where there is an impact claim for a  wall or similar.    Reason being is the third parties liability is for indemnity only which realistically is to pay for the damaged part of the wall and that only, they don't even have to pay for a builder, just the cost to repair, leaving you to deal and fend for yourself.    Your home  insurance cover will be on a new for old basis, giving further allowance if there any grey areas in regards to block matching, matching items (say for the welding) potential wear and tear contributing etc,    - more chance of getting more of the wall done than just the section that is damaged - plus it gives you a much better right of recourse if anything goes wrong, especially if you get a cash settlement or they use dodgy bob the builder.    Your insurer will want the third party details and will chase the responsible underwriter for their recovery, you may be able to piggy back on that. The reason for their hesitance in confirming about claiming back the XS will be due to the fact they are a home claims team and don't do an awful lot of recovery of losses compared to a motor claims department, and generally don't have as much experience on a day to day basis (or certainly not the front line staff). 
    • Give them time-amoebas are a little short on brain power to work sarcasm out. I wrote a letter similar to yours to Parking Eye and they wrote back to confirm they had received my appeal! 
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baileywoowoo

CCA to currently paid debts

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Righto, I'm sorting stuff out to send CCA's to all our current debt collectors as we've always just paid up without checking first that they do own the debt and the have information required to chase it.

 

Could someone send me a link please or advise what to write for a CCA to DCA's that we are currently paying debts to?

 

Also, could you explain exactly what information we are expected to receive from the DCA and what we should do if A) that information is not what is expected and B) they don't send anything?

 

If the DCA's cannot provide proof of the debt should we be paying them?

 

Would they have a right to cancel our current monthly agreement and ask for full payment?

 

Thanks in advance for your help. We're currently paying Ruthbridge £30 a month, Rockwell £25pm, 1st Credit £10pm and Paragon £10pm.

Ruthbridge are also chasing hubby for another debt that is almost statute barred and so far we've ignored the letters.

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here is the list of template letters you may need.

 

The cca request letter is no 8:

 

The Consumer Forums - Debt collectors

 

you need to include a £1 po and just print your name and do not sign it and send recorded to whoever you are paying the monies too.

 

 

if they send something to you in response you could scan it or take a pic of it and upload it to here using photobucket for fols to have a look at it to see if enforceable.

 

if they do not send you anything you can send them an account in dsipute letter - can help you with that if required

 

you shoudl recevie a copy of your original agreement and s statement of account.

 

they would have no right to cnacle any paymnt arrangement you already have and regarding if they default on your cca erquest the next step is up to you.

 

if they did default you are within your right s to withold payment until they provide a valid cca or this would put you in a much better position to offer and massively reduced full and fianl offer to get rid of them.

 

please remeber no enforceable agreements means that, the debt would still exist but you are under no obligation to offer payment to them

 

Ida x


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Brilliant. Thank you for that.

I shall send the letters out and see what response I get.

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They cannot make any negative reports against you if you are making agreed payments, even if they are below the amount required within the original agreement. You may also be surprised to find that they cannot substantiate their claim to be the legal owners of the debt. It is highly likely that they have not been sent the relevant paperwork by the original lender.


Working to help set people free from debt.

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They cannot make any negative reports against you if you are making agreed payments, even if they are below the amount required within the original agreement. You may also be surprised to find that they cannot substantiate their claim to be the legal owners of the debt. It is highly likely that they have not been sent the relevant paperwork by the original lender.

 

In which case what should we do?

I have sent off 2 of the CCA letters - 1 to Rockwell and 1 to 1stcredit. Both of these we have been paying off monthly for about 3 years now, but I never questioned their 'ownership' when they sent payment demands at the start.

Do we just stop monthly payments until they do produce the relevant documents!

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sorry debtdecpetion but you are wrong and if you check most threads all have been defaulted on reduced payments as per the t and c's of any alleged agreement.

 

No probs bailey just post back if you get anything

 

ida x


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after you have sent a cca they have 12 + 2 days and after that you are entitled to withold payment until they produce a valid cca

 

ida x


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You are entitled to withhold payments if that default on providing the executed agreement, but they will register a default on your credit record even though they should not. Also provided you are meeting payments as negotiated with the lender (even if they are not in line with the original agreement) they are again breaking the rules if they file a default with the credit reference agencies, however, banks rarely follow the rules.


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I shall just have to wait and see what they deliver in the way of the requested paperwork then.

 

However, we're not particularly worried about credit reports. I know that may seem to be a stupid thing to say but we never intend to get credit, a mortgage or loans ever again and infact haven't done in the past 6 years since moving here.

What we cannot afford to buy with cash we simply cannot afford and don't get.

 

I did get my credit report a few years ago but I didn't keep it. I do remember that there was nothing derogatory on it though.

Should have got hubby's instead as all credit cards were registered in his name.

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same as what i done bailey and i can't beleive the difference in money that we have now. If we wanted or needed anything it had to wait til we saved up and appreciate now that not due anyone money (first time in 13 years that our council tax is up to date with no arrears :D ) and we actually are more happy and content. If we can't afford it, tough. Have everything we need and a bit more.

 

Have a meeaningless ccj due to drop of in dec from an old employer, never and refused to pay a penny and they haven't enforced it but if they did would know how thanks to cag how to contest it.

 

Sometimes just admitting right i am in debt and goona have a few years of struggle but when you get to the end of it you will appreciate every else you have.

 

Ida x


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