Jump to content


  • Tweets

  • Posts

    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Help please, ruthbridge


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5377 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi I wonder if someone could advise me. I received a letter from Jason Evans of Ruthbridge Limited stating that I owe them nearly £2000 from a debt from DLC that came originally from citifinancial. I remember this as being a loan I took years ago of £1000 but I have had no contact from them for years and admittedly comletely forgot about it. When I say years I mean it was probably 2003 or possibly early 2004 but definately not any later. They are asking for payment in full or they will;

 

A) Instruct a county court bailiff to take my goods - I live with my partner and own nothing except a car that is worth only £600.

 

B) Obtain an attachment to my earnings - I have just left work as my second baby is due in 9 weeks, I had not been with them long enough to recieve maternity pay so am not even recieving that.

 

C) Obtain a charging order to my home - I don't own a home and as I said am living with my partner in rented accomadation.

 

I am not in a position to pay this and could afford only small repayments should it come to that. The debt is in my maiden name so my Mum has suggested I send all letters back saying not known at this address. Is this the right thing to do or am I commiting an offence in doing this? The debt might be over 6 years old or if not it is very close to it, is there any way I can check how old it is? If it is over 6 years old does this mean they cannot ask for it anymore? What should I do if they send someone to my home or contact me by telephone? My partner has just shelled out a lot of money to clear other debts and the last thing I want is him having to pay this aswell. I'm completely at a loss as to what to do but don't want this hanging over me. Any advice is greatly appreciated. Thank you.

Link to post
Share on other sites

Firstly no-one will turn up, if so they can simply be told to go away.

Only court officials have that power & its along way from that stage - you'd have to have had a CCJ & defaulted on it etc..

If anyone rings by phone - refuse to answer their security questions & insist everything must be in writing only.

Their threats are just that...threats, designed to frighten you - when infact they have no legal powers over you whatsoever.

Link to post
Share on other sites

Firstly, a warm welcome to the CAG forums, you will find plenty of threads on here about Ruthbridge. Ruthbridge are well known for chasing statute barred debts so in the first instance I would send them this letter here by recorded delivery - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred Be advised Ruthbridge NEVER respond to letters and will continue to state that Xmas is cancelled....Also be wary of the letter saying EXPRESS DELIVERY with the Twickenham postcode on it, Ruthbridge use this as a tactic to get you to phone them (don't ever phone them unless you can record the calls - why ? just read some of the other Ruthbridge threads)....!!!

 

Once you state that you will not be paying towards a debt that is statute barred they have to stop harrassing you...otherwise the OFT regard it as harrassment.

 

Keep us posted as to how/when/if they respond.....

Link to post
Share on other sites

 

A) Instruct a county court bailiff to take my goods .

 

Only a county court can issue out the instructions/bailiffs they cannot

 

B) Obtain an attachment to my earnings

 

Again..they do not have the power to do this, only a court does

 

C) Obtain a charging order to my home

 

Only relevant if a court says so & if you sell your home

 

 

In other words..the fools are talking gibberish & just report them to the OFT if need be :rolleyes:

Link to post
Share on other sites

Thankyou so much for your help. I'm going to print out that letter and send it today recorded delivery. I've also ordered a copy of my credit file from Experian so I can double check how old the debt is. I really appreciate the advice and I'll update as to whether or not I get a reply!

Link to post
Share on other sites

Ok change of plan! Have just trawled through some old bank accounts and have found that until August 2006 I had beenmaking payments to DLC who Ruthbridge have obviously bought the debt from. It can only be the same debt so I assume if my last payment to DLC was in August 2006 then it is not statute barred. So what would be my next step? Is it likely that after it being shifted from one place to another there won't be any original credit agreement? Or should I do as my mum says and send the letters back saying not at this address. As I said they are in my maiden name so I would know which letters they were. Sorry to be a pain again!

Link to post
Share on other sites

Yes, now is the time to send a CCA request.

 

Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974

 

 

1 High Street,

Newtown,

Kent

R21 4RH

 

June 28, 2006

 

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

Link to post
Share on other sites

Hi Mummy2girls :)

Right, change of tack then..

Unfortunately if you registered with Experian they'll soon be able to link up your maiden /married names anyway, if you gave Experian that info.

If that's the case then as 42man mentioned earlier you need to make them prove the debt by supplying the agreement.

As above..posts crossed :-)

Elsa x

Link to post
Share on other sites

I did wonder about that so I put my old address, where my sister still lives down. At least if they visit her she can prove she's not me and hopefully they'll leave her alone! Lol! Thank you very much for your advice. What are the chances of them coming back with an agreement? Should I start to work out how much I could afford just in case?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...