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    • 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
    • In the SAR, I received the original application, lots of computer print outs, yearly statements from 2013 and the new emails regarding my complaint. They sent me a £50 cheque after I chased them for the SAR after the 30 days. They said they was waiting for me to respond to an email (which I never received) before sending the SAR
    • classic P2G. I'm sure dianne and Lesley will pop an email to you at some point.
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Allied International Please Help


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Hi there,

 

Today I recived a letter demanding I immediatly pay £2,500 to Allied Int which originated from Loyds TSB, which I had been passed to BLS collections which I had been making payments to. I have had no notification of this debt being transfered to any other company. Iam currently not working and have no chance of paying this money back in full. Is Loyds bank allowed to just pass this debt onto different companys whenever they want?

 

Can some one please help me with this, as I have read on other posts that this company dont arrange repayments it just wants the whole amount, also I think Loyds applied alot of charges onto my original account. Would it be possible to have a breakdown of the steps that I can take to avoid going to court.

 

Thanks very much.

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Hello and Welcome, Marko.

 

What sort of account was it and do you know how much they have added in charges ?

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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had been making payment too?

have you stopped?

 

and what is the debt please?

 

CC bank A/C oD?

 

don't worry AIC are known forgoing in for the kill without testing the water first.

 

they can do NOTHING to you they are a DCA

 

they have NO LEGAL powers.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi there,

thanks for your quick responses. It was a student overdraft of £1500, being stupid I never recorded any charges etc so £1000 has been added to the orginal overdraft. I could not keep up with the min payments but done my best at trying to with what little I get being unemployed at the minute.

 

thanks mark

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Hi there,

thanks for your quick responses. It was a student overdraft of £1500, being stupid I never recorded any charges etc so £1000 has been added to the orginal overdraft. I could not keep up with the min payments but done my best at trying to with what little I get being unemployed at the minute.

 

thanks mark

 

When did you finish being a student?

.

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

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June this year I graduated

 

thanks mark

 

This will be interesting. Next question is whether you changed courses during that period of time or was it a straight 3 year degree?

.

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

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How did the amount go to £2500.00 when most student overdrafts are interest free and then move onto graduate terms with a decreasing overdraft?

I think you need to send a SAR to lloydsTSB cos there is at the moment at least a £1000.00 discrepancy.

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.

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

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Ok thanks I will send a SAR to Loyds, what should I do in the mean time with Allied International demanding I pay the full amount tried to ring them today but went straight to voicemail is there a course of action I should take so they cannot take this any further.

 

Thanks alot Mark.

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Ok thanks I will send a SAR to Loyds, what should I do in the mean time with Allied International demanding I pay the full amount tried to ring them today but went straight to voicemail is there a course of action I should take so they cannot take this any further.

 

Thanks alot Mark.

 

When they contact you again(let them do it) then tell them that you are contacting lloydsTSB to check what has happened on the account since you dispute the amount that they are claiming is owed. Ask them to put the account on hold until such time as you have the details. If they insist on a payment then tell them NO you won't pay a penny until you can verify the correct amount that is due.

.

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

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I hate both companies with a passion. I've had endless problems with LTSB, and dont be surprised if they knock up an agreement out of thin air. That said, going at the rate that LTSB has been losing cash and workers lately, there'll be nobody left to work for it in about 18 months.

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