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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • 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
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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.

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Here you go, amend to suit. Print a couple of copies out just in case they still come round after you've faxed it off. If they do shove it in their face with a look that tells em you mean it :)

 

 

Dear Sir or Madam,

 

Account Ref xxxx

 

Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me by telephone over the past few weeks/months and these have been duly logged by time and date.

 

Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384

. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

Yours faithfully,

 

Remember to print your name never sign it.

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tiaposy

dont worry you are in good hands here with postggj and diwigster, dont panick dont speak to them and dont answer the door to them if they do call at your home, now you have found CAG its thier turn to panick.

jdene

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Well, they have just called - my account manager is actually alright. He wanted bank statements etc. I just gave him a token payment.

Thanks for the letters - saved me a major problem with my husband.

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Under the data protection act dont they have to ask for the person on the account ?

 

If they ever do turn up at the door unless they ask you for security details dont speak to them & if they do turn up ask them if they have ID. If they ask you a security question just refuse to give the info & shut the door in their face.

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Just wanted to say thanks for everyone's help on this one.

The guy who rung my office was so rude, i rang him back to tell him but all he kept doing was asking my security details, which I refused to give him. That wound him up!!!

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DONT give them your bank statement or fill in an income and expenditure form, they are not entitled to the information and are only fishing to see if you have an 'undisclosed income' that they can leech into.

 

They are scrabbling around for cash at the moment to pay their wages, so why not ask them for a copy of the bank statement for the account where your money has gone into to prove that the payment has been made... should confuse the hell out of them!

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If these muppets do show up as other Caggers have said, give them the letter. If they become aggressive and try and enter your property call the police and also report the matter to OFT and Trading Standards. To enter your property they must have a court order and the police will not assist them in this unless there is an order. If they manage to get into your property and take anything then they have committed a technical burglary but you could definitely successfully prosecute for theft. Is this a secured loan or car finance??

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He wanted to see my bank statements to make sure I wasn't spending on 'luxuries'!!! Cheeky sod

 

I have to comment on this, it is totally unacceptable and they have no right. . . unbelievable. hope you told them so....... cant believe they actually ask these kinda questions and less informed people would do this.

 

 

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well they said to me once when I was looking for work (I had been unemployed for 12 months) "you cant be looking very hard for a job if you have been out of work for a year"

 

On their own telephone scripts I have been labelled a trouble maker who needs reeducating in the welcome policies proceedures.

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hi you probably have sorted your problem but for anyone else, i work for a doorstep lender and you need to inform that it is a silent account i.e you dont want your husband to know. Also under data protection laws if they were to call at your house they cannot even mention the company they work for or the reason they are calling, they must leave a sealed letter if they are asked to leave a message at the door. They can threaten all they like on the phone or the door they are not even allowed to mention the word court! you can make arrangements with them to repay debt and dont be put of if they say thats not enough, they just want more.. if any one else has problems with these type of companies please get in touch..

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