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    • 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
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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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American Express / AIC?


Izzy40
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I wrote to Amex a few weeks ago advising of my situation with a current I/E form and offer of pro rata payments. I have started making the payments and received a letter from them asking me to ring their 'dedicated financial specialists' for further help. After advice from the forum I just wrote to them again reminding them that I had sent the I/E form so they had all of my details and that all contact should be by letter.

 

Today, I have received another letter from them saying they are disappointed I have not rang and if I do not ring them in the next 7 days, they will be 'forced' to collect the money by other means to protect their position.

 

There seems little point in me sending them another letter of the same kind, shall I just ignore it or what??? I have just made my second month payment. Thanks.

 

By the way, a few of my creditors have accepted my offer and frozen the interest, obviously subject to periodic review.

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  • 5 weeks later...

AIC also act for Lloyds TSB, don't think they are in house though, just another hopeless DCA ;)

9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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  • 2 weeks later...

Thread moved.

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  • 2 months later...

I have been making a pro rata payment to the OC for 6 months which was accepted on a 6 months basis and interest has been frozen. I have now received a letter from Apex advising me that their client has instructed them to collect the full amount outstanding. I have had no other correspondence from the OC.

 

What do I do now and do I still make the payment on 1st Dec to the OC??

 

Thanks.

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std tactic.

ignore them and continue payments to OC.

 

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, I have not requested a CCA because it was an online application for a credit card and I understood that these were automatically enforceable because of the online signature? Is this correct?

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ignore apex just chancing their arm

if it was 2006 then i bet no cca.

 

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, I applied for a CCA from Amex re an online application I made in Jan 2007. There seems to be different opinions regarding online applications in that they are automatically enforceable but others seem to mention that there are still guidelines that must be followed.

 

Can someone please take a look at what I have received and advise where possible:

 

 

http://i49.tinypic.com/23uuls.jpg[/img]

 

Thanks.

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  • 1 month later...

Hi, I wonder if anyone can help any further with this please. Obviously the image above is what I received from Amex and I continued to pay them a pro rata pymnt each month and am still doing that. They refused to accept pymnt and I started to receive letters from AIC who also never accepted my payment, although I never heard too much more from them.

 

I have now received a letter from Newman asking for contact. The following day I received another letter from them saying that as I had refused to contact them (overnight!) they are prepared to allow me to clear the debt over the next 3 months (impossible!). I have now received a letter all in the same week saying that a search of the land registry shows that I am a home owner and perhaps I would like to release some equity to clear the debt. House is neg equity so no chance.

 

What is my next move here as I have not contacted them at all yet? Need to know really if this would be an enforceable agreement and should I stop pymnt to OC and negotiate with DCA if they have sold on ? Thanks.

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Hi Izzy, I was sent a similar sheet from my skycard account, I sent off an account in dispute letter, the debt was then passed to a dca, I informed the dca that the account was in dispute, they sent me a letter stating they would send it back to sky and I have heard nothing from anyone for over a year. Someone with more knowledge maybe able to shed some light on it but this route has worked for me so far ;) BTW mine was an online app in 2007 aswell :) Rainbow x

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I don't think so based upon what can be seen here, the Consumer Credit Act 1974 (Electronic Communications) Order 2004 dictates that an electronic signature is required in place of a normal one - this can be just a tick in the box. what would be required is a screenprint of your application with clear link to the terms and conditions: the document scanned here is just a back-office data management form.

 

where is page 2 of 2?

To err is human: to completely mess up is my peculiar gift.

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