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    • 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
    • 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    
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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.
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Count Court Claim received MBNA\Optima


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When you draft your letter, highlight any words , phrases, you feel they may not understand and enclose the dictionary definition or suitable explanation.

 

This could mean that your letter looks as though it has a severe rash.. but what can you do:rolleyes::D

 

Its nice to wake up and have a chuckle :D

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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When you draft your letter, highlight any words , phrases, you feel they may not understand and enclose the dictionary definition or suitable explanation.

 

This could mean that your letter looks as though it has a severe rash.. but what can you do:rolleyes::D

Yes CB, I have always done that. Perhaps I should highlight the whole letter.

 

I will copy the court manager in again.

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This just gets more concerning. I cannot beleive that these are solicitors drafting these responses.

 

They issue a claim with no supporting documents in their hands.

 

They reply to my first 5 CPR 31.14 letters with illegible documents and documents missing when their letters state they are enclosed.

 

They ignore my CPR 31.15 letter to inspect the documents.

 

I am forced to issue an embarrassed defence.

 

They issue a reply to my defence, where the references to para numbers from my ED are mis-quoted.

 

In their reply they refer to the bundle attached, but this has documents missing that they refer to in their reply as being in the bundle. 2 more illegible sheets.

 

In their covering letter they state that their client is unable to provide the original agreement, yet in their response to the ED, they state that they have the documentation to prove the claim.

 

They have put me to strict proof, when they are the claimant.

 

Then require me to file a fully particularised claim by next week. I have a fuller defence ready, however it is still part embarrassed where the agreement is concerned.

 

I have written to the court twice now, advising them of the situation, but no response.

 

Ho Hum.

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Vint, They cannot order or even require you to put in a fuller defence. Onlly the court can do that.

 

If you are still corresponding with Northampton then they wont reply to your letters, I dont think. They didnt to mine .. however the claim was stayed and still is (not an MBNA situation).

 

Have you telephoned Northampton to see if they can offer any advice... they are usually pretty helpful in a non committed sort of way !!

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

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1: How can BCOBS protect you from your Banks unfair treatment

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I wonder if Optima are gearing up to issuing a Summary Judgement ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi CB,

 

Spoke with the court. Pretty helpful as you said.

 

Despite our freinds issueing an official looking reply to my defence, they have not lodged it with the court. They have heard nothing from them.

 

He says they have until the 15th Feb, then it goes before the judge for directions and a probable order to supply documents.

 

They apparently cannot obtain an SJ as I have filed a defence.

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Sorry I dont have any expertise to advise you Vint - just want to offer some moral support! :)

Thanks haggis. A little more comfortable now, having spoken with the court. They seem to know Optima of old;)

 

Even more depressing was speaking to my sister just now. They live in Crete. They don't have much money, but are extremely relaxed and can afford to eat and drink well. rates or council tax is £70 a year, water is £60 a year, food where they live is about 35% of the uk prices.:sad: I love Greece.

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:D

I feel a bit cheered up now after bringing my filing up to date for the last hour. It's reminded me that I'm sitting on, not a naughty step but:

3 faulty DN's (1 loan, two CC's)

4 accounts without any agreements, one of which just gave up and removed it from my credit file (without being asked) after admitting they didn't have one.

Methinks it's the happy hour :)

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Vint. My source on the inside tells me that your case has now been transferred to the Dispute Resolution Department of Optima and is currently being handled by a G**** P*****. This person is a solicitor albeit newly qualified.

 

I also have it on good authority that there are one or two people at Optima who have now started tuning in regularly to these forums to see what's being said about them and what errors have crept into their output...... Seems that they might be using this board as a sort of educational/training tool ;). Oh well, if they didn't persist in making errors and turning out shoddy work as they seem to have been doing from the evidence on here and documents which other people have posted up, we wouldn't have anything to write about... Fair comment, justified opinions and qualified privilege all apply....

 

Vint. If they do attempt to go for summary judgment, remember, the test for summary judgment is very, very high and if you have still got outstanding issues and questions it would be entirely inappropriate for them to chance any such application. I don't have to remind you but keep all letters and documentation.

 

Regards

Thanks Langster,

 

Just a couple of points, not sure how they would know who I was from this site.

 

Can you elaborate on Despute Resolution.

 

Regards

 

Vint.

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Hey Vint,

 

Just doing some bored surfing and came accross this:

 

http://www.consumeractiongroup.co.uk/forum/campaign/97712-complain-about-litigation-behaviour.html

 

Might be worth a complaint about the idiots you're dealing with

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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Hi vinnt,

Just returned from another short stay in hospital and i find that you're upto your ears in it ! looks like you're getting some good advice though,i know you can take care of yourself but we're all crossing fingers for you,give em hell.

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