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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      Looks promising then.  Well done   Dx
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      So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

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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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      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
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Mbna/restons Ccj & Cca

Custard Creams
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Custard Creams

Custard Creams

Posted
Posted

Wish i had discovered this site several months ago:wink:

 

Received blue papers from Restons, and as i agreed with it (as advised by CCCS), Im now the proud owner of a CCJ:mad:. Restons declined my offer of £30 and the court have said i have to pay £192 per month for a debt less than 4K. I've written to the court for Redetermination, but having read some other threads on here, I'm not feeling as confident as I was.

 

Would the judge consider my other creditors who are receiving money on the DMP? There were 8 creditors in total.

 

I've also written to my creditors re CCA, would it be worth doing this also for MBNA even though i have the CCJ?

 

Can i still claim the credit card charges for MBNA even though they have used Restons to get the debt back?

 

Any help is very much appreciated.

Custard Creams x

 

 

If this site has helped you in any way, please make a donation...no matter how small.

 

 

 

My comments are based purely on my own experience. I have had no legal training.

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diddydicky

diddydicky

Posted
Posted
Wish i had discovered this site several months ago:wink:

 

Received blue papers from Restons, and as i agreed with it (as advised by CCCS), Im now the proud owner of a CCJ:mad:. Restons declined my offer of £30 and the court have said i have to pay £192 per month for a debt less than 4K. I've written to the court for Redetermination, but having read some other threads on here, I'm not feeling as confident as I was.

 

Would the judge consider my other creditors who are receiving money on the DMP? There were 8 creditors in total.

 

I've also written to my creditors re CCA, would it be worth doing this also for MBNA even though i have the CCJ?

 

Can i still claim the credit card charges for MBNA even though they have used Restons to get the debt back?

 

Any help is very much appreciated.

 

was this through northampton? -if so not unusual and i would apply for a redetermination at your local court

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sunflower99

sunflower99

Posted
Posted

Hi Custard Cream

So sorry you got involved with restons before you got involved with Cag and awful that even though you admited debt the judge still ordered you to pay that much especially as you have children and i assume on a low income.I am afraid in my case i was different as i defended from start and did s78 request before court case,so not really abe to advise you about appeals and redeterrmination and in my case a no win no fee solictor now involved after i submitted AQ

Diddydicky right seem letting northampton online court systom deal with it a big mistake and you need to contact local court and find out about and apply to a court for a redermination order if you dont want to dispute debt.Have you done a cca to MBNA to see if they got an enforceabe agreement? What year was your card taken out?Hopefully if you submit a income and expenditure sheet to DJ in an redetermination appeal a fair decent judge should be able to set lower repayments?

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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diddydicky

diddydicky

Posted
Posted

northampton bulk centre is akin to a meat processing factory

 

they weed out the defended cases and ship them off to whatever court is local usually to the defendant and the rest is "processed" like factory processing- thus the try to keep things simple

 

it is easier to simply make or agree with a forthwith order or set an arbitary amount for repayments in order to "clear their decks" in the knowledge that if the customer (defendant) bitches about it they can then look properly at it

 

so....... Bitch

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  • 4 weeks later...
Custard Creams

Custard Creams

Posted
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Posted
northampton bulk centre is akin to a meat processing factory

 

they weed out the defended cases and ship them off to whatever court is local usually to the defendant and the rest is "processed" like factory processing- thus the try to keep things simple

 

it is easier to simply make or agree with a forthwith order or set an arbitary amount for repayments in order to "clear their decks" in the knowledge that if the customer (defendant) bitches about it they can then look properly at it

 

so....... Bitch

 

The sun is shining so maybe this is a good sign......I will be bitching at 10am today;-) so will keep you posted.

 

I have a feeling though if things go in my favour, this will not be the end of my relationship with Restons:rolleyes:. Even though I foolishly admitted the debt, can i still claim back my charges?

Custard Creams x

 

 

If this site has helped you in any way, please make a donation...no matter how small.

 

 

 

My comments are based purely on my own experience. I have had no legal training.

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