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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.

      Frankly I don't think that is any accident.

      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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Default damages [PCWorld wrong laptop sold & HFC Finance]- Supreme Court


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Excellent news for you Durkin, it is about time that these low life companies took responsibility for the damage they cause to peoples lives with their actions.

 

 

I am a little way behind you with a similar case having proved in court that I had no debt with a company yet they are still updating defaults on the credit file.

 

 

Once again congratulations and best wishes to you.

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Very pleased for Mr Durkin, shame that the findings of facts of the First Division cannot be disturbed, I think all he gets it £8K, not much given the stress this must have caused over the past 15 or so years.

 

A win for consumers though.

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Congratulations to Richard for taking this on and winning, but so disappointed for him that the judges awarded only £8,000. :-(

 

If you read the Judgement it does seem fair to me that the damages were only £8000.

 

I note there are at least 3 threads on this, spose they could be merged.

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Congratulations Richard. I hope you can put this behind you now.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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Good to see that the court found a common sense way to rescind the credit agreement, personally I think that this aspect will be the greatest assistance to the consumer.

 

The section 75 argument failed and there was little mention of the general losses issue, except to say that they did not have the power to make a ruling on the issue. I cannot see how the situation regarding this has been changed.

 

Although I am sure that there will be a rash of CMCs which will argue otherwise.

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DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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If you read the Judgement it does seem fair to me that the damages were only £8000.

 

I note there are at least 3 threads on this, spose they could be merged.

 

I can see why they put the damages where they did but it's still not very much considering the length of it all and the stress Richard has been through.

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I think it is a great result for consumers and it is common sense. If you buy a product, then return the product, you don't need a credit agreement for that product. That is it in a nutshell and the whole thing could have been sorted out in five minutes if anyone had employed a modicum of common sense.

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Racking my brain for the main case on damages awarded for problems caused by reporting to CRA, am sure the award was £8,000 too.

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer 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.:)

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Thanks for the support everyone.

 

I'm trying to push for a defamation claim now but it seems that it would cost too much.

 

British justice has failed, particularly in Scotland.

 

Rico.

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If the so called supreme court are powerless to institute previous determinations etc then they again are a waste of time = Also the so called cost to get justice degrades the British Legal system, as they could at outset sit around a table and discuss issues there and then instead of this proceedure that proceedure etecetecetc, they obviously did not want to rock the boat of Banks etc having the upper hand and set precenence to further scandle claims.

:mad2::-x:jaw::sad:
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