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    • Morning guys As Bank suggested, I've now re-worked my POC to include details of my parcel's original loss,  miraculous rediscovery a month later and subsequent delivery, albeit having been opened and the contents removed. Grateful for your thoughts please, as (P2G having gone very quiet) I intend to initiate court proceedings against P2G tomorrow - 1 May. Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant failed to arrange for the safe delivery of the claimant's parcel containing 8 second-hand 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 whilst Evri collected the parcel for delivery on 18 March 24 they then ‘misplaced’ it a day later, formally declaring it lost on 27 March. On 16 April they found it and delivered it on 17 April but, at some point before delivery, it had been opened and the contents removed . The defendant 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 also 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  
    • Odd one this, I recieved 2 notice's for the 18th and 19th April stating that I overstayed on Wigan Robin Retail Park. Permitted Minutes 180. They state I was there 355 minutes on the 18th and 388 minutes on the 19th. Both times I was there around 10 minutes getting my wife a brew from costa after dropping the kids off at school.  On both days I had passed through there a second time around 3pm, again to get a brew then left. Both notices have 2 images each, Entrance and exit.  This is the interesting bit. The Entrance images both timestamped actually clearly show I am exiting the retail park not entering it. And the exiting images they provided show me leaving the carpark after visiting a second time later in the day. In the attachments You'll see all 4 images show that I am exiting, none of them are of me entering. I understand most if not all that see this post won't know the area but if the look at the map link i gave you'll see the road I was on leading up to the main road. g24 ltd 1.pdfg24 ltd 1.pdf GoogleMap view of the road I am on in the entrance images I would have had dashcam footage but I since formatted the memory card. I tried recovery tools but I couldn't get the files back.  
    • An update: I just got another PCN. I get the feeling that someone in the residence is calling OPS, as it's dated for a few mins after I parked. I won't appeal of course. Interestingly, our cleaner was also parked but didn't get a PCN. I asked them why and apparently they're whitelisted. I did ask the MA if they could whitelist me and they said they couldn't. Clearly they decided not to tell the truth. Surely, this would resolve all of the issues entirely i.e. we'd keep non-residents from parking, whilst allowing for residents to park without issue? Also, could OPS now take me to court for both PCNs separately, or could it be one case?    
    • I was with sse broadband until Jun 2023 at which point without notifying me they passed me to origin broadband who I was unaware is my supplier now -  My broadband at home kept working and I was under the impression that sse are taking direct debit payments from my bank account and everything is fine because the Internet has continued to work.  To my horror I have just noticed that origin broadband has been sending me PDF bills for £39 a month and the email heading has been showing as just no reply so I thought it was junk and never bother to check it.  I have now noticed a bill every month and now I owe them some £350. I did instruct origin to supply me Internet and therfore don't feel responsible for this debt.  What are my rights and is it a legal debt considered I did not sign any agreements with them - their first contact with me tho was very clever back in July 2023 trying to lure me into an agreement however because I just saw that email now I'm not sure what to do because I owe them 400 pounds nearly supposedly at 39 per month.  Our agreement with sse was for 26 per month but they shut shop and passed us to origin without asking our consent.    The following is what origin email said back in July before they stated sending invoice every month for payment.    We hope you're enjoying your reliable phone and broadband with us. We're just letting you know your phone and broadband package will end on 30 Jun 2023. Thankfully, good things don't need to come to an end - read on to decide what you want to do next.   Below you'll find the details of your current package and some other great options to compare it to.   What can I do - shall I just pay the debt and cancel it and move elsewhere or is there any way I can fight this as they are more or less enforced upon us with out permission by sse who most Likly sold our accounts to them.    Any help greatly appreciated 
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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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defaulted car loan with The Funding Corps


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Yes as the original payments were for £200, i called them up to inform them of redundancy some time ago and they agreed for lower payments of £100 per month instead, all was going well until i could not really afford the £100 per month.

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It sounds to me if they don't have an agreement and without that, they can't enforce payments.

 

You should write to them again (recorded) and tell them that as they consider the addresss to be proof enought to write to you, no further proof is required and the original date of the SAR still stands.

 

Sending you a pm

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  • 2 weeks later...

Great, surely this can't be right...

 

After SAR'ing TFC some time ago (and they have still failed to acknowldge my request, but cashed the £10 postal order in which i sent) the account has now de-faulted which i was aware of happening.

Is it right and perhaps legal to send out default letters at £30 each to let me know i am late paying? As i have had 3 so far this month totalling £90 in late payment fees and charges. My monthly payment is not much more than the fees they have added to the account, thus doubling the amount i have to pay to them.

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Very briefly, i have sent a CCA request followed by a SAR request to a finance company back on 7th June requesting all information they hold on me as i believe the agreement has some issues.

 

I received a letter from them soon after (14th June) asking for proof of my identity. I sent them a letter stating that i feel this is not needed as they regulary send sensitive letters addressed to me at my present address.

 

They are continually calling (landline) and sending "Account Terminated" and "Final Notice" letters to me at my address.

 

I beleive the 40 day limit is up sometime soon (tomorrow i think if you include weekend days and not working days)

 

What should my next course of action be with regards to the lack of SAR..?

Any ideas...?

 

Thank you :)

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A data controller can refuse a request if they are not satisfied that it is the subject making the request.Very often they will use this for staling.

 

Ok I suggest sending a copy of your passport,drivers licence,or similar-with your sig blocked out.

Tell them that you regard this as adequate proof and that you expect compliance immediately.

Send this recorded.

 

Who is the company as a matter of interest ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Martin thanks for the reply.

 

I have a huge folder containing all the letters the company have sent to me in the past. (Including statements, letters of default, termination of contract and final notice letters amongst many many others)

I do understand that if they are not satisfied with my identity they can ask for proof of who i am, but considering the amount of letters i have received and the sensitivity of those letters, i am sure they do not doubt who i am. I refuse to send anything to them on this basis and requests for my signature seem suspect in the very least...

 

Oh and the company...

 

The Funding Corporation...

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Hi Martin thanks for the reply.

 

I have a huge folder containing all the letters the company have sent to me in the past. (Including statements, letters of default, termination of contract and final notice letters amongst many many others)

I do understand that if they are not satisfied with my identity they can ask for proof of who i am, but considering the amount of letters i have received and the sensitivity of those letters, i am sure they do not doubt who i am. I refuse to send anything to them on this basis and requests for my signature seem suspect in the very least...

 

Oh and the company...

 

The Funding Corporation...

 

 

 

 

The Funding corporation, now don't get me going about them..

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Oh please do enlighten me, as i seem to be having a torrid time with them at the moment :(

 

 

 

 

 

 

 

 

 

I would as a matter of urgency change your landline number as they will never stop phoning. My OH had them phoning her as soon as she came in from work demanding money and putting pressure on her. I decided to change the number as the pressure was putting unbelievable strain on our relationship..

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Hi Martin thanks for the reply.

 

I have a huge folder containing all the letters the company have sent to me in the past. (Including statements, letters of default, termination of contract and final notice letters amongst many many others)

I do understand that if they are not satisfied with my identity they can ask for proof of who i am, but considering the amount of letters i have received and the sensitivity of those letters, i am sure they do not doubt who i am. I refuse to send anything to them on this basis and requests for my signature seem suspect in the very least...

 

Oh and the company...

 

The Funding Corporation...

 

 

Yep I get what you are saying-but they DO have this to hide behind under the DPA unfortunately.

Theres no obligation for you to give a sig.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Dude, yes they acknowledged the letter and have cashed the £10 postal order in which we sent back on the 7th June.

 

 

 

 

 

 

 

 

Well in that case, I would be saying that the fact they have cashed the money sent with the subject access request they have excepted your request for the data you requested.

 

Keep everthing in writing and do not talk to them over the phone at all..

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Thanks, i was on the understanding that if it was cashed they accept the request, but i was not surprised to see the "Prove It" letter in the post, i have not sent any confirmation as to who i am as i feel like i mentioned before they know full well who i am considering the phone calls i have and letters i keep receiving.

 

As i think the 40 days are up in the next few days what plan of action whould i now take with them...?

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Send them the non compliance warning letter.

Dont forget-a complaint to the ICO will need to be supported by their Comms to you (copies of) so the ICO will want to know why you didnt provide some proof of ID after they asked.

I know this is a pain in the A**

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks again Martin, the reason as i have said before is pretty straight forward, i have just counted last weeks letters and they add up to 4, plus the countless times they are trying to call on the landline...

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Thanks, i was on the understanding that if it was cashed they accept the request, but i was not surprised to see the "Prove It" letter in the post, i have not sent any confirmation as to who i am as i feel like i mentioned before they know full well who i am considering the phone calls i have and letters i keep receiving.

 

As i think the 40 days are up in the next few days what plan of action whould i now take with them...?

 

 

 

 

 

 

 

I believe you can take it up with the information commissioner.

 

Type that into your browser and it should take you to there site..

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Send them the non compliance warning letter.

Dont forget-a complaint to the ICO will need to be supported by their Comms to you (copies of) so the ICO will want to know why you didnt provide some proof of ID after they asked.

I know this is a pain in the A**

 

 

 

 

 

 

 

I would just say the fact that they had cashed the postal order is acceptance to me that they have accepted my request as the request with the money arrived together..

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I have really only had one or two stallers from my DPA requests-and have made prob 30 since 2006.

 

One was Citi Financial who insisted on filling in their form.

Of course I disregarded it.

They then went on to demand proof of ID AND Address despite me having docs and letters from them which equalled a Yellow pages.

 

But having studied the DPA I saw there was arguement there for them -so just sent a copy of the Electricity bill and passport.

 

They then complied within a matter of days.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Data Protection Act 1998 (c. 29)

 

see part II section 7

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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