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    • Hi 👋  I've received an out of the blue letter from Intrum saying they've passed a historic debt to Resolvecall who will be visiting our property if we don't get in touch.  I am certain this is statute barred and designed to scare us.  Do we ignore it?
    • 1) You can call them judge 2) I would say something to the line of "The Claimant needs to prove I was driving. I don't accept or deny being driving." 3) Yes I will see if I can find out for you now  
    • Hi All, I've just had the inevitable N24 and other paperwork arrive. I've read other examples on here and I think I understand the steps to follow. I have until the 28th May to return the N180 Small Claims Direction Questionnaire, I also have an N244 Application notice copy. I read an update on a case you kindly put a link in for me to read. Turns out they lost in court and are now struggling. I really don't want to get to that stage and am thinking mediation may be the way forward? Thoughts please? Pretty sure I've missed the 7 days to have the order set aside.  For reference, this is what I received: Dated 8th May Before Deputy District Judge Baker sitting at the Civil National Business Centre, 4th Floor St Katharine's House, 21-27 St Katharine's Street, Northampton, NN1 2LH   The Court will deal with the application to lift the stay without hearing under CPR 23.8(c)   It is ordered that:   The Application to lift the stay and for direction questionnaires to be issued is granted.   Because this Order has been made without a hearing, the parties have the right to apply to have the Order set aside, varied or stayed. A party making such an application must send or deliver the application to the court (together with any appropriate fee) to arrive within seven days of service of this Order. If the application is one which requires a hearing, and   a) the party making the application is the Defendant; and b) the Defendant is an individual,   then upon the filing of the application the claim will be transferred to the Defendant's home court. In all other cases requiring a hearing the claim will be transferred to the preferred court.  
    • no ftmdave ive not emailed at ceo level..i did not know you could do that....but i will do now, thanks. ive just been wasting time emailing to customer complaints department
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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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      This is good ethical practice.

      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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Vanquis Bank - what can I do?


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I currently have a Vanquis Card which was fine until I lost my job. My limit was £250 but as I am no longer working, I have requested to freeze my account and activate my Payment Option Plan. However when I received the documents it states Redundancy and other circumstances which I not what I understood to mean when I originally took it out. I was paying around £3.87 per month but now it appears that I am unable to activate it as I was not made redundant. My contract could not be renewed due to the government placing a freeze on civil service recruitment. Is there anything I can do?:???:

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Hi Shortwoman,

 

Welcome to the forums.

 

I suggest you have a ready of the stickys at the top of the PPI homepage, particularly the one entitles " notes for claimants"

 

If the terms and conditions were not properly explained to you when you agreed to the PPI you may well be able to claim it all back plus interest.

 

A few questions:

 

1) What date did you make your first payment for PPI?

2) Was the charge for PPI the same every month?

3) What is the interest rate charged on the card?

 

Also, if you have been charged any late payment fees you can claim these back as well.

 

DJ

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This bank is a total nightmare, I have recently been trying to sort out my 82 year old mothers finances. When i saw the repayment option plan I initially sent a letter to try to reclaim the "payment protection" they had sold her, they replied that the plan was not a ppi they don't sell it and therefore there was nothing to refund. When we rang today the customer assistant said that this was protection for "when she was ill and her income may be affected or if she lost c close family member then the account would be frozen(not paid off. I questioned her for a few minutes she still insisted it was "a plan" that my mother had agreed to on the phone. Is this correct how can they sell a plan like this to an elderly woman on a fixed income ?? and what do i do next. PS my mother thought it was ok to take cash out on the card too!

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Doris,

 

Makes my blood boil when I hear of these leeches preying on vulnerable people. They really don't have any morals.

 

I suggest you open a new thread to deal with your mothers claim. Will help to keep these claims separate and also help other caggers to follow your case, give suggestions on a way forward.

 

DJ

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