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    • Ok, so just been to see my friend, she still has her head firmly in the sand and had a pile of unopened post, thankfully nothing serious apart from this case!    In answer to your question it says N24 General Directions Order at the bottom of the page, then on page 2 where the line says "As a result of an order made on the 1 May 2024, this claim has been transferred to the county court at ##### (friends local court) " this is N271 Notice of transfer of proceedings.  Within the stack of letters I found 2 from Kearns Solicitors,    02-12-2022 Document pack with covering letter stating under the s78 CCA please see enclosed  1) A copy of the executed Credit Agreement, 2)  A copy of the terms & conditions 3) A copy of the varied terms & conditions applicable at termination / assignment, and  4) A statement regarding the conduct of your account as requested by s78(1)(a) to (c)  (Would you like me to describe the documents attached?)   18-02-2023 Generic letter asking for her to contact them to discuss settlement or they will take to court for further legal action. 
    • well you made the cardinal sin by phoning these scammers at least once so their persistence could go on. however you are new so there you go. you never ever ever phone any of these likes of scammers on these fake schemes that seem plausible.  just like a DCA chasing any old debt .. they are NOT BAILIFFS and have  ZERO legal powers to actually do anything. dx  
    • Okay understood now just based on personal experience how long does this go on for 
    • civil recovery schemes run by the likes of RLP DWF etc etc are a scam. totally IGNORE EVERYTHING. no if's or but's dx  
    • I’m 17 years old and Received 2 letters from dwf with my name spelt wrong and they are asking for for £230.40. I rang dwf civil recovery the first time upon taking advice from citizens advice to explain to delay to deadline as I was in the process of receiving advice which wasn’t much help. When that deadline was done I then called again to delay the deadline as I’m struggling financially and it’s lot of money they are asking for and I tried to dispute the cost to which they said okay we will delay it another 7 days for you to dispute the cost but I asked them how do I dispute this to you or Sainsbury’s and they said “we can’t advise you on this matter” I’ve read a lot of threads saying to ignore them but I was unsure now as I’ve made contact and have tried to dispute the payment and pay it which might mean I have admitted. Would they just persist harder and take me to court eventually or file for a ccj.   I would like to ignore them still but I would like to send a strong email so they know I’m clued up and then ignore them. I also want to pay the reasonable amount and get this matter solved. any advice on the law or similar situations are helpful when I called them I asked for an itemised bill. £101 stolen goods  ( supposedly caught me because they watched me on cctv over the duration of the week) also why did they not stop me in the first day. £20.40 recovered goods £150 security costs     Thank you 
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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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      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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Mikey25 v HSBC


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Please do continue to update.. when you finally receive the letter and perhaps if they do provide calculations for you.. one of our PPI guys can have a peek for you.

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Please do continue to update.. when you finally receive the letter and perhaps if they do provide calculations for you.. one of our PPI guys can have a peek for you.

 

Thanks. I will do. Hoping it will come today but HSBC don't seem to do anything by the book so I'll be amazed if there are any figures included.

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My letter finally arrived today and they have included some calculations. At first glance they look ok to me but if anyone would like to take a look they are as follows:

 

1) Refund of the premiums paid between 25/4/2003 and 10/1/2006 including average balance calculations where electronic records are missing = £1393.11

2) Interest that was debited to my credit card in respect of these premiums = £660.38

3) Simple interest at 8% = £1358.22

4) Less basic rate of tax = £271.65

 

Total Redress = £3140.06

 

To be honest I'm quite happy with the offer but I am happy to listen to peoples thoughts on this.

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We have no way of knowing whether it is right or not.

 

The items they have listed are correct but whether the figures themselves are right is not known.

 

The important thing is that you have done some calculations yourself and their offer appears to agree with the figures you came up with (or thereabouts). Only you can decide whether to accept or not.

 

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OK thanks. The figure that they have supplied for premiums paid is actually quite a bit more than I had worked out based on the statements that they sent me so either they have found the other statements or their average has been worked out differently to mine. Either way this is at the upper end of what I was expecting so I am going to accept to finally put an end to it. Thanks for all your help.

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