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    • 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
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand 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 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 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 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
    • In the SAR, I received the original application, lots of computer print outs, yearly statements from 2013 and the new emails regarding my complaint. They sent me a £50 cheque after I chased them for the SAR after the 30 days. They said they was waiting for me to respond to an email (which I never received) before sending the SAR
    • classic P2G. I'm sure dianne and Lesley will pop an email to you at some point.
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Littlewoods direct catalogue debt


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I made £229 of littlewoods direct catalogue purchases in october 2008...that's not including shopping insurance.

 

i got my first [littlewoods direct] 'arrears collection dept' letter in december 2008.

 

in march 2009 i received a letter from littlewoods direct stating they intended to use the 'gone away information network' to determine if i have created an account and have no intention of paying...in otherwords fraud.:-o

*since that letter i heard nothing about that matter*

 

i got my first letter from a debt recovery company [nationwide debt recovery ltd] in april 2009. they threaten court action.

 

the same debt company started threatening a "debt collector" or "agent" coming to my house from may 2009.

 

in june 2009 littlewoods direct sent me a letter with the heading 'default notice'.

are companies allowed to threaten court/agent visits before sending the default notice?

 

by july 2009 te debt had got to £450.01p...because of charges and interest...and has stayed at that amount since then.

 

in sept' 2009 Lowell bought my debt...the legal action and home visit threats continued.

 

in november 2009 Lowell started to threaten getting a CCJ, which could lead to furthur court action, a bailiff or sheriff taking my possesions, a charge against my property, payments being taken from my bank account.

can they do all of that stuff?

 

later in noverber 2009 they passed my account to Hampton's Legal, which Lowell said was thier litigation specialists...Hampton's Legal continued with the same threats.

 

in january 2010 Lowell appointed my account to Red debt collection services.

Red even threatened a petition for bankruptcy 'if the balance exceeds the insolvency threshold of £750'.:!:

what does that mean?

in february they also started the threats of court action or a field agent visit.

 

since june 2010 Lowell appointed my account to Philips Specialist Bailiffs and Debt Recovery Agents.

they will 'commence recovery proceedures' on behalf of Lowell.

since july Philips started threatening debt recovery agents coming to my house.

 

my most recent letter [from Philips] was dated the 8th of september.

 

will Philips really send out an agent? soon?

 

i've not replied to any of these companies about this debt.:|

 

what should i do?

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Hi geri

 

If they send out a debt collector, don't speak to him, just tell him to go away, they have no rights or powers. If he doesn't leave just call the police.

Print this letter, stick it in an envelope, have it near the door to hand to him. http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-.html, if you want you can send them a copy, send it recorded, also write cc: Trading Standards, with the address of your local Trading Standards Office.

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

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I made £229 of littlewoods direct catalogue purchases in october 2008...that's not including shopping insurance.

 

i got my first [littlewoods direct] 'arrears collection dept' letter in december 2008.

 

in march 2009 i received a letter from littlewoods direct stating they intended to use the 'gone away information network' to determine if i have created an account and have no intention of paying...in otherwords fraud.

Well, it wouldn't be fraud, but it would be theft. I don't normally ask, but what happened that made you order stuff and never make one payment? :???:
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Same advice as in your other post regarding additions catalogue. http://www.consumeractiongroup.co.uk/forum/showthread.php?277302-Additions-catalogue-debt(1-Viewing)-nbsp

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

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Am a little confused here.

 

Is this the same debt you have in the other thread under additions catalogue debt - and you got them mixed up.

 

Or are they two different catalogue debts taken out at the same time?

 

If so what was your change in circumstances?

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