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    • Afternoon All - after 3 weeks of silence, this morning I received an email from HMCTS advising that P2G have rejected my claim. Decide whether to proceed Parcel2Go.com has rejected your claim. You need to decide whether to proceed with the claim. You need to respond before 4pm on 25 June 2024. Your claim won’t continue if you don’t respond by then. This is their ‘defence’ Their defence Why they disagree with the claim When choosing a service on the Defendants website, the Claimant chose to book their order with Evri and selected to take out £20 parcel protection which comes with the service. On the first page of the booking process, the Claimant entered the value of £265 for the contents and was offered parcel protection for loss or damages against their goods for £13.99 + VAT. The Claimant selected no, which then produced a pop up which explained 'We strongly recommend that you protect the full value of your item(s).' however, the Claimant still did not take this protection out and instead continued with the booking process. At the end of the booking process, the Claimant was offered this again which was refused and the Claimant continued with the booking by accepting the terms and conditions which re-iterates the information provided in the booking process. The parcel was sent, however, seems to be delayed in transit. The parcel finally started to track again, however, when delivered the parcel was empty with no contents. As such, the claim was re-opened and attempted to be settled for the £20 protection taken out in the booking process. This was refused by the Claimant as they felt they should be paid the full amount of the value entered when booking. Unfortunately, due to the refusal of the parcel protection in the booking process the Defendant is not liable to settle the claim to the value and only to the parcel protection taken out. The Defendant shall rely on the Terms and Conditions of carriage in particular section 9. The Defendant understands that the contents have not be handled with due care and attention, which is not being disputed, however, they are disputing the amount they are liable to. They have requested mediation, I’m sure not least to drag the case out even longer, but I can see no benefit to me in this and so shall reject it. As ever, I’d welcome your thoughts guys. g59   
    • I doubt HMCTS holds any data on whether arrests by AEAs required police assistance.  They couldn't or wouldn't provide data on how many of warrants issued were successfully executed - just the number issued!  In my experience, arrest warrants whether with or without bail are [surprisingly] carried out with little or no fuss.  I think it's about how you treat people - a little respect and courtesy goes a long way. If you treat people badly they will react the same way. Occasions when police are called to assist are not common and, having undertaken or managed many thousands of these over the years, I can only recall a handful of occasions when police assistance was necessary. On one occasion, many years ago, I arrested and transported a man from Hampshire to Bristol prison on a committal warrant. It was just me and he was no problem. I didn't know the Bristol area (pre Sat Nav) and he was kind enough to provide directions - seems he knew the prison.  One young chap on another committal warrant jumped out of his back window and I had to chase him across several garden fences.  When he gave up (we were both knackered) I agreed to drive by his girlfriend's house to say farewell for a while.  I gave them a few moments and he was fine. The most difficult are breach warrants but mainly in locating the defendant as they don't want to go back to prison - can't blame them.  These were always dealt with by the police until the Access to Justice Act transferred responsibility from them to the magistrates' courts. The fact was the police did not actively pursue them and generally only executed them when they arrested someone for something else and found they had a breach warrant outstanding.  Hence the transfer of responsibility.
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Egg and Capital Credit Agency - Do i CCA?


durtydurty
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First time poster long time troll....

 

Long story short, have four credit cards that I am struggling to pay off. Have contacted them all and have set up reduced payments plans etc. Had been paying egg 50 quid a month as part of the arrangement, then get a letter from Capitol Credit Agency acting on behalf of Egg ( part of Egg so the lad on the phone tells me ) Apparently Egg havent got an arrangement in place and want to go through my I and E and set something up. I find it slighty rubbish that Egg 'cant' find the call or have lost my I and E paperwork. What of the following do I do

 

1, Send them the CCA letter and take the bull by the horns and go for it? if so do I send it to Egg or Capitol Credit Agency?

 

2......Erm, what other options do I have?, struggle and pay there agreed figure that they come up with based upon my I and E.

 

Any input now matter how small would be appreciated

 

Thanks in advance

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Hi durty

 

Welcome to CAG.

 

1. you can CCA either. I always CCA the last person to have demanded money for an alleged debt. CCAgencies will then pass this to Egg.

 

2. you could send your own limited I&E with an offer of payment of what you can afford based on them freezing interest and charges. Your affordable offer should really be pro-rate to what you you are paying others.

 

It's your decision though.

 

best wishes

 

vic

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Thanks Vic,

 

If I ask for my agreement and they produce it will that affect my chances of sorting out a payment plan later on with them?

 

If for example my CCA comes back and its not worth the paper its written on then what happens?

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Hi,

 

Have you any idea how many charges have been applied to these cards.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Yes, there are charges you can re-claim, could be worth your while sending a SAR to the origional creditor of each.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks Maroon, and Vic.

 

I appreciate it. I have Albion chasing me for money today. They have an old address ( 2 years out of date in fact ) for me but a current phone number and I only gave them my new address so the bloke couldn't find my account, quoted Data protection and he shouldnt be talking to me etc.

 

I cant seem to find an address for Halifax/Albion to send a CCA request to? Also what relevance is 2007 to the agreement? are they less likely to have the CCA or something of that ilk?

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Albion Collections

 

Dawsons Corner,

50 Cote lane

Leeds

LS28 5ED

 

Albion Debt Collections In House Debt Collectors for Halifax BOS Group which now includes the Sainsbury's Credit Cards.

 

Regarding the pre 2007 CCA, a lot of the older CCAs were/are unenforceable because they do not contain the prescribed terms i.e., APR%, credit limit, repayment terms etc.

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Cheers Scott, out of my four credit cards only one is pre 2007!

 

Sorry for all the questions but what happens to my credit rating if they decide that I dont have to pay them back if the CCA is unenforeablce, does it show that I refused to pay it back?

 

My credit is pretty shot anywho but thought Id ask.

 

Thanks again

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I'm not sure about that one, I take it if they have already defaulted you that will remain.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Haven't CCA requested them yet but they wrote to me today to say my account has been closed and asked me to cut the card up and return it in the pre paid envelope provided. Shame they hadn't provided one so Ill be keeping it then. Numpties!

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  • 2 months later...

Right bit of an update on egg responding to my CCA request. Had a standard letter saying that they have enclosed my agreement and that I should continue to make payments yadda yadda.

 

But the agreemtne they have sent was obviously done on-line as rather than a signature there is a box I have ticked and below it says

 

( This is instead of providing your signature )

 

Almost looks like a screen print off of a PC or something.

 

Are they allowed to have a tock box rather than a signature?

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Are they allowed to have a tock box rather than a signature?

 

If applied for on-line can you remember which year, after Dec 2004 with any online agreements a 'tick' in the box would suffice for a signature.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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