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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • 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    
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Capquest


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I have been in agreement with the aboce for a year. This morning I got a letter from HL Legal stating the following;

 

Capquest Debt Recovery has appointed this firm to act in the above matter, following your failure to respond to their letter dated 17 Nov 09.

I need to settle in full or provide a satisfactory proposal before 11th Jan otherwise it will go to court.

 

What should I do please ?

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Hi Dave

 

Without reading all of your other 46 posts, can you tell us if there is any other history with this lot.

 

ie, CCa'd. Dsar'd, payments amount being paid, reason for stopping payments and any thing else you feel we should know.

 

I know what I would do, but we need to have feedback from others too.

 

Mr

Regards..Mr Worried :)

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Hi Dave

 

This was a citi loan bought by capquest. I got a letter in november 2009 telling me this. I ccad them and all was in order so I have been paying since then. I have a letter from october 2010 stating agreement is in place for 100 per month but am now paying more.

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Hi Dave

 

Okay so you cca'd them did you get it verified on here?

 

If and because it was deemed enforceable you then entered into an AFFORDABLE payment plan?

 

How much have you been paying ? and do you have proof of payment?

 

I dont suppose you recieved the letter H + L say you never responded to?

 

Provide a satisfactory proposal? ( they have one )

 

What is the balance to pay? have you thought about a f+f ?

 

I know what your answers are going to be but I still need to ask the questions. personally I would reduce the payments just to be arsy, but your probs a nicer guy / gal than me, either way I would not loose sleep over this, apart from that ignore and keep making your payments.

 

Mr.

Regards..Mr Worried :)

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so capquest are getting greedy again, simply repsond with

 

Dear greedy sods.

 

you have been recieving x amount a month but due to your demands I have now checked my financial position and I am afraid to tell you that you will be getting £10 a month until my predicament changes, if this is not suitable then I look forward to your attempts to coerce more from me.

 

PS Greed never pays, you should have been happy with what you were getting

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PGH

 

Dave was paying a handsome ammount, yep I'd go for the Arsy approach, fire with fire.

Mr

 

 

 

so capquest are getting greedy again, simply repsond with

 

Dear greedy sods.

 

you have been recieving x amount a month but due to your demands I have now checked my financial position and I am afraid to tell you that you will be getting £10 a month until my predicament changes, if this is not suitable then I look forward to your attempts to coerce more from me.

 

PS Greed never pays, you should have been happy with what you were getting

Regards..Mr Worried :)

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Hi there

I'd go even better than that

I'd say PLEASE let it go to COURT --the amount I'm paying is already too much -- The COURT will probably reduce my payment to a token 1 GBP a month.

 

COURTS actually will give you a better deal and YOU are in charge not CAPQUEST.

 

The whole purpose of these threats is to intimidate people who have never seen CAG and are totally scared of Courts thinking they are akin to standing in the Dock at The Old Bailey.

 

Once you call their bluff you'll find most DCA's are just Wind and Pxxs as the Yorkshire saying goes.

 

Chers

jimbo

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And what i always do, is start of with a reduced offer of say £10 as PGH suggested, then every time they refuse I drop it by another £ until they either get the idea (extremely unlikely) or the yaccept before I reduce my offer to the token payments of £1 a month.

They seem to think that they are in the driving seat somehow? Clearly deluded and immature, and way too greedy for their own selfish good, until they realise that it is not them that call the shots and do the demanding the better, not content with relying on us the general public to bail out the banking industry for giving our money away to people who had no chance of ever being able to pay it back, these imbeciles seem to believe they can demand what they like, well news for them! YOU CAN'T!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Just to summarise.

I did get the CCA verified

I am paying £120 pcm, I have a letter from them dated October 2010 confirmin that I was then paying £100 but it is now £120.

The only letter dated in 2009 that HL refer to is the one informing me that they have taken over the loan.

As with Citi I have never ignore any letters and always kept in touch.

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So have you been receiving statements of account, telling you how much you have paid, the total balance outstanding, and any charges or interest they have applied?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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No I have not had a statement. They took the debt over in November 2009. I thought you had to send a statement every year now, is that true. As far as interest is concerned I just think they have taken the outstanding sum from Citi Financial. What do you suggest I do ?

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