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    • Thank you for that i thought id just ask as i was unsure.  Just hope its returned to me and doesnt spend the rest of its life going back and forth to Singapore  
    • Thanks @lolerz. I've attached it to the post. What do you think? What's the organ grinder? NTK.pdf
    • I'm afraid that if the value of the item was under declared then that is probably the best that you can hope for. Also, because the item was incorrectly addressed – even by a single letter, if that because the issue relating to the delivery then that has probably compounded the problem. There is probably very little that can be done. If you are lucky you will get the item back and then you can start again and declare it properly. Undervaluing parcels which are sent by any means is always going to cause a problem if the item is lost or damaged. It may mean that the cost of delivery is slightly less – but at the end of the day the risk becomes yours. When you enter into any kind of contract, effectively you declare it a level of risk to your contracting partner – and they decide to enter into the contract with you based on that level of risk. You have declared a level of risk and £50 – and that's the deal.   Additionally, undervaluing an item which is an internationally has the effect also of evading customs and any VAT system which is in force in that country – and that makes the whole thing a little bit more serious
    • Perfect. Nice and brief and to the point. You don't bother to start telling your life story. Just the way it should be. Send it off. You have probably done enough reading to understand that it won't make any difference don't start drafting your particulars of claim. Open an account with the MoneyClaim County Court system and start preparing. Post your particulars of claim here before you click it off. You may have noticed that at some point you will be asked if you want to go to mediation on this. We used to advise it but now we recommend that you decline mediation and go to trial. Your chances of success are much better than 95%. Going to trial will incur an additional hearing fee but of course you will get that back. However if you go to mediation, they will simply try to penny pinch and to get you to compromise and also they will sign you up to a confidentiality agreement and probably threaten you if you breach it. Not only that, if the mediation fails because you stand your ground, it will add additional delay while they then give you a date to go to trial. The best thing to do is to decline mediation – prepare for court hearing. Pay the extra fee. The chances are that rather than get a judgement against them they will then offer you a full settlement rather than go to court. If they do offer you full settlement then you will be obliged to accept it – but that's what you want. If they don't offer you full settlement then you will go to trial and there will be a judgement against them. Just so that you understand, our first interest is that you get your money back – but a close second is that it does go to trial and there is a judgement which we will then be able to use to help other people. Anyway as you should realise, we will help you all the way.
    • I sent a parcel to Singapore but i spelt the address incorrecltly by 1 letter so the parcel couldnt be delivered and was returned back to the Uk but checking the tracking today the parcel had returned to the UK but is somehow on its way back to Singapore as the tracking says "Item leaving the UK"    Ive spoken ( tweeted) Royal Mail help who confirm that the parcel seems to be going back to Singapore and that if its not " Delivered" by the 29th of April theyll deem it as lost and will accept a claim but i cant remeber when booking what the compensation amount was but i dont think it covers the amount of the item.  As it was my fault that it wasnt delivered in the first place can i trey and claim the full amount back ? i think if i remember correctly it was £50 compensation but the item was £170 So the timeline is thus ...   22nd Of March .    Booked via P2G & dropped off a Post Office.  25th March arrives in Singapore and goes through customs ect ect 26th   Incorrect address and item is flagged as "return to sender" 28th Item leaves Overseas intenational processing centre 15th of April , Item is leaving the Uk (Again)   ?    
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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hi there, i have been really stupid. i have set up a direct debit with apex credit management for £120 per month to pay off a credit card that i had with clydesdale bank. they sold this debt to apex and i have been paying them for about 2 yrs now. every time they phone i have answered and told them my income and outgoings which i know now i shouldnt have done. i havent worked for about 7 years. they take my husdands earnings into account as i dont get any money at all. my husband only works part time and they also take into account child tax credits and working tax credits and child benefits. i am also still banking with the clydesdale bank and still have a current account with £100 overdraft. i dont want them phoning me as my husband doesnt even know about this debt. any help about what i can do about this would be really great. also if i stop paying them then what would happen. many thanks.

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Sounds to me like you should only be paying a token payment. If you are not working and hubby parttime and they are taking benefits as in tax credit and kids money into account then they need putting in their place. You cant afford 120.00 so dont pay it. Do not give your personal finances out to them again you only have to do so to a court, I mean you can give it to dca but look what they did, they are taking what you cant afford.

 

You can pay a dca by standing order which you have control of.

 

The calls can be stopped and until you send the proper form to them by recorded delivery you can refuse to confirm who you are and jsut repeat I only communicate in writing and put the phone down.

 

Please there will be some great helpers come along who can post link to the harassment letter re phone calls for you and more advice.

 

Do not pay a dca by dd, they cant be trusted and as long as you cant afford it stop the dd now. Ring the bank and tell the bank to stop them accessing anything.

 

Make sure you have not given them the long number on a payement card as some dcas set up what is called a cpa continuos payment authority that can only be stopped by cancelling the card. If you have cancel the card and get bank to send new one asap.

 

What you could do in writing is offer them a token payment generally one pound if claiming and relying on benefits or your income and outgoings are a struggle.. You should only be concerned about your rent/morgage, water, council tax and tvlicencse esentials and utitlities and food of course and transport if working etc.....Help will come xx

 

Do you have assets as in own your house and is their any equity, if the answer is no then dont worry. If the answer is yes then advisors will help you how to approach it as they do tend to threaten with statutory demands which again can be fought with help.

 

So chin up, but stop that dd and come back to the thread for further advice from thosemore in the know. Ive just learnt all I know from here but you do improve and learn and start to feel stronger when know your rights.

 

Stop that dd tonight xx

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It does sound that you are paying to much in your circumstances. You say you have been paying for 2 years - have they been sending you statements?

When the debt was sold did they send you a Notice of Assignment?

 

Are you in arears with any household bills such as mortgage/rent, council tax, gas/electric etc?

Have you many more non priority debts, eg loans, c/cards etc. and if so do you make regular payments to them?

 

You mention this Debt collection agencey phones you - how often do they phone? and why do they say they are phoning? best not to speak to them on the phone at all, tell them to contact you in writing only.

 

Sorry its a lot of questions but gives us a better picture of what your circumstances are so as to give you the best advice.

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