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    • Good morning all, No further communication with P2G so now submitting my small claims action. Would be grateful for any feedback on my description of claim before I submit later. The defendant in this case is Parcel2Go Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper containing two handmade bespoke wedding trays to a customer with tracking number P2Gxxxxxxxx. The parcel was never delivered although the defendant stated that three attempts had been made to deliver the parcel.  The claimants customer waited in for four days to receive the delivery but no delivery was attempted. There was no communication with the claimants customer.  Despite many web chats and emails the parcel was not delivered and on the Parcel2Go website it stated that the customer had refused delivery. This was not true as no delivery had been attempted.  I was informed that the parcel was being returned to me but after waiting three weeks was informed by Evri that the parcel was lost. I was offered compensation of £20 + shipping fee which I refused and after sending Parcel2Go a Letter of claim this was increased to £75 which I also refused. It is clear that the defendant is responsible for the loss of the parcel as they did not act with reasonable care and skill when handling the claimants parcel, contrary to section 49 of the Consumer Rights Act 2015. The claimant therefore seeks £370 in respect to the value of goods plus court costs. I thought it might be better to use the CRA rather than the Supply of Goods and Services Act as we are sole traders - is this correct?
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    • Hi, I am aware there’s been few threads about this already but just wanted to confirm information on my case. I was with Village gym last year(2023) on initial 6 month usual contract they do, I lost my job and due to that I couldn’t afford to pay for gym nor I had any motivation to go to gym at that time so they sent me arc phone message in September 2023 that I owed them £140 so I paid them back on instalments in 2 months time.  Then I started receiving new years deals in December 2023 and I decided to give them a call but they never mentioned anything about 6 month contract or anything, only that it would be monthly rolling contract and I paid them for 2 months and then I realised both months they charged me £59 instead of £38 they offered me on the phone when I mentioned that I am still student, even though before I was paying £43 a month in mid 2023. I spoke to gym entrance lady and she said I should give a call to gym on the phone number so I did and whoever answered said they’ll pass my info to manager and he will give me a call back in 24 hours, of course no one called me back so I called again and they said same thing. And of course once again no one got in touch with me so I got tired of them charging me more than they should and decided to cancel my direct debit and stopped going there as I got new job with rotation shifts which is not good for me as I cannot visit gym after I finish at 10pm every second week.  And now in April I received arc message saying this :  Also they have my old flat address where I used to live. What is the  best thing to do for me please? Thank you!
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Retired and still owe amount on loan: Advice Needed


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Hi,

 

My mother has just retired and i have found out she has an outstanding loan which she was hoping to pay off from her pension. Unfortunately her pension is not even worth it and she has just gone on benefits.

 

Does anyone have any advice as to how I could either look to get the balance written off as she has no income any more. The loan is with Halifax. This is beginning to cause her stress which I would like to avoid getting any worse.

 

Thank you!

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To be able to advise we will need a little more info eg, What type of loan ,how much is it for,

is it in rrears, what is the monthly payment?

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OK how much is outstanding and what are the payments set at?

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The loan balance is approx £10K taken from Halifax and she is currently paying £500 a month but just can not afford to keep these payments up. Off the top of my head I think she still has approx 24 more months left on the loan. This was taken out as a normal loan.

 

Thank you for your help!

 

Hold old is the loan & was there any PPI included + has she had any unfair charges?
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Is she on state pension alone, it may be they will accept lower payments and an extended loan period, is the loan

secured against property?

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Yes she's on a state pension and currently having housing benefit paid as well. She had a conversation with the bank a few weeks bank advising them of her status and trying to see if she could get payments restructured and reduced but they seem to have been quite stern with her and informed that she will need to pay the loan or else they will get debt collectors out to her.

 

The loan is an unsecured loan and she doesn't own any property.

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If they have made that kind of statement you need to report it to the Office of Fair Trading as

they are failing to treat her properly and consider her circumstances and there may be a consideration

of careless lending in consideration of age and future income.

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Are there any templates you think I can use to bring this to both the banks and the OFT's attention. Because this was via telephone conversation I am wary of how they may defend themselves.

 

Would you advice I write to them first asking for them to restructure loan payments based on her retiring, lack of income and see what their response is?

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Yes a formal request to restructure shows a willing to continue payments.

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Do you propose I also include an income and expenditure statement when I send this....or not at this stage?

 

I can draft a letter and share it to get your comments before I send this out, if there are no templates you are aware of that I can use.

 

Thanks,

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No only the court can require you to disclose this information, if it gets that far.

the problem as I see it is there are approx 2 years more at £5oo per month £12.000 is not

going to go away easily, going to be rude now how old is mum?

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The reason for asking is that I have seen one case when retirement income was in sufficient to meet obligations

it was suggested that a return to employment was a solution I guess based on the later ages of retirement

brought in by the last government.

Is mum on state pension only and what would she consider her disposable income to be?

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It is a very delicate situation for you I know, the possibility is if the repayment are totally

beyond her finances if mum owns the property in which she lives the creditor could apply for

a charging order on the property.

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