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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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    • 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.
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Are Capital 1 contacting customers? ***WON***


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Send in da Bailiffs

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Sorry to butt in here but have read the entire thread with great interest as could be about to start court proceedings with Capital One myself ..... Greg you did amazing!

 

Have you had anything yet?

 

Our claim dates back to 2002 so don't really know what chance we'd have due to the date.

 

Just like you apparently PPI was taken out in the activation call but no evidence provided of this call and no box ticked on the credit agreement.

 

We first complained back in August 2011 and they lost our form (how convenient) - received our final response letter this week.

 

Hubby has hounded the life out of them the past two days and they are re-reviewing our case but I can guess the outcome.

 

Having been sworn at and been cut off 6 times he is not a happy chappy.

 

If we do decide to go to court (have lots of calculations to do first) I will be coming back regularly for help and advice.

 

Well done again. Be great to hear when you get your money back :)

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They have released a cheque and I am waiting for it. Monday is deadline set by them ironically, I expect them to be late and will phone or email on Monday and threaten bailiff's.

My advise is to stop trying to reason with them on the phone they will just waste your time with we will look into it etc.

If they have sent their final response then it is time to start court proceedings. don't worry about the fact it is back to 2002 mine was 2004 so not that different.

they will say its barred due to being over 6 years but this is not true, its 6 years from when you realised there was a mistake in your case this was 2011, I stated 2007 in mine as that is when I was aware the PPI was not part of the service and was actually voluntary.

There is no need to over complicate things in the POC part of the claim, just state the fact that you did not want it, did not ask for it and it was added despite you saying no.

write and ask for a transcript or recording of the phone call and they will write back saying they have nothing.

 

Good luck keep off the phone with them until its their solicitors you are communicating with.

 

One other thing to note is that as a LIP you can claim £18 per hour (I think check thread) costs so make sure you keep a diary of how much time you spend on writing letters and emails etc, if they phone you or you them note these times down too and keep a note of postage costs etc to claim back too.

I claimed over £400 in costs so it does add up.

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Well deadline (set by them in Tomlin) was today and no cheque!!!

Phoned but no answer so message left.

email on the way in a bit.

Can I order Bailiffs now and will it cost me more money, they told me last Tues the cheque had been released!

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T**sers !

 

You'd need to apply for judgment to enforce the order [more bliddy money upfront]........... may be better to send them a stern reminder that unless receipted within 24 hours you'll enforce the terms of the t/o and pursue costs.

 

Gez

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I am writing with regard to the consent order dated 20 February 2012.

The deadline for payment of the settlement and reasonable costs was 21 days from date of order [Para 1 and Para 2 of schedule.]

This was to be paid by 12 March 2012.

If I do not receive the sums agreed by 16 March 2012 I will apply to the court for enforcement of the consent order and seek costs in doing so.

Sound OK?

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Not really, your complaint would be to enforce the order. Bet it turns up later in the week with todays date franked on it though!

 

Send them a statement for the interest accrued whilst in default of the t/o, should p*** them off just enough to make sure its been posted

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Well done Greg

 

Got there eventually.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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  • 5 years later...

Holy thread revival batman!!!!

I received a letter from Capital One today stating " You, or someone acting on your behalf, complained to us previously about our sale of your PPI policy. We rejected the complaint because your policy was not mis-sold.

 

Following a supreme court decision and new rules and guidance from the FCA, you can now make a new type of complaint to us about the sale of your PPI policy.

 

You could now receive some money back if we took a high level of commission on your PPI ploicy but didnt tell you this.............

 

Its free and simple to complain bla bla bla."

 

So its all come from some case law where it was proved that there was an unfair relationship (Plevin v Paragon Personal Finance LTD).

 

Funny that I was also alleging the same for my case which caused it to be re allocated to Fast Track!!!!!

 

So I agreed a payout. does that mean I cannot claim? Does it make it more complicated? should I just fill out the form and see what happens?

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i'd fill it out

but i'm reading in most cases because you already had a payout it excludes you

however I know 2 people that got £1000's out of PPI with cap1 that have been sent an additional cheque regarding plevin without even asking for it..go figure..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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weird eh.

Website takes me to Resolver which states:

 

  • If you have previously made a PPI mis-selling claim and been rejected, then you may be able to make a separate claim under the Plevin ruling.
  • If you have previously had a successful claim for mis-sold PPI and had money returned to you then you are not eligible for another claim.

They say in my letter I was rejected but I was paid out on a Tomlin order but they always said I was not miss sold PPI.

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I think you'd better remind them then.

 

left arm doesn't know what the right tit is doing..

else you could find them trying to reclaim any plevin handout

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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