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    • I was advised to ignore the paploc by a solicitors who said it was a fishing excercise and to answer them would be removing a big weapon in defeating that of time and demanding information within certain limits. im no lawyer so dont know if that makes sense or does not.
    • We’ve all ignored and I know people who’ve been back for years longer and always ignored and nothing has ever come of it 
    • I received several letters from J&P which were just ignored, but now I've received the same paploc Eve appears to have. As it stands, I'm looking to complete & reply as per the oft-referenced thread #5. After reading a few comments about ignoring and nothing progressing from J&P side, I'm intrigued whether they were just general 'please contact us type letters' or letters of claim/paplocs?  I realise for some it's a personal decision or based on advice, but given advice on here is not to ignore paplocs, what was the reasoning to ignore? 
    • Afternoon All. I have today received a court order requiring me to send them more details before 16:00 on 8 July. A copy of the order is attached, but the relevant paras seem to be: 2 Send all of the documents that are relevant to your case to the court at the above address, also send them to the other side. Both parties must do this. These documents should be placed in date order and should be numbered in the bottom right hand corner. You should include the following documents if available: •       A copy of the contract/agreement •       Relevant correspondence, including text messages and emails  Photographs Before 4pm 08 July 2024 3 Send to the court and send to the other party your own witness statement and also witness statements from anyone who can give relevant evidence about your case. Both parties must do this. A witness statement must •       have the court case number at the top •       start with the witness’ name and address •       it must contain numbered paragraphs and should be typed and double spaced. If not typed, it must be written clearly in block capitals or printed. •       finish with the words “I believe the facts set out above to be true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth”, the date of the statement and the person’s signature. The original statement must be sent to the court and copies must be sent to the other side. Before 4pm 08 July 2024 I'm a little confused by para 7 in the order : Because this order has been made by a Legal Adviser without a hearing, you have the right to request that the decision of the Legal Adviser be reconsidered by a District Judge. Any request must be sent to the court to arrive by 4PM 12 June 2024. The request may be made in your online account, by email or on paper. The request must include an explanation of why the reconsideration is sought. Is this normal? Do I have to do anything with this by 12 June? As ever, many thanks    527MC352-claim-direction-order (anonymised).pdf
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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.

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      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.
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      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 all, have been reading through everything on this thread and can see how easy it is to get bogged down with debt to these payday loan companies! Have been through all the things most people have posted! The only one i found strange was Mr Lender sent me a txt saying "we are pleased to confirm we have settled your account now for £745.50. If you require a reloan etc"??????? They have not taken any money out of my account and I cant understand this txt. Is this a sneaky way of getting me to contact them by phone? any advice greatly appreciated!

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Strange indeed. Maybe it's worth keeping that text in case they get nasty!

 

I was in a payment plan with Mr Lender and have to say they were one of the better ones to deal with when it came to agreeing to a repayment. I owed about £330.00 in total and did have to pay £40 to set it up (which was a set-up fee they include then a payment to begin the payment plan) but everything was fine after that and I never had issues with them when it came to my payment dates.

 

As an aside: I do find it funny that their tag line is "your friend until payday"!

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Have kept the txt (+ others!) in a wee folder! mmmm. all of these guys seem to have the same protocol, some nastier than others. Quikquid involve Gothia - most of them seem fond of Fredrickson tho! Who are the nastiest of the bunch - I have fell into the trap of borrowing more and more until I owe most of my wages out, then when they take the money on payday - I claw it back from them plus a wee bit more! How in hell can I get out of this????? Started when I had to got to scotland urgently because grandad was dying, over a year ago now, and now it seems like my wages completely belong to someone else:dizzy:

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What you have to do is set up an alternative bank account, get your salary paid into that and then start negotiating... the companies like to huff and puff and threaten court but if you have rolled over your loan three or four times its best to put the loans into one pot, try to pay off the smaller ones first and then part pay the bigger ones, its known as snowballing.

 

You need to keep all contact by email as it is easier to have a trail that you tried to negotiated with these companies that way. Email them daily if necessary (after all they do it to you).

 

Halifax Easycash is a good option, you apply online and then have full banking facilities (no chequebook and no overdraft facilities).

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