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    • I left a trustpilot review and P2g have emailed me with the obligatory apology and have refunded the postage costs and are will to give £10 extra pre pay as a good will gesture. However,  as i wrote this the Buyer has just txt.me.to say they have received the parcel !  So obviously im now going.to suggest that she pays via Paypal ... I rang her this morning to see if it had arrived but she said she was on holiday and there was someone in her house she would have to contact to see if it had arrived which she obviously has ... So now i know its been delivered i cant go for P2g But i Can accept the exta £10 ...
    • The defendant in this case is Parcel2Go.com Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper via the Defendant's service containing which contained two handmade bespoke wedding trays to a customer with  under  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 The Defendant informed me that the parcel was being returned to me but after waiting three weeks I was informed by the courier 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. The Claimant did not purchase the Defendant's insurance policy as requiring people to pay extra for rights already guaranteed under the consumer rights act 2015 is contrary to section 57 and 72 and therefore unenforceable. The Claimant rejected the Defendant's standard compensation offer. 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.   By failing to ensure the safe delivery of the Claimant's parcel the Defendant breached section 49 of the CRA 2015.   AND THE CLAIMANT CLAIMS £370.00 being the value of the lost goods £xx.xx being the price of shipping and interest pursuant to s69 cca 1984.   See what BF thinks but I think something like this is better. Remember you are suing P2G not evri.
    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
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      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.

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Claiming PPI from Santander/GE Capital


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Still trying ....

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Very amused that Santander, they sent me bits of what I guess are 3 different stock letter pasted together at one point it refers to "policy taken out on 15 July 18 May 1991". When my policy was taken out in August 2002!

 

Thrilled to pay £1.20 for her to agree they had ignored half my letter and that they would look at it again. She was determined that FOS 'was not allowed' to intervene and if FOS wrote to them they would tell them they had no jurisdiction. Love these guys.

 

They have requested I send them my NIC's record as evidence of not being employed when I took out PPI on a Fraser Card Account (formery GE Capital).

 

FLA have not yet returned my call...

 

I just wish I hadn't paid off the account because they sent me a copy of credit agreement and application form and it's filled out completely incorrectly... they should never have given me the card yet alone the PPI!

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  • 2 months later...

congrats!

 

I've just had my 2nd rejection, enc is my original agreement with the account cover boxes crossed out and some waffle about how this is irrelevant because it was sold to me over the phone but guess what.....they don't have a record of this supposed call, thieveS!

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congrats!

 

I've just had my 2nd rejection, enc is my original agreement with the account cover boxes crossed out and some waffle about how this is irrelevant because it was sold to me over the phone but guess what.....they don't have a record of this supposed call, thieveS!

Nearly the same as what happened with us... However they Were caught out by something and i can't say . You really fi have to have proof that They Didn't make that call, even yhough they admit no proof of call .Wish you luck though do not recommend the court route as a strong chance it could go the other way :(

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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millymolly - can you give a bit more info on why you think we shouldnt take it to court as I was strongly considering this option as it seems like it is the only one for me now - I have virtually exhausted everything else. Also if I take it to court - how do I stand regards costs - we have recently had to go on benefits due to my husbands serious illness and really cant afford court fees out of £105 a week.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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I would recommend the FOS (EDIT: not sure if they cover an older policy) , the judges do not want this in their courtroom in all honesty and alot of cases have been lost .

 

Even with what we had I wouldn't do it again. If you have strong evidence that what they say did not take place and I mean strong written or otherwise then it's your word against theirs. Crikes we accused them of fraud and I know it seems I've taken adetour, however had done alot of reading up on PPI cases in court since november.

 

Regarding costs I cannot really advise you , I think with certain benefits the court fee is free and other fees, but I believe if you still wanted to go down that route ask the court who will give you the right advice. if the case was lost I gain cannot be sure as to costs , however believe you would not be exempted. I really don't know sorry :(

 

Try the Fos for some advice anyway. Good luck xxx

Edited by millymollymoo

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi

Tink , are you having any luck with FOS?

As I recall you were ahead of me in the Santander/GE Money pre 2005 PPI process which involves

1. Trying to claim it back from Santander

2. They refuse giving reasons and refer to FLA

3 Go to FLA - I missed this stage out after reading sevral threads

4 Ring FOS they say yes fill in a questionnaire we will claim from underwriter

5. FOS write to underwriter

6 FOS asks you to send FOS questionairre and claim to underwriter

7 Underwriter refuses saying they were not present at the sale and have passed on to Santander, knowing full well they have already given their final response

8. Complain to FOS about underwriter refusal

9. ??????? - No idea what FOS are doing as I have seen several cases dating back to 2009 who were at this stage , but no idea whether there has been any progress beyond this.

 

I am at No 8 and there appear to be many of us at this stage , have you progressed beyond this stage? Is that why you are considering court?

 

Regards

W

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I too am at stage 8 with my complaint, but as my complaint has been with the FOS now since 2009 I am fed up with waiting - that and the fact that we have hit severe financial difficulty with my husband becoming seriously ill and unable to work (possibly for the rest of his life).

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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I do get updates from the FOS every couple of months, but the news doesnt change. Apparently they are considering whether they can bring action against the underwriters and there are a lot of legal implications that they have to consider before they can decide. If they decide to take action, a possible test case will happen and then the floodgates for the rest can open - at least this is how I see it.

 

WFLOSS thank you for your kind comments - when you have no choice but to claim benefits you dont realise just how hard it is going to be. We are struggling (unsuccessfully) to keep our heads above water on just over £100 a week (for both of us!!)

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Tink

They are not rushing in their considerations are they? Plus at the same time they are rasing peoples hopes as they are still accepting new complaints.

Court is an option for you , but I haven't come across anyone that has actually gone to court and won against Santander or GE in a pre 2005 storecard scenario , so it is risky.

 

It looks like you have some other irons in the fire so hopefully something will go your way.

 

Have you any other potential reclaims like late fees as in my experience they settle those quickly albeit they just add 8% , but this may help in your current situation .

Santander and Nat West came back very quickly with offers for me recently.

 

Probably teaching Granny to suck eggs but in my efforts to improve my attitide to money and debt , I have looked at the Money Saving Expert site and there is some interesting stuff on there about earning and saving money. No quick fix but there may be something that could help.

 

Regards

W

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  • 7 months later...
  • 4 weeks later...

Hi I don't know whether this is of help to anybody.

I too got fed up trying to re-claim PPi on a 2003 loan i have with London Mortgage/Acenden I was given same old reasons - not regulated etc. in 2003. I eventuallyturned to FOS (it has been with them about 2 years) I today received a letter saying underwriters have now accepted responsibility and Fos will now look at each case in order they received them .So heres hoping!

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  • 2 years later...

Don't give up, I got paid out eventually after 5 years!

It was much less than I had worked out BUT I got a letter direct from Santander in march to say they were looking at my claim again!

They have made me an offer, which I dont think is enough.

I'm trying to find the interest calculators on this site now to recalculate... anyone around to show me where to find them please?

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End of link 1 below

 

Dx

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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Don't give up, I got paid out eventually after 5 years!

It was much less than I had worked out BUT I got a letter direct from Santander in march to say they were looking at my claim again!

They have made me an offer, which I dont think is enough.

I'm trying to find the interest calculators on this site now to recalculate... anyone around to show me where to find them please?

 

Hi,

I also had a letter from Santander in March saying they are reopening my claim, when I phoned them, they said that they were waiting for new calculators under new guidelines to work out how much the claim would be. Eargerly waiting now, they said prob end of July. Had this card from 1995 to 2004.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Share on other sites

How have they calculated the interest - have they added the interest at the rate you paid, I was paying 29.9% !!

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Hi all.

Glad things are looking better for this one. Been a long time.

Going to get my letter off to Santander.

Could anyone please give me the address that they have been sending their recent correspondence to?

Thanks.

kimberley6

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addresses are in the top posts of each named bank forum

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... 

Link to post
Share on other sites

I've received my offer letter now and I too am disappointed with their calculations, there is no breakdown to show how it has been calculated. Emmtay have you accepted or what are you doing now?

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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