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    • Please will you upload the defence in a PDF format document
    • Afternoon All - after 3 weeks of silence, this morning I received an email from HMCTS advising that P2G have rejected my claim. Decide whether to proceed Parcel2Go.com has rejected your claim. You need to decide whether to proceed with the claim. You need to respond before 4pm on 25 June 2024. Your claim won’t continue if you don’t respond by then. This is their ‘defence’ Their defence Why they disagree with the claim When choosing a service on the Defendants website, the Claimant chose to book their order with Evri and selected to take out £20 parcel protection which comes with the service. On the first page of the booking process, the Claimant entered the value of £265 for the contents and was offered parcel protection for loss or damages against their goods for £13.99 + VAT. The Claimant selected no, which then produced a pop up which explained 'We strongly recommend that you protect the full value of your item(s).' however, the Claimant still did not take this protection out and instead continued with the booking process. At the end of the booking process, the Claimant was offered this again which was refused and the Claimant continued with the booking by accepting the terms and conditions which re-iterates the information provided in the booking process. The parcel was sent, however, seems to be delayed in transit. The parcel finally started to track again, however, when delivered the parcel was empty with no contents. As such, the claim was re-opened and attempted to be settled for the £20 protection taken out in the booking process. This was refused by the Claimant as they felt they should be paid the full amount of the value entered when booking. Unfortunately, due to the refusal of the parcel protection in the booking process the Defendant is not liable to settle the claim to the value and only to the parcel protection taken out. The Defendant shall rely on the Terms and Conditions of carriage in particular section 9. The Defendant understands that the contents have not be handled with due care and attention, which is not being disputed, however, they are disputing the amount they are liable to. They have requested mediation, I’m sure not least to drag the case out even longer, but I can see no benefit to me in this and so shall reject it. As ever, I’d welcome your thoughts guys. g59   
    • I doubt HMCTS holds any data on whether arrests by AEAs required police assistance.  They couldn't or wouldn't provide data on how many of warrants issued were successfully executed - just the number issued!  In my experience, arrest warrants whether with or without bail are [surprisingly] carried out with little or no fuss.  I think it's about how you treat people - a little respect and courtesy goes a long way. If you treat people badly they will react the same way. Occasions when police are called to assist are not common and, having undertaken or managed many thousands of these over the years, I can only recall a handful of occasions when police assistance was necessary. On one occasion, many years ago, I arrested and transported a man from Hampshire to Bristol prison on a committal warrant. It was just me and he was no problem. I didn't know the Bristol area (pre Sat Nav) and he was kind enough to provide directions - seems he knew the prison.  One young chap on another committal warrant jumped out of his back window and I had to chase him across several garden fences.  When he gave up (we were both knackered) I agreed to drive by his girlfriend's house to say farewell for a while.  I gave them a few moments and he was fine. The most difficult are breach warrants but mainly in locating the defendant as they don't want to go back to prison - can't blame them.  These were always dealt with by the police until the Access to Justice Act transferred responsibility from them to the magistrates' courts. The fact was the police did not actively pursue them and generally only executed them when they arrested someone for something else and found they had a breach warrant outstanding.  Hence the transfer of responsibility.
    • thats down to mcol making that option available for you to select, you cant force it. typically if there are known processing delays at northants bulk it will be atleast 14 days later if not more.
    • Thanks   Noting the day to apply for default judgement if necessary
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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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      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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24/7 Moneybox


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they offered to set one up for me, but only if I provided them with new bank card no.s , that didn't happen, especially after I found out they raided my account anyway, and a day before the due date at that, despite 6 emails to them, all unanswered. they are crap on the phone too, will only talk if you give them card details. They say my account is now more than it was 7 days ago, despite havin taking £133.83 out , I only borrowed £265 in the first place, I have spoken to CD about them, they have said to ring the FOS and complain, so that's next.

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they offered to set one up for me, but only if I provided them with new bank card no.s , that didn't happen, especially after I found out they raided my account anyway, and a day before the due date at that, despite 6 emails to them, all unanswered. they are crap on the phone too, will only talk if you give them card details. They say my account is now more than it was 7 days ago, despite havin taking £133.83 out , I only borrowed £265 in the first place, I have spoken to CD about them, they have said to ring the FOS and complain, so that's next.

 

Keep us updated how it goes, i not willing to discuss via phone with them but they don't reply to emails.

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I defaulted on a loan of about £290 with 24/7 moneybox. I have tryed emailing them to set up a payment plan to no avail its all gone quiet there end as i have refused to talk to them on the phone how should i deal with it and what are they likely to do?

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hiya darren, you could write them a letter which offers repayment plans, send it recorded delivery so they dont say you never offered repayment xx dont worry about it too much and only pay what you can afford, when you can afford it x

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Received this message from 24/7 moneybox

 

After discussing with my manager we will accept your offer of £60 per month payment plan. Obviously fees will continue until we receive your first payment. But as soon as that is received all fees and charges will be frozen and the balance will be reduced on every payment.

 

Sounds fair to me.

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Oh Darren I feel so much better now, not because you have more than me cos I have other debts too but because other people who understand what I am going through. Have you managed to get them under control. I've changed my bank details and am hopefully going to set up monthly payment plans where they will freeze the interest.

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Some of these companies will insist on taking your card details so they can set up a payment plan. Whatever you do, don't fall for it. If they have access to your card, they can and will

often take whatever they can regardless of any agreement made. My advise is to get a couple of prepaid debit cards which you load just before making any payment.

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Some of these companies will insist on taking your card details so they can set up a payment plan. Whatever you do, don't fall for it. If they have access to your card, they can and will

often take whatever they can regardless of any agreement made. My advise is to get a couple of prepaid debit cards which you load just before making any payment.

 

Yes i have another account and am gonna put money on it as and when i am making payments.

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Oh Darren I feel so much better now, not because you have more than me cos I have other debts too but because other people who understand what I am going through. Have you managed to get them under control. I've changed my bank details and am hopefully going to set up monthly payment plans where they will freeze the interest.

 

well i have only tried and succeeded in setting up plans with 2 so far but 1 of them was 24/7 moneybox who are apparantly one of the harder ones to deal with, they took a while to agree and i had to harrass them with emails but eventually they emailed back with

 

After discussing with my manager we will accept your offer of £60 per month payment plan. Obviously fees will continue until we receive your first payment. But as soon as that is received all fees and charges will be frozen and the balance will be reduced on every payment.

 

Which i think is reasonable, i'm no expert but i'd say don't back down and make sure you don't let them get away with stuff there not allowed too in other words no the laws.

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247 wont answer emails, I asked why not, they said wrong dept, you couldn't make it up, they tried to tell me they took money out on the 5th as agreed, yet I was staring at the screen of my bank saying the 4th, told the guy will send him a screen shot and expect his call in the morning to apologies, any takers on if he'll ring or not?

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247 wont answer emails, I asked why not, they said wrong dept, you couldn't make it up, they tried to tell me they took money out on the 5th as agreed, yet I was staring at the screen of my bank saying the 4th, told the guy will send him a screen shot and expect his call in the morning to apologies, any takers on if he'll ring or not?

 

Whats your situation at present with them if u don't mind me asking

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they took 93, 20 and 20, the 93 was a day early, I borrowed 265, they now say still over 300 , told him he was having a laugh but would make arrangement to pay the rest of what i actually owe. waiting for him to ring today after he sees the proof they took it early .

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Remember, all payday loans are only repaid on the basis of original loan amount plus one months interest. No more. They aren't legally entitled to any more than that. Don't pay them their stupid charges.

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

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The prepaid debit card is a very good idea, that way they cannot get their hands on your income and are satisifed when they have the debit card.

 

I have a strong suspicion that a lot of these companies are offshore based and hiding the money trail, that is why they won't give out their bank details, also some clever person might find a way of getting THEIR money back by using the bank details given out.

 

There needs to be much tougher legislation against this lot, they cannot go mad with charges when your interest rate is already over the odds, and they cannot take money 'at will' without incurring severe penalties (as would happen to us if we did that).

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Remember, all payday loans are only repaid on the basis of original loan amount plus one months interest. No more. They aren't legally entitled to any more than that. Don't pay them their stupid charges.

 

That's good to know, thanks Kitten 1. So glad I joined this forum you are all so helpful, thank you.

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Their terms and conditions are flawed and are NOT UK law, the Unfair Terms and Conditions act comes into play here. UK Statute law takes precedence over terms and conditions where they are flawed. I suggest you read up on other threads on this forum where it has been discussed in depth.

 

Just because it is in the terms and conditions does not make it legal or right or enforceable by law.

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