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    • 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
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

Toothfairy Finance accuse me of Fraud


Gabi18
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Hello sillygirl1,

thank you for your response. I have already sent all of them "doorstep visit letter" and it was quite long time ago. I've just done it again trough their websites - the only way you can send them online. Also in a moment I'm going to post office and send again letters to all of them - "doorstep visit letter".

Thank you for all of your advice. I have been reading about problems with those people on this forum for a long time so I know I'm not the only one.

The same CCCS told me when I called them (I'm doing my dmp with them).

Sillygirl1, I know from what I was reading that actually what you owe PDLcompanies is the loan + 1 month interest. Could you please advise me in that matter? I gave to CCCS the outstanding balances of PDL on the base they sent me which means the balances are much more higer than loan+1month interest as all of PDL put charges etc on my accounts.

Could I calculate on my own the new balances on the base loan+1month interest and update CCCS with what would come up after my calculations? Can they ask me how it possible that balances decreased?

I have already paid some money to all of my creditors through dmp (since January 2011).

Could suggest or advice anything please?

Thank you for reading that.

Gabi18

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I was just trying to help.

 

Site Team are aware - what nonsense.

 

I mentioned OFT as well (since someone offered me that sound advice on my post about a company in the same business). So I mention the OFT I am a troll, you mention it and you are ....???

 

It's a forum for helping people.

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Gabi

 

If you have any of these PDL loans with the CCCS you MUST deal with them yourself. CCCS only want payments, they are partially funded by the finance industry and do not have your best interest at heart. Pro-rating debt is not always the best way to deal with things.

 

You need to believe that the CCA Act provides for short term loans under varying sections and that you only ever owe the original loan amount and one months interest as that is in the initial contract, even when the initial contract is rolled over that is still what is stated. They are relying on your ignorance to rack up charge after charge and interest on interest on an already high interest rate short term loan. I am not explaining this any more as it has already gone into in great detail.

 

As long as you control the companies and the repayments you make you can prove to a court you have made provision for other debt you have, you have acted responsibly in ensuring their debt receives equal priority with other unsecured lending, secured lending takes priority, and you have allowed enough of your income for other regular outgoings there should be little problem.

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Thank you, sillygirl1. I was thinking i could pay off one PDL a month - whatever is left to pay them (loan+1month) - and then remove from CCCS list of my creditors. I don't know whether this is a good idea. I just want to get rid off PDL quicker than with CCCS.

Sorry to bother you but I've got one more question regarding doorstep visit I had from MHB. I thought I could send a text to that number the agent gave me and say that I do not wish any visits unless the appointment has been made with me and if he comes again I will call the police. Is it a good idea? Maybe I should call that agent and tell him on the phone. I'm really worried as I share house with people who don't know about my problems and I don't want them to know.

Thank you.

gabi18

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Send him a text stating you do not want home visits and send an email to Toothfairy and NDR as well. Do not phone him as he will bully and intimidate you. They are not allowed to charge £100 for these visits, nor charge 'file referral fees' etc so if you have been charged then report them.

 

Report each breach of the OFT Guidelines as an individual offence, reminding the OFT of the sanctions they already have placed on this bunch of jokers.

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Gabi thanks for the update.

This news is quite disturbing and shows that they are not taking you seriously,or that of their duties.

Will put something together for you.

 

As regards the others posting on this thread-can we please stick to the matters in hand-it is of no benefit to Gabi to have some of the comments posted here which we have seen.

Posting rules are clear.

If anyone has concerns then the proper way to do this is by reporting it to the site team.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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iaintw,

 

Posts are usually unapproved for a number of reasons.

In many cases,the reason for this is due to content in the posts being unsubstantiated,or else there has not been the means to validate what has been posted without further proof being volunteered.

 

So the latest post is again being unapproved until you can give more substance and proof of what you are saying.

Please forward this to the site team via the black report triangle.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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just pm me i will tell you about it

Iaintw is a registered customer services official/profit Protection staff/supermarket worker and who deals with customers

Buying laptops with advice etc

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Please feel free to pm me then.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hello Everybody,

A bit of update. It's been TWO WEEKS since I sent out my letter to The Evil Trio: TTF/NDR/MHB asking them to provide me with some proof of their accusation. Well, I haven't heard anything from them in that matter. But I do still receive their usual emails once or twice a day.

Last week they sent a ground collector to my house but I wasn't at home when he came. He left a letter in open (!!!) envelope. Was written down on it: URGENT! and my name.In letter he left his name and phone number to contact him. I did. I just sent him a text where I used http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

from the Library. Also I sent out letters to TTF/NDR/MHB (first class+certificate of postage) with the same template, also

 

and also I sent them the other one with request of removal my phone numbers from their database:

 

I spoke to CCCS again telling them that I haven't had anything from TTF about "fraud issue". They said it happens sometimes when the creditor is one of those nasty ones. Also they told to sort of ignore their emails and text (texts not any more, I've changed number).

By the way: the last balance I saw was £1,700 on the loan of £400. I've paid already about £200.Only in a week time the balance went up from £1,307 to £1,700.

Thank you for reading my posts and also for all advice I was given by you Guys!

Gabi18

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By the way: the last balance I saw was £1,700 on the loan of £400. I've paid already about £200.Only in a week time the balance went up from £1,307 to £1,700.

 

Sorry I offer no help, but just had to say I am disgusted at the punishment you receive for actually paying your debts off!

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Those ever increasing numbers are part of their scare you into paying mindgames,

quote from one of their usual emails,

If there are insufficient funds in the account the payment might fail and all charges will IMMEDIATELY become due, ALL back dated interest, penalty fees will be charged.

Recovery Agents will be sent to all addresses we have on file for you in order to obtain payment. Should this also prove unsuccessful we will be liaising with solicitors who will obtain a County Court Judgement against you. Once this is secured we will return with a Warrant of Execution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe.

 

It's just their usual way to pressure people into paying quicker by saying the amount will go up even further.

 

But no matter what they threaten with, keep offering them what you really owe them (original loan amount + one month interest - any payments made) until they eventually accept.

 

In case the doorstep collector turns up again, do not let him in under any circumstances, unless its all been through Court and found in their favour then it won't be a real Bailiff.

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  • 2 weeks later...

Good morning everyone:)

I have not heard anything from TTF/NDR/MHB regarding their accusation of fraud. They didn't reply to my letter sent about 3 weeks ago. I only received their normal emails and texts.

Does it make sense to do anything about their unfair accusation?

Gabi18

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Personally I'd ignore their threatening letters which appear to be alleging fraud, however if you call them everything is OK. As a regulated company they have a duty to report any fraud to the appropriate authorities and within the guidelines of their licence. I'd suggest you ignore the letters/emails and continue to pay what you can afford. Block their email address from your email account, these companies while may help people with short terms cash flow issues should be banned.

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I would report them to Consumer Direct since they are failing in their responsibilities as a Consumer Credit licence holder to deal with you fairly and respond to your communications.

 

You might also consider a complaint to the FOS.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Continue to keep everything together also as evidence with a paper trail.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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i support her too what she is doing to them

i delete the post for you!

Edited by iaintw

Iaintw is a registered customer services official/profit Protection staff/supermarket worker and who deals with customers

Buying laptops with advice etc

ISP Moderator and chat room helper for chats

Aviationist and train advice

Credit references and bank helper advice

Loss Protection (civil recovery)

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Ian if you read through all the thread you will see that she has continued to receive support,and includes being reminded to save all the supporting evidence.

Posts or content are not removed without reason-as has been outlined already.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hello Everybody,

A bit of update. Nothing from The Evil Trio regarding my letter.

But today NDR sent me exactly the same as one month ago email with accusation of fraud.

Over the last month I was getting from them their normal threatening emails and text. They also sent to my home a ground collector. I spoke with CCCS (they are doing my dmp) about that situation.

What do you think? Is there any possibility that one day somebody(government,the other financial body) who can make decision will do something about TTF/NDR/MBH?How is it possible that this company can still act in that way?

Thank you for all your response.

gabi18

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gabi have you keeping the all letters from yourself? if you do its a good idea to get trading standards in I hated this toothfairly acted unfairly.

I got a idea for you

 

send a letter to oft (office fair trading),

send a letter to fsa

send a letter to trading standards

with all your letters to them.

 

If toothfairly not responding to your emails their also broken the credit cousumer act and failed to respond.

Iaintw is a registered customer services official/profit Protection staff/supermarket worker and who deals with customers

Buying laptops with advice etc

ISP Moderator and chat room helper for chats

Aviationist and train advice

Credit references and bank helper advice

Loss Protection (civil recovery)

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I have outlined the next course of action to Gabi and am helping to put things together that should see a speedy end to things highlighted.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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