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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.

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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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Lending Stream taking money -


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We had a loan with lending streak for £300 we cancelled our card and tried to reach an agreement but they wouldnt reach a fair one, now theyve took £1000 out my account and I dont know what to do cause now im £1000 over my overdraft...

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Have you been in contact with your bank - they maybe able to reverse the transaction once 'cleared'Think you also should make a formal complaint to the company (in writing to the Middlesex address because we know they like to ignore emails...lol) with the view you'll esculate to the BCCA (British Cheque and Credit Association) and FOS (Financial Ombudsman)Just being nosey personally, did they try and get you to communicate with Resolution Recoveries when you say they wouldn't be reasonable about a repayment plan?

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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How did they get £1,000 out of your account if you have cancelled your card ?

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Hi

 

It's where some smart person at a bank while has issued a new card, but failed to close and or block the originating one before - sadly I've known it happen before...

 

A move that can happen on just a 'cancelled' card - eg. one that is not reported as stolen maybe?

 

Bank can also be reported to the FOS I think - again they would also have to be complained to first

 

£1000.00 does seem excessive and a lucky hit... would like to see Lending Stream talk their way out of it if true or payment does go through as my first point of call would have been the bank!

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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I have no idea how they took it out of the account when we have definitely cancelled the last card, My partner was at placement all yesterday so she couldnt ring up but ill get her to ring lloyds tonight.. what do you think the chances of getting this back are?

 

oh and by the way it wasnt £1000 in one lump it was

 

£534.50

£434.50

£25.00

£25.00

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Good if you get on this now and have also kept any paperwork (emails you've sent etc)Please do not delay and be firm with the bank and this company - I seriously think their in the wrong. Have you been in touch with LS?

Edited by asmilecostsnothing

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Also did you have more then the one loan with them?I think a lot of people get caught out because this is an up to 6 month product and I hear they allow you to take more then one loan at a timeTheir also members of the BCCA (their trade association) but you could only go to them if have formally complained first to Lending Stream

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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@lendingstream: Have you received permission from the site admin to post as a company repressentative, as per the forum rules:

 

 

5.4 If a Commercial Company, or Business, wishes to post on the forum in a representative capacity, we ask that they first seek permission from site administration (admin@consumeractiongrou p.co.uk). Failure to do so may result in posts being removed without notice whilst investigations are made to ascertain whether the user is acting with the full authorisation of the company or business concerned. Usernames highlighted in green have gone through this process.
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Poor attempt Lending Stream you know why people are recommended to stay of the telephone in these situations.

 

Dealing in writing allow facts to be properly discussed, records made and gives clear answers which can be referred back to not later denied.

 

I really wish the efforts to sit on these forums would be mirrored with actually getting back to debtors consistantly now wouldn't that be making progress..!!!

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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How do Lloyds know it's in Lendingstream terms and conditions?

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Lloyds said they cant do nothing to help because its in there terms and conditions (lending Streams) to go into your account and take money..

 

Im really stuck im -£1000 I got rent car insurance and got to get to uni what am I meant to do?

 

Any Suggestions?

 

Was the money taken out within your agreed overdraft? Your first post indicates that this took you £1000 over your overdraft limit, if this is the case I would be asking questions again with LLoyds.

 

How can money be taken if it's not there in the first place or within your limit?

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Im a student my overdraft is £1500 Im now £2500 overdrawn..

 

Then the bank are at fault in my opinion.

 

I would be inclined to open an account elsewhere and tell Lloyds that they will get no money back apart from your agreed overdraft and no more as they have put you in an impossible position!

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I too have been hit with this today. Some advice would be really appreciated. They hit me for two amounts of £25 and £390ish, I do not have an overdraft and had only £27 in the account. There is no way I can afford to pay this at the moment, and lending stream were aware I was not in a position to pay. I went to see the bank this morning who basically told me there was nothing could be done. This has the potential to ruin my Christmas. I note also that they took the money from a card that was reported lost in July, but Lloyds still allowed it, im really worried here, please help.

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If you had only £27 in the account and have no overdraft facility then the amount of £390 they tried to take should have been declined

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Hi,

Thanks so much for replying, Lloyds said that because I have already authorised them to take payments, I have to take it up with them and they are not responsible, even from a "cancelled" card.

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If you had only £27 in the account and have no overdraft facility then the amount of £390 they tried to take should have been declined

 

But this is what they have done to the OP but to the tune of £1000 over their overdraft limit!

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Boxich says he does not have an overdraft

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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