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    • Hi All, I'm looking for help with a P2G claim for another lost parcel. Given the wealth of information on this site, I'm hopeful that this should be an easy one to fix, but want to be sure I have everything. On the 6th March, I contracted with P2G to send a parcel (a £600 Pioneer AVH-Z7200DAB car stereo which is not on either P2G or EVRi's excluded from compensation or prohibited items list) using EVRi, sent it off, and that was the last I heard of it. The EVRi tracking showed that the parcel had made it to the national sorting hub at 2:12 on the 7th, and then vanished. By Friday, I had started to get nervous, and so, raised an enquiry. And then another, and another - well, they weren't responding, and I couldn't get their telephone one to work, I think in all, it was more than 15 enquiries. I also raised an investigation with P2G as well. EVRi closed the enquiry confirming a loss on the 19th March, and P2G near the end, although P2G closed it claiming that I needed to send photos of the parcel as proof - which I didn't have, and I also do not have an account with P2G so couldn't upload anything (I did test, just in case), and this is why despite receiving advice on the EVRi Fb group to send the letter before claim, I haven't yet acted. I have proof of the eBay listing, and the refund, to demonstrate that which was being sent, but P2G's insistence that I have no photographic proof of the parcel with the label - I have the photo of the goods in their box before sending, but this is for the eBay listing, and so does not show it after the fact. This I fear is what P2G will seek to rely on as a defence, hence my 10 week delay on progressing with this. But, I am more than £600 out of pocket for the loss: £600 for the item and £8.04 for the delivery fee, although my claim will actually be for an initial £611.09 to cover the cost of the loss, their delivery fee, and my 1st Class Recorded stamp for the Letter Before Claim to P2G, rising to £681.09 to cover the additional £70 cost of opening the court case if they fail to respond within 14 days. This question mark surrounding P2G's request for photographic evidence, is this likely to cause me a problem? Steve
    • Had a letter response today dated 12/6/24 from PRA Group re request for information consumer credit act 1974. Confirming they are in receipt of my CCA letter request - and that they are requesting the required information. They returned the £1 postal order. And my CCA letter. Stating that they will contact me with an update ASAP. They attached/included a standard ( non personal ) page about ' what they should provide ' and ' what happens If I don't get this information'.    I need to file my defence by 21 June 24. Any suggestions as to what that defence should be ?   
    • Thanks @dx100uk for responding promptly.    To be quite honest with you, applying for breathing space might not really help except some short term relief. I don’t want to default either as I might lose my job too and I cannot really afford it. Sorry for sounding bit stupid but is there something I can do to stop them charging interest and agree on reduced payments? I am working on information that @BankFodderhas requested and will be sharing it later today.  
    • who said send the sb letter to RC anyway? we said the debt owner not the grease monkey.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Advice on how to handle DCA with Settlement Offer


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give them another wek after the dealine.

 

have they cashed the payment?

 

dx

 

Hi,

Thanks for quick reply!

No, the payment hasn't been cashed yet, I'm guessing they will try and stall..but want to pursue this as best as I can (with your help!)

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Go through all the docs provided, check for penalty charges etc.

 

Check for DN and NOAs default date and last payment.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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last payment?

 

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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Last payment I made was this month on 01/11/2012.

 

There's a whole load of papers in the SAR,

mostly memos, letters and their communications they've had with me

but I'm struggling to find anything that might relate to a DN or NoA.

 

Now that I have the SAR I would still like to know how to proceed to try and get a settlement figure from them.

 

Thanks

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Please could you advise on how to proceed?

There's nothing much to go on from the SAR...

There is no Default Notice, also there is no Deed of Assignment.

I had 1804.27 repaid to the account on 3/06/2010 but there is a Charge off amount listed as £3760.10

Ultimately I would like to get some kind of settlement on this account but not sure what to do next...

 

Thanks

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does the account info go back to the pc purchase

how far do the statement go back?

 

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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an sar should give you EVERYTHING they hold on you

not just one account

 

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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Hi,

This SAR must have things missing, as I mentioned before there is no default notice or Deed of Assignment and the documentation definitely doesn't refer to any other account...

I've gone through the whole SAR, please could you advise what I should do next?

 

Thank you very much for all your help

Edited by thx1971
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they don't HAVE to supply a DN

only a record of one was sent

 

and you'll never get to see a deed of asssignment .

 

you mean notice of assignment.

 

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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Hi,

There's no record of a DN being sent, or a Notice of Assignment.

Am I missing something or from what I've said does the SAR sound like it's as it should be?

Also, if possible, please could you advise me on how to proceed as I would like to take this further one way or the other.

 

Thanks

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just re-read the thread

 

i'm a bit lost as to why you need the NOA or DN really....

 

6yrs is a bit of a longtime ago to start waving your arms about in terms of rough justice

 

which this was ofcourse

 

you need to go through that sar and findout how the debt got SO inflated before it got to court.

 

have you the statement leading to this period?

 

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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BRIGADIER2JCS posted for me to check for DN and NOAs default date and last payment, so I did.

 

I agree but I'm not trying to claim rough justice, even though it was like you say

- I've already complained about this case the the Finacial Ombudsman but got nowhere as it had already gone to court.

 

I just want to clear this debt the best way possible and if i could get something back from them as well as a PPI payment then it would be good.

 

Originally i wanted to get a settlement figure from them but they won't give me one unless I provide a financial statement, which I'm not too willing to do.

 

The CCJ will run out in March and I would like to clear this so I can move on with my life.

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ok yep i understand that

and i'm with you on it as posted quite early on

 

this is a process of data mining

 

the CCJ will be gone

paid or not soon.

 

as pointed too already

you paying it now

wont make it go away any quicker

a settled CCJ is a bad as an unsettled one.

 

the game here is to get you as much money back

or

off any settlement.

 

now

 

you need to go through the statements you have.

 

if you need to scan them all up.

 

so we can

 

the disgusting thing is the rise inthe debt

from about £4k to £11k

 

have you go ANY data from HFC beyond 6yrs.

 

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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but nothing for the Org PC loan?

 

did you get the/any agreemrnt copy?

 

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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ok so that agreement should show the outstanding amount for the PC loan?

 

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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sri forget

they must be PDF's

to show sizes

 

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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Share on other sites

+£200 of PENALTY charges

and that PPI refund looks wrong too

 

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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Share on other sites

agreement please

 

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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