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    • Wow thats incredible. Thank you so much
    • If the purchaser denies having received it then sue P2G. If you simply don't hear anything more from the purchaser then you have the purchaser's name and address – and frankly for £48 I would go ahead and sue. As long as you have good proof of delivery then your chances of success are probably better than 95% and frankly the purchaser would probably put their hands up as they would effectively be being sued for the civil equivalent of theft. I wouldn't let it go if I were you. It would be a good exercise for you and gives you confidence the next time something comes up which is may be much more valuable
    • Thank you again Emmzzi for your insight. Not only did I do the work, but as a maths tutor delivering financial literacy workshops under the Govt Multiply project, the college were paid £400 for each student I recruited, which makes it an even bigger kick in the teeth! I spoke to Citizens Advice Bureau on Friday who advised me to go back to ACAS for advice and assistance, as ACAS are the experts in employment matters. They did also mention small claims court, as being more straightforward and less complex, but surely their solicitor would just contest this and I would lose the £80 court fee? If I did submit a claim through the small claims court, would I just leave the employment tribunal running until the outcome? The deadline for me to submit my schedule of loss is tomorrow, so I will submit today so that they cannot hold me in breach.
    • Ive just checked the tracking again and its actually out for delivery today! Anyway,  I refunded the buyer on Ebay off my own back on the 2nd of June they havent opened a case or anything like that so surely i cant take action against either the buyer or P2G/ Evri can i ? Id hope the buyer would see fit and pay but you know what people are like these days ... Once its delivered I'll send him a polite message asking for payment but i suspect there'll be no reply      
    • Thanks for this update. Let's not if you have any more difficulty – in particular if you have difficulty getting paid back from the purchaser. We can help you either against the parcel delivery courier or against the purchaser
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Seems Halifax want this debt off their books and are not going to repurchase it.

 

The term used to define the legibility of the Ts & Cs is 'Easily Readable'.

 

If 1st Credit are that concerned on legibility personally my next move would be to reject the whole thing as noncompliant.

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Thanks Brig..I dont suppose you could draft me up a little letter about the whole thing being non compliant..? If halifax know its Enforc then why sell it to 1st cred? looks like 1st credit are questioning Halifax and Im questioning 1st cred..

 

Yes certainly will be done over the weekend!

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I also have PPI on this account from 2001 to 2005 ..quite a bit but to late to claim now I think

 

No limit on PPI reclaims I believe.

 

Have you got any details?

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Is PPI the same has Credit card Repayment cover ?

 

Very similar I think also not obligatory so could well be miss sold.

Details PPI payments, amount of payments made?

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NO admission of liability to Halifax they have sold the debt to 1ST Crud so any repayment come to you, nothing to do with 1ST Crud at all.

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So it would start the SB clock?

 

Thanks Brig am about to add it all up ?

 

The actual reclaim process is not my area of expertise I'll put out an SOS for you.

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The first few statements are just print out which say CREDIT CARD REPAYMENT INSURANCE ..INCLUDING INSURANCE PREMIUM TAX ..THE OTHER STATEMENTS LOOK LIKE THE ONES YOU GET THOUGH THE POST THEY ALL SAY CREDIT CARD REPAYMENT COVER...

 

Only about 50/60 £ of IPT the payment protection started in 2001 and I cancelled in 2005 ..so it must be one of the same ,,,Got loads to add up

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put them all in this sheet

put the cards avg APR in cell D 15

 

CISheet v101.xls

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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not got office installed?

 

then you need to download open office

 

when you get the spreadshet working

you'll need to workout the AVERAGE interest rate theyhave charged you over all the years

and enter that in cell D 15

 

not important though

if the card is still active

you could use todays ARP

 

dx

  • Confused 1

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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Have installed and got spread sheet

 

Do I need the account number of the card ..Or the account number for the Repayment cover..how do I add up the interest ? I really dont have a clue :) Is there a letter template to claim back PPI ..?

 

Thanks DX

Edited by babydoll0141917
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read the links below my sig.

 

add up the int details you have

then divide by the number of diff ints you have. gives avg of them.

 

that gives the MONTHLY int rate

you need to covert that to APR.

http://www.stoozing.com/calculator/apr-rate-converter.php

 

then put that in cell d 15.

 

enter each PPI payment individually on the date it happened [date/description/amount - 3 columns]

 

the sheet should do the rest.

 

then fill out the FOS CQ from here

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

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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