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    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
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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 that clears things up then.

 

if they are ignoring your legal request for a copy of the docs THEY MUST HOLD

 

to demand payment

 

you ignore them and stop payments.as you've alreay sent the failure notice twice

 

dx

 

 

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

:-x Right - I finally tracked down the amount for the original loan which was taken out October 2002 - it wasfor 19k.

 

24 payments of £399, totalling £9581, were made before my husband went to payplan.

 

He has since made payments of just over 10k - you do the maths.

 

I am furious with them - not only have they ignored all my requests for a CCA and passed me over to their lackeys - they insist he still owes them 6.5k!!!

 

It's the same account - I checked the numbers.

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interest? interest should usually stop when it goes to collections. payplan should've ensured that.

consider doing a sar as well.

bls are loyds inhouse collectors, ie are part of loyds.

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  • 5 weeks later...

Ok - they have sent a statement which is hugely inaccurate.

 

1) It lists all payments made from Oct 2004 - Sept 2005.

2) It states we made no payments from Oct 2005 - Feb 2006

3) It states we made a payment of £209.90 in March 2006, none in April and one in may 2006 of £314.85

4) It states we made no payments in June and JUly 2006

5) It then says we made payments by DD of £399.22 fr0m Aug 2006 - Feb 2007 which bounced ( we had no such DD set up)

5) We have been charged interest of approx £100 pcm - and even when we did make payments of £104 pcm the overall amount outstanding increasde rather than decreased.

 

They have been adding interest at a phenomenal rate instead of freezing it like Payplan had said they would do.

At this rate we will never pay them back.

 

Anyway, we have made payments of £9895.26 on an outstanding amount of £12,912.81 which leaves a balance of £3017.55 and NOT ^the nearly 7k they claim we owe.

 

I have SAR'd them and will collect documents tomorrow - but I am furious at the way they are trying to fleece us.

 

Oh and the statement ends in Feb 2007 - eh?!

 

What do I do about the interest they have charged?

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well lets get the info first.......

 

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... 

Link to post
Share on other sites

What do I do about the interest they have charged?

 

 

where there are evidenced financial difficulties, interest/charges should cease (Lending Code for eg). as you were in a dmp via payplan (obvious difficulties) that should've happened. complain to payplan and loyds? see what comes back re the sar. in any event when a matter goes out to collection loyds usually stop contractual interest anyway.

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Ok - I have the SAR and it is exactly as I have laid out above. There is a signed copy of the agreement so we have to pay it which is fine However,I dispute the amount. Can anyone help me structure a letter to get to the bottom of this?

 

Thanks

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so when was you actual 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... 

Link to post
Share on other sites

didn't know you were paying this?

 

so how are you paying now?

 

through payplan?

 

when did this start?

 

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

Paying through payplan since Oct 2004 - came into some money ( mine not my husband's) last summer and offered a F&F. They refused and that' when I started to dig and found out all this. I am prepared to apy what my husband owes, but not the amount they claim we owe because it is wildly incorrect.

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No - we stopped paying payplan last August.

 

We have settled 2 debt, had one written off;

one hasn't responded to any of our letters;

 

Arden are being are difficult and we are trying to pay LLoyds and negotiate a F&F but they are being difficult and won't even negotiate.

 

This particualr debt is incorrect on the amount they say we owe them.

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ok, maybe could, if required,

 

also get all info from/query payplan re payments,

case management, etc (maybe some of those 'unknown' payments were made by them) in prep re a complaint.

 

maybe a sar to payplan may not be needed if they are amenable?

 

have a look at Lending Code, also the oft guides re debt collection and irresponsible lending, and dmc guides, etc ready to cite?

 

have you checked your credit files?

what does that say, any default?

see what dx says

arden?

is it now with them?

Edited by Ford
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I have all the info from Payplan and thus proof of payments made that they said we didn't make.

 

They have charged a load of interest though since my husband went to payplan until they decided to hand over the debt to their collections dept in 2007.

 

Loan was defaulted ages ago - due to come off this year I believe.

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ok full circle to post 2

 

has anyone returned an enforceable CCA?

 

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... 

Link to post
Share on other sites

after bls (their in house) will be either; sent out externally for collection (likely), sold (maybe), or legal action (s/b last resort). in either case, any interest is v likely to be stopped from then.

but, as said, they should've frozen prior.

Edited by Ford
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my point is that they have it wrong because of this

 

1) It lists all payments made from Oct 2004 - Sept 2005.

2) It states we made no payments from Oct 2005 - Feb 2006

3) It states we made a payment of £209.90 in March 2006, none in April and one in may 2006 of £314.85

4) It states we made no payments in June and JUly 2006

5) It then says we made payments by DD of £399.22 fr0m Aug 2006 - Feb 2007 which bounced ( we had no such DD set up)

5) We have been charged interest of approx £100 pcm - and even when we did make payments of £104 pcm the overall amount outstanding increasde rather than decreased.

 

Anyway, we have made payments of £9895.26 on an outstanding amount of £12,912.81 which leaves a balance of £3017.55 and NOT nearly the 7k they claim we owe.

 

I don't want this to be sold, or to be taken to court - what I want is to pay what I owe - and owe fairly. How do I go about getting them to look again at their figures? If I write a letter is there any point copying to banking ombudsman; OFT and any other relevant parties?

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