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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • FTMDave
      LC Asset/Link/Kearns Claim Form #1 - Halifax CC

      By FTMDave · Posted

      Open.
    • jk2054
      MCOL help not being paid for job

      By jk2054 · Posted

      did you submit your directions
    • Lorenz
      MCOL help not being paid for job

      By Lorenz · Posted

      They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • lookinforinfo
      ECP ANPR Lease CAr PCN - MFG Esso Cobham serv station A2 Trunk Road, Cobham DA12 3BH

      By lookinforinfo · Posted

      The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • Badtimes123
      LC Asset/Link/Kearns Claim Form #2 - MBNA CC

      By Badtimes123 · Posted

      They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location

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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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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Getting a DMP - Affected PDL due tomorrow, what should I say?

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the_pit

the_pit

Posted
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I have contacted Step Change (formerly CCCS) to start a DMP, one of the loans involved is an almost £800 with 247 Money Box. (along 7 more) :|

 

The due date is tomorrow, I still haven't received anything from the DMP company and I asked them about this but still no reply.

 

What should I say to them?, I am not gonna pay of course, Step Change says in his web I think that in this cases you should make a payment, even when not full, just to show willingness to pay.. but I don't know.

 

What do you advise?

 

Thanks a lot!

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renegadeimp

renegadeimp

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You need to secure your bank account or at least empty it. Otherwise they will take what they are owed, or strip it clean.

 

You can try and contact them, but if you call them, make sure you record the call. If they say they cant or wont stop the transaction, then they are in violation of their credit licence terms.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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the_pit

the_pit

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Hi thanks for replying, Step Change says they will provide a letter template that I can use and send it to all my creditors informing their involvement.

Also they advised the same about the account (currently is with 0 funds and I have another clean account I am using instead).

Finally they advised me to make a token payment of no more than £5 as a gesture of goodwill, and to make sure I call my bank to avoid them being able to debit further amounts.

 

Does it make sense?

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renegadeimp

renegadeimp

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Yeo. However i would write a letter to the bank and hand it in person to the manager. Get it signed stamped and dated and make sure they give you a copy thats also signed etc.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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the_pit

the_pit

Posted
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Posted

I will do that, do you think I can write only 1 letter to the bank with the list of the PDL companies I want to block, or it should be 1 per company.

 

Yeo. However i would write a letter to the bank and hand it in person to the manager. Get it signed stamped and dated and make sure they give you a copy thats also signed etc.
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renegadeimp

renegadeimp

Posted
Posted
I will do that, do you think I can write only 1 letter to the bank with the list of the PDL companies I want to block, or it should be 1 per company.

 

You only need 1 letter. Tell the bank to cancel and decline any and all transactions to them INCLUDING any cpa's on the account.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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the_pit

the_pit

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Posted

Great, so you say any CPA from any company even if it's not a PDL? I mean, normal companies that have CPA like.. lovefilm.. or whatever?

 

You only need 1 letter. Tell the bank to cancel and decline any and all transactions to them INCLUDING any cpa's on the account.
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renegadeimp

renegadeimp

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No, State the names of the lenders and the merchants, as merchant names can be completely different from the lenders. Tell the bank you want ALL CPA's relating to the named companies cancelled.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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the_pit

the_pit

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Thanks, I had a chat today (proper Web Chat) and they insisted that I should pay.. they offered me to do it in 2 installments, I offered them to do it at £50 per month and they said it wasn't enough. So I paid them £5 today and will see.

They said they could now accept the offer by DMP and they will keep adding charges.. bla bla bla..

 

Anyway... thanks!!

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renegadeimp

renegadeimp

Posted
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It doesnt matter what they consider enough. They get paid whatever your financial circumstances allow.

 

Also tell them that you have explained that you cant afford to repay it, so what would be the point of adding unlawful and unfair charges?

 

Make a full complaint to the OFT. Make sur eyou tell them that they are refusing to take your circumstances into account, and saying that if you dont pay what they demand, they are threatening to add on unlawful charges.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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the_pit

the_pit

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Thanks, but the DM company (Step Change) will start taking care of it very soon, so is it worth to complain anyway or I should wait to see how lucky Step Change is dealing with them?

 

They said exactly this today:

"£50 will not be adequate to freeze your account, considering that the balance is over £700. I need to also make you aware fees and charges will be added to your account until we receive contact from Step Change, this can take several weeks.

There will be a £20 one day late fee, interest added at a rate of 1.2% per day, and you will recieve weekly default letters chargeable at £10 per letter."

 

Sounds excessive isn't it?

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renegadeimp

renegadeimp

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You must tell stepchange everything. That way they can contest any charges on the account and advise as needed. You could contact them and explain what fees and charges they are talking about, as they would all be unlawful apart from a base default fee which is usually £20.

 

The letter charges are unlawful, and i'd love to see them justify 1.2% interest per DAY. To me it sounds like they are trying to threaten or blackmail you into not going with stepchange and to do what they say. As i said before, you MUST get a full complaint in with the OFT about their conduct. If you dont, you are justifying what they are doing.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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