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    • Please check back later on today for a fuller response and some edits
    • Good morning all, No further communication with P2G so now submitting my small claims action. Would be grateful for any feedback on my description of claim before I submit later. The defendant in this case is Parcel2Go Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper containing two handmade bespoke wedding trays to a customer with tracking number P2Gxxxxxxxx. The parcel was never delivered although the defendant stated that three attempts had been made to deliver the parcel.  The claimants customer waited in for four days to receive the delivery but no delivery was attempted. There was no communication with the claimants customer.  Despite many web chats and emails the parcel was not delivered and on the Parcel2Go website it stated that the customer had refused delivery. This was not true as no delivery had been attempted.  I was informed that the parcel was being returned to me but after waiting three weeks was informed by Evri that the parcel was lost. I was offered compensation of £20 + shipping fee which I refused and after sending Parcel2Go a Letter of claim this was increased to £75 which I also refused. It is clear that the defendant is responsible for the loss of the parcel as they did not act with reasonable care and skill when handling the claimants parcel, contrary to section 49 of the Consumer Rights Act 2015. The claimant therefore seeks £370 in respect to the value of goods plus court costs. I thought it might be better to use the CRA rather than the Supply of Goods and Services Act as we are sole traders - is this correct?
    • No new development, I'm afraid. The last update I received was a letter from the court, advising that the case had been transferred to Croydon County Court.
    • Read how your orgnisation can make opportunities and employment more accessible for disadvantaged young people.View the full article
    • Hi, I am aware there’s been few threads about this already but just wanted to confirm information on my case. I was with Village gym last year(2023) on initial 6 month usual contract they do, I lost my job and due to that I couldn’t afford to pay for gym nor I had any motivation to go to gym at that time so they sent me arc phone message in September 2023 that I owed them £140 so I paid them back on instalments in 2 months time.  Then I started receiving new years deals in December 2023 and I decided to give them a call but they never mentioned anything about 6 month contract or anything, only that it would be monthly rolling contract and I paid them for 2 months and then I realised both months they charged me £59 instead of £38 they offered me on the phone when I mentioned that I am still student, even though before I was paying £43 a month in mid 2023. I spoke to gym entrance lady and she said I should give a call to gym on the phone number so I did and whoever answered said they’ll pass my info to manager and he will give me a call back in 24 hours, of course no one called me back so I called again and they said same thing. And of course once again no one got in touch with me so I got tired of them charging me more than they should and decided to cancel my direct debit and stopped going there as I got new job with rotation shifts which is not good for me as I cannot visit gym after I finish at 10pm every second week.  And now in April I received arc message saying this :  Also they have my old flat address where I used to live. What is the  best thing to do for me please? Thank you!
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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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VERY catalogue debt !


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Hi, i am new to this site and unsure what to do.

 

I really need help with a catalogue debt i have with VERY Ltd.

 

I have been paying this debt for almost 2 years and it still hasnt cleared, infact it has only gone down about £90

from the total balance.

 

I have been issued with numerous charges for late payments, minimum amount payments, letters, etc.. you name it,

yet i had set up a payment option???

Also the amount of interest added is phenomenal.

 

I am unemployed and am at my wits end.

 

I feel as though I am never going to get this payed off.

 

Please help !!!!!!

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Hello and Welcome,

 

Do you have all your statements for this account and when did you take it out.

 

Regards,

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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hi

 

I don't have them all u unfortunately. I have had this account for a few years now but placed the order in feb 2011 for the item related to the current debt.

 

thanks.

 

J

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You would be wise to send a Subject Access Request to them in order to get hold of the statements of account or transaction history.

 

All of those charges for late payment, going over limit etc. etc should be reclaimed together with the interest charges as a result of them.

 

You might find that this clears the debt....it will certainly put a big dent in it.

 

There is a template letter for a SAR in the library, the link to which is at the top of every CAG page in green. Cost is £10 and they will have 40 days to comply.

 

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  • 4 weeks later...

You will need this spreadsheet....complete it in accordance with the instructions on the notes tab

 

CISheet v101.xls

 

When done you will need to write to the lender requiring them to refund the amount per your spreadsheet.

 

It would be wise for you to look around at other threads in the catalogue forum so you can get up to speed on how to progress this.

 

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its a bit more than the total. Am i right in saying that the charges had interest on them according to the spreadsheet? I just copied and pasted a completed spreadsheet and amended it according to my own dates/charges.

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You should now have a spreadsheet with the "Claim to" date set to today, the interest rate set to the rate they were charging you on the account and then a list of all of the late payment charges and other penalty charges.

 

The spreadsheet will show you a figure for the charges, the interest and the total amount.

 

You now need to write to the lender and demand that this be refunded.

 

Enclose a copy of your spreadsheet with the letter.

 

There is a good template here in post #31 which you should amend to suit your particular account. While this template relates to a credit card, the principles are the same for a catalogue account.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**/page2

 

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  • 3 weeks later...

Hi

 

I sent the spreadsheet and letter and the only correspondence I have had back is yet another letter with yet another £12 charge.

 

Also a letter stating that the payment I sent was unacceptable.

(I also sent a letter saying that I would pay them £20 a month for the next 6 months).

 

What do I do now..

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Next step is to send them a 7 day Letter Before Action.

 

Basically the same as the preliminary letter you sent but headed "Letter Before Action" and with a final paragraph to the effect that of they do not refund these charges and interest you will issue in court.

 

Send an updated spreadsheet with the letter.

 

Send it by recorded delivery to their registered office.

 

Only threaten court of you intend to go through with it.

 

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  • 4 weeks later...

Hi,

 

I received a letter from Shop Direct stating that the late payment fees have been justly applied to my account

as I had failed to maintain payments??!!

 

Therefore they are unable to uphold my complaint and refund admin charges and interest charges.

 

If i am not happy with their response I can contact the Financial Ombudsman Service??

 

What do I do next ??

 

In the meantime, I am still getting charges for 'insufficient minimum payment' and as a result my balance is increasing again.

... feel as though i am going round in circles.

 

I am still unemployed and therefore cannot afford what they are wanting per month..

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  • 2 months later...

hi its me again.

 

well I am still receiving interest and charges despite writing a letter to the effect of getting them stopped.

 

Very's reply to the spreadsheet, etc. was that the charges were applied accordingly

and would not wave them, nor the interest,

 

so therefore i am back to square one, with a total amount now nearer £500 !!

 

 

It is affecting my credit rating now and i am just wanting this out of the way..

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how worried are you aboutyou cra file?

 

have they actually defaulted the account yet ?

 

you pay them what you say via your internet banking portal

 

and stick to it.

 

they'll never go near a court.

 

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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