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    • Hi all! I've now had a "final notification letter" through from ECP. I assume I should continue to ignore this, but is there likely any action I need to take? Do you need to see a copy of the letter? Thanks
    • Please will you upload the defence in a PDF format document
    • Afternoon All - after 3 weeks of silence, this morning I received an email from HMCTS advising that P2G have rejected my claim. Decide whether to proceed Parcel2Go.com has rejected your claim. You need to decide whether to proceed with the claim. You need to respond before 4pm on 25 June 2024. Your claim won’t continue if you don’t respond by then. This is their ‘defence’ Their defence Why they disagree with the claim When choosing a service on the Defendants website, the Claimant chose to book their order with Evri and selected to take out £20 parcel protection which comes with the service. On the first page of the booking process, the Claimant entered the value of £265 for the contents and was offered parcel protection for loss or damages against their goods for £13.99 + VAT. The Claimant selected no, which then produced a pop up which explained 'We strongly recommend that you protect the full value of your item(s).' however, the Claimant still did not take this protection out and instead continued with the booking process. At the end of the booking process, the Claimant was offered this again which was refused and the Claimant continued with the booking by accepting the terms and conditions which re-iterates the information provided in the booking process. The parcel was sent, however, seems to be delayed in transit. The parcel finally started to track again, however, when delivered the parcel was empty with no contents. As such, the claim was re-opened and attempted to be settled for the £20 protection taken out in the booking process. This was refused by the Claimant as they felt they should be paid the full amount of the value entered when booking. Unfortunately, due to the refusal of the parcel protection in the booking process the Defendant is not liable to settle the claim to the value and only to the parcel protection taken out. The Defendant shall rely on the Terms and Conditions of carriage in particular section 9. The Defendant understands that the contents have not be handled with due care and attention, which is not being disputed, however, they are disputing the amount they are liable to. They have requested mediation, I’m sure not least to drag the case out even longer, but I can see no benefit to me in this and so shall reject it. As ever, I’d welcome your thoughts guys. g59   
    • I doubt HMCTS holds any data on whether arrests by AEAs required police assistance.  They couldn't or wouldn't provide data on how many of warrants issued were successfully executed - just the number issued!  In my experience, arrest warrants whether with or without bail are [surprisingly] carried out with little or no fuss.  I think it's about how you treat people - a little respect and courtesy goes a long way. If you treat people badly they will react the same way. Occasions when police are called to assist are not common and, having undertaken or managed many thousands of these over the years, I can only recall a handful of occasions when police assistance was necessary. On one occasion, many years ago, I arrested and transported a man from Hampshire to Bristol prison on a committal warrant. It was just me and he was no problem. I didn't know the Bristol area (pre Sat Nav) and he was kind enough to provide directions - seems he knew the prison.  One young chap on another committal warrant jumped out of his back window and I had to chase him across several garden fences.  When he gave up (we were both knackered) I agreed to drive by his girlfriend's house to say farewell for a while.  I gave them a few moments and he was fine. The most difficult are breach warrants but mainly in locating the defendant as they don't want to go back to prison - can't blame them.  These were always dealt with by the police until the Access to Justice Act transferred responsibility from them to the magistrates' courts. The fact was the police did not actively pursue them and generally only executed them when they arrested someone for something else and found they had a breach warrant outstanding.  Hence the transfer of responsibility.
    • thats down to mcol making that option available for you to select, you cant force it. typically if there are known processing delays at northants bulk it will be atleast 14 days later if not more.
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Ge money - Secured loan Fees reclaim - **WON AT COURTS DOOR** now after legal fees


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lol well they would say that,

they do not wish to to go further....

....that is the usual bluster they say about most things...

...they are hoping you will accept that and go away,

for them tis worth the risk,

 

not sure but others with more excperience will be able to make much more effective suggestions....

 

....... I would carry on. and am expecting a similar response from them....

 

..... the DWP pay in arrears and they are nto supposed to charge but they have been doing so for 4 years......

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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if you owed GE money , money

they have 12yrs on a secured loan under the limitations act

 

so thus, the reverse applies

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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if you owed GE money , money

they have 12yrs on a secured loan under the limitations act

 

so thus, the reverse applies

dx

Hi DX, thanks for that, that's what I thought. The letter they sent clearly quotes 6 years statute barred ...... Trying to deceive me further I think, I actually hope it gets to court ... As I would love to show the judge that letter.

 

Is it best to refuse the offer (and state that they've lied to me re satute barred)...... Or just do nothing and wait for them to file a defence?

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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i'd let andyr comment before doing anything further.

 

pers i'd be winding them up

 

but that's me.

 

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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Thanks DX,

 

Hopefully Andy will see this post .....and I'll keep it updated when I've anything new to add.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Have they actually submitted a defence through MCOL jax..? I assume the above is just an informal response?

 

Regards

Andy

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Have they actually submitted a defence through MCOL jax..? I assume the above is just an informal response?

 

Regards

Andy

 

Hi Andy, no defence submitted yet. I have until 4 April to accept their offer of they'll instruct solicitors to prepare defence.

 

I'm not accepting the offer .. It's an insult and we know what the answer would be if I said I'd only pay them 1/5 of what I owed!!!

 

I'm not sure whether to decline the offer or just not respond to their letter at all.

 

Any advice would be greatly appreciated.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Hi DXWhere can I find that the Limitations Act is 12 years for a secured loan/mortgage.I've looked around Section 5, but cannot find anything.Any pointers would be great.TYVM

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Keep your eye on the time line then they have 33 days to submit a defence.

 

 

 

The time limit for an action "upon a speciality" is 12 years: Section 8 Limitation Act 1980. A mortgage deed being under seal is a speciality (Aiken v Stewart Wrightson Members Agency Ltd [1995] 1 WLR 1281).

 

There are however special provisions that apply to mortgages in Section 20:

 

20 (1) No action shall be brought to recover –

 

* (a) any principal*sum of money secured by a mortgage or other charge on property (whether real or personal) .. after the expiration of twelve years from the

* date on which the right to receive the money accrued.

 

* (5) Subject to subsections (6) and (7) below, no action to recover arrears of interest*payable in respect of any sum of money secured by a mortgage or other

* charge or payable in respect of proceeds of the sale of the land, or to recover damages in respect of such arrears shall be brought after the expiration of six

* years from the date on which the interest became due.

 

However, in relation to both sets of provisions, it is important to remember that during the currency of a current period of limitation, time can start running again by reason of an acknowledgement or part payment in accordance with the provisions in sections 29-31 Limitation Act 1980, and it is possible for a period of limitation to be postponed in accordance with the provisions in section 32 Limitation Act 1980.

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Thanks Andy - would you suggest I write to them to refuse the offer, stating the Limitations for the Secured Loan is 12 years and not 6 (as they well know) and stating I feel they are trying to mislead me, or is it best to leave well alone and see if they up the offer or submit a defence within 33 days??

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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You could write and decline the offer to allow them time to better it before they have to submit defence...no harm in that and would be considered civil and would certainly assist if/when costs arise.

 

With regards to forewarning them re limitations periods you are 100% sure that this loan is classed as a mortgage?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Hi Andy, on the loan agreement, next to our address, it states "This Loan will be secured bya legal mortage over the property in the form enclosed with this agreement (the "Mortgage").

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Ah okay better to be sure...so was it a second mortgage ?

 

Its just that limitations do vary on mortgage capital and mortgage interest/arrears/shortfall being 12 or 6 years accordingly.

 

The time limit for an action founded on simple contract is six years (s5).

 

The time limit for an action "upon a specialty" is 12 years (s8). A mortgage deed being under seal is a specialty (Aiken v Stewart Wrightson Members Agency Ltd [1995] 1 WLR 1281).

 

There are however special provisions that apply to mortgages in s20:

20(1) No action shall be brought to recover -

(a) any principal sum of money secured by a mortgage or other charge on property (whether real or personal) .. after the expiration of twelve years from the date on which the right to receive the money accrued.

 

(5) Subject to subsections (6) and (7) below, no action to recover arrears of interest payable in respect of any sum of money secured by a mortgage or other charge or payable in respect of proceeds of the sale of the land, or to recover damages in respect of such arrears shall be brought after the expiration of six years from the date on which the interest became due.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Hi AndyIt's a secured loan/2nd mortage. so would that be 12 years??

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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The letter states basically, if I don't accept, they'll instruct their solicitors to file a defence and apply to the court to strike out the claim.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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IMHO I tend to agree with them IE Statute of Limitation would be 6 years...as you are trying to claim back unfair penalty charges /fees against the capital charge.

12 years is only applicable to mortgage shortfall.

 

See what others think?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Thanks Andy - I'll think over whether to write to them or leave them to file their defence. what is the likelihood of the claim being struck out - and if it is, can that decision be challenged?

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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I view it from this stance initially they offered a 1/6 now a 1/5 so they are trying to avoid defending your claim.How great an impact does the the extra 6 years have on the claim

not taking interest in to account ?

 

If they submit a defence it would appear to be on the Limitations argument ...at this point...they may well add that the charges are in line with the T&Cs of the agreement that you agreed to in accepting the advance along with an application to strike out your claim...so its a bit crystal ball at this stage.

 

So you could end up with nothing subject to how they defend.It may be prudent to try to negotiate a slightly higher figure on their existing offer rather than flatly reject and proceed...once they submit a defence you will have an allocation fee to pay and of course the stress of progressing the claim to which you are not guaranteed a favourable out come.

 

Respond to their offer and show interest ...even if you get it back to the 1/6 it may worth be considering in the long run.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Thanks Andy, there's so much to think about!!!Taking off the extra 6 years would reduce claim by just over £1000.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Yes but I assume that includes interest over 12 years?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Hi - no loan was only originally for 10 years, with one year remaining. So nothing over 12 years, all under 12 years.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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" Taking off the extra 6 years would reduce claim by just over £1000."

 

Net of interest or including interest?

We could do with some help from you.

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The amount plus interest over the 6 years would be approx £1800

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Right well try to look at it from a net point...interest is not always guaranteed in judgments...except for sec 69 interest which is allowed.

 

How would the 1/6 plus 8% look if it could be negotiated?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Hi andy, thank you for all of your help, I've take up a lot of your time this morning. I'll have a look at some figures, but have to go out now so won't be able to post again until tonight.It's just when you think of all the problems they cause, even charging these £40 charges when an agreement is being adhered to -- it makes you just want to claim the lot back - it would make such a difference to the balance of the account to have the charges taken off too. (As it would to no doubt 100s of others in the same situation!!).thank you again.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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