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    • @BankFodder the police officer has contacted aviva her response below she has asked  them to hold on the money front      AVIVA have replied and i have requested to put the request for money on hold so fingers crossed this request is accepted.
    • damn!!   start another thread it's war i have an idea what has caused this then   can you copy and paste this text as your 1st post please (was post 1 from the old thread)   ....................................   I am a regular (many years)  P2G user and selected them to use Parcelforce 48 service to send a gazebo I sold on eBay.  Parcelforce 48 have an automatic max £100 compensation for lost items.   Parcelforce lost the item. P2G state the £100 compensation Parcelforce offer within their price, does not get reimbursed to them, so they can't reimburse it to me. However, it would have been reimbursed to me had I used Parcelforce 48 direct, rather than go through P2G.    It seems rather strange that when I pay P2G to buy Parcelforce 48 service on my behalf, they buy a different service which excludes the automatic compensation.   They also lost another £40 parcel (which I did not buy additional insurance for, because it was an excluded item).   They also broke an item prior to delivery (which the addressee rejected as it was clearly a damaged parcel). The thing is, if a parcel is rejected by the addressee, what should they do with the failed delivery?   In this case they threw away the parcel and 'broken' contents rather than return to sender and refuse to compensate me because I (again) did not buy the additional insurance.   I have escalated the rejected claims and they agreed as a gesture of goodwill to reimburse the postage costs for all three items. (I would have expected this as a matter of course) .    Clearly many will consider I should have bought the extra insurance. I often do, but feel the extra costs involved would be greater than the odd loss ( having never had a loss in a couple hundred sendings), I only pay extra on certain items.   I feel a summons coming on, so would be happy to receive any ideas. Even if P2G have a rock solid defence regarding my lack of buying insurance, I still fancy testing their resolve and seeing if they fancy a hearing.      After escalating my claims, they agreed to refund the postage costs only.   I have therefore issue a Notice Before Action for the value of the lost items £180.   Notice Before Action Dear Sir/madam You have lost the following items. 1)      1 2)      2 3)      3   I understand you eventually accepted liability for these lost items and have agreed to reimburse the postage costs but not the values.   You suggest this is due to my failing to take out additional insurance.   I am not prepared to accept your position and shall be issuing a summons on 18th August for £180, should you choose not to reimburse the values allocated to the items you have lost.   In particular: Item 1) This parcel was damaged by your courier and rejected by the addressee. It appears rather than return the parcel and contents to me, your courier decided to throw the item away. Thus the item has become lost, and therefore (due to my not paying extra for insurance against loss), you have chosen not to compensate. Do you seriously expect to ‘lose’ an item on purpose by throwing it away, and then claim it has been lost and therefore not covered?   Item 2) This parcel was lost and I made a claim. During the period of claim, the parcel was found and began to track. Ultimately being delivered (according to an email to the addressee, at 1.41 am 19 July 2020). Clearly the parcel was not delivered at such a time.   You have subsequently suggested delivery was at a different time. Despite these suggestions of proper delivery, you have been unable to prove delivery at all, the addressee has confirmed he has not received the item and you have accepted the item is lost.  I do not accept you can be so careless as to lose an item twice.   When I purchased this sending through P2G, I selected Parcelforce 48 as the courier. This service has a compensation value of up to £100 for loss. This is why I selected them.   It appears however, you chose not to purchase this service from Parcelforce, but an alternative service purporting to be Parcelforce 48, but excluding the standard compensation.  This is not what I had purchased. I do not accept your claim that I should have paid extra for insurance for you to insure, when I had already purchased a service which carried automatic insurance.   Further, the service was supposed to be a 48 hour service. The parcel was not collected within the 48 hour period, let alone delivered within it.  I consider the delays in ensuring delivery within the expected timeframe would have contributed to the loss of this item. I hold you responsible for the loss.   Item 3) This item was also subject to a claim for loss. During your investigations, this item was also found and started to track. Messages advising  "Enquiry resolved", "INT Hold" and "Out for delivery”, suggest the item had eventually been found.   I do not accept you can be so careless as to find a lost item and subsequently lose it again, regardless of whether I had purchased additional insured.   Indeed, the option to purchase such insurance was not available as the item appears to have been excluded from such insurance.   Yours faithfully      
    • Lowell? Payday Loans? Byekkkkkkkkkkkkkkkkkkk - Thats not been seen before...
    • posts copied over  try posting here now it's war.   dx  
    • Well they have the formal phone complaint logged which is good. I have tried couple different apps, but it seems that apple is blocking the recordings and I am unable to make recordings.
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lowell joined 3 debts [2 mobile, 1 credit card]made me BK, now want my house!!


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Wendy boats with update

 

Got phone call from the solicitor that did not phone me yesterday at 4pm today and after giving her info she tells me i can not get the bankruptcy overturned as i lost my appeal !

 

All she wanted and advised me to do was work out a sum to please the Trustee to stop sale of my house !

 

She said its impossible to undo this mess now !!

 

I am scared to death now that their is no one who can help me ! :behindsofa:

 

IF ANYONE CAN GIVE ME THE NAME OF A SOLICITORS THAT DOSE LEGAL AID CASES OR NO WIN NO FEE WHO DEALS IN THIS KIND OF CASE PLEASE, PLEASE LET ME KNOW :pray2: XX

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I don't think CAG allows law firms to be recommended. You'll need to call the Law Society or Google some local firms maybe.

 

Law firms don't do 'no win no fee' on debt claims and in any event I'm afraid your case would be too big a risk anyway.

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I don't think CAG allows law firms to be recommended. You'll need to call the Law Society or Google some local firms maybe.

 

Law firms don't do 'no win no fee' on debt claims and in any event I'm afraid your case would be too big a risk anyway.

 

Thank,s fore your input:sad:

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I can understand how stressed you may be, wait for The Mould to get back to you.

That way when you do speak to a solicitor/barrister etc you might be able to offer/suggest a defence, their answers should give you an idea of how competent they are in this area of law.

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I can understand how stressed you may be, wait for The Mould to get back to you.

That way when you do speak to a solicitor/barrister etc you might be able to offer/suggest a defence, their answers should give you an idea of how competent they are in this area of law.

 

Wooks001

 

Thank you for your uplifting comments, comments like these are greatly received:| x

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AS always i've gone over papers i have got from solicitors, and i realised that it shows that they say i was sent what i assume to be notice of assignment(welcome letter)from Lowell one but i thought i had to have one from CAPONE notice of assignment too?

 

And which one if this is the case should have come first? Or would they be sent together?

 

I've noticed from court papers the two mobile phones have different assignment dates as to the ones LOWELL state in their welcome letters but only by a few days.

 

And i can not get my head round the fact CAPONE show no correspondence with me for the whole year i was paying minimal payment via DD?

They never told me i was not covering payments to keep me from gaining fees on a monthly basis for nearly two years!!

 

Yet found the post box to apparently send me two default letters two months in a row?? :nono: Wendyboats is :suspicious:

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OK going to get my head down in half an hour and tomorrow i intend to contact as many solicitors as i can and see if any have got the knowledge and grit to take this case on !

 

I WILL BEG,PLEAD,CONVINCE,AND OVERWHELM THEM THAT THE TRUTH MUST OUT...................I AM A FIGHTER AND A BELIEVER THAT SOMETIMES YOU HAVE TO KEEP ON GOING IN WHAT YOU BELIEVE IN AND MAYBE JUST MAYBE SOMEONE WILL LISTEN !

 

:help: I SHALL NOT GIVE IN, UNTIL THE NASTY TRUSTEE FINALLY SINGS !:madgrin:XX

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I'd still give it a couple of days for advice, be as patient as you can. Law is very very complex and you need an expert

.

It might also be worth employing a Barrister rather than a Solicitor, I used one years ago for another matter and it was £500 fixed fee. Some place in Leeds but I can't remember the details.

Can't say as I know much about law but I'd explore all options/costs and take my time.

 

Don't know if this idea is worth exploring or if you have the time.., but how about contacting your local CC and seeing if there are any similar cases going on. I think you can sit in and listen as a member of public, but I could be wrong. Just a chance a good solicitor etc might turn up, or suggest a colleague.

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Thank you Wooks001,

 

Some good ideas to consider and i need as many of them as possible right now!

 

I am this morning very low, i have just taken my Grandson to school in his new uniform and new class and i struggled not to start crying he has been through so much this past year but has settled well living with his Nanny.

 

I JUST CAN NOT BARE THE THOUGHT OF HIM GOING INTO SOCIAL FOSTER CARE IF THEY TAKE OUR HOME :hurt: XX

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Obviously you want to keep your home and I don't know the details, but why would he have to, no reason why you can't rent somewhere to live.

Local council/Housing Associations would help, and in your circumstances with a child to look after you should get priority.

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I would hope that would be the case, but one of the reasons would be that it fits in with his needs , like his school and family members being nearby, and getting it near where he lives now, and in a time frame that the trustee allows! Social services are a funny bunch and their ideas are not the same, they will look at this situation as him not being secure and that he may need to go into community foster care with a secure home?

 

She has just emailed me and given me till the 1st of October then she is seeking sale ! xx

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Just done a quick search for local housing associations in Wales where I live, found one who represent over 70 housing associations and 153,000 properties.

There are bound to be similar organisations where you live, how about giving one a ring for peace of mind.

I know social services can be a funny bunch but if you have an offer of alternative accomodation from an association, it is secure. Not like a private landlord who can sell at any time.

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THANK YOU Wooks001

 

I'm always amazed at you guys on here who take time to advise me:typing:and post on my Thread xx

 

I will do that and i might also go to council and let them know situation and what they can or can not do for us.

 

Wendyboats thanks you all xx

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I have just viewed Origina.....l CAPONE CREDIT AGREEMENT ON another thread and its the same one i signed in 2006 so the one they used in evidence is a fake !!!

 

The plot thickens xx

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Thank you Wooks001,

 

Some good ideas to consider and i need as many of them as possible right now!

 

I am this morning very low, i have just taken my Grandson to school in his new uniform and new class and i struggled not to start crying he has been through so much this past year but has settled well living with his Nanny.

 

I JUST CAN NOT BARE THE THOUGHT OF HIM GOING INTO SOCIAL FOSTER CARE IF THEY TAKE OUR HOME :hurt: XX

 

 

 

It is unlikely you will lose your house if there is a young child living there.

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It is unlikely you will lose your house if there is a young child living there.

 

I wondered when someone would pick up on that......:wink:

We could do with some help from you.

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have not told you about my request to CAPONE recorded delivery i don't think and apologies if i have.

 

I sent off to claim PPI refund and i received a reply but via Trustee with her letter attached it said she had received 3 days after i posted request?

 

CAPONE said they did not owe me a refund as i ticked the box?

 

Also i applied on internet and they sent the web page.

 

Trustee say i have 22 days to respond if i don't agree otherwise she will consider the clam closed and not negotiable?

 

Then i noticed CAPONE letter is stamped in black bold ink 29 JULY 2012 ?

 

Is this legal and true ???

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I forgot to ad it reads as its to her not me, and i notice Trustee has added her name and address and new date, as text is diffrent from the rest of the letter.

 

What do you make of that ????????????

 

:suspicious: xx

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Thank for advice how do i provide a link to your thread x

 

I do not have threads Wendy I am one of the Site Team.

 

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 OTHERS

 

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I forgot to ad it reads as its to her not me, and i notice Trustee has added her name and address and new date, as text is diffrent from the rest of the letter.

 

What do you make of that ????????????

 

:suspicious: xx

 

 

 

Nothing wrong with that, the trustee acts on your behalf.

 

If there is any PPI reclaimed it would form part of your bankruptcy and be taken by the trustee.

 

Google bankruptcy trustees etc so you can stop worrying about what the trustee should/should not be doing.

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I knew that thank you Ganymede,

 

But i thought if a debt was caused by mis sold PPI IT SHOULD have been looked into at start ? And i asked her to do that in september 2012 and she made out she did not have information on and never told me she had looked into it for over a year, it just seemed strange to withhold info then send it in the guys that its a reply to my letter dated july 23rd 2013 ?, how do i know her letter to me is CAPONE original reply to me when she got it over a year ago? and i only posted my letter as advised by the governing body 3 days befor she states she got the letter as dated on it? but black date stamp says july 2012 ??

 

I have looked on PPI claims site and it states i am eligible for a claim? Perhaps i should contact governing body to look into it ?

 

:| Regards Wendyboats x

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If you contact the FOS about the PPI claim, they should be able to confirm. Because the debt has been to a court, the FOS might not want to get involved, but I think the PPI issue is separate from the debt, as the court did not consider any PPI claim issue, therefore the FOS can handle your complaint.

 

I suspect that when you applied originally the PPI box was already ticked as being required as the default setting. It was not a choice that you had considered i.e product that you wanted to buy. Therefore I would think that you have a valid PPI claim.

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 OTHERS

 

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