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    • Wait until you get a refund from the purchaser before accepting anything else. Please will you post up the text of the email that you received.  Make sure that you look after the text that you received from the purchaser
    • I’ve just received a letter from a debt collection agency called Intrum about an old Halifax credit card debt, they have never been in touch before and the letter says that because I have failed to contact them they are passing on to a company called Resolvecall who specialise in home visits. This debt is from about 14 years ago when I got into some financial trouble, I had a default on file but that dropped off around 4 years ago. Is there anything I can do with this as I don’t really want people coming to my house, thanks in advance? 
    • Just wanted to check if anyone knows, I'm in the process of retrieving the transcript. There was no time frame given in the appeal judges directions, does this mean none applies or is there an unwritten timeframe that applies as a default for these things? 
    • I left a trustpilot review and P2g have emailed me with the obligatory apology and have refunded the postage costs and are will to give £10 extra pre pay as a good will gesture. However,  as i wrote this the Buyer has just txt.me.to say they have received the parcel !  So obviously im now going.to suggest that she pays via Paypal ... I rang her this morning to see if it had arrived but she said she was on holiday and there was someone in her house she would have to contact to see if it had arrived which she obviously has ... So now i know its been delivered i cant go for P2g But i Can accept the exta £10 ...
    • The defendant in this case is Parcel2Go.com Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper via the Defendant's service containing which contained two handmade bespoke wedding trays to a customer with  under  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 The Defendant informed me that the parcel was being returned to me but after waiting three weeks I was informed by the courier 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. The Claimant did not purchase the Defendant's insurance policy as requiring people to pay extra for rights already guaranteed under the consumer rights act 2015 is contrary to section 57 and 72 and therefore unenforceable. The Claimant rejected the Defendant's standard compensation offer. 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.   By failing to ensure the safe delivery of the Claimant's parcel the Defendant breached section 49 of the CRA 2015.   AND THE CLAIMANT CLAIMS £370.00 being the value of the lost goods £xx.xx being the price of shipping and interest pursuant to s69 cca 1984.   See what BF thinks but I think something like this is better. Remember you are suing P2G not evri.
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      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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200 quid oakam loan now 155,369.00!!!


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I'd go for no 3 first, write a letter to Oakham, laying out the evidence (including medical evidence) and ask for them to write the whole lot off. Least they could do in the circumstances.

 

Point out in the letter that they are not behaving responsibly and have pushed the debt way beyond the means of the debtor within a reasonable time frame (and beyond anything that could and OUGHT to be repaid).

 

Firstly though there are plenty of other avenues to explore... including involving CAB, MIND and other outside organisations, not to forget certain MPs who are anti-DCAs

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yes fletch, re a time order, would be asking for interest to be stopped and reversed, and offer payment on a specified realistic/reasonable amount (see the n'debtline link #43), or could even ask for it to be written off? as i said, if all else fails could try. or could try anyway. if J refuses application, then so be it. if J accepts TO offer, then cred must accept.

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Thanks Ford and Citizen B that info on time orders was very interesting , explained something I didn't understand about wording on DN's and could, if used correctly be a very powerful tool to balance the power between creditor and debtor.

Any opinion I give is from personal experience .

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If this went to court it would not be an MCOL claim as they are under £5,000.

 

It would be in the High Court and a heck of a lot of paperwork would have to be done to get it there.

 

MCOL limit is £99,999.99.

 

 

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Sorry Andy, I was thinking of Small Claims, as this is still way over that limit it would be a higher court, invlolving a heck of a lot of work and expense on the part of the claimant to get the claim allowed.

 

(I'm still a bit befuddled at times by my medication).

 

Magistrates Courts can deal with claims up to 300K SG...only complex cases are pushed up to High Court...which this is by no means that....if its not an error.

 

 

Andy

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Personally I don't think you should be contemplating any sort of court application until someone actually asks you for that money. I would definitely be asking the CRA to investigate the balance recorded.

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Just to add to the above - if you are contemplating court action, the rules require you to get in touch with Oakham and give them a chance to resolve the issue first. If you do not get in touch with them that would greatly increase the risk of being ordered to pay Oakham's legal costs. If you are thinking about the FOS, you must give them 8 weeks to resolve your complaint before going to the FOS.

 

For this reason the first step has to be getting in touch with Oakham. If you don't that will delay your ability to solve this through the legal channels. Could still be an interesting newspaper story though.

 

For something uncontroversial like checking what they think is the amount of outstanding loan I personally would just call them. For anything more controversial keep it in writing. It would be best to inform them you are having financial difficulties ASAP and see if they will freeze the interest.

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Hi,

 

Sorry to zombie this thread but there doesn't appear to have been a response from the original poster since.

 

I've had a similar issue with Oakam, if you are still having this issue I've found speaking with Kevin Gunner, who deals with all of the debt clients of Oakam to be very easy.

 

His number is 02088193767 and his email address which he is replying from is [email protected]. He is very straight forward and will get back to you.

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On reflection I do not think the Op should do anything at the moment as they re not chasing and are unlikely to (IMHO)

 

Although I agree with this, I think it needs to be reported to the media. I'd contact Stella Creasy (or maybe your local MP), I am sure she will be very interested to hear from you. If contacting Stella or your local MP then being as bad as Oakhams actions are it may even get a mention during prime ministers questions and therefore straight to all the national press.

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It does need reporting. Think for a sec. Who else are they doing this to and more importantly, who is actually paying it.

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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