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    • Thank you @honeybee13. I will try to write one. I read here that even without the out of court settlement some people  have not received the  criminal record but only a fine. I don't know what to think anymore. 
    • Thanks I appreciate your time How does this sound?   On FRIDAY 29TH May I used your service to send a parcel under the above reference number. The parcel did not arrive at the destination and after several exchanges with your customer service staff, I was told that the item was lost. I was also told that I would not be entitled to full compensation for my items despite having provided you with receipts for these items as I had only opted for the standard £20 compensation. I did not opt for this compensation – as you will know, there is no option to decline this basic cover when scheduling a parcel. Furthermore, it is grossly unfair for a consumer to have to insure against your negligence and contrary to the unfair terms provisions in the Consumer Rights Act. I'm quite sure that you are fully aware that any term you might have in your contract which relies on customers having insurance against your negligent handling of their items causing them to be lost is an unfair term and is unenforceable. I notice that you systematically rely on such terms to deprive your customers of the correct compensation and effectively to protect you from the consequences of your negligent handling of your customers’ sent items. If you force this to a court hearing – you can be certain that I shall be producing evidence from many different sources to show that you systematically lose parcels and decline liability on spurious grounds which are unfair and unenforceable. The contents of my parcel were worth £160. There was also the cost of the postage which was £9.92. The full amount I am claiming is therefore £169.92. You may email me at ____________ in order to arrange this payment. If I do not have reimbursement in full within 14 days then I shall issue a claim in the County Court to recover this money from you plus interest and without any further notice. Yours faithfully _____
    • Hi.   SJP = Single Justice Procedure. Here's some reading for you https://www.gov.uk/single-justice-procedure-notices   If you want to ask for an out of court settlement, you need to deal with TfL. You could write to them if you have a contact name, there are examples of letters in threads here.   HB
    • Hi,  I have sent email requesting information as to why my original email was not actioned. I did have the case number in the subject line on my email.  I only got a letter from registry trust, nothing else from courts or Shoosmiths thanks 
    • @dx100uk  I have received only the charge for this journey.  Sorry for my ignorance but what is a SJP?  the charge has been made at 21 june  2020 but I received this only yesterday. Now they ask me to make my plea and I have 21 days to do so, but I want to try an out of court settlement. There is not any court date on the papers they sent me now though. 
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Dx

Unless done by pm the dates have not been identified with the exception of the oldest one being 10 or 12 years ago. Hence before giving opinion it is vital to know the facts. We don't want to be in the same position as another forum now do we.

Albertz

It is the opening date that is important here not dates of transactions


Any opinion I give is from personal experience .

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Dx

Unless done by pm the dates have not been identified with the exception of the oldest one being 10 or 12 years ago. Hence before giving opinion it is vital to know the facts. We don't want to be in the same position as another forum now do we.

Albertz

It is the opening date that is important here not dates of transactions

 

 

 

appointment with the citizens advice tommorow ,will ask them all about the cca,s aswell...... i guess they will tell me straight what my options are when they see my expenditure and income,will come back and let you guys know what they say.

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They may not agree with the cca requests however getting your debts into a manageable state is the priority.

Imho get the plan set up and running and do the cca requests alongside. That is what i would do if i were in your position. Having said that there is no magic cure and you need to do what works for you

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Any opinion I give is from personal experience .

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just back from citizens advice and

 

 

told me i would not be admissible for the DAS scheme as i have been making minimum payments

and not defaulting, even though i am on the breadline.

 

 

told me to go on their website and pick a financial adviser who will charge a minimum of £75 for advice

"dont have £75 btw".

 

 

told me to tell the wife to try and take up full employment if she can although my son needs her

and the fact that she will lose at least £500-£600 in benefits

 

 

also told me to check that i have not been mis sold ppi but did,nt recommend anyone....

 

 

.. ah well back to the drawing board for me then.

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you don't need to use a claims company

 

 

do it for free from info here

 

 

get those CCA's done.

 

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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yes do it all yourself albertz

 

you will find all the help and info you need on here


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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please delete this post

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lads ,does anyone have a link to a ppi template letter ,i don't know if i have been sold any but had credit cards and loans since the early nineties so there is a good chance.

 

iam going to do the cca as i have found that ,would it matter what order i do it in :/

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You really need to do cca requests as

 

Already discussed

 

And a SAR to each original lender first


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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iam going to do that as well friend,just off the phone to halifax who say i opened that account on 2004 so no cca there,also said after checking that i have never had ppi on any of their products either.buggers.

 

ah well 9 to go...

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Definitely cca request to Halifax

 

Do everything in writing


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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don't use the phone

 

 

send an sar to the original creditor

 

 

you only need ONE SAR if you have multiple cards/loans/accounts with the same 'bank'


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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