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    • You probably do need to ignore it, but show it to us just in case. Cover up your name, address and anything that could ID you like your car reg. HB
    • 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.
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Txt loan / my jar


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Hi guys wonder if you could give me some advice!

 

Got a loan out with txt loan bk in 2010 and don't think I paid if bk as I I had over 15 payday loans on the go at any one time!

 

Anyway I got the below email with a couple of attachments

 

Will the default go from when I took out the loan or from the default dat?

 

Default Notice

 

This letter is important – please do not ignore it

 

We have contacted you several times regarding your unpaid loan but have not received payment from you – the balance now stands at £90.00.

 

We are now giving you 14 days’ notice of our intention to register a default against you. The default notice together with an information leaflet issued by the Financial Conduct Authority is attached to this message.

 

Registering a default is the step that we must take before we are able to take legal action against you. You can avoid this by repaying the money you owe or by contacting us and making a repayment arrangement. You must act without delay to prevent the default being registered.

 

You can make repayment

 

Online Log in to your account at www.myjar.com/login using your PIN and registered mobile number and select REPAY NOW

By Text Send a text to 82777 with the words LOAN REPAY from your registered mobile

By Phone Call 020 3006 2000 and select option 1 and follow the simple prompts

Contact us on

 

Phone: 020 3006 2000

Email: [email protected]

Ring Back: text the words Ring Me to 0786 000 4500 and let us know the best time to call you back (standard network rates apply).

Live Chat: Log in to your account and use the Live Chat feature.

 

Our customer service team is available:

Monday-Friday 6:00 AM - 11:00 PM

Saturday 8:00 AM - 6:00 PM

Sunday 9:00 AM - 6:00 PM

 

Yours sincerely

MYJAR

Collections and Recoveries

 

 

 

IMPORTANT - YOU SHOULD READ THIS CAREFULLY

 

Dated: 17/07/2014

 

This is a Default Notice served under section 87(1) of the Consumer Credit Act 1974 in respect of the Running Account Credit Agreement reference number 20215 made between:

 

Under clause 1.14 of the Running Account Credit Agreement you were required to repay the total sum of no later than 09/11/2010.

 

As you have failed to make the repayment amount due on 09/11/2010 you are now in breach of the terms of the Running Account Credit Agreement.

 

As you have failed to make this payment you have incurred late payment charges and the total amount of arrears is now 90.00.

 

Action Required

 

You must now pay the total of the arrears 90.00 to the Company before 31/07/2014.

 

IF YOU PAY THE TOTAL AMOUNT OF THE ARREARS BEFORE 31/07/2014 NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH.

 

IF YOU DO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE 31/07/2014, THEN THE FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU.

 

Further Action

 

The Company will serve notice in writing demanding payment of the outstanding balance. If nothing is received, the Company will bring proceedings against you for the outstanding balance.

 

In your own interests you are strongly urged to contact the Company by telephone on 020 3006 2000 quoting the above customer number if you cannot pay the arrears in full.

 

IF YOU HAVE DIFFICULTY IN PAYING ANY SUM OWING UNDER THE AGREEMENT OR TAKING ANY OTHER ACTION REQUIRED BY THIS NOTICE, YOU CAN APPLY TO THE COURT WHICH MAY MAKE AN ORDER ALLOWING YOU MORE TIME.

 

You should be aware that if we take you to court and get a judgment against you requiring you to pay us the money you owe us under the agreement, you may have to pay us both the amount of the judgment and interest under the agreement on all the sums owed by you at the date of the judgment until you have paid these in full. This means that even if you pay off the whole amount of the judgment, you may still have a further sum to pay.

 

IF YOU ARE NOT SURE WHAT TO DO, YOU SHOULD GET HELP AS SOON AS POSSIBLE. FOR EXAMPLE, YOU SHOULD CONTACT A SOLICITOR, YOUR LOCAL TRADING STANDARDS DEPARTMENT OR YOUR NEAREST CITIZENS' ADVICE BUREAU.

 

This notice should include a copy of the current Financial Conduct Authority information sheet on default. This contains important information about your rights and where to go for support and advice. If it is not included, you should contact us to get one.

 

Yours sincerely

MYJAR

Collections and Recoveries

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If that came by email I am not convinced it will be a valid default notice . In anycase the default should have been registered by mid 2011 at the latest. The problem with challeging the default is you have to be careful not to admit the debt. Something else , on my emails I have it set that no pictures are downloaded without my say so as when the logo or whatever is downloaded often they get a notice to say it has been opened.

 

I am currently arguing with MMF that sending debt collection emails without prior agreement is a breach of the DPA as anyone who has access to my PC could read them. If myjar are members of the CSA , that is in their guidelines as well.

 

I would say your options are to send a prove it letter from the library i.e I know nothing of this debt (maybe edit it to say you did have a loan but it was paid back-do you have online banking going back that far?} or ignore it. My txt loan went to lucas credit services who sent me regular weekly emails which I ignored as I had sent a in writing only letter prior

Any opinion I give is from personal experience .

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Nice of them to throw in unenforceable penalty charges in with the default

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

:D

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Even though its up to a creditor to issue a default, i think some serious questions would be asked why they left it this long to add a default to your credit record. Especially if the action that caused the account to default happened years ago.

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

:D

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I would agree with that . I really would be sending a prove it letter and combining a complaint about adding a default at such a late stage wording it in such a way that you do not admit to the debt

Any opinion I give is from personal experience .

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