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    • 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.
    • Thanks   Noting the day to apply for default judgement if necessary
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Ge home money lending - charges reclaiming


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Sorry DX, I don't understand:oops:

 

Thank-you The O R, I will go through it all with a fine tooth comb. Thank-you DX but what do you mean by post 23 refers? Sorry, I know I am slow but it is medical, That's how I ended up with this mess.:oops:

 

Desperate, are you sorted now with understanding what you can and cannot claim back ?

 

Unfortunately some posts were removed (irrelevant and duplicated) in order to keep the thread moving and tidy so the numbering sequence became muddled.

 

Just yell if you have any questions :)

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Thank-you for your kind words Fd&o.

 

 

I think they have been charging me £40 each month because I haven't been able to meet the shortfall of the amount they require.

 

 

I feel so embarrassed that I am so stupid,

and that I don't know what's been going on all this time.

 

 

I am even a bimbo with the computer!!:oops:

 

 

I stumbled across this forum by mistake!

 

 

How lucky I was!:-D

 

Sorry that I havent replied to you. You are not stupid, things happen, and its not easy trying to fnd a way out. Many on this forum will tell you that. there is also a wealth of knowledge on this forum that is invaluable. keep your chin up. Things will come good xx

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  • 2 weeks later...

Hi FD&o thank-you for your kind words.

 

 

Hi citizen B, thank-you too.

 

 

Sorry I haven't been on here, lost my internet for a while.

No I am not sure what I can re-claim,

 

 

when I try to click on the link (admin lewis) just brings up the main forum list.

 

 

Very nice of neighbour to donate this computer to me but didn't come with idiot instructions!!

 

 

Just about find my way back to this forum.

 

 

I have downloaded the sheet and entered the missing payments and here it is.

 

 

(hopefully)

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Hi D&F,

 

Clicking on our CAG admin link won't help you as it refers to Admin at CAG !

 

You should be looking to include on your spreadsheet any admin fees that you were charged such as :-

 

Late Payment

Missed Payment

Bounced or Returned Payment

Visit Charges

 

Can you identify these from the data that you have.

 

:-)

We could do with some help from you

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those missing payments need to be put into a formal complaint to your bank?

if you never got the moneyback or off your mortgage?

 

 

where did they go?

 

 

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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Hi everyone!

 

 

I am so sincerely sorry for this late reply, but

 

 

everytime I leave here I have MAJOR problems coming back!

 

 

It's definately my fault I know,

 

 

but it takes me ages to log in and keep changing and re-setting my password!

 

 

Sorry:oops: Thank-you slick 132, that is very helpful.

 

 

I will list it all but not sure what I am entitled to as I haven't always met their full payment requirement,

and I have noticed that on many occasions, they have only notified me of the increase on my mortgage for 2 accounts, NOT 3,

hence when I have paid them, I still haven't met their monthly quota.

 

 

Do I list for the past 12 years as DX100 says?

 

 

That would mean going back to 2002,

they have only supplied me with documents from 2004.

 

 

DX 100, thank-you so much for your patience.

 

 

I have a paying-in book, not a bank account.

 

 

I think they may have possibly changed their account details and therefore not applied these payments to my account

however, everytime I made a payment at the bank I always asked for them to confirm the account was GE

and that my reference number was put on that payment.

The tillers always confirmed these points with me. I have stamped ( by the bank) receipts to confirm these payments with payment dates on.

Edited by Desperate and frightened
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Think I may be actually mastering this!:-D It only took 3 attempts to log in, and 2 to get here!! Lost internet connection earlier but will work on what you've given me, thank-you so much, and will be back in a couple days, hopefully with a final spreadsheet! Sincerely, thanks to everyone. I would be lost without you all.:oops:

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Hi D&F,

 

Even if you failed to make a payment when required, any penalty or admin fee charged as a consequence should be reclaimed as an unlawful penalty charge.

 

List on a spreadsheet all the penalty charges you have data for.

 

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We could do with some help from you

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Thank-you Slick.

 

 

I have received a load of gumph from them today showing what they require for early settlement by end Dec.

 

 

Shall I just ignore it and let the term continue till end of Feb?

 

 

I am going through the figures and I have noticed there is Interest and ADDITIONAL interest in places.

Do I list the additional interest too???

 

Also on the spreadsheet,

it asks for the interest rate but I don't know what the interest rates should be?????

 

-I have noticed there is 'solicitor interim legal fees', does this go on the spreadsheet too?

 

- There is over £2000 under 'Transfer MIS- Misc adjustment.

Does anyone know what this is this??

Also 'transfer to s/a E JCD compou??

- There are also default notice charges. Are these re-claimable??

Edited by Desperate and frightened
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Hi D&F,

 

There are, I hope, folk around that are more knowledgeable about GE cases. However, ..............

 

Default notice charges should be reclaimed on your spreadsheet.

 

If you're using a compound interest spready, use the interest rate used by GE on the a/c.

 

I don't know about the "Transfer MIS- Misc adjustment" entries.

 

Hopefully, others will comment ...........

 

:-)

We could do with some help from you

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post 17

lists the stuff

 

 

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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  • 4 weeks later...

Sorry I haven't been back, got the flu despite having the jab!

 

 

I have been through the statements and

have a list of their interest rates at various times.

 

 

Do I list everything on seperate spread sheets depending on what the interest rate was for that time

or do I list everthing on one spreadsheet at their highest interest rate??

 

DX, I have looked at post 17,

there is no link I don't understand what you mean that it's listed in post 17???

Sorry not very savvy with computer use or jargon.

 

I have some letters confirming that they are applying a charge to my account for solicitors fees,

but I can't remember the times that I have been to court or those that they started litigation then stopped.

 

 

Can I check this somewhere.???

ps. Happy New Year everyone

Edited by Desperate and frightened
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you could use an avg int rate.

 

 

those fees listed in post 17 are what you can reclaim.

 

 

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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Hi, I have done the spreadsheets from May 2004 because they have only issued me with data since then.

 

 

Do I request a list of charges from them for Jan 2003 to may 2004?

 

I also haven't included any charges they may have applied since supplying the SAR.

 

Finally, there is one spreadsheet just with solicitors charges

which I haven't put on the main spreadsheets because I don't know if any of these are reclaimable.

 

Can someone please advise me, and tell me what I should do next??

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why have you done 11 spreadsheets?

 

 

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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the apr needs to be the avg of all the yearly interest rates not the monthly one.

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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convert your avg monthly int rate to yearly apr

 

 

http://www.stoozing.com/calculator/apr-rate-converter.php

 

 

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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you cannot reclaim sols fees IF they have taken you to court around that time

 

 

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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12!! I didn't know how to calculate the interest rate:oops: Sorry:oops:

How do I convert the monthly interest rate into yearly apr??

Sorry I have now seen the link but how do I do this??

Here are a list of Interest charges that they have supplied, 26/3/1990=0.5000%,

19/7/04=0.5492%, 16/8/04=0.5700%, 17/8/06=0.5908%, 16/11/06=0.6117%,

13/1/07=0.6325%, 12/5/07=0.6533%, 6/7/07=0.6742%, 20/9/07=0.7450%,

1/12/07=0.7033%, 1/3/09=0.6617%, and nothing after that date. Please can you give me step by step instructions:oops:

Edited by Desperate and frightened
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Hi D&F,

 

I would use just one spready for all the charges over the years. Do not enter the solicitor charges on it for now.

 

The spreadsheets all show a very low interest rate - perhaps the monthly rate. You need to enter the APR on the spreadsheet to get the right figures. use an average figure as previously suggested by DX.

 

:-)

We could do with some help from you

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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add all those interest rates together

 

 

then divide that figure by the number of interest rates you added together

 

 

that will tell your the AVG monthly in rate

 

 

then goto that site

and convert it to APR.

 

 

put that in the int rate into cell d 15 of ONE BLANK [new] COPY of the CISHEET

 

 

then enter EVERY CHARGE on the shett no matter when from

ignore sols fees

 

 

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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Thank-you Dx.

 

 

Does this look right to you?

 

 

1) 6.8971

 

 

2) divided by 11 = 0.627009

 

 

3) converted to APR =7.79% compounded, 7.53% not compounded.

 

What interest rate do I apply to the spreadsheet compounded or not compounded and what is cell d.15???

Edited by Desperate and frightened
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