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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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mkdp ŕefuseing to take default notice off credit file


mjaynemarie
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I have been sent a letter from them saying I owe them money

 

I have sent them a sar with a pound postal

 

they have replied saying it is ten pounds for a sar

 

are they right and

 

also does the 14 day time limit still stand

 

or does the clock star again

 

if I have to send another postal order Thank you for your help mjaynemarie

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Thank you for your help it was a sar letter she sent so she has to send another nine pounds ! That is what they asked for in the letter they sent back to us does that mean the time limit for them to answer by starts from the day they receive the letter ?

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whats the debt all about please

 

is this on your credit file?

 

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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Never SAR a DCA, they hold such limited data that your tenner will will pay for a couple of A4 sheets if your lucky, always SAR the Original Creditor.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Sorry for the late reply

 

it is for my wife and

 

I we had a bank account and loan with HSBC !

 

We started having problems paying the loan and

 

went in to the branch to sort it out before we missed any payments on the loan

 

The guy said we can't set anything up because you are not in arrears yet

 

The next thing we found out was they took the loan payment out of our account taking us overdrawn

which they charged us £28.00 for going overdrawn and then charged us for not having enough money in our account to pay the loan

 

This all happened in 2008

 

we tried closing the account but HSBC said we could not close it

 

we opened an account with Yorkshire Bank

 

.we wrote lots of letters to HSBC to sort things out but they ignored us ?

 

Then we started getting letters from different dca companies.

 

HSBC had put the loan in with our account

 

In other words they put the loan and the bank account into one account

 

.surely the cannot do that without our say so

 

mkdp have sent the letter to my wife ñot me

 

.it was a joint account and a joint loan account .

 

my wife has sent a letter to them and asked for a signed credit agreement and

 

I think they will have problems getting it.

 

I have been with cag around four years

 

I had a blood clot on my brain in September last year's which caused me to have a stroke

it has left me with a lot of memory loss and I am still recovering .

 

I am very forget full so sometimes I forget what I have written

 

thanks for your help

 

I will make a donation mjaynemarie

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Sorry to hear about your illness and thanks for getting back and filling in some details.

 

I would SAR HSBC sending the £10 and CCA mkdp with the £1 for starters and then see what turns up.

 

There are wiser souls on here who can advise about the putting together of accounts but IMHO its wrong.

 

NM

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right so this is one of their famous managed loans

 

where by they merged a debt covered by the CCA

with a debt that wasn't.

 

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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I was going to post a link

 

but its better you read for yourself

 

use the search of our grey top toolbar on the right

 

type in

 

managed loan

 

and go do some reading up.

 

they don't stand a chance

 

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 months later...

the fact that they can't come up with a signed credit agreement, doesn't mean that you don't owe them the money, it just means that they can't use legal means to recover it from you

 

The default will stay on her credit file for 6 years, there's not much you can do about that

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Sorry Colin but that's not entirely correct

 

Recent case law in the COA means if they don't have an enforceable agreement they need to remove the Default or face action for damages

 

Lack of any signed agreement (particularly if the agreement was signed Pre April 2007)would give rise to such a claim

 

See Grace v Black Horse

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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is this the HSBC one of your previous thread please

 

 

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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Share on other sites

what info where?

 

 

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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Sorry dx

 

i put some more information on it must have gone astray !

 

I have had a quick read of grace vs black horse and it is very interesting

 

could you tell me if hsbc acted properly when we went into the branch in 2008

 

they said they could not help us until we missed any payments ?

 

Then when we missed payments they took payments out by direct debit

 

then claimed non payment fees

 

hey did that for 8 months and

 

pt charging to our account which we had closed in june

 

then put a default on the account in april 2009?

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I've merged an old thread withthis one

as I think its the same issue

 

 

go read from post 1 please and confirm it is the 'managed loan'

 

 

or what the actual account on your cra file is listed as ?

 

 

then we can get moving.

 

 

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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right sorry to persist

so they merged the loan and the bank account you said earlier

but you indicated it was a balance ofboth in the current account

 

 

now its showing as a loan on the credit file with the merged balance

and under MKDP as the owner

 

 

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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Yes thats right total amount is the loan and overdraft and interest and charges hsbc kèpt taking the loan out of our closed current account then adding charges on i think mkďp have brought it from hsbc not sure sorry not to be of more help dx

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that's great

 

 

the credit file should show the owner now.

 

 

it might be your target is HSBC for the default

as I suspect they defaulted before sale.

 

 

there's a lot of threads on these appalling managed loans by HSBC here with good info.

 

 

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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Yes hsbc applied the default in 2009 when they wanted to do they applied a lot of charges by takeing the payments on the loan out of our joint bank account that we closed in june 2008 which should make it statued barred surely crafty buggers thanks dx if you find out any more please let me no cheers mjaynemarie

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