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    • Please check back later on today for a fuller response and some edits
    • Good morning all, No further communication with P2G so now submitting my small claims action. Would be grateful for any feedback on my description of claim before I submit later. The defendant in this case is Parcel2Go Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper containing two handmade bespoke wedding trays to a customer with 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 informed that the parcel was being returned to me but after waiting three weeks was informed by Evri 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. 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. The claimant therefore seeks £370 in respect to the value of goods plus court costs. I thought it might be better to use the CRA rather than the Supply of Goods and Services Act as we are sole traders - is this correct?
    • No new development, I'm afraid. The last update I received was a letter from the court, advising that the case had been transferred to Croydon County Court.
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    • Hi, I am aware there’s been few threads about this already but just wanted to confirm information on my case. I was with Village gym last year(2023) on initial 6 month usual contract they do, I lost my job and due to that I couldn’t afford to pay for gym nor I had any motivation to go to gym at that time so they sent me arc phone message in September 2023 that I owed them £140 so I paid them back on instalments in 2 months time.  Then I started receiving new years deals in December 2023 and I decided to give them a call but they never mentioned anything about 6 month contract or anything, only that it would be monthly rolling contract and I paid them for 2 months and then I realised both months they charged me £59 instead of £38 they offered me on the phone when I mentioned that I am still student, even though before I was paying £43 a month in mid 2023. I spoke to gym entrance lady and she said I should give a call to gym on the phone number so I did and whoever answered said they’ll pass my info to manager and he will give me a call back in 24 hours, of course no one called me back so I called again and they said same thing. And of course once again no one got in touch with me so I got tired of them charging me more than they should and decided to cancel my direct debit and stopped going there as I got new job with rotation shifts which is not good for me as I cannot visit gym after I finish at 10pm every second week.  And now in April I received arc message saying this :  Also they have my old flat address where I used to live. What is the  best thing to do for me please? Thank you!
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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.
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unknown ccj as guarantor for car finance - advice please


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Hiya asking some advice

 

- I have a ccj on my credit report that was registered In Jan 2015.

 

It was for car hire purchase that my ex husband took out and kindly added me onto it as a guarantor without my knowledge.

 

The original debt drops off my credit file in august this year and the ccj will be 6 years old in Jan 2016.

 

Do I carry on and leave it until it drops off or do I contact the court

and get it removed as I never received paperwork for it as I never knew that debt was taken out and my name used for it.

 

Thanks

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were you living where you are now

when the loan was taken out?

 

 

who got the CCJ?

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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No I have moved a few times. I think the ccj is registered against us both but as I'm not with him and haven't spoken to him since 2010 then I wouldn't know. It is showing I am financially linked to him

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well the CCJ will go from your CRA file in jan 2016

if it was registered jan 2010

 

 

I cant really see what you could achieve in 8mts

 

 

you didn't inform the creditor of a change of address

so you cant use the wrong address reason

 

 

and even if you did/could

you'd need a defence to you not owing the money

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 didn't inform the creditor as I wasn't aware I was even part of the credit agreement - all I knew was that it came out via dd from the joint account we had at the time. It was an abusive relationship and i tried to cease contact as much as I could so when I discovered this I had no contact details for him. It's just affecting my life as I'm wanting to move house as expecting my second child but will instantly fail all letting agent checks

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It was for car hire purchase that my ex husband took out and kindly added me onto it as a guarantor without my knowledge.

 

How is that possible....did you sign as guarantor?

We could do with some help from you.

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Well as already stated it will drop off in 8 months.....you should have fought it in 2010.You could inform the CRAs and Registry Trust that the CCJ was a fraudulent credit application by your ex and have it marked on the files as same.Not really worth the expense and time and stress for another 8 months.

We could do with some help from you.

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The debt is joint and several...so if they know were you ex resides he will be the first port of call.......If you contact the creditor and explain then they will know were you reside....the Judgment creditor has 6 years to enforce (execute) the CCJ so they have 8 months remaining to action this...then they will need permission of the court.

 

I assume you have never requested a copy of the agreement pursuant to section 79 as then they would know your whereabouts ?

We could do with some help from you.

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I did think about requesting it

 

 

but again like you say they would know my current address

 

 

although I'm sure if they wanted to they could find me.

 

 

Does the ccj drop off the register that the court holds as well after 6 years?

 

 

Thanks

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Unless set aside or cancelled, a judgment remains on the Register for a period of six years from its registration date.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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