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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • robertobaggio
      soccersixes chasing owed money

      By robertobaggio · Posted

      Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • sprouting
      Prosecution witness in criminal court case.

      By sprouting · Posted

      Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • Baz1994
      Quidie Ltd T/A Fernovo Payday Loan Irresponsible Lending Offer

      By Baz1994 · Posted

      A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • UsedCarMan
      Lowell/Shoes SPC Claim Forfar Sheriff Court - Old Newday Credit Card.

      By UsedCarMan · Posted

      Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
    • redcandle2
      Alliance ANPR NTK - overstay - Padstow Harbour Car Park

      By redcandle2 · Posted

      Thanks a lot.  I did read every single post and though the process was fairly clear at a high level, I just wanted to be sure in the areas a posted. Call it first time nerves, going down this route.  Thanks again.

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

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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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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Payday loan depression

richard123
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richard123

richard123

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Well there's a turn up for the books!

 

Still in shock at them not even putting up a fight. What annoyed me slightly was the goodwill gesture bit. No one writes off a substantial amount of money as a gesture of goodwill. Obviously know they messed up.

 

 

Starting to feel a lot more optimistic now, as always will update when I hear more.

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richard123

richard123

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Only getting around to the CCA etc now.

 

Again contacted P2P who said ARC Europe own the alleged debt. ARC Europe say they don't buy debts. Am I right in thinking P2P haven't sold this debt and are trying to threaten me by saying they have? I can't communicate with them any further as they say they won't speak to me as ARC now have the debt.

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Bazooka Boo

Bazooka Boo

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I can't communicate with them any further as they say they won't speak to me as ARC now have the debt.

 

If you're talking to these lot over the phone, then of course they're going to lie to you, which is why you should never discuss financial issues over the phone (unless you can record both sides of the call?).

 

Keep everything in writing, you need a paper trail of evidence or telephone transcripts or you leave yourself open.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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richard123

richard123

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If you're talking to these lot over the phone, then of course they're going to lie to you, which is why you should never discuss financial issues over the phone (unless you can record both sides of the call?).

 

Keep everything in writing, you need a paper trail of evidence or telephone transcripts or you leave yourself open.

Was via their live chat section on their website and I got the transcript emailed to me. I can prove they've lied about selling the loan on as ARC have stated numerous times that they don't buy alleged debts.

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Bazooka Boo

Bazooka Boo

Posted
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Was via their live chat section on their website and I got the transcript emailed to me. I can prove they've lied about selling the loan on as ARC have stated numerous times that they don't buy alleged debts.

 

Good, complain to the FCA now.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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richard123

richard123

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Good, complain to the FCA now.

 

Taking it to the FCA tomorrow, as that is when QQ and P2P's formal complaint reply window is up. Now when I'm doing this complaint, I assume I just merge the two complaint together into one, part 1 being the 8 week window being up and part 2 being them insisting my loan has been sold and ARC saying they haven't bought it?

 

Thanks :wink:

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Bazooka Boo

Bazooka Boo

Posted
Posted

As easy as it would be to do that, I'm thinking NO!

 

Keep them both separate.

 

After all, one has nothing to do with the other...

 

First complaint, they have failed to look at and rectify your complaint as at dd/mm/yyyy and are now out of time under their own complaints procedure (but check to make sure they are)

 

Second complaint, the failure to conduct their business professionally and honestly, informing their customer that the agreement has been sold onto a third party, when in actual fact it has not, implying & demanding that the customer speaks directly with the chosen third party of the creditor in an attempt to dissolve the original creditors responsibility.

 

Or words to that effect, if I had time I would be able to pull out the relevant legislation that they are falling foul under, no doubt the FCA's debt collection guidelines, (or OFT's if it hasn't yet been amended?) CPUTR is another I would be looking at, but with all things 'loan shark' related, you have time on your hands, unless they really believe they have it all watertight, then you hold all the ace's/

....

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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richard123

richard123

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Quickquid update - They are refunding around 90% of ALL interest and charges on all loans plus writing off my current loan and removing all credit file entries. Safe to say I am very happy and accepted their F&F offer.

 

P2P update - Again, refunded 100% of all interest and charges paid, writing off my current loan and removing all credit file entries. Happy with this outcome as well.

 

They didn't mention about selling the loan to ARC, however I am happy to let it go and move on with my compensation.

 

 

That's now Wonga, Sunny, QQ and P2P ALL put in their place without FOS involvement.

 

Anyone have any experience with how the FOS deal with 118 as this is my last big issue now with an alleged £1700 owing. Any advice would be great.

 

Mr Lender I only owe another few quid, same with 24/7. I owe around £400 to Different Money and £140 to Payday Express but neither have gotten back to me since their Final Response so I'll escalate with those now on Monday morning when the FOS open.

 

 

I want to say a massive thanks to all of you that have provided life changing help and information so far. When this money comes through a donation will definitely be made. I am over the moon with these outcomes thus far.

 

 

Richard.

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dx100uk

dx100uk

Posted
Posted

hey no sweat

I'm just glad we were able to put things into the real perspective before you did anything silly like pay or go BK or IVA routes etc etc

 

 

its never as bad as it seems once you get the correct pointers to lifting the lid on things that have been done or should have been done & questioned

 

 

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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Bazooka Boo

Bazooka Boo

Posted
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Absolutely fantastic news, very very well done!

 

I know just how much relief you're feeling right now, I had three years of fighting the DWP before they finally caved in!!!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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caro

caro

Posted
Posted

Any progress with the rest of your claims Richard?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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