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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Provident/ Lowell issue


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Wonder if anyone can advise on the problem my partner is having with Lowell.

 

 

Following is a timeline of events:

Partner had problems paying provident and was defaulted on 4/1/2010 but was paying 1pound a month.

 

Debt sold to Lowell on 22/5/2015

 

Sent for cca on 24/7/2015

 

Letter from lowells on 3/8/2015 -they have requested credit agreement.

 

Letter from lowells- 4/9/2015- no cca closing account

 

Letter from lowells- 16/9/2015 Copy of signed cca with terms and conditions.

 

October 2015- started repayments again.

 

The problem now is that lowells have put a new default on her credit file even though it had disappeared some months beforehand.

 

 

Can they do this after the original default was in 2010?.

Any help would be very much appreciated.

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So the new default means it is on there for another 6 years, which seems unfair. Suggest a formal written complaint to Lowells stating that the new default is unfair and that you wish the FOS to review this, therefore if they won't review this, to issue their final response to save any delay.

 

Technically the account has been in default since the payment problems started in 2010 as the full contractural payment has not been met, but to start a brand new default starting say October 2015 is unfair, as it means the default in on record for much longer.

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I wouldn't be paying lowlifes anything, if they bought it from Provi, then I would have stopped payments immediately, as your agreement to pay £1 a month was with Provi NOT lowlifes.

 

As for them adding a new default on your account, then you need to place a notice of correction on your file against the incorrect entry, and lodge a formal complaint to the Credit Ref Agency demanding the data be removed as it is incorrect. They will then contact lowlifes and agree that lowlifes are processing your data correctly and that it won't be removed, that's your go ahead to lodge a formal complaint with the ICO.

 

The ONLY company that can mark your credit file with a default date is the OC, and the tin pot powerless third party DCA can ONLY update the date, they cannot alter it, or add a new default, start complaining and complaining very loud.

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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I assume the terms are from the back f the agreement.

 

My provident loan was closed because all they could supply was a copy of the front . Reading carefully there was reference to overleaf and no overleaf

Any opinion I give is from personal experience .

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no lowells cant change the OC's defaulted date.

 

 

have you proof of defaulted date by CRA file copy or DN copy?

 

 

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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Thanks for your advice guys.

 

 

The original default date on cra file is showing as 04/01/2010 and had dropped off

but it is now been put back on by lowlifes with a default mark for November.

 

 

Would it be worth my while writing to lowells and demanding this be taken off as they were not the oc and can't do this.

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What does the date of default say as it wouldn't normally drop off for 6 clear years I.e three weeks time.

 

 

Could they just be remarking the original default. If not complain to lowells

Any opinion I give is from personal experience .

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id guess they are marking the monthly calander with a D or 8 or something

 

 

that has no relevance to your score

neither does it change the OC's defaulted date

 

 

as long as Lowell have not changed the OC's defaulted date

with their entry for the same account

 

 

then there is nothing wrong here at all.

 

 

as pointed out

the whole account will vanish on the defaults 6th birthday..

doesn't mean the debt is not owed mind!!

 

 

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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Ahh so it will drop off Jan 16 at the 6 year marker. Yes dx the debt will be paid very shortly as it is not a great amount but was just worried that this would be on my partners file for another 6 years when her credit score is getting a lot better. As always, thank you all for your help and advice you all provide a great service. Thanks guys.

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