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    • Just posted up the POC. Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • Here are the Particulars of Claim     Name of the Claimant ? Hoist Finance UK Holdings Limited     30th January 2020 Date of issue 30/01/2020 + 19 days ( 5 day for service + 14 days to acknowledge) = 17/02/2020 + 14 days to submit defence = 02/03/2020 (33 days in total) -   Particulars of Claim   The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03 The defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd(Ex Barclaycard) Written notice of the assignment has been given. The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £7939. + £410.00 Court fee + 100.00 legal costs Total amount £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Spoke to them many years ago          
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   get him to ring BC ask last payment date tomorrow.    
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Amber01

Delivery company lost my parcel and refused to compensate

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Hi, so this company Collect+ lost my parcel and refused to compensate even a penny because I did not have a receipt to prove it's value. I'm not a business trader and I sadly can't find the shop receipt despite searching. I have proof of posting and they admitted they lost it but refuse to pay. It was thankfully a small amount but the fact they didn't even refund the postage upsets me.

 

What are my options for resolving this issue? Thanks

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They have to have some kind of complaints procedure and investigation. Otherwise they could just steal peoples packages and say "sorry, prove it".


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https://www.collectplus.co.uk/

 

Is this the company you are referring to ?

 

If you scroll to the bottom of their "Help" page - click on require further help you will pull up an online communication form.

 

https://www.collectplus.co.uk/contact#where-is-my-parcel

 

Alternatively, make a written complaint to their head/registered office.

 

Did you pay in cash for the item ? If by credit / debit card - you might be able to track the purchase on a statement.


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Hi

Do you have proof in writing that they have admitted losing the parcel?

 

If so this can be resolved fairly simply.

Formal Complaint..In writing..

If they reject

Letter Before Action

If they reject or ignore you

Issue court papers. The cost? £25 when done via MCOL.

Once companies such as this realise that people know their rights, they will start coughing up.


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They should be at least refunding the cost of the postage since you paid for a service you didn't receive. Did you sell the item? The proof of someone paying for it should be enough to show its value.

 

I'd be tempted to find a receipt for another item you bought which matches the description and claiming on that.

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