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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.
      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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Advice on Loan Deferment Confusion!


canuck72
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I am hoping someone here would be able to offer some insight on my loan deferral before I tear my hair out!

 

I have loans from 97/98/99 - originally they were partly sold off to Thesis and then later to Erudio.

 

I have deferred payments every year based on my income.

For the past 2 years, I have submitted my deferment application to Erudio via email

(I live in Canada and never receive paper correspondence on time

- did not want to risk missing the deadline for deferment).

 

I followed the same procedure this year as my deferment is due at the end of March.

I received an email back from Erudio informing me that they could not process the application for deferment

as this was a shared loan account and needed to be processed via SLC.

I have no idea what this means.

 

I called SLC and the rep I spoke with also did not know why I was referred to them

- she informed me that SLC had no account information for me

and that I needed to contact whomever the loan had been sold to

(Erudio, I presume....or maybe still Thesis?)

 

I am now totally confused -

who should I be submitting the application for deferment to,

and how do I know who actually owns my loan accounts?

 

Anyone have any suggestions?

 

Thanks in advance!

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wouldn't trust either of them

 

 

thesis are link DCA

erudio are arrows. DCA

 

 

are you ever coming back?

 

 

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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No, not planning on coming back to the UK

- have not lived there since leaving university in 2000!

 

 

However, I would prefer to not get a bad credit rating if I have done nothing wrong!

 

 

For all I know, I could already be in default if,

indeed, part of my loan is owned by another company that I was not aware of

and have never applied for deferment through!

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credit rating where?

 

 

in most cases they are so old that SLC loans do not show anymore anyway.

 

 

no matter what these fleecers say

 

 

I know what i'd do:madgrin:

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 thought that if I default on the loan and not make payments then it would go against my credit rating - does it not apply to countries outside the UK? My loan must be coming up for cancellation soon....wouldn't want to jeopardise that, either!!!

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cant effect non uk cra files no never.

 

why not simply fill out a copy of the SLC deferment forum

we have it here somewhere

and send that to slc

 

copied and sent registered post etc

then that will cover you.

you keep proof

 

edit:found it

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

Thanks - I am going to do just that. I will cover my bases and send a deferment to Erudio, SLC, AND Thesis. That way none of them can say I didn't apply!

Best option and keep a copy of each form and the date sent, if you can send by a trackable signed for service.

 

It pays to be careful in light of government proposals to criminalise avoidance of Student Loan repayments.

 

http://www.konbini.com/en/lifestyle/student-loan-criminal/

 

Quoted from the above:

 

The government will

 

"Take stronger action to trace borrowers and act to recover money owed where it is clear that they are seeking to avoid repayment.”

This will include “levying of penalties”, tracking down students who have moved out of the UK, referral to credit reference agencies (so credit ratings could ruin chances of getting other loans and mortgages) and ”litigation when appropriate”."

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