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    • The defendant in this case is Parcel2Go.com Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper via the Defendant's service containing which contained two handmade bespoke wedding trays to a customer with  under  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 The Defendant informed me that the parcel was being returned to me but after waiting three weeks I was informed by the courier 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. The Claimant did not purchase the Defendant's insurance policy as requiring people to pay extra for rights already guaranteed under the consumer rights act 2015 is contrary to section 57 and 72 and therefore unenforceable. The Claimant rejected the Defendant's standard compensation offer. 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.   By failing to ensure the safe delivery of the Claimant's parcel the Defendant breached section 49 of the CRA 2015.   AND THE CLAIMANT CLAIMS £370.00 being the value of the lost goods £xx.xx being the price of shipping and interest pursuant to s69 cca 1984.   See what BF thinks but I think something like this is better. Remember you are suing P2G not evri.
    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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reclaiming vintage hfc ppi


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Could be a struggle getting info that old off them, not saying they wont have it, but they wont want to give it you if it means actually working to collate it all

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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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we have know HFC to provide data back to the late 1980 several times.

 

 

the thing to do with HSBC is to detail everything you know and should on the sar.

 

 

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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  • 3 months later...

Just updating this... have now involved FOS... they have just emailed to say that HSBC have contacted them to say that they do not hold any information and are asking if I have any proof by way of bank statements, etc... this is 30 years ago!! Also, I believe we had an HFC bank account at that time, so they are probably just trying to get out of it...

 

The FOS has asked me to report back if I have any proof of payments but said they don't expect me to have these as it was so long ago...

 

So... ball back to HSBC...(I notice they are in the papers again for their involvement in some financial scandal)...

 

Will be back again as soon as I hear any more. TB

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Just updating this... have now involved FOS... they have just emailed to say that HSBC have contacted them to say that they do not hold any information and are asking if I have any proof by way of bank statements, etc... this is 30 years ago!! Also, I believe we had an HFC bank account at that time, so they are probably just trying to get out of it...

 

The FOS has asked me to report back if I have any proof of payments but said they don't expect me to have these as it was so long ago...

 

So... ball back to HSBC...(I notice they are in the papers again for their involvement in some financial scandal)...

 

Will be back again as soon as I hear any more. TB

 

 

May of been burnt in (mountain) Fire years ago, a lot of records destroyed in storage, they hate to admit the fact. believe a lot of Worldwide records was stored there

:mad2::-x:jaw::sad:
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Hmmm… I didn't know about that!

 

 

I wonder if the FOS will uphold my claim, being as there is a signed agreement but no actual proof of payments…?

 

 

The other thing is that HFC also put a charge on our property as well as the PPI insurance…

(only my husband was covered on the PPI as I wasn't working, so I suppose they thought they would secure the loan every which way they could, just in case)…

 

Thinking back

… we were very young and totally naive at the time…

I'm now wondering if they were paid twice.

. once through the loan payments and then again when the house was sold,

unless they removed the charge when the loan was paid up… I've no idea… erk!!

 

 

TB

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so it was a secured loan..

 

the charge would be resolved upon completion of the loan.

I don't believe HFC were part of the great fire.

 

if you look up atleast ims21 threads

you'll he got data back to 1983and there were a couple of others too.

 

I suspect the bank account was a personal loan account plus

have a read of that IMS21 thread.

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 see the threads might of got lost in the old virus attack we had some while back

I'll see if I can recover them

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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  • 2 months later...

Getting very excited... looks as though the FOS has upheld the claim..

. they are giving HFC until the 21st to come up with a reason why they should not pay the full amount of my claim.

 

 

.. they are offering to pay for 24 months when the loan ran over 7 years..

. FOS has told them to pay 5 years PPI plus £100 for messing me about and saying I needed more proof, when I had provided all the documentary evidence.

 

I was paying £107 per month and the claim goes back to 1986...

Watch this space!! :whoo:

TB

 

So what you said, DX, about them having data which goes way back, is correct... and anyone who has had a loan with HFC should pursue it... they DO have access to the really old stuff and this is the proof. TB

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Statint sheet does it all for you

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 dx... my computer sez 'No'... I need to update apps or something and I don't know the password.. duh!

I found some calculators online... the difference between simple interest at 8% and compound interest is massive!!

I guess I'll only be allowed to calculate the former, though, as this was PPI on a loan rather than a credit card.

I must say, £1400 doesn't seem a lot, seeing as I've waited 30 years for it... The compounded interest is around £25k! TB

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what do you mean

you've not got Microsoft office?

 

 

you can download and install open office then free

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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forget this compound int on a LOAN.

 

 

their int is already calculated in the monthly sum you paid for PPI.

 

 

on most HFC agreement it tells you the sum per month you are paying for PPI.

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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go look you have a search engine as well as what we have!!!

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 was paying separate premiums of £10.77 per month for 5 years... TB

 

 

and the total you paid per month was?

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 was paying separate premiums of £10.77 per month for 5 years... TB

 

 

and the total you paid per month was?

 

I make it 11.63 with the 8% interest added...

So x that by 60 and it comes to £697.80 owed.

Unfortunately, I was unable to download the Micro Office spreadsheet app, but I came across this very simple calculator where you just enter the figues in and it does it all for you.

Very clever!

http://www.trethowans.com/site/resources/interest_calculator/

 

TB

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Oh...cr*p! Sorry dx... I'm very confused now... I don't know why, but I thought I was paying the PPI separately from the loan. I've just had a look at the agreement and the PPI and loan are rolled into one monthly payment.

The loan payments were £179.58 and the PPI of £10.77 was added to it, making a total monthly premium of £190.35.

The PPI apparently comprises 6% of the monthly loan payment. APR on the loan was 22.4%.

I don't know if this makes it different when calculating the interest on the PPI. TB

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that's too low for PPI. 5.7%PPIPCM

 

 

the £10.77 PCMPPI is prob right - but is the £179.58 for goods before or after interest is added.

 

 

can you scan the agreement to pdf please

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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