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    • Morning guys As Bank suggested, I've now re-worked my POC to include details of my parcel's original loss,  miraculous rediscovery a month later and subsequent delivery, albeit having been opened and the contents removed. Grateful for your thoughts please, as (P2G having gone very quiet) I intend to initiate court proceedings against P2G tomorrow - 1 May. Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant failed to arrange for the safe delivery of the claimant's parcel containing 8 second-hand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and whilst Evri collected the parcel for delivery on 18 March 24 they then ‘misplaced’ it a day later, formally declaring it lost on 27 March. On 16 April they found it and delivered it on 17 April but, at some point before delivery, it had been opened and the contents removed . The defendant refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is also in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80  
    • Odd one this, I recieved 2 notice's for the 18th and 19th April stating that I overstayed on Wigan Robin Retail Park. Permitted Minutes 180. They state I was there 355 minutes on the 18th and 388 minutes on the 19th. Both times I was there around 10 minutes getting my wife a brew from costa after dropping the kids off at school.  On both days I had passed through there a second time around 3pm, again to get a brew then left. Both notices have 2 images each, Entrance and exit.  This is the interesting bit. The Entrance images both timestamped actually clearly show I am exiting the retail park not entering it. And the exiting images they provided show me leaving the carpark after visiting a second time later in the day. In the attachments You'll see all 4 images show that I am exiting, none of them are of me entering. I understand most if not all that see this post won't know the area but if the look at the map link i gave you'll see the road I was on leading up to the main road. g24 ltd 1.pdfg24 ltd 1.pdf GoogleMap view of the road I am on in the entrance images I would have had dashcam footage but I since formatted the memory card. I tried recovery tools but I couldn't get the files back.  
    • An update: I just got another PCN. I get the feeling that someone in the residence is calling OPS, as it's dated for a few mins after I parked. I won't appeal of course. Interestingly, our cleaner was also parked but didn't get a PCN. I asked them why and apparently they're whitelisted. I did ask the MA if they could whitelist me and they said they couldn't. Clearly they decided not to tell the truth. Surely, this would resolve all of the issues entirely i.e. we'd keep non-residents from parking, whilst allowing for residents to park without issue? Also, could OPS now take me to court for both PCNs separately, or could it be one case?    
    • I was with sse broadband until Jun 2023 at which point without notifying me they passed me to origin broadband who I was unaware is my supplier now -  My broadband at home kept working and I was under the impression that sse are taking direct debit payments from my bank account and everything is fine because the Internet has continued to work.  To my horror I have just noticed that origin broadband has been sending me PDF bills for £39 a month and the email heading has been showing as just no reply so I thought it was junk and never bother to check it.  I have now noticed a bill every month and now I owe them some £350. I did instruct origin to supply me Internet and therfore don't feel responsible for this debt.  What are my rights and is it a legal debt considered I did not sign any agreements with them - their first contact with me tho was very clever back in July 2023 trying to lure me into an agreement however because I just saw that email now I'm not sure what to do because I owe them 400 pounds nearly supposedly at 39 per month.  Our agreement with sse was for 26 per month but they shut shop and passed us to origin without asking our consent.    The following is what origin email said back in July before they stated sending invoice every month for payment.    We hope you're enjoying your reliable phone and broadband with us. We're just letting you know your phone and broadband package will end on 30 Jun 2023. Thankfully, good things don't need to come to an end - read on to decide what you want to do next.   Below you'll find the details of your current package and some other great options to compare it to.   What can I do - shall I just pay the debt and cancel it and move elsewhere or is there any way I can fight this as they are more or less enforced upon us with out permission by sse who most Likly sold our accounts to them.    Any help greatly appreciated 
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Lowell/BW ClaimForm - shop direct cat 'debt'***Claim Dismissed***


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Hi Kay

 

I can only refer you back to my suggestion that you hit them with a Witness Statement, which should send a clear message that this is one fight they won't win easily...if at all. Then try them for £160.

 

Andy can advise you on the realistic cost of a Tomlin Order.

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Well it was £50 in Feb of this year...I doubt it was doubled in the recent price increase.

We could do with some help from you.

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Hi Kay

 

I can only refer you back to my suggestion that you hit them with a Witness Statement, which should send a clear message that this is one fight they won't win easily...if at all. Then try them for £160.

 

Andy can advise you on the realistic cost of a Tomlin Order.

 

Thanks Sham, will throw in £160 and see what happens is declined then a witness Statement will be next resort.

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Well it was £50 in Feb of this year...I doubt it was doubled in the recent price increase.

 

Thanks Andy, so is it so that it is usually passed on to the defendant,if so what other option is there to seal an agreement?

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Thanks Andy, so is it so that it is usually passed on to the defendant,if so what other option is there to seal an agreement?

 

Usually the defendant that foots the bill Kay...some claimants cover the cost and add it to the debt without stating.....and the fee may well now be £100...unfortunately there are no other options unless you agree with the claimant without court intervention...but should anything go wrong you understand that you have no legal protection...should it require it..considering the amount in involved..I doubt they will budge or even consider a Tomlin.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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To be honest, I reckon there's a fair chance they'll throw in the towel on this if you submit a good enough witness statement that challenges the charges, plus anything else you can drag into it. It's hardly worth them sending someone to court if they think they'll only end up with less than £150 judgement.

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gotta agree here

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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To be honest, I reckon there's a fair chance they'll throw in the towel on this if you submit a good enough witness statement that challenges the charges, plus anything else you can drag into it. It's hardly worth them sending someone to court if they think they'll only end up with less than £150 judgement.

 

Thanks Sham, will have to start preparing a supplementary witness statement, will be happy if a brief description/format of how it is written can be shown as i have no idea how to do this. Thanks

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  • 2 weeks later...

Hi all,

 

 

I got a response from claimant declining my improved offer of £160.

 

 

Demanded a Final settlement of £250 to be paid once.

 

 

Obviously this suggest they are not willing to settle out of court,.

 

 

Guess the next step is a supplementary witness statement.

 

 

can any one describe how to write one based on my case or would there be similar threads on here,. Thanks

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Kay - the plan is pretty simple.

I would set out a witness statement that agrees to having the account/agreement with the original creditor, but deny that there was a balance owing on the account.

 

 

Request that the claimant, therefore, substantiate the claim by way of itemised statements which detail all transactions and illustrate how the claim amount was arrived at.

 

 

State that a crude account summary did not show account activity so could not be relied upon as conclusive proof of any alleged debt being accurate, if indeed a debt actually existed.

 

 

Go on further to say that in the unlikely event that you were mistaken and there was an unpaid balance on the account, their crude account summary contains the amount of £306 for 'charges', which you understand to be default charges which are likely to be unfair and have no legal basis.

 

 

Furthermore, it would be likely that these charges incurred some interest.

Therefore, in the interests of determining the accuracy and correctness of the claim amount, the Claimant needs to provide itemised statements

- something you have already requested by way of your CPR request.

 

If you're happy going to court,

then it might not be the best option to submit the above,

and instead raise the points on the day of the hearing.

 

 

On the other hand, if you simply want to avoid court and give the claimant a bit of a wake up call and make them a bit more receptive to your F&F settlement, then consider the above.

 

 

You'll need to lay it out a bit better and expand a bit to make it flow.

Also, read up on the point about the charges having no legal basis.

 

Sham

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Yes Kay, same sort of format, but headed 'Supplemental Witness Statement'.

 

Have you looked through other threads or material for examples of how to approach this and also with regards challenging the default charges?

 

Thanks Sham, been looking at other threads but haven't really seen any similar to mine.

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  • 4 weeks later...

oh , what a shame, . Ok please can you look at the below i intended as suplemantal WS and tell me what jjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjj

your thoughts about it are

 

 

In the Wandsworth County Court

Claim No.....

BETWEEN

Lowell Portfolio 1 Ltd (Claimant)

Of Enterprise House

1 Apex View

LS11 9BH

-and-

Mr xxxxxxxxxcxxxxxxxx(Defendant)

Ofxxxxxxxxxxxxxxxxxxxxaddress

--------------------------------------------------------

WITNESS STATEMENT OF MR xxxxxxxxxx(Defendant)

---------------------------------------------------------

1. I make this statement in support of my defence to the claim above and include relevant evidence and exhibits.

2. This claim is for a running credit agreement regulated under the consumer credit act 1974. Whilst I may have had dealings with the original creditors in the past, I do not recognise any of the account details.

3. I recall or may have had catalogue accounts a number of years ago to purchase some items on interest free credit.

4. Whilst the accounts was running,I recall making a few purchases on interest free terms. I also recall having disputes with being supplied unsatisfactory goods that I rejected and returned under the statutory sale of goods act.

5. I am unaware of any outstanding balances nor do I recall been chased by the original creditors nor ever been issued with a default notice pursuant to the CCA 1974.

6. I therefore cannot recall the details with any clarity nor make any admittance to any alleged debt.

7. On the 20/05/2016, in response to particulars of claim served upon me,I enquired for more clarity by way of a CCA request from the claimant and CPR 31.14 request on the claimants solicitor for informations including ;. I) True copy of the agreement, II) The assignment, III) The default notice, IV) The termination and, V)statement of account. I only recently received a response of an online agreement .Along with a very vague statement of account and an assignment letter which were not served with the particulars of claim at the onset.

8. The claimant and its solicitors have not been able to satisfactorily comply to my CCA and CPR request in pursuant to s 78 of the Consumer Credit Act 1974. The claimant have not been able to prove any breach of defaulted payments.

9. The claimant have not been able to clarify by way of an itemised list of how the alleged outstanding balance was derived and the legality of the charges applied to the said balance.

 

I believe that the facts stated in this witness statement are true.

 

Xxxxxxxxxxx signature

Xxxxxxxxxxxx Date

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Post moved to your own thread...it wont be seen on another posters thread..particularly in the Success forum.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Post moved to your own thread...it wont be seen on another posters thread..particularly in the Success forum.

 

Andy

 

oh sorry about that Andy, didnt realise i posted outside my thread. Please do let me know what your thoughts are on the supplemental WS. thanks.

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oh sorry about that Andy, didnt realise i posted outside my thread. Please do let me know what your thoughts are on the supplemental WS. thanks.

 

Pls pardon my error as ive just noticed that i have posted my initial WS and not my supplemental WS. I'll post the actuall supplemental WS shortly.

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Hi all please see actual supplemental WS for arguments against charges and balance i intend to rely on. Kindly let me know your thoughts..,

 

In the Wandsworth county court

Claim number :

BETWEEN

Lowell Portfo 1 Ltd (Claimant)

Of Enterprise House

1 Apex View

LS11 9BH

-and-

Mr (Defendant)

Ofxxxxxx Address

 

---------------------------------------------------------------------------------- SUPLEMENTAL WITNESS STATEMENT OF MR (DEFENDANT)

----------------------------------------------------------------------------------

1. I further make this statement in support of my witness statement to the claim above.

2. This claim is for running credit agreement regulated under consumer credit act 1974. Whilst I have had dealings with the original creditors in the past, I do not recall there being a balance or receiving a default notice on the account.

3. I raised in my witness statement the need of the claimant to substantiate the claim by way of itemised statements which detail all transactions on the said account and illustrate how the claim amount was arrived at.

4. In the unlikely event that I was mistaken and there was an unpaid balance on the account, the crude account summary from the claimant contains the amount of £306 for 'charges', which i understand to be default charges which are certainly unfair and very likely to have no legal basis.

5. Furthermore, it will be likely that these charges incurred some interest. Therefore, in the interests of determining the accuracy and correctness of the claim amount, the claimant needs to provide an itemised statement.

6. The claimant and its solicitors have not been able to satisfactorily comply to my CCA and CPR request in pursuant to s78 of the Consumer Credit Act 1974.

7. The claimant has not been able to clarify by way of an itemised list of how the alleged outstanding balance was derived and the legality of the charges applied to the said balance.

 

8. I believe that the facts stated in this Supplemental witness statement are true.

 

XXXXXXXXX Signature

XXXXXXX Date

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I have just posted the new Supplemental WS for arguments against charges and balance amount. Please let me know your thoughts on this hearing is on the 10/01. Want to send out first thing tomorrow, thanks.

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Yes its fine...just amended your reference to sec 77/78/79...only refer to the applicable section.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Yes its fine...just amended your reference to sec 77/78/79...only refer to the applicable section.

 

Regards

 

Andy

 

Thanks Andy, please am i correct with the charges of £306 applied., please help review.

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Thanks Andy, please am i correct with the charges of £306 applied., please help review.

 

I really dont know kay ...only you know how the account was conducted...whether they were applied validly or not during the life of the agreement..as long as Lowell have not added anything... you fight it with the terms and conditions of the agreement and the nature of any alleged breach.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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