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    • as it was obvious what it was lets hope its not suffered the fate of other like object and goes 'missing' as a useful item whilst in the chain of people that deal with it, sadly a very common thing.   there are 1000's of thread here like   Parcel2go Hermès Lost/Damaged Item - court claim issued ***Won*** - Postal and Delivery Services - Consumer Action Group   the fact you didn't take the extra ins is of ZERO relevance 
    • their system often have issues over w/ends till someone goes in tomorrow and resets things. don't worry.    
    • Stu007 and team-   My apologies for not getting back to you sooner-   Yes, I'm assuming the mattress is their own property, this assumption being that the supplied receipt is in their name.   Tenants supplied the pic on 5th June and vacated property 7th June.   Today I gave them a price to deal with all the garden issues, if they don't get back to me am I In my rights to let the work go ahead and deduct it from the deposit? There is a time issue here as a new tenant is due in next Monday 21st.   If by any chance  they do have contents insurance, what are the chances of them succeeding with their claim for the mattress- zero/maybe?   I understand that the deposit is being held by the TDS, sorry my knowledge only goes that far.   Should I be wary of asking the TDS for guidance here? If this all goes t*ts up, they will be dealing with it anyway.   I'll let you know what the Solicitor advices when we speak tomorrow.   Thanks again
    • @[email protected] quick one - just about to complete and email the N215.....where it says 'What documents did you serve? Please attach copies of the documents you have not already filed with the court', what does this mean, please?   It's OK, I included the additional POC. However, worth noting that I received this bounce back email:   Thank you for emailing the County Court Business Centre's (CCBC) MCOLAOS inbox. This inbox is now closed - any emails should be redirected to the below email addresses:     IMPORTANT You will need to send any ‘claim response’ which includes the acknowledgment of service, part admission or defence/counterclaim forms as well as directions questionnaires (DQs) directly to [email protected] to ensure that they are filed correctly. Your email has not been forwarded.   N244 and N245 applications should be sent to [email protected]   All Other Correspondence should be sent to [email protected]   The deadline for documents to be received is 4pm, any documents received after this time will be classed as received on the next working day.     The office will be closed on all bank holidays.   So I did and got this rather frustrating reply:     Your message to [email protected] couldn't be delivered. ccbc wasn't found at justice.gsi.gov.uk.
    • Please can I seek assistance in making a claim against Parcel2Go -   The full circumstances are as follows -   I successfully sold my old mountain bike via Ebay for over £200.00 and used the portal Parcel2Go and selected Hermes. The bike was packaged in a full size box from Halfords secured with tape and the Hermes label printed off and secured to the box.   At the time of paying for the cost for the courier I elected to select no additional cover for loss or damage (reason for this was how can you lose a large box, how wrong was I).  The full cost of the bike was however declared when booking the courier.   The bike was collected from my home address by the courier on 14th May and after a short time I decided to check were the bike was and via the Hermes tracking facility it stated - We’ve got your parcel and we are processing it   I raised a query with Hermes who said they would look into the matter and eventually received notification that the parcel was missing.   I queried how can it can go missing and asked them to provide me with the address for the local depot along with asking what enquiries have  been conducted, no response  received to these questions. Eventually they responded to say that I must go through Parcel2Go after I sent them further messages.   Therefore I contacted Parcel2Go submitting a claim for loss / compensation, they asked for specifics including a detailed description of the item and the size of the box it was posted in. After the elected date nothing was heard from them so I sent a prompting email and eventually I received notification from them saying that the parcel was missing and due to the fact that I had not elected for additional  cover for loss there would be no compensation and the matter was closed.    There has been no explanation from either party as to how the package has gone missing or what investigation has been carried out and neither party has supplied me with the local depot address. I have informed Hermes that suspect foul play possible theft, no response.   I have written a letter of intent and I would like your opinion on  the content before it is posted to Parce2Go.   I am willing to pursue the matter.   My arguement is this. I accept that I have not elected to pay for additional cover and I would even accept that if the bike were delivered and went missing at the recipients end that I would not have a leg to stand on for a claim. But for a parcel, a large parcel that is not easily mislaid to go missing whilst in Hermes possession is a clear case of negligence on Hermes behalf.   I have digested part of the consumer rights act and also read through some of the terms and conditions of Parcel2Go and the main argument I have is that a parcel, of some size has been lost therefore the following has not been adhered to -    Extract from the consumer rights act:   “Every contract to supply a service is to be treated as including a term that the trader must perform the service with reasonable care and skill.”       I look forward to your response.
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WDA/Moorcroft sending someone to my house! Advice needed

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I am not familiar with the current legislation regarding payday loans so advice on a letter structure would be appreciated.


Background: A few years ago now I was a compulsive gambler and borrowed from any lender that would give me the cash


. I managed to rack up £50k's of debt and at the time didn't have a secure job.


Two years ago after a lot of hard work on myself,

help from family and a years worth of councelling,

I have not gambled,

I've got a permanent job paying a decentish wage

, I've paid off nearly all my debts.


one of those who I hadn't yet paid was from a company named wageday advance for£650.

They have since I ignored their threatening letters passed it onto Moorcroft who wrote me a lovely letter saying they will come to visit me at my house in the near future for a chat about it.


firstly I have absolutely no desire at all to chat to them about it in my house.

Is there a template to say I do not want them to come to my house?


Secondly. They mention a reduced offer as settlement, but didn't say an amount.



I have been on a quest to be debt free since I stopped gambling, and paid back the main people.


But I guess I left the payday loans to last simply because I do have quite an angst against them

- they do prey on the vulnerable soley for profit and to the severe detriment of the borroweer.


Don't get me wrong,

I take full responsibility for my debts and what I did and have paid some VERY heavy prices

- however, lending at whatever it was 3000%+ without doing any checks to someone who is essentially not well is in my mind criminal!


However, my mind doesn't really come into play here, it's what the law says that counts.

Is there any legislation about responsible lending that these companies should have adhered too?

Can you even fight them on these grounds?


What would be a reasonable lump sum final offer for a £650 debt? If I did just want to get rid of it?


Thank you so much for reading.

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They wont send anyone. And if they are stupid enough to, they have no legal rights, so you can inore them or call 101 and tell the police someone is harassing you.


Dont be intimidated by them. Stand your ground. You can certainly challenge them for irresposible lending. Youve been on this site for 10 years now, so you know how DCA's operate.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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DCA's have no legal powers whatsoever

They are not bailiffs


If some does appear

Tell them to leave or you,ii call101


Don't send any silly letters

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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