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    • I have had so much help on here in the past with Halifax and Paragon. After my win in court last october with Paragon they sold the debt to Mars Capital. I haven't had much to do with them yet but i know they are a vulture fund, they buy these loans at a cost. I want rid of it. The original loan was £35 k and paid in multiple payments to people i owed money to and some to me. Ive had high levels of arrears for at least 10 years i think . Are they adding interest to my arrears? does it go on balance - it says i now owe £54 k when i have been paying since 2007. I have high levels of chargers on there which i need to add up and ask to be deducted. If i worked out how much i had paid and offered them £12k or less are they no likely at all to take it or will they still expect £54k.  I want to offer a lump sum to get rid of it this year but there are so many issues with this loan - i SAR them back when paragon had it but i don't want to rock the boat - but if they don't have the credit agreement do courts still view this as unenforceable ??? should mars keep to the same rate that the original lender took loan out for??  I have threads on here going back years - the loan was with Advantage then to ADV2 then paragon now Mars Capital , a company called loan makers sorted out the secured loan - they were not paid by myself the fee was put on the mortgage / loan i think
    • Can I just leave it as saved and not submit or do I need to delete everything?
    • don't file yet not needed till/by 4pm tomorrow   let andyorch check things over 1st    
    • well the claim is stayed so don't panic for now.   is this the ONLY payment made and how did capquest get this out of you? by phone?   explain what caused you to make the payment and how you did it please   dx                
    • Lovely stuff.    1.The claim is for the sum of £882.53 due by the Defendant under the CCA 1974 for a Shop Direct account with the account ref of ********************    2.The Defendant failed to maintain contractual payments required by the agreement and a Default notice was served under s.87(1) of the CCA 1974 which has not been complied with.   3.The debt was legally assigned to the claimant on 08/01/18, notice of which has been given to the defendant.   4.The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £70.60 - The claimant claims the sum of £953.13   #####Defence######   The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. Paragraph 1 is denied. Whilst it is admitted I have held various catalogue agreements in the past, I have no recollection of ever entering into an agreement with Shop Direct and do not recognise the specific account number or recollect any outstanding debt and have therefore requested clarification by way of a CPR 31.14 and section 78 request pursuant to The Consumer Credit Act 1974.   2. Paragraph 2 is denied I have not been served with a Default Notice pursuant to sec87(1) the Consumer Credit Act 1974.   3. Paragraph 3 is denied. I am unaware of a legal assignment or Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1)   4. On receipt of this claim form I, the Defendant, sent a request by way of a section 78 pursuant to the Consumer Credit Act 1974, for a copy of the agreement, the Claimant has yet to comply and remains in default of the said request.   5. A further request made via CPR 31.14 to the claimant’s solicitor, requesting disclosure of documents on which the Claimant is basing their claim. The claimant has not complied.   6. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:   a) show how the Defendant has entered into an agreement and; b) show how the Defendant has reached the amount claimed for and; c) show the nature of the breach and evidence by way of a Default Notice pursuant to sec 87(1) of the Consumer Credit Act 1974 d) show how the Claimant has the legal right, either under statute or equity to issue a claim   7. As per Civil Procedure 16.5 it is expected that the claimants prove the allegation that the money is owed   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.   I will get this put into the defence section. Thank you again.
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rachel_rabins

Has anyone here had success claiming back...

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Or avoiding £8 handling charge from rm?

 

My mum and dad gave me some money for my birthday and I went about buying a new phone through mums card. Decided on a Redmi from banggood and all was well. My friends mum told me that I should ask for the parcel to be sent via swiss post which I did.

 

So I come home from school today and my mum has a right face on her like dragging on the floor kind of thing and whats happened is shes had a notice through the door asking for and extra 11.42 for charges :!: £8 for rm and 3.42 for tax?

 

dad said i cant do nowt about the tax but maybe with rm charge and sent me here to ask. Shes threatening to refuse to pay and send it back which is bonkers. The declared value was $21.94.

 

can anybody advise please.

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You need to look at the declared value and the shipping costs. The total is what the VAT and other duties are calculated on.

 

I'm afraid you will not be able to reclaim the £8 handling fee or get out of paying it if you want the goods. If the item is returned to the sender, you may get a refund minus the postage and packaging fee.


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Thankyou for that. Post was free on the package and value was $21.94.

 

Found this earlier. Does anyone think there is any truth "The actual law is The Postal Act of 2000 sections 83, 84 and 104 - "it is 'illegal' for a courier to hold a parcel in lien of payment"? there is also some talk of contracts, service on behalf of a customer when it wasnt requested and some other stuff I dont understand.

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items over £15 are subject to tax and handling charges if incoming from abroad if I remember correctly the fact still stands as I paid for stuff from USA etc to carrier in the past usually invoice by carrier

 

Tax and customs for goods sent from abroad - GOV.UK

https://www.gov.uk/goods-sent-from-abroad


:mad2::-x:jaw::sad:

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you have to pay VAT at 20 per cent of the purchase price? And Parcelforce will want around £14 for taking the VAT off you on behalf of HMRC before letting you collect it from a depot. pr the delivery company for items from switzerland

 

bee honest they would ot be invoicing you if not!


:mad2::-x:jaw::sad:

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Hello does that charge stand for items for eu, Switzerland?

 

If the item had been purchased within a member state of the European Union, VAT would have been charged at source and so exempt from any further duties when shipped to the UK.

 

Unfortunately for you, Switzerland is not a member of the EU, so anything imported from there is liable to VAT being charged by HMRC. You can check the VAT & duty rates here: http://trade.ec.europa.eu/tradehelp/myexport#?product=8517120000&partner=CH&reporter=GB


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Unfortunately for you, Switzerland is not a member of the EU

 

that will teach me to listen to other people. So my friends mum was wrong :x my local phone repair shop said always have 'goodies' delivered by postnl because tax wont usually be added?

 

Will show mum this when shes up to show her that it wasnt actually my mistake hopefully she wont send it back!

 

Thankyou

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that will teach me to listen to other people. So my friends mum was wrong :x my local phone repair shop said always have 'goodies' delivered by postnl because tax wont usually be added?

 

I've purchased "stuff" from overseas, and sometimes it arrives without any surprises, other times I get clobbered for VAT & import duties. Purchases from China often get through because the value is under-declared by the sender.

 

It is a bit of a lottery I'm afraid. If you buy anything from outside the EU, then factor in the possibility of having to pay duty & VAT on the total price (including P&P) before deciding if it is a bargain. Note: Iceland, Norway, and Iceland are not part of the EU.


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