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    • 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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Hsbc sent final demand letter and default notice


davesh.kumar
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Hi Guys,

 

I am new to website. But i have really big problem with hsbc.

 

let me explain.

 

I have small property investment business.

Due to this when we pay some of builders they take out money without my authority

each time i have to cancel my card and bank sent new one

 

this things happen 7 to 8 times

we told number of time banks about this and finally came to point when we thought its best to close a/c and all matters.

 

At that time i have one credit card, bank a/c and personal loan on my name.

Bank has closed current a/c and credit card straight way

but loan they told me if i can not afford to pay

they will keep open as it is and i have to keep paying them monthly arrangement.

 

i have setup arrangement with them by direct debit and till date everything upto date i did not miss any payment.

 

During december time my father passed away and i have to go out side country,

during this period hsbc suddenly decided to close my loan a/c

they sent out letter which i was not aware.

After few days later another letter came for default notice and final demand.

 

I came back last week and i have seen these letters.

I been told by HSBC staff not to worry and they will sort out everything .

 

I been given collection number which i called number of time but they have given one answer as my loan account is active and its up to date.

 

Letter i received from hsbc clearly confirmed they will pass my details to credit reference agency and it will affect my credit rating.

I have made full payment to HSBC but they refused to do anything.

 

I have explained them as i was out side country and i did not received any phone call but they did not listen.

As well they have notes on system march 2017 confirming person previously dealing in back office (customer relations manager) place note confirming account keep open and customer will maintain monthly payment as agreed when opened loan account.

 

HSBC in march 2017 told me they will keep my loan a/c opened as far as i will keep paying my instalment

but in december they have decided to close my a/c.

Branch even give me wrong information as they told me nothing to worry my a/c is up to date and no action required.

 

I really need serious help as my business on credit and if something goes against my credit file it will be end of my business.

I need serious help as bank not helping me out at all neither branch

 

already made complain to bank but i am not hoping any good response.

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Hello, welcome to CAG, sorry to hear of your fathers passing......

 

Have you started HSBC's complaints procedure?

 

If not do so, and exhaust it until you get the outcome you want.

 

Do NOT call them, keep EVERYTHING in writing, and keep a diary of events too.

 

Keep an eye on your credit file also.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi,

 

Yes customer service team they took complain over on the phone. Do you know what option i can have. As i mention earlier as soon as i found out i called them and explained them about previous conversation i had with back office manager and notes on a/c. But, all they now saying they have changed their mind.

 

I made full payment on a/c and one of their manager told me if any interest rate over charged they will refund me by cheque but you can understand more important is Default on credit file

 

Thanks

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They cant default a Loan account if it is not in arrears....there is no such thing as a closed Loan Account....just the current account that I assume payments were being made from...as you have made alternative payment arrangement with new DD...forget about it.

 

 

Andy

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Thank you for quick response

 

HSBC when sent default notice letter they have used reference no as my bank account no.

 

My bank a/c has zero balance and it’s already closed

 

the amount they are asking it’s for loan amount as I do not have any open account with them since March 2017.

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sounds like they've pulled their usual stunt of creating a managed loan and then dumping it into the Bank Account as a massive OD???

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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