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    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand 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 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 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 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
    • In the SAR, I received the original application, lots of computer print outs, yearly statements from 2013 and the new emails regarding my complaint. They sent me a £50 cheque after I chased them for the SAR after the 30 days. They said they was waiting for me to respond to an email (which I never received) before sending the SAR
    • classic P2G. I'm sure dianne and Lesley will pop an email to you at some point.
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British Gas/ Lowlifes


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Hi

 

Today i have just received a letter from british gas and lowells about my old electritcy at my old address (renting 1 bed flat) dating 24/02/2012 to 28/11/2013.

 

The debt has been passed on to lowells and outstanding balance of £865.30

 

Since its along time ago i remember owing some money but completely forgot about it to be honest..the 865 quid has come as a bit of a shock. I have looked at my bank statements and made payments of 200 quid in that period to british gas.

 

Where do i go from here? Do i ask for a copy of the bills and breakdown of costs? Bury my head in the sand? Or just accept it and agree a repayment plan as i havent got a leg to stand on?

 

Any advice would be much appriecated.

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Who are lowells stated client?

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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The british gas letter says the account has been transferred to lowell portfolio ltd on the 22/12/2017. British gas has sold the account to lowell

 

The lowell letter which came with the british gas letter of assignment says lowell portfolio has asked lowell financial ltd to manage your account.

 

The reason this has come about as last month lowell put a report on my credit file for the 865 quid and i contacted them to find out what the hell it was.

 

They then had my new address and sent this letter as i was worried about a backdoor ccj.

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did you receive a bill at the time?

did you notify them you were moving and give a forwarding address for the final bill.

 

If they failed to issue a bill then the back billing rules apply and you don t owe a penny.

 

Start off with a SAR to BG to get copies of whatever they sent at the time and if they say they dont have it then you say back billing rules apply and they had better remove the defaults from your credit reference agency files or risk being sued for huindreds, if not thousands.

 

get the info first as you can hit Lowlifes with the same

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Lowell cant make it magically appear on you credit file

Only the OC can

Was it there before the Lowell entry?

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 have just found the british gas mark on my credit file on clear score and it says balance is zero. Is this because they sold the account.

 

On my noddle credit report there is no mentioned of the british gas account just the lowells account.

 

Thanks

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yes £0 = sold..

 

Defaulted date should be the same

What is it on the bg entry

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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The zero balance for british gas has no default date on clearscore im afraid 🤔. Clearscore never shows default dates for some reason only account open date and last updated.

 

On my noddle account the default date for lowlifes is 03/01/2015. As mentioned can not find british gas entry on noddle.

 

Thanks dx

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Nov 2013 last use ...what about last pay?

 

Sept 2015 defaulted date cannot be right!!

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 have sent the SAR request asking for all bills, payments , notice of default and meter readings.

 

 

To BG yes??

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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Never seen a dca do court for a util bill

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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Never seen a dca do court for a util bill

 

Times are hard since PAP was introduced...they will buy any old muck now :madgrin:

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