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    • I left a trustpilot review and P2g have emailed me with the obligatory apology and have refunded the postage costs and are will to give £10 extra pre pay as a good will gesture. However,  as i wrote this the Buyer has just txt.me.to say they have received the parcel !  So obviously im now going.to suggest that she pays via Paypal ... I rang her this morning to see if it had arrived but she said she was on holiday and there was someone in her house she would have to contact to see if it had arrived which she obviously has ... So now i know its been delivered i cant go for P2g But i Can accept the exta £10 ...
    • The defendant in this case is Parcel2Go.com Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper via the Defendant's service containing which contained two handmade bespoke wedding trays to a customer with  under  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 The Defendant informed me that the parcel was being returned to me but after waiting three weeks I was informed by the courier 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. The Claimant did not purchase the Defendant's insurance policy as requiring people to pay extra for rights already guaranteed under the consumer rights act 2015 is contrary to section 57 and 72 and therefore unenforceable. The Claimant rejected the Defendant's standard compensation offer. 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.   By failing to ensure the safe delivery of the Claimant's parcel the Defendant breached section 49 of the CRA 2015.   AND THE CLAIMANT CLAIMS £370.00 being the value of the lost goods £xx.xx being the price of shipping and interest pursuant to s69 cca 1984.   See what BF thinks but I think something like this is better. Remember you are suing P2G not evri.
    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Cabot/Nolans SPC - newday Aqua Card **withdrawn by nolans!**


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Found a letter from the court when I got home. I also phoned them this morning.

 

Quick summary of the letter:

 

the case has been "paused" as the Sheriff believes that the matter may be resolved via "Mediation".

 

Nothing further will happen unless a re-start request is received.

This can be done at any time by either party.

 

A detailed leaflet from The University of Strathclyde Mediation Clinic is enclosed, and you are encouraged to contact them.

 

If no settlement is arrived at it remains open to you to come back to the court to re-start the case and to seek a judicial decision.

===

 

I also phoned the court (prior to reading the letter) and was told that if the case is not re-started within 6 months then the Sheriff may contact both parties, and ultimately the case may be cancelled.

 

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is your electronic sign up included?

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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No electronic sign up.

1: Credit Card Agreenent
2: All letters sent by Aqua
3: All letters received by Aqua
4: Statements from 17th Nov 2013 to 18th Jun 2017

5:  Account History

No sign up agreement. The Credit Card Agreement is simply a generic copy of their terms and conditions which anyone can download from their site.

 

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agreement must show the sign up?

scan it up to one multipage PDF please

read upload

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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  • 2 weeks later...
  • 2 weeks later...

Nope. do not ask for another copy. Why would you want to give them another chance to get it right?

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

:D

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topic tidied

ok that's a set of T&C's not a CCA.

 

if the fleecers don't do anything 

when the 6mths 1 day arrives wackin an incidental application wanting the sheriff to dismiss the case and issue an absolvitor.

 

and no not the ICO.

 

dx

 

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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Share on other sites

as post 21

 

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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Will do :-)

 

Fyi: I received a bill this morning from Cabot for £90, for "legal costs".

 

They helpfully included various ways that I can pay!!!!

 

Needless to say, I will not be paying it.

 

Chancing gits that they are.

 

I will be more than happy to send them my bill.

 

 

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I'd be minded to put it in an envelope,  send it back to them with an A4 piece of paper with a big laughing emoji right in the middle of it

 

  • Haha 1

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

:D

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  • 4 weeks later...

Received a letter today from Cabot advisng that they were unable to comply with my Section 77 request.

 

The letter states "This means that we are not permitted to obtain a judgement or decree against you in Court".

 

Do I do anything, or wait for a "cancellation of the court action" to come through?

 

Best regards,

 

Pete

 

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that's just one of a set of std replies cabot use to a CCA request regardless to any court proceedings.

 

i'd send that to the email address of the clerks office now by a PDF attachment.with ref to your case number

advise you will be ringing in the morning.

 

ring them and enquire if you can 

send in an incidental application wanting the sheriff to issue an decree absolvitor 

https://scotland.shelter.org.uk/get_advice/advice_topics/complaints_and_court_action/what_happens_at_court/court_decisions

 

 

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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Share on other sites

  • 4 weeks later...

Hi,

Latest update is that I sent off the "Cabot Letter" advising that they couldn't take any further legal action as they could not meet the Section 77 criteria + a copy of my email to the Mediation Clinic / their response.

This was to help show willingness on my part to follow any suggestions of the court.

 

As per the Court rules I also sent a copy of the same info to Nolans.

The cheekie buggers then sent me an EMAIL (clearly they lifted my info from the info which I sent them) advising:


" We note that you have submitted a letter from our clients confirming that they are not permitted to obtain a judgement or decree against you in court but they can still request that you repay your outstanding balance.

 

There is a well known Authority in the High Court's decision in the case of McGuffick -v- The Royal Bank of Scotland plc (2009) EWHC 2386 where the Court determined the meaning of the word "enforcement" under the Consumer Credit Act 1974 and whether during the period of unenforceability any actions taken by a lender amount to enforcement contrary to Section 77 (4) of the CCA 1974.  

 

The Court decided in this case that the effect of unenforceability is that a lender's rights and a debtor's  obligation existed but  were not extinguished.   The demanding of payment, issuing of a Default Notice, threatening legal proceedings and bringing proceedings themselves did not amount to enforcement. 

 

As you are aware we have already produced a copy of the Credit Agreement.  

We have also produced and lodged in process annual statements from period 14th October 2013 to 16th October 2014.  

 

We are waiting for our clients to send us further statements post 2014 in order to fulfil the second part of the Section 77 to 79 request.

 

At the moment the case has been paused because the Sheriff considers that this matter may be resolved through mediation.  

We are hopeful that our clients will send us the information to fulfil the Section 77 request and until such time they are happy for the action to remain paused.

 

In the meantime, in light of the documentation that we have lodged in process, we will require  a note of your defence to the matter given the agreement has now been produced and  statements to period 16th October 2014 have been produced.      

 

The terms of the Order of the Court state that both Nolans and you are encouraged to contact each other to settle the case or narrow the issues in dispute. 

 

Our clients are happy to accept payments by way of an instalment plan for payments to be made which are affordable to you.  

Our clients may also accept a reduced settlement if you are able to pay a lump sum payment.   

In the circumstances we welcome any proposals that you may have.

We look forward to hearing from you.

"

I am pretty annoyed that:
A) They lifted my email address from documents supllied to them for information purposes, and proceeded to send me an email.
B) They consider that somehow sending me a bunch of statements somehow constitutes meeting the section 77 requirement
C) They lifted my email address from documents supllied to them for information purposes, and proceeded to send me an email.

Yeah, I know that points A & C are the same, but it's an important point. Mentioning it just once isn't enough :-)

I am tempted to complain about the misuse of email for communicating with me + asking the Sherriff to restart the case again.

Yes/No?

Thanks in advance.

Pete

 

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its a begging letter 

block and bounce their email address pete

you should have already have done this as a matter of course.

so what happened when you did the following I advised?

send that to the email address of the clerks office now by a PDF attachment.with ref to your case number

advise you will be ringing in the morning.

ring them and enquire if you can 

send in an incidental application wanting the sheriff to issue an decree absolvitor 

https://scotland.shelter.org.uk/get_advice/advice_topics/complaints_and_court_action/what_happens_at_court/court_decisions

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 checked with the clerk yesterday and was advised that the documentation which I has submitted hadn't been processed yet as the case was currently "On Hold", and they had a backlog due to staff illness.

 

However, now that he was aware of the contents he would ensure that it was processed this week. The documentation contained the "Incidental Application " + letter from Cabot + email to/from Mediation Clinic.

 

I will check tomorrow that it has all now been logged, etc.

 

Thanks for all your help so far - it is much appreciated :-)

 

Best regards,

 

Pete

 

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  • 2 weeks later...

Ok, latest update is as follows:

 

The Sheriff Clark Depute returned my Incidental Application Form advising "I hereby return your Incidental Application Form as this is not in the correct format under the Simple Procedure Rules. Please re-submit in the correct format, together with proof of service on the claimant."

 

The form was downloaded from their site. I have uploaded a copy of the submitted form, having first replaced any identifying data with ********** characters

 

I did not send a copy to Nolans.

 

Not sure what was wrong with the form?  I did sign the form.

 

Not sure what to do now. Any ideas?

 

Many thanks,

 

Pete

 

form---incidental-application.doc

Edited by Pete_the_Postman

 

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ring the clerk 

ask what was wrong.

 

I think I know but not sure.

 

dx

 

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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Share on other sites

Probably because you have not completed the form in its entirety ...you must complete A-C

 

https://www.scotcourts.gov.uk/docs/default-source/rules-and-practice/forms/sheriff-court-forms/simple-procedure-forms/form_9g.pdf?sfvrsn=6

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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Very true. That was not the form which I completed.  Mine was just a simple one page form.


I will completed and re-post.  Do I need to send a copy to Nolans also?

 

Many thanks,

 

I phoned and the clerk advised that he was unsure as he hadn't dealt with it personality.

 

Will fill in the above form and see what happens :-)

 

Fingers-crossed.

 

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Yes and proof of service

Free proof of posting for any mail can be gained at a po counter.

 

Dx

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 would assume the court serves a copy as the claimant must complete part D and return.

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

If you want advice on your Topic please PM me a link to your thread

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you have to serve the claimants too for any IA.

 

 

 

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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