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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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    • We have finally managed to obtain the transcript of this case.

      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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Charging Order Registered with Land Registry


Bazza121
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Need some advise on this.

I will try to be brief

 

I discovered by accident when searching my title deeds that there was an entry by Lloyds TSB dated 2009 regarding an outstanding overdraft for a dissolved company that I was a director. I have no notification of this charging order.

As Lloyds TSB no longer exists, I contacted Lloyds to shine some light.

 

They (after some denial of existence) come back with information that this was for the overdraft. 

 

Lloyds say "They no longer have an interest in this debt" and have sold on the amount to Cabot financial.

I have had no contact from Cabot since 2009.

 

I contacted Land Registry to remove the order as the order is in the name of lloyds TSB who no longer have an interest.

 

Land Registry refuse to remove unless Lloyds instruct them to.

Lloyds will not as they no longer have interest and refer me to Cabot, and if cabot agree, then they will remove the order.

 

If I contact Cabot, will they want payment?

Is the Land Registry correct in not removing the order?

 

Thanks

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What date was the CCJ that resulted in the CO?

It would have been Cabot that got it using your old address as you didn't inform your creditors you'd moved in writing?

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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Also you should know that when creditors sell debts, they sell the rights but they can never sell the duties.

This means that any complaint you have, you can make it against the original creditor. You can make it against the debt purchaser as well but very often you are better off going against the original creditor. They won't like it because they think that by having got rid of the debt, they have gotten rid of all responsibility – but that is not the case.

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did you sign a personal guarantee with LLoyds re the OD?

 

yes sorry..2009 was a time when Lloyds did still do litigation.

 

had you moved and not informed LLoyds of a change of address?

 

the CCJ and its enforcement ..the CO is now owned by cabot

you wont get it removed by simply asking.

 

is this home solely in your name as was the debt?

 

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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Cabot are now the Judgment claimant......the debt has been assigned to them.Its irrelevant who,s name it is in with regards to your Deeds. The charge will remain on your property until its settled..they wont remove it.

 

The CCJ itself is 10 years old...so obviously Cabot are content to let it sit as security until you either settle or sell.

 

Andy

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2 hours ago, dx100uk said:

is this home solely in your name as was the debt?

 

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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