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    • it a minimum of 10 mins NO max.   shame you appealed..why didn't you read cag FIRST. shot yourself in the foot now as you've I'D the driver.   pointless using Popla now.    
    • So you saying dx100uk that they have the right to fine me (my driver) for stopping Meyer in front of zebra crossing for like 30sec just because it’s they land ? 
    • yes you can: https://www.gov.uk/universal-credit/other-financial-support
    • thats the point of a LBL!!…. they DONT need any court approvement to enforce it..   as long as the bill of sale has been correctly registered  there is quite frankly stuff and all you can do to prevent losing your car. http://www.consumeractiongroup.co.uk/forum/showthread.php?452164-Log-Book-Loan-Guidance&p=4791345#post4791345 from my notes. [prob same as above! >>>>>>>>>>>>>>>>>> logbook loan repossessions are not always legal,  . if linked to a CCA agreement or if the BOS has not been registered with the high court. . If BOS registered then yes they can reposses,  but have to show registration and debt details. Registration  A bill of sale can only be enforced if it was properly registered.  Since this is an expensive and difficult process,  it is rare that this actually happens.  However, failure to register the bill of sale renders it void,  and so renders any security on goods void. .  Consequently, before allowing any creditor to gain possession of your goods,  ask to see a registered copy of the bill showing the supreme courts seal. .  You can also call the national debt line, and ask them how to search the registry yourself. .  Also a valid DN must be issued. . If linked to a CCA then can not reposses if on private property without a court order  ( but can if on public road and under a third has only been paid ). . Over a third, they need a court order wherever it is. . check for...[BOS] . Not Registered With The High Court In 7 Days not registered AT ALL!  . Credit Agreement Details Not On The Bill Of Sale You should also check that the name on the registration documents  matches the name of the person who signed the BOS On occasions these cars get sold on several times . how to check: . email:QBEnforcement@hmcts.gsi.g ov.uk.[no spaces] . ring:020 7947 7772  . write: QB Enforcement Section,  Room E15-E17,  Royal Courts of Justice,  Strand, London, WC2A ... . ideally you need the BOS number . however they can search by the Reg Number . ...............  also see: http://www.fca.org.uk/firms/firm-types/consumer-credit/consumer-credit-research/logbook-loans ..... Do you have a problem with a Logbook Loan?  With Citizens advice estimating that over 60,000 of these loans were taken out in 2014 alone  an increasing number a causing severe difficulty and distress for borrowers. .  In this guide we explain what a logbook loan is, and how they work.   What you can do if you have a repayment problem,  and what you can do if you have unknowingly bought a car with a logbook loan attached. .  Three golden rules for Logbbok Loans .  1)No matter how desperate you are to purchase a car, or raise cash,  NEVER consider this type of Finance  These loans are designed purely for the benefit of the lenders.  With APRs of 400+%, little consumer protection, and aggressive debt collectionicon practices  they should be avoided at all costs. .  2)When purchasing a used car from whatever source,private or trade,  ALWAYS do a FULL GENUINE HPI CHECK costing around £20,  these come with a guarantee against any form of existing finance, including lbl's .  3)If you have any problem with a Logbook Loan,  your first step is ALWAYS to check that the Bill Of Sale has been registered  with the High Court. You can do this here- .  to check if registered .  Contact Details .  QB Enforcement Section  Room E15-17  Royal Courts of Justice  Strand  London  WC2A 2LL  DX 44450 Strand .  Telephone: 020 7947 7772  Fax: 0870 324 0024  Email: QBEnforcement@hmcts.gsi.g ov.uk .  You may read on the internet that your BOSicon will be void if witnessed by your lbl lender .  Since the OFT( as was) lost the attestation case on appeal by 2 to1 this is NOT the case .  full details here http://www.bailii.org/cgi-bin/markup...method=boolean .  Logbook loans are a form of credit dating back to the Victorian era,  derived from the 1878/1882 Bills Of Sale Acts, with terms and conditions to match in many cases. .  Problems are many fold from extortionate charges by lenders for calling a customer,  to repossessions where owners have been left at the side of a busy road,  unable to get to work, and even sexual harassment via debt collection. .  Poor practices abound, unsurprising when there is no incentive for lenders  to ensure their customers understand the terms or can afford the repayments.  In fact the very nature of this form of finance could be seen to encourage bad behaviour  – why carry out affordability checks if a single missed payments means you get to keep   the money and takeaway the car? . .  How does it work? .  When you take out a logbook loan you will be asked to hand over your vehicle’s logbook  or vehicle registration document, which proves you are the registered keeper of the vehicle. .  You’ll also have to sign a credit agreement and a form called a ‘bill of sale’.  This means the lender now owns your vehicle on a temporary basis  but you are still able to use it so long as you meet all loan repayments.  . These documents are recognised by law in England, Wales and Northern Ireland  but are not used in Scotland. .  The law only recognises a bill of sale if the lender registers it with the High Court.  If it’s not registered, the lender must get a court’s approval to repossess your vehicle.  . You should check if the bill of sale is registered. .  What you should do if you have a repayment problem .  1) check your Bill Of Sale is registered as above .  2) the lender must send you a default notice which complies with the requirements of s87(1)cca1974 .  allowing you fourteen clear days to remedy any default (which can be after one missed payment) .  You should , if your lender will not negotiate a reduced payment, straight away on receipt of the dn .  look to take out a time order. This gains you the protection of the court, which can look into the overall loan-- https://www.nationaldebtline.org/EW/...t/Default.aspx .  What you can do if you have purchased a car with an existing logbook loan .  If you receive a letter threatening to repossess the car or an enforcement officer  turns up at your home to take it, you may not be able to stop them.  . •ask to see proof of their identity and their authorisation to take the car •ask to see the bill of sale document – they have to show you this if you ask for it •if you feel threatened by how an enforcement officer is behaving, call the polic •ask for written confirmation of what has been taken •get the contact details for the logbook loan company. . If the lender has taken your car, you can try to get it back  and reclaim your money from the seller.  However, this can be a costly and time-consuming process and is not guaranteed to succeed. .  If you want to get the car back, you could pay off the outstanding loan  and then take the person who sold you the car to court, to try to get your money back.  .  If you just want to get your money back, you can take the person who sold you the car to court.   Always get independent advice before you decide to take someone to court. .  Some lenders are members of the consumer credit Trade Association (CCTA),  which has a code of practice covering logbook loans.  The code of practice says the lender must register the logbook loan on a register,  so it will show up when you carry out a history check on the car.  It also says they must obey certain rules when they repossess a car. .  If you are unhappy with the way a logbook loan lender or its enforcement officers have behaved,  find out whether they are a member. If so, you can complain directly to the CCTA. However this code is regularly ignored . http://www.ccta.co.uk/content/our-code.aspx .  Finally both the Financial Conduct Authority and the Law Commission are investigating  Logbook Lending  and the associated legislation,  full details here-- . http://www.fca.org.uk/firms/firm-typ.../logbook-loans . http://lawcommission.justice.gov.uk/...ls-of-sale.htm . for anyones info, you must act immediately on receipt of a default notice . What you should do if you have a repayment problem .  1) check your Bill Of Sale is registered as above .  2) the lender must send you a default notice which complies with the requirements of s87(1)cca1974  allowing you fourteen clear days to remedy any default (which can be after one missed payment) .  You should , if your lender will not negotiate a reduced payment, straight away on receipt of the default notice look to take out a time order. This gains you the protection of the court, which can look into the overall loan-- . https://www.nationaldebtline.org/EW/...t/Default.aspx Bills of Sale Act does not apply in Scotland, just to reassure you from the Money Advice Service *Taking out a logbook loan in Scotland*   In Scotland, ‘bills of sale’ cannot be used as security and are not legally binding.   Lenders in Scotland are therefore likely to be operating under different credit arrangements.   If the logbook loan is a ‘hire-purchase agreement’ or a ‘conditional  sale’, your consumer rights and protection under the Consumer Credit Act  1974 will apply. . worth a read http://www.consumeractiongroup.co.uk/forum/showthread.php?472038-ACF-THe-funding-Corp-illegal-repo-now-DCA-Chasing-loan&p=4972172#post4972172 . dx  
    • Can someone please help. I received a money claim and the trial is coming very soon. The claimants are the landlord, sent out a late payment warning letter in 2016, no warning letter has been received since.  I received a money claim against me in December 2018 without a letter before action.  The claimant is claiming breach of contract and they have submitted an agreement with their claim form that I think is invalid because it was created in 2015. We have a newer agreement that was signed in 2016 but the claimants have always denied this.  Today on their witness statement, they have attached this agreement date 2016. Would this make the 1st agreement invalid and would this be enough to get the claim thrown out of court? Any help would be greatly appreciated. Thank you! 
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Parcel2Go have lost a laptop I was returning to Argos for a full refund, They have lead me a merry dance with lots of excuses and won't compensate. What now please?

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Plenty of threads here to see what others did to get their attention...in particular

Andy


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Thankyou very much Andy for your help.  The problem is parcel2go insist they have delivered a laptop and argos say they haven't received it. parcel2go want argos to prove they haven't received it, but parcel2go won't prove they have delivered it. I am nearly £500.00 out of pocket, with argos and parcel2go blaming each other. What shall I do please

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Have Parcel2go provided any proof of delivery?


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NO, I keep asking for it, the poor solicitor at argos assures me they have checked cctv and it has not been delivered. I have threatened to sue Parcel2go but they don't seem bothered.

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How can anyone prove an item *Wasn’t* delivered?.

what a nonsense. If you / Argos are saying you believe it wasn’t delivered, it would be for Parcel2go to prove it had been!

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Please monitor this straight for a fuller reply later.

But the short answer to your question is... Yes, extremely likely.

 


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I attach a copy of an email the Argos solicitor sent to me, I sent this to parcel2go and they still say I need to prove it. It is laughable. I can assure you a donation will be coming your way if I can sue these sods.

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I'm on a mobile phone at the moment so it is very difficult replying. However I have to say that the images you are posting are not very clear and it would be helpful if you would take more care to present your images well photographed and straight without Shadows on them. Frankly you really should be scanning them in pdf format.


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I noticed somewhere that there was a standard letter for Parcel2Go saying about the contract was to deliver item and insurance was not necessary. It was a letter to go to the court and I can not find it, I would be ever so grateful if someone could point me in the right direction. Thankyou

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I am going to sue Parcel2go, which court should I send the paperwork to please?

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mcol northants bulk


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Thank you so much for your reply. I want to do it by the post please not online.

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It might be an idea if you set out your story so that we can give you the assistance you need.

As a matter of interest, why do you want to do it by post and not online?


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Well you seem to be doing okay here.

Why don't you start off by setting out your story


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I did set it all out on here before and I was asked to upload clearer copies so I gave up. You did kindly reply before to me. I will look the court up.

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And did you upload the clearer copies?


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I see that you had a previous thread involving a laptop which is marked as resolved. Is that the one and was it not resolved?


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No it's not resolved, they have given me the run around of course giving me every excuse going, so I am going to sue them and also sue them for stress and anxiety caused

 

These people don't care about the upset they cause, this has really upset me and I have lost sleep over it worrying. My husband is not well and we didn't need this on top.

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Okay, well we will help you all the way if you will let us.

I suggest that you tell us the story – because in this thread we don't seem to have much information even though I have joined it with your previous thread. We really don't have much of a picture of what has happened.

Secondly, although you think it might be complicated to use money claim, it will be reasonably easy and we will help you. I'm afraid that the county courts nowadays are very discouraging of people who want to go to the counter and issue their claim on paper. You will have to accommodate them in terms of their opening hours. You will find it much easier if you do it online and you can take your time and get used to it.

I would suggest that you visit the money claim website – follow the moneyclaim link and register and start finding your way around. You can take your time filling in details and saving your work as you go along. I'm sure that by the time you have been to it to 3 times you will start to feel more comfortable. Eventually you will feel so confident that you will be going crazy seeing everybody who gets in your way – and why not!

At the same time, tell us the story in a nice chronological bullet pointed fashion and then we can understand how best to help you.


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One thing I would like to know is why have Argos sent you this laptop? Had you just bought it from them and it was been delivered to you for the first time? If that is the case then you might be better off suing Argos because they are responsible for delivering the item to you.

I'd like to know also about the exchange of correspondence that you might have had with them.


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Posted (edited)

I just want to mention that in my experience parcel2go is a broker that offers a variety of delivery options from various different couriers for example; dhl, hermes, parcelforce etc. As I understand it your contract is still with parcel2go and they are responsible for dealing with any claims, but it's possible you might be able to reach out to whichever courier was used for more information if they are willing to discuss the parcel with you (for example, if it was hermes you can find an email address for their ceo online and write in your complaint to them). 

Also I believe parcel2go may argue that the level of compensation may be restricted if you didn't take our extra insurance at the time of booking the delivery, up to the full value of the item. Did you purchase insurance?

Edited by bella-bella

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 208 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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