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    • once a debt is sb'd nothing not even a judge can unbar it no harm in talking to BC at all. they are nothing to do with the claim they sold the debt in .........see NOA letter    
    • Here are the Particulars of Claim   Name of the Claimant ? Hoist Finance UK Holdings Limited   date of claim - 30th January 2020   Date  to acknowledge) = 17/02/2020   date to submit defence = 02/03/2020    Particulars of Claim   1. The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03   2. The defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974.   3.The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd(Ex Barclaycard) Written notice of the assignment has been given.   4.The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Spoke to them many years ago   Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   get him to ring BC ask last payment date tomorrow.    
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eshroom

P2Go Lost Item

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So it looks lie Parcelforce via Parcel2Go may have lost my parcel, it's not been 4 weeks yet.

 

- I sent an automotive clutch, brakes and DMF, properly declared and insured to £300 with P2G.

- Sent to Greece 2 weeks ago

- Still not arrived

- Parcelforce website covers small automotive parts for loss, P2G website excludes them from being covered

- I didn't read about this exclusion and assumed as Parcelforce covers them for loss, P2G would too

 

Any experience with this kind of claim? If parcel doesn't turn up, do I stand a change of winning?

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So I understand that you use Parcel2Go – the online service to send these car parts to Greece and that they were sent by Parcelforce. Is that correct? They were declared and insured to £300 with Parcel2Go. However you have now discovered the Parcel2Go has got them on the list of prohibited items even though you declared them and they accepted the insurance money. Is this correct?

Have you begun a claims process against anyone yet?

What is it about car parts that Parcel2Go would include them on their list of prohibited items?


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1 minute ago, BankFodder said:

So I understand that you use Parcel2Go – the online service to send these car parts to Greece and that they were sent by Parcelforce. Is that correct? They were declared and insured to £300 with Parcel2Go. However you have now discovered the Parcel2Go has got them on the list of prohibited items even though you declared them and they accepted the insurance money. Is this correct?

Have you begun a claims process against anyone yet?

What is it about car parts that Parcel2Go would include them on their list of prohibited items?

 

Yes correct. I haven't started a claims process as I want to give them a bit more time to get there, they were sent two weeks ago.

 

Parcelforce don't cover fragile car parts (windows, door panels etc.) But do cover small parts such as those I sent. I don't know why P2G won't cover them.

 

I did declare them as car parts and the insurance element was paid for.

 

(To answer a question you asked my in another thread but that may also be relevant here, I am not a seller, this was sent by me to a friend to fix my mum's car in Greece)

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Please can you post a link to wherever it says that they are not covered by Parcel2Go


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So I see that there is a category which is called "items requiring more information" and that category includes car parts.

Presumably when you bought the insurance you provided more information? Or you gave some description? Or are you assuming that your consignment was in the "no protection category"


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I listed what the car parts were. And I think that's what this section requires. It is to ensure you aren't sending things that might contain oil or petrol or other prohibited things.

 

The specific car parts I sent I believe fall under "small car parts" and are not covered according to P2G.

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Did you take screenshots or anything of the descriptions that you gave? Do you have any evidence to support you say?

In any event, you paid for the insurance, you declared the parts having given the descriptions and they accepted it all on that basis. You have begun the claim procedure yet so I suggest that you do so. We'll see what happens.

In any event, it could be said that the various sections are contradictory. Parts relating to vehicles are containing three separate sections and it is relatively difficult to discern which section a particular part should come into.

Section 69 of the consumer rights act relates to ambiguities and basically says that an ambiguity must be interpreted in favour of the consumer.



 


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The site has a drop down for different postal services, implying the exclusions are based on the service you use, yet when you select different services the exclusions appear to remain the same, and certainly in the case of Parcelforce do not tally with the cover included by Parcelforce.

 

My P2G account still shows the declaration I made.1565771707_Screenshot2019-12-07at12_18_26.thumb.png.30714428b33bebcd521743361028bb6f.png

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