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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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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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