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    • When it might be an idea if you sent a message and asked if she would be prepared to share with you what the reply was from Aviva. Tell her that's important because you are trying to recover from all the allegations of fraud and the damage to your credit file
    • Just had a thought, do you have a copy of a blank COP3 saved on your computer, from when you were downloading all the forms?   You can type your part of the form and save it and then forward on that version. Might be slightly more work for yourself if you've already handwritten a version, but would save on scanning if that's going to be messy for you.
    • Yorky, do you have a smart phone?   HB
    • I am a regular (many years)  P2G user and selected them to use Parcelforce 48 service to send a gazebo I sold on eBay.  Parcelforce 48 have an automatic max £100 compensation for lost items.   Parcelforce lost the item. P2G state the £100 compensation Parcelforce offer within their price, does not get reimbursed to them, so they can't reimburse it to me. However, it would have been reimbursed to me had I used Parcelforce 48 direct, rather than go through P2G.    It seems rather strange that when I pay P2G to buy Parcelforce 48 service on my behalf, they buy a different service which excludes the automatic compensation.   They also lost another £40 parcel (which I did not buy additional insurance for, because it was an excluded item).   They also broke an item prior to delivery (which the addressee rejected as it was clearly a damaged parcel). The thing is, if a parcel is rejected by the addressee, what should they do with the failed delivery?   In this case they threw away the parcel and 'broken' contents rather than return to sender and refuse to compensate me because I (again) did not buy the additional insurance.   I have escalated the rejected claims and they agreed as a gesture of goodwill to reimburse the postage costs for all three items. (I would have expected this as a matter of course) .    Clearly many will consider I should have bought the extra insurance. I often do, but feel the extra costs involved would be greater than the odd loss ( having never had a loss in a couple hundred sendings), I only pay extra on certain items.   I feel a summons coming on, so would be happy to receive any ideas. Even if P2G have a rock solid defence regarding my lack of buying insurance, I still fancy testing their resolve and seeing if they fancy a hearing.      After escalating my claims, they agreed to refund the postage costs only.   I have therefore issue a Notice Before Action for the value of the lost items £180.   Notice Before Action Dear Sir/madam You have lost the following items. 1)      1 2)      2 3)      3   I understand you eventually accepted liability for these lost items and have agreed to reimburse the postage costs but not the values.   You suggest this is due to my failing to take out additional insurance.   I am not prepared to accept your position and shall be issuing a summons on 18th August for £180, should you choose not to reimburse the values allocated to the items you have lost.   In particular: Item 1) This parcel was damaged by your courier and rejected by the addressee. It appears rather than return the parcel and contents to me, your courier decided to throw the item away. Thus the item has become lost, and therefore (due to my not paying extra for insurance against loss), you have chosen not to compensate. Do you seriously expect to ‘lose’ an item on purpose by throwing it away, and then claim it has been lost and therefore not covered?   Item 2) This parcel was lost and I made a claim. During the period of claim, the parcel was found and began to track. Ultimately being delivered (according to an email to the addressee, at 1.41 am 19 July 2020). Clearly the parcel was not delivered at such a time.   You have subsequently suggested delivery was at a different time. Despite these suggestions of proper delivery, you have been unable to prove delivery at all, the addressee has confirmed he has not received the item and you have accepted the item is lost.  I do not accept you can be so careless as to lose an item twice.   When I purchased this sending through P2G, I selected Parcelforce 48 as the courier. This service has a compensation value of up to £100 for loss. This is why I selected them.   It appears however, you chose not to purchase this service from Parcelforce, but an alternative service purporting to be Parcelforce 48, but excluding the standard compensation.  This is not what I had purchased. I do not accept your claim that I should have paid extra for insurance for you to insure, when I had already purchased a service which carried automatic insurance.   Further, the service was supposed to be a 48 hour service. The parcel was not collected within the 48 hour period, let alone delivered within it.  I consider the delays in ensuring delivery within the expected timeframe would have contributed to the loss of this item. I hold you responsible for the loss.   Item 3) This item was also subject to a claim for loss. During your investigations, this item was also found and started to track. Messages advising  "Enquiry resolved", "INT Hold" and "Out for delivery”, suggest the item had eventually been found.   I do not accept you can be so careless as to find a lost item and subsequently lose it again, regardless of whether I had purchased additional insured.   Indeed, the option to purchase such insurance was not available as the item appears to have been excluded from such insurance.   Yours faithfully
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DQ received despite Lowell not responding to CCA Request


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Good afternoon all,

 

I am wondering if someone could maybe give me some advice on a current claim I have against me.

 

I have done a lot of research on this knowledgeable site but not sure where to go from here.

 

I received a claim against me from Lowells solicitors for a credit card debt back in Jan/Feb.

 

I did as I thought right after reading on here and sent a CCa request to Lowells and a CPR request to Lowells solicitors.

 

I never received anything so filed a defence basically saying that I denied the allegation and lowell have failed to provide proof etc.

 

I then received a directions questionnaire which I should have bent back 10 days ago but I forgot to send it.  I kept meaning to contact you guys on here to ask how I should proceed as I didnt think that they could proceed without providing the CCA and what with this awful situation that we are all in and being a key worker I have been so stressed with everything I have just forgot about it and It just dawned on me that I havent done it.

 

So I am probably up the creek without a paddle and dont know what to do next.  they havent answered my requstes but I havent sent back the DQ in time.

 

Any advice would be greatly appreciated.

 

Thank you

CBTO

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check the status of the claim on mcol

 

send it now by emailto the court

won't hurt at all under the current covid-19 situation

 

follow the last few posts here

 

 

if you can do the relevant questionaire too in that thread that will help us further

you can use 2nd class for Lowell sols, that's well ok.

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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Hello

 

In my experience if you do not return the directions questionnaire by the correct date then the court will send an order to you that you must complete it by the date on the order or the case will go against you (essentially this is a reminder).

 

So not to worry.  If you have not received that document then just send the directions questionnaire in and if you have received the order then send the directions questionnaire in before the date of the order.

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  • 2 weeks later...

posts moved

 

did you email you DQ CBTO?

 

 

 

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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