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    • Thank you. You contacted directly with the parcel broker so your best option is to proceed directly against them for breach of contract. I hope you have read enough to understand that you will not be able to rely on the Consumer Rights Act 2015. Do you understand why? Have Parcel to Go giving you a reason for declining reimbursement? Do you have anything in writing from your customer which shows that they did not refuse delivery and which identifies the actual circumstances of the situation?
    • Which Court have you received the claim from?  CIVIL NATIONAL BUSINESS CENTRE, NORTHAMPTON Name of the Claimant?  LOWELL PORTFOLIO LTD How many defendant's joint or self?  SELF Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.  03 MAY 2024 Particulars of Claim What is the claim for – the reason they have issued the claim?  THE CLAIM IS FOR THE SUM OF £6000 DUE TO THE DEFENDANT UNDER AN AGREEMENT REGULATED BY THE CONSUMER ACT 1974 FOR A LLOYDS BANKING GROUP PLC ACCOUNT WITH AN ACCOUNT REFERENCE OF (ACCOUNT NO. 16 DIGITS LONG). THE DEFENDANT FAILED TO MAINTAIN CONTRACTUAL PAYMENTS REQUIRED BY THE AGREEMENT AND A DEFAULT NOTICE WAS SERVED UNDER S.87(1) OF THE CONSUMER ACT 1974 WHICH HAS NOT BEEN COMPLIED WITH. THE DEBT WAS LEGALLY ASSIGNED TO THE CLAIMANT ON (DATE) NOVEEMBER 2016 NOTICE OF WHICH HAS BEEN GIVEN TO THE DEFENDANT. THE CLAIM INCLUDES STATUORY INTEREST UNDER S.69 OF THE COUNTY COURTS ACT 1984 AT A RATE OF 8% PER ANNUM FOR THE DATE PF ASSIGNMENT TO THE DATE OF ISSUE OF THESE PROCEEDINGS IN THE SUMBE OF £0.00. THE CLAIMANT CLAIMS THE SUM OF £6000. What is the total value of the claim? £6500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? YES, NOTICES OF CLAIM.  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  YES  Did you inform the claimant of your change of address?  NO 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?  BEFORE   Do you recall how you entered into the agreement...On line /In branch/By post?  I DONT RECALL   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  NO   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.  DEBT PURCHASER.   Were you aware the account had been assigned – did you receive a Notice of Assignment? THE FIRST I RECALL WAS A LETTER FROM LOWELL SAYING THEY NOW OWNED THE DEBT.  Did you receive a Default Notice from the original creditor?  NOT THAT I RECALL OR BEEN PROVIDED WITH THROUGH CCA REQUESTS.AT LAST REQUEST THEY SAID THEY WERE AWAITING THE DEFAULT NOTICE AND NO ACTION WOULD BE TAKEN UNTIL RESPONDED WHICH TO DATE I'VE NOT HAD OR SEEN.  Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  NO, I RECEIEVED LETTERS OF CLAIMS   Why did you cease payments?  I WAS UNDER MEDICAL CARE WHICH CAUSED ME NOT TO WORK. AROUND THAT TIME LOWELL HAD WANTED ME TO INCREASE MY PAYMENTS AS IT WOULD TAKE TOO LONG TO CLEAR THE DEBT. I HAD BEEN PAYING THEM WHAT I WAS PAYING THE BANK. I EXPLAINED MY THEN HEALTH & FINANCIAL POSITION AND THAT I WAS UNABLE TO DO SO. THEY PUT A HOLD ON MY ACCOUNT FOR A FEW MONTHS SO I CANCELLED MY DIRECT DEBIT. I MADE A FULL AND FINAL OFFER WHICH WAS REJECTED. WHEN THEY WANTED PAYMENTS TO RESUME I EXPLAINED I WAS IN A WORSE FINANCIAL POSITION, STILL UNDERTAKING TREATMENT AND NOW UNEMPLOYED SO COULD NOT START PAYMENTS AS THEY WANTED. AFTER SENDING MY FINANCIAL SPREADSHEET THEY KEPT SENDING LETTERS ASKING WHAT I WAS GOING TO DO. I COULDN’T SEE A WAY FORWARD I FELT STREESSED AND UNDER PRESSURE SO WROTE THAT I WOULD NOT BE CORRESPONDING WITH THEM ANYMORE.    What was the date of your last payment? NOVEMBER / DECEMBER 2018   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? I COMMUNICATED MY FINANCIAL PROBLEMS WITH THE CREDIT CARD COMPANY, WE MADE A MONTHLY PAYMENT AGREEMENT WHICH WAS KEPT FOR SEVERAL YEARS UNTIL DEBT WAS SOLD.  
    • Perhaps you would care to read this and reflect on your continuing comparison of Israel to Nazi Germany Jugg    ALEX BRUMMER: How grotesque of pro-Palestine protesters to besmirch Auschwitz, the place where my grandparents died WWW.DAILYMAIL.CO.UK As the son of a refugee from the horrors of the Holocaust, I can feel nothing but contempt for the ignorance, gross... My elderly aunt Sussie and cousin Sheindy had been teenagers at Auschwitz and Belsen but survived and are alive to this day. What they will make of the protesters who waved flags, heckled and chanted as Israelis took part in the March Of The Living – the annual walk from Auschwitz to Birkenau – I cannot imagine. The images now circulating of the protesters are indescribably disturbing. They can only bring back memories of those final moments Sheindy shared with my grandparents when my grandmother Fanya squeezed her hand and told her to lie about her age to avoid the gas chambers. Claiming she was older, and could work, meant that Sheindy lived, not died. The outrage perpetrated by Hamas on October 7 has brought back the most terrifying memories for these two women – memories of pillage, mutilation and starvation. The Holocaust, or Shoah to use the Hebrew word, was the deliberate, industrial-scale killing of Jews.  It is bad enough that pro-Palestinian and pro-Hamas sympathisers have chosen to steal the language of the Holocaust.  Any comparison between Israel's retaliation and the monstrous genocide of the 1940s is odious and anti-Semitic
    • Thank you JK2054 and BankFodder for your replies. The information requested is as follows:   My wife and I are sole traders supplying bespoke, handmade wedding trays and other items through our website. We do not sell on ebay. We had an order for two trays (invoice value £370) that were shipped on Monday 25th March. We used P2G as the broker and Evri as the shipper. We declared the value but did not take out insurance. As the trays were a present for a wedding on Saturday 30th March we checked the progress of delivery on the Thursday to see that there had been an attempt to deliver on the 27th but the driver failed to deliver as the customer’s gate was shut (customer informs us that the gates are open between 7am-7pm. We contacted the customer who informed us she had been waiting in all week and there had been no attempt of a delivery. Evri allege they attempted to deliver on the 28th & 29th. On the P2G web site on the 4th April at 14.17 it stated that the customer refused delivery. At 14.28 it updated to say there was a problem with the address and at 14.32 updated to say the customer had refused delivery. At 14.35 updated again to say it was being returned. Last entry was on the 7th April that it was being processed at the depot. We never received it. I have had six web chats with P2G between the 4th-30th April. On the 26th April, I had an offer of £20 plus cost of delivery (£6.72) from P2G which I rejected. During this time, I also contacted Evri that resulted in an email from Evri Customer Services (20th April) stating that they had lost the parcel. I replied requesting details of the attempted delivery but received no reply. After emailing Evri again on the 23rd asking again for the information I received a phone call from someone called Haleemah on the 25th who apologised and promised to send an email with a link to submit a claim form. I subsequently received an email with the link which only took me to a page that stated “Page not found”. After informing Evri customer services of the problem (to which no reply was forthcoming) a couple of days later I retried the link but it only took me to the Evri website. I believe that I have a good case against both companies but would appreciate guidance on which path to go down. I have read most of the information on this site, which has been very helpful and much appreciated, particularly the various court transcripts. I appreciate that this process is a marathon and not a sprint and am fully aware that I need to get everything in the correct order before starting on the legal road. I am sure this covers the current position but if further info is needed please let me know.  
    • Everything at small claims revolves around informality and common sense, there are no "special" ways to have to do things. The site manager's WS will be like yours and the one I linked to - just much shorter.  There need to be the introductory hearings about the case, the parties, etc., and the concluding Statement of Truth. In the middle just a couple of paragraphs where they say who they are, how they know you, and about permission being given by the landowner to use the car park. Superb.  I've added another section about the signage to the suggested WS sections three posts above. Yes, it's perfectly possible.  It'd be a good idea to phone the court on the 18th to see if they have paid.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Letter Of Claim for death of cat now Court Claim received.


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I think you should respond immediately with a letter.

Letter should say that you do not accept any responsibility but you would be interested to receive any evidence of injury or damage and of expenses incurred.

 

Tell them that you require pictures of the cat before and after the incident . You require a report from the vet which apparently treated the animal. If there are two vets then you require a report from each of them including invoices for any expenses incurred .

 

Also make it clear that you understand from what he was saying at the time that he was a police officer and so therefore you'd like to have his collar number.

 

Also, if any expenses were incurred in burying the cat then you would like to have a report on an invoice for that .

 

That you want this documentation simply to confirm any claims that they are making. But if it goes to the court but you will require these documents are produced before the court and are justified.

 

Draft a letter and post it here .

I suggest that you do it quickly. We will have a look before you send it off

 

Also, in your letter point out that in respect of their claim that the cat is a pedigree Bengal cat, you required to see any registration documents and evidence  of pedigree and the bill of sale which they must have received when they originally bought the animal.

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  • dx100uk changed the title to Being threatened with small claims court for death of cat

Your response seems to be rather conflict oriented .

I suggest very strongly that you post the draft of your reply here so that we can have a look before we send it off.

 

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Maybe they are pulling a fast one, but there are slicker ways to deal with it .

 

Post your draft reply here 

 

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Instead of spending time, posting information here, you would be much better off spending the time drafting your proposed letter and then posting it here so we can check it and then you can move on .

 

If you aren't prepared to do that, then there is probably not much we can do to help you

 

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You have already been advised as to what to increase in the letter. 

 

I, don't think we can help you any further until we see the draft 

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  • dx100uk changed the title to Letter Of Claim for death of cat

Please monitor this thread for further input later on today.

Don't send your letter yet

 

Quote

Dear XXX

Thank you for your letter before action.

For the avoidance of doubt, I do not agree that I have any responsibility in the matter or that I owe you any money.


However, I have great sympathy for the loss of your pet. The loss of any loved family animal is always a blow. Because of this, I have already indicated to you that I might be prepared to make some contribution to the expenses incurred by your loss. However I would not be prepared to consider this in any atmosphere of conflict.

I notice that in your letter you have listed a number of expenses which you have apparently incurred.
I would be grateful if you would let me have the documentation in respect of these including the reports of any work carried out by vets, diagnosis and conclusion.
I would also like to know why you visited two vets.
Similarly please supply me with documentation relating to the burial of your pet along with any comparator estimates which you would have obtained in order to decide the most economical way to proceed.


I notice that you incurred certain petrol costs. Please let me have receipts and also an explanation of the mileage involved.

 

I notice also that you say that the majority of your expenses have been covered by insurance. Please will you let me know what they are so that I can understand what portion of the money you are seeking from me is represented as a percentage of the total insurance payout.

I would suggest that the best thing to do is to provide me with any relevant insurance documents.

I understand that your deceased pet was a pedigree Bengal. Please supply me with details of pedigree registration, original purchase receipts, and details of the microchip registration. Also any recent veterinary reports relating to the health of the animal.
Please would you also supply photographs of the pet before it received any injuries and afterwards.


I have been led to believe from one of the texts I have received is that the animal was suffering from a hernia. I think that in the circumstances it would be reasonable to provide me with a full health report in respect of your pet. There must be one, at the very least because of the hernia problem.
Of course it is unusual for a pedigree animal of this kind of value not to be kept inside the home. Maybe you could let me know why on this occasion your pet was out of your house and even to the extent that it was in a public space where it apparently attracted the interest of my dogs. Please could you confirm that the home of the cat is the address from which you are writing and if not what is the address of its usual home.

 

I should point out now in the event that you feel reluctant to provide me with the documentation I'm seeking, that if you do decide to bring this matter to court then  I am quite certain that you will be required by the judge to produce this paperwork in open court by way of evidence.

 

Once I have received the above documentation then I will be better able to understand the position and whether further documentation is required.

In terms of the contents of your letter, I'm afraid that your recollection is completely different to mine. Apart from expressing sympathy for the situation, I have not accepted any responsibility. Also, the incident occurred on public land, not on your own private property as suggested by you.


Quite understandably you were extremely angry but at one point you did claim to me that you were a police officer. I now understand that this may not be the case. Of course, many things were said in the heat of the moment.
The police were called and have reported back to me that they have no further interest the matter because no crime has been committed.

 

Finally, I see that you propose using some Alternative Dispute Resolution service to resolve this problem. It is always a sensible idea to seek alternatives to court action if at all possible in order to reduce your liability for costs in the event that you lose your action.
Please will you tell me which ADR service you have identified and how you would propose to proceed.

Yours sincerely

 

 

 

I suggest that you sent the letter above without any changes unless you see that there is something which is not correct although I have misunderstood some part of your account.

Go and get photographs of the area where it happened.

Get a Google map and identify with crosses where you were, where the dogs were, where the cat was, with the border to their property is – as such.

Make it nice and clear.

Upload the marked Google map here in PDF format.

If you upload any more documents, please will you upload them in a proper format rather than simply photographed document in the way the the letter of claim has been presented to us and which frankly is rather scrappy.
We help you for free but part of the deal is that you provide us with sight of documents in good condition and properly scanned.

If you don't have a scanner then you can buy one for about 50 quid curries or else you can use an app called Adobe scan.

 

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11 minutes ago, theberengersniper said:

@danyboy72 - You'll want to carefully read and correct some spelling issues with Bankfodder's suggested reply, don't just copy and paste it into a letter. Bankfodder uses dictation software, so these things are inevitable and a tiny price to pay for their experience in dealing with these sorts of issues. 

 

Thanks for this. I'm afraid that it is a mixture of my poor articulation and my dictation software.

I've gone through and made quite a few edits and hopefully corrected most of the typos or missing words.

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Are you saying that the cat in question was one of a number of Cats which are living in an open field?

Is the field fenced off with anything which might prevent cats from leaving it?

 

A photo would be useful

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Thank you. Standby because I may make some edits to the letter.

Any chance that you might get photographs of some of the cats out on that verge.

Any chance that you might get a neighbour to give you something in writing in relation to cars having to stop to avoid cats? (Leave that until a claim is issued, if at all)

Are you able to get a good photograph of the dilapidated fence

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I have made an amendment to the proposed letter above – in red

 

If you are happy with the letter that I suggest that you get it off in the post today. Send it recorded delivery if you can.

Keep us updated as to any developments.

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That's helpful but get a picture of the dilapidated fence when you can.

Send the letter off

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Also, in case it needs pointing out to you, don't have any more contact with them. Ignore any text messages, telephone calls – anything. Don't make any further offers to pay any money at all.

Decline to comment. Refuse to answer questions.

Report everything to us first

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Please continue as instructed. Ignore and post the letter.

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No

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Have you posted the letter?

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@danyboy72, @whitelist - I'm going to move these posts to the bear garden if this continues.

 

Has the letter been sent?  Why not.

There are very limited costs in a small claims action

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Keep a backup of all texts received – off your phone just in case.

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Yes, I agree with my site team colleague above. Whatever you do don't deliver it by hand. This will only lead to face-to-face conflict, contradictory stories and accusations.
First class post is fine with a certificate of posting.

 

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Okay, absolutely nothing to do now rather than wait either for the evidence that you have asked for or else the claim form.

 

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  • 4 weeks later...

I haven't really been following this discussion very much although I am aware that it  has been going on, and on, and on, and on….

Could you just do a recap in terms of the evidence you required please.

Please can you list out the documents that you asked to see and what the response has been in respect of each one.

Please don't get into a narrative about this. Really we just want lists.

Also if you think there is anything missing – please list that separately.

I believe that they sent your letter of claim. When did they send that to you and how many days did it apparently give you. I expect we are beyond their deadline by now. By how many days has their deadline expired

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Thanks for this.

Haven't made any comment about the veterinary work. Has she supplied you with details? Is there a bill for it?

Has she let you know the insurance details that you have asked for? We would also want to know about how much money has been paid by the insurers and in respect of what expenses.

 

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Sorry but could you just give me some brief answers to the questions I have put .

I really don't have the time to go through nearly 25 pages of poorly scanned documents for you.

 

Please do be aware that we are trying to help you free of charge.

We're not asking you for money and we don't have administrative support. We rely on you to try and be a straightforward and as easy as possible

 

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I don't think you should put anything which suggests any possibility that you might pay anything at all.

 

Quote

Dear XXX

Thank you for your letter containing certain evidential documents. I notice that not all of the questions I have put and the requests that I have made for evidential documents have been met.

I think the best thing you can do now is to issue your claim and we will let a judge sort it out in court.
You can be certain that the judge will want to see proper evidence and hear testimony from vets et cetera.

I suggest that you take some legal advice because you will find that almost everything that you are claiming is not considered to be a valid head of damage.

And as for the rest, I expect that a judge will consider that there is no liability at all and that you will not succeed in getting a judgement and you will be saddled with the cost of the action.

Good luck

Signed

 

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After you have sent the letter, don't respond to anything further – whatever it is.

Tell us about it first but probably we will recommend that you only respond if you actually receive a claim form.

Frankly I think it is most unlikely that you receive a claim form.

I think I did ask you earlier on when did the deadline in their letter of claim expire. I don't think you answered this

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