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    • Sorry not sure what you mean, I think I have explained pretty much everything that has happened.  Sold item on ebay and was paid out to me, item got lost, ebay refunded buyer and left my account in minus, 2 years later DRS texting me about the debt owed.
    • I have made some edits. I think it's important to state your ground in terms of without prejudice correspondence and confidential correspondence so that there is no mystery. Secondly, what is all this stuff about "kind regards". Where does the kindness come in? I think you need a change of mindset and unless it is particularly important you think you should change your way of signing off on letters like this. Finally, you have given them to 10 July. Why? You only have to give them 14 days. Do you think that 10 July is going to make any difference? It's nonsense. It undermines your credibility. You need to be assertive and you need to be impatient to get going and they need to understand that – not that it will make any difference. Why don't you say to them that unless you have a satisfactory outcome by 10 July 2025, you will be issuing court proceedings?
    • Case Stay Lifted on 21/05/2024 General sanctions order was made on 21/05/2024   they didnt file their questionarre on time. So they have another 7 days
    • Thank you BankFodder and jk2054. Dear Mr ***** *****, Re: Letter of Claim, Lost parcel delivery P2G123206851 Case Number 3348098 I write in response to your offer of £75 for the loss of the above parcel which I reject. Your offer comes nowhere near the value of the parcel that you were contracted to arrange the safe delivery of. You state that as I did not take out insurance to cover the full cost you will not be making any other offer. Attempting to limit or exclude your liability under the Supply of Goods and Services Act 1982 and your insistence on paying something in addition to the agreed contract price for the service is unfair and contrary to the Unfair Contract Terms Act 1977. If I do not have a satisfactory outcome by the 10th July I will be issuing court proceedings. Kind regards,      
    • Thank you, I suggested a particular approach in my first post. Will you now follow the advice so that we can then understand exactly what has happened and advise you as to what to do.  
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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Student Finance

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Hopefully someone here will be able to assist with this. 

I got married during my time as a student in 2021 and was paid 2 out of 3 adult’s dependants grant to myself but unfortunately ended up divorcing quite early (after 2nd payment) to which I then informed Student Finance and my final payment was cancelled. 

In December 2022, 8 months before I was meant to graduate, I began receiving calls regarding the repayment of this and advisors on the phone told me they were unable to tell me the reason for the overpayment and I would have to call up to ask (their waiting times are like 30-45 minutes on phone). I never found myself having that much time to call, although one lady who called me after regarding the overpayment then told me I had not provided evidence of the date of divorce which I had uploaded onto my account soon as I received it. She said the only way would be to call one of the advisors. 

I ignored future calls as I was busy and they would only call for about 10-15 seconds at a time expecting me to run to my phone and pick it up. I sent a letter to them mid August via first class and ended up with no response but a letter today saying my £2062 grant overpayment has now been handed to a debt collection agency. 

Their business hours have now changed to weekdays only and I’m due to start my new job Monday where I’m working the same hours as their opening times. 

Could anyone advise on what to do next as they have no email to contact, their lines are unreachable and they don’t even respond to letters! 


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Use the complaints process link below and if the debt collection company write to you, send them a copy of the complaint.


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Which powerless DCA have they farmed it out to?

Don't be in the slightest bit concerned about the DCA, they have NO legal powers to do anything, plus the letters you receive from them are simply spat out by a computer.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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