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    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
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      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.

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Any advice loan repayment in 1 year.


Sandy483
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Loan taken out over 6 years in 2004 for £4500 interest was being applied as £55 upwards a month.

 

I became unemployed and they would not stop the interest and added a further 3 months total of £163.61

 

I managed to get some money and paid an amount of £4708.40 by the 12 month of the loan as i knew i was now going to be Long term sick.

 

I had asked the bank upon such a large payment on the 12 month could they do something with the loan % rate.

 

But they were of no help at all.

 

a year laetr i have paid a further £160 from the loan

 

As it is at this time i have now paid £4868.40

 

Does anyone know of any rights i may have from paying back such a large amount with in the first 12 months? I cant belive they can still treat me as if i have a 6 year loan when I have paid so much.

 

I just havent got a further £360 they want to close.

 

I want to pay my loan or i wouldn't have paid back £4750 in the first year, I would just like to gain some closure on this account if it is possible. or its £1 a month for years, and just something else to worry about that could be off my back.:(

 

It would be interesting to know what the % pay back would have been on £4500 over 12 months.

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Maybe tell us which bank / institution the loan was with and someone might be able to supply some specialised advice.

 

Might also be an idea to post in that banks individual forum as someone in there may have been through the same thing.

 

As general advice based on what you've said ...

 

If your communicating with your local branch, maybe send a letter to the institutions head office, informing them of your situation. You are presumably a valued customer, you have taken out a loan and you want to repay it early (or have paid back most of it) ... you would assume that they would be willing to accommidate you, you have paid interest on what you have borrowed over the time you have borrowed it, they want to keep your custom. You may have to pay an early repayment charge, but im sure they would be willing to help you. There may be a policy or something forcing them to not reduce the remaining payments, but if you sent all the details off to the head office, Im sure they would be willing / capable of helping you out.

(Just my personal opinion, not based on any experience or knowledge)

There's a thing on this site, havn't looked into too much, but you can buy pre-printed "Consumer Action Group" envelopes or something, If you send them, Im sure it will put the poops up them and semi-force them into acting in your favour, as they know the Consumer Action Group, and they know any misgivings you have with them will be posted on here in a second ... which the don't want ... might be worth looking into.

 

Good Luck!

01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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edited

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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They wont budge, they will do nothing to help me, state I'm unemployed and nothing can be agreed.

 

Just wondered how i stand with future Default and paying, the loan is paid ahead 40 months or more, my statements read nothing owing, not sure what to do.

 

If i pay the £1 a month would they have grounds to DCA, as i say the loan is paid 40 months ahead:eek: .

 

Would the status of the loan need to be in arrears for this loan to be taken any further.?

 

Thanks for the reply, i think i have exhausted most avenues with the bank, thats why i want to find out my rights as this stands.

and!

I know they are enjoying every minute of this as they could well be helping me after all Who wants to be paid £1 a month for years?:(

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Sorry Sleepz never read upwards first:rolleyes:

 

Maybe tell us which bank / institution the loan was with and someone might be able to supply some specialised advice.

 

Lloyds

 

Might also be an idea to post in that banks individual forum as someone in there may have been through the same thing.

 

Will Do did look in it but it seemed more charges based and couldnt find a loan section

 

As general advice based on what you've said ...

 

If your communicating with your local branch, maybe send a letter to the institutions head office, informing them of your situation. You are presumably a valued customer, you have taken out a loan and you want to repay it early (or have paid back most of it) ... you would assume that they would be willing to accommidate you, you have paid interest on what you have borrowed over the time you have borrowed it, they want to keep your custom. You may have to pay an early repayment charge, but im sure they would be willing to help you.

 

Written To chief executive, loan was with collections only collections can decide

 

There may be a policy or something forcing them to not reduce the remaining payments, but if you sent all the details off to the head office, Im sure they would be willing / capable of helping you out.

 

They flatty refuse

 

(Just my personal opinion, not based on any experience or knowledge)

There's a thing on this site, havn't looked into too much, but you can buy pre-printed "Consumer Action Group" envelopes or something, If you send them, Im sure it will put the poops up them and semi-force them into acting in your favour, as they know the Consumer Action Group, and they know any misgivings you have with them will be posted on here in a second ... which the don't want ... might be worth looking into.

 

Have some, and im running out thanks for the reminder;)

 

Good Luck!

 

Honestly Sleepz short of writting to the Queen i couldn't do anymore than I have done.

 

I just dont understand thier logic, if they have any.

 

As i have just posted above i think i have to now find where i stand with this and what they can throw at me.

 

Thanks for the tips :)

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