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    • have you proved at what house was it left outside of & stolen from ...yours or the neighbours? the fact it was for a warranty return means nothing. neither does it that the repairer/retailer have special instructions with DPD for them not to leave a parcel outside unless specified by a customer ..you might have overruled them with your instructions on the DPD website, you stated, neighbour/safe space?? if it was left outside your door, which you appear to indicate RE: i can't see you winning this...you created your own problem with what you put on the DPD website?    
    • oh well i wonder what new fake documents they have made up then...for them to try this.... just to check nothing funky like Link have filed an n244 to lift the stay and strike out her defence....she hasnt moved since last court comms has she?   is this an n24? bit unusual for a 13mts stay to just be lifted... has she not received anything from link/kearns in the last fw weeks like a docs bundle? bit like this thread... https://www.consumeractiongroup.co.uk/topic/466576-lc-assetlinkkearns-claim-form-2-mbna-cc/?do=findComment&comment=5256397  
    • if the agreement was taken out jan 23, then she has not reached the 1/3rd mark so the car has not become protected goods under the consumer credit act.  this puts her in a very very vulnerable position regarding ever keeping the car....whereby once they have issued a default notice they can legally send a guy with a flatbed (though they are NOT BAILIFFS and have ZERO legal powers) to collect the car.  if the car is kept on the public highway then they can simply take it away and she will legally owe the whole stated amount on the agreement AND lose the car. if it's on private property i'e like a driveway, ok they shouldn't take it without her agreeing, but if they do, it's not really on but its better than a court case and an inevitable loss with the granting a return of goods order. are these 'health reasons' likely to resolve themselves in the very short term (like a couple of months?) and can she immediately begin working again ? i'e has she got a job or would have to find one?  answer the above and we'll try and help. but she looks to be between rock and a hard place . whatever happens she will still have to pay the loan off...car or no car....unless you can appeal to the finance company's better nature using health reasons to back off for xxx months.
    • no need to use it. it doubles the size of the thread and makes it very diff to find replies on small screens too. just like @username it - sends unnecessary alerts to people. everyone that's posted on your thread already inc you ...gets an automatic email alert when someone else posts.
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      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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Tygermoth & Pops Fight


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Hi all,

 

Been lurking and taking all your good advice for some time. We sent off the DPA, prelim and l. b. a - over the last few months. They have £600 of Our money that we need just to get by.

 

Today recived the 'no refund, your own fault' letter (no offer). So thought it was time to set up our own thread.

 

Idjits, they must realise by now we know what we are talking about and wont just give in.

 

Clock is ticking - Mon the 5th of June and its off to court we go!

 

Tyger & Pop.

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Erm, I just had a spotty nerk on the phone from Halifax - (sounded about 12yrs old) - who advised me that the OFT have allowed the banks to charge up to 12 pounds for a bounced DD etc :confused: - As such i need to re-think the amount im claiming to take this into account. (For example deduct 12 quid from every charge - then the O/S amount is claimable..........)

 

However he sounded really unsure of himself..... I made no commitment or comment and advised i would do everything in writing only... He stated he will send me a letter to conf....

 

Is this correct?

 

This drops the amount im claiming drasticaly - therfore i have the sneaking feeling its a ploy.

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Hello?

 

I noted on another thread (flaura) the person had asked if the £12 was to be deducted and was responded to as:

 

No. The £12 you refer to has no relevance to our cases- Jonni2bad.

Why isnt it relevant? and how do i argue that im not deducting this amount?

 

Thankyou

 

Tyger

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Guest Lueeze

Because if you read the OFT report, they say that even £12 may be unlawful....that would be the maximum charge that MAY be acceptable...

 

It doesnt cost £12 or even £39 for banks to bounce a DD, more like pence, so we are claiming the whole lot back as they have yet to explain how much it really does cost....

 

They are trying to confuse you, ignore it and push ahead! Fools, do they think we would accept that? Good Luck

 

Louise x

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Hello all you good people,

 

Just an update.

 

I have recived a letter of offer today from halifax on the joint account for £112. Which of course i am going to refuse. (well accept, but say pay up the rest or court)

 

Its the sum that they have offered has me worried i may have missed something - from my trawling round this site i note the Halifax only offer a meager sum in relation to the amount outstanding. On this account i want my £400 back. So thats a large chunk in comparision. Make me think i may have been a bit lax with my highlighter!

 

All the best and power to the masses!

 

Tyger

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Oh and oddly enough no letter advising that i need to deduct £12 from charges claimable or showing that it costs them £12 to intervene on your account.

 

How bizzare? i may just ring them to see what excuse they use ie:

 

no note of that conversation

 

no note of that person

 

was sent but 'lost' will resend....... and also never arrives....

 

Off to recheck all me statements and do the 8% calculations ready for court - i am not looking forward to that bit - i hate hate hate working with numbers

 

All the best

 

Tyger

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Oh and oddly enough no letter advising that i need to deduct £12 from charges claimable or showing that it costs them £12 to intervene on your account.

 

How bizzare? i may just ring them to see what excuse they use ie:

 

no note of that conversation

 

no note of that person

 

was sent but 'lost' will resend....... and also never arrives....

 

Off to recheck all me statements and do the 8% calculations ready for court - i am not looking forward to that bit - i hate hate hate working with numbers

 

All the best

 

Tyger

 

 

Hi, I feel like I'm stalking you!! :eek: I'm not honest! :D

 

This is the spreadsheet you need http://www.bankactiongroup.co.uk/files/TEMPLATE.xls that does all the hard work for you!

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Guest blindman

If the claim was issued today (1st June) it will be deemed as served on 6th June.

The 14 days start from THAT date i.e 20th June.

 

If (and they will) Halifax acknowledge the claim then it's 28 days from the 6th June i.e. 3rd July.

 

If all goes to plan they will pay you in about 3 weeks from now....

 

Good Luck.

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Well done and keep at it.

 

They will throw up all sorts of dirty tricks like they did with me this morning. They acknowledged my claim with the intention to defend and asked me to send them a list of the charges so the could negoiate.:mad:

 

Don't settle for anyhting less than you are due mate. Just think - if the boot was on the other foot what would they do? They'd take your house for a £5 debt :mad:

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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