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    • Morning guys As Bank suggested, I've now re-worked my POC to include details of my parcel's original loss,  miraculous rediscovery a month later and subsequent delivery, albeit having been opened and the contents removed. Grateful for your thoughts please, as (P2G having gone very quiet) I intend to initiate court proceedings against P2G tomorrow - 1 May. Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant failed to arrange for the safe delivery of the claimant's parcel containing 8 second-hand 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 whilst Evri collected the parcel for delivery on 18 March 24 they then ‘misplaced’ it a day later, formally declaring it lost on 27 March. On 16 April they found it and delivered it on 17 April but, at some point before delivery, it had been opened and the contents removed . The defendant 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 also 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  
    • Odd one this, I recieved 2 notice's for the 18th and 19th April stating that I overstayed on Wigan Robin Retail Park. Permitted Minutes 180. They state I was there 355 minutes on the 18th and 388 minutes on the 19th. Both times I was there around 10 minutes getting my wife a brew from costa after dropping the kids off at school.  On both days I had passed through there a second time around 3pm, again to get a brew then left. Both notices have 2 images each, Entrance and exit.  This is the interesting bit. The Entrance images both timestamped actually clearly show I am exiting the retail park not entering it. And the exiting images they provided show me leaving the carpark after visiting a second time later in the day. In the attachments You'll see all 4 images show that I am exiting, none of them are of me entering. I understand most if not all that see this post won't know the area but if the look at the map link i gave you'll see the road I was on leading up to the main road. g24 ltd 1.pdfg24 ltd 1.pdf GoogleMap view of the road I am on in the entrance images I would have had dashcam footage but I since formatted the memory card. I tried recovery tools but I couldn't get the files back.  
    • An update: I just got another PCN. I get the feeling that someone in the residence is calling OPS, as it's dated for a few mins after I parked. I won't appeal of course. Interestingly, our cleaner was also parked but didn't get a PCN. I asked them why and apparently they're whitelisted. I did ask the MA if they could whitelist me and they said they couldn't. Clearly they decided not to tell the truth. Surely, this would resolve all of the issues entirely i.e. we'd keep non-residents from parking, whilst allowing for residents to park without issue? Also, could OPS now take me to court for both PCNs separately, or could it be one case?    
    • I was with sse broadband until Jun 2023 at which point without notifying me they passed me to origin broadband who I was unaware is my supplier now -  My broadband at home kept working and I was under the impression that sse are taking direct debit payments from my bank account and everything is fine because the Internet has continued to work.  To my horror I have just noticed that origin broadband has been sending me PDF bills for £39 a month and the email heading has been showing as just no reply so I thought it was junk and never bother to check it.  I have now noticed a bill every month and now I owe them some £350. I did instruct origin to supply me Internet and therfore don't feel responsible for this debt.  What are my rights and is it a legal debt considered I did not sign any agreements with them - their first contact with me tho was very clever back in July 2023 trying to lure me into an agreement however because I just saw that email now I'm not sure what to do because I owe them 400 pounds nearly supposedly at 39 per month.  Our agreement with sse was for 26 per month but they shut shop and passed us to origin without asking our consent.    The following is what origin email said back in July before they stated sending invoice every month for payment.    We hope you're enjoying your reliable phone and broadband with us. We're just letting you know your phone and broadband package will end on 30 Jun 2023. Thankfully, good things don't need to come to an end - read on to decide what you want to do next.   Below you'll find the details of your current package and some other great options to compare it to.   What can I do - shall I just pay the debt and cancel it and move elsewhere or is there any way I can fight this as they are more or less enforced upon us with out permission by sse who most Likly sold our accounts to them.    Any help greatly appreciated 
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RBOS agreed to pay but I want settlement by cheque


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I have asked to be payed in full by cheque because my rbos account was handed over to Credit Management Services(CMS) This account has a personal loan outstanding on it(taken out only to pay off account which was 80% bank charges)

 

I wrote to them rejecting their offer of full payment into this account and asked for a cheque in settlement. I will then pay off the personal loan via regular direct debit.

 

I have recieved a letter stating " The Bank's Customer Relations Unit has advised this office that you have accepted a full and final settlement for the reimursement of fees and charges on your account- I never signed the acceptance letter and did not return it

 

A figure of £1100.00 has been credited to your account,which after repayemnt of any other borrowing,has bought your accounts into credit by £171.51 A cheque for this amount has been enclosed.

 

Where do I go from here?

 

Do I cut my losses or do I fight this all the way and reject this enforced offer and stiil demand a full cheque?

 

All help gratefully accepted

 

Cheers

 

Baslow138

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You can fight it, but you need to convince a judge to accept that you should be paid by cheque not through your account. Given that you owe them this money (I know it sucks), you will be hard fought to justify this to a judge because you ARE receiving your full settlement. There are lots of people in similar positions to you and they are generally being told that they don't really have much hope.

 

JMO - would be interested to hear if anyone has a different opinion to this?

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Unfortunatley T4ff is right.

If you owe the bank money they are entitled to take what you owe them and give you ther difference,

It sucks, but thats how the court would see it.

Unless yo have good mitigating circumstances.

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This isn't an attack on the OP, but I can't see why people are getting so worked up about this issue of the bank paying off outstanding debts with bank charge refunds....

 

Yes it would be nice to have a big fat wad of cash for the use of, but it's just as big a result, IMO, to be debt free and not servicing loans for the next 5 years.

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I think that in most cases, it would seem that the overdraft / dca loan or whatever ends up being credited by the refund isn't the worst debt and therefore isn't the most important debt to pay off first.

 

There can sometimes be those that would rather worry about debt at another time and would rather go see Mickey Mouse but I think the majority are faced with bigger threats hanging over their heads than a DCA managed loan agreement.

 

Don't believe you are attacking and can understand your reason for asking - I always used to wonder the same. I think you do learn over time though that most people have a genuine reason for trying to obtain cheque payments in order to clear more critical debts first.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Spot on T4FF I wouldn't have taken out the debt if it wasn't constant threats on my house,family life,etc over a few quid from a 'respected' billion profit making company. We were talking a couple of payments not systematic fraud on my part.

 

I want the right to pay off any loan I took out over the same timescale previously agreed. Only the unlawful bank charges added to the account took the account into CMS hands. I want control back

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Guest NATTIE

I should add which i have on many occasions that if an offer is made prior to suing the bank they can pay into an active account with any funds if it is at CMS and the account becomes in credit to be sent out via cheque as the account would be closed at that point. I know it is not what you want to hear but you will have to accept it. I know you have written to accept it providing a cheque is sent, which they but only for the difference.

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I should add which i have on many occasions that if an offer is made prior to suing the bank they can pay into an active account with any funds if it is at CMS and the account becomes in credit to be sent out via cheque as the account would be closed at that point. I know it is not what you want to hear but you will have to accept it. I know you have written to accept it providing a cheque is sent, which they but only for the difference.

 

 

Not exactly! I wrote to say I would accept if a full settlement was paid by cheque. I did not accept any offer but they paid it into the account anyway

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