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    • Hi All, I'm looking for help with a P2G claim for another lost parcel. Given the wealth of information on this site, I'm hopeful that this should be an easy one to fix, but want to be sure I have everything. On the 6th March, I contracted with P2G to send a parcel (a £600 Pioneer AVH-Z7200DAB car stereo which is not on either P2G or EVRi's excluded from compensation or prohibited items list) using EVRi, sent it off, and that was the last I heard of it. The EVRi tracking showed that the parcel had made it to the national sorting hub at 2:12 on the 7th, and then vanished. By Friday, I had started to get nervous, and so, raised an enquiry. And then another, and another - well, they weren't responding, and I couldn't get their telephone one to work, I think in all, it was more than 15 enquiries. I also raised an investigation with P2G as well. EVRi closed the enquiry confirming a loss on the 19th March, and P2G near the end, although P2G closed it claiming that I needed to send photos of the parcel as proof - which I didn't have, and I also do not have an account with P2G so couldn't upload anything (I did test, just in case), and this is why despite receiving advice on the EVRi Fb group to send the letter before claim, I haven't yet acted. I have proof of the eBay listing, and the refund, to demonstrate that which was being sent, but P2G's insistence that I have no photographic proof of the parcel with the label - I have the photo of the goods in their box before sending, but this is for the eBay listing, and so does not show it after the fact. This I fear is what P2G will seek to rely on as a defence, hence my 10 week delay on progressing with this. But, I am more than £600 out of pocket for the loss: £600 for the item and £8.04 for the delivery fee, although my claim will actually be for an initial £611.09 to cover the cost of the loss, their delivery fee, and my 1st Class Recorded stamp for the Letter Before Claim to P2G, rising to £681.09 to cover the additional £70 cost of opening the court case if they fail to respond within 14 days. This question mark surrounding P2G's request for photographic evidence, is this likely to cause me a problem? Steve
    • Had a letter response today dated 12/6/24 from PRA Group re request for information consumer credit act 1974. Confirming they are in receipt of my CCA letter request - and that they are requesting the required information. They returned the £1 postal order. And my CCA letter. Stating that they will contact me with an update ASAP. They attached/included a standard ( non personal ) page about ' what they should provide ' and ' what happens If I don't get this information'.    I need to file my defence by 21 June 24. Any suggestions as to what that defence should be ?   
    • Thanks @dx100uk for responding promptly.    To be quite honest with you, applying for breathing space might not really help except some short term relief. I don’t want to default either as I might lose my job too and I cannot really afford it. Sorry for sounding bit stupid but is there something I can do to stop them charging interest and agree on reduced payments? I am working on information that @BankFodderhas requested and will be sharing it later today.  
    • who said send the sb letter to RC anyway? we said the debt owner not the grease monkey.
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Interest charges?


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Hi

My Court issue date for the Abbey was 1st Feb, deemed served on the 14th Feb.

Ive just read that you should be charging daily interest since you filed with the Court but i'm not sure if i'm working it out right.

My claim was for £967.50 charges + £495.53 interest + £120 costs.

Do I work the daily charge on the total amount? Or just the charges? And from what date the 1st Feb or the 14th?

Thanks for all your help

Moneyinmypocket

NatWest - £364.02 settled

Abbey - £1,686.86 settled

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sorry, the date you take it from is the date that you filed at court and the total is the charges plus any interest including S69 or contractual

 

hope this helps

  • Haha 1

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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hi, i went to court today to file my n1 to be told i cant claim 8% on all charges,only from last charge date till today,so im losing 5 years worth of interest,they refused to take it as judge will not allow it.how can that be right ?any help greatly appreciated !!!!! many thanks.:confused: :confused: :eek:

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Hi Blackbear

I can't understand that as my local court didn't refuse mine - maybe start a new thread with a relevant header and someone with a bit more knowledge may be able to tell you what to do.

Sorry can't be anymore help!

Money

NatWest - £364.02 settled

Abbey - £1,686.86 settled

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that is clearly wrong, I took this from the mcol website and it says that you can claim the s69 interest from the date that it became owing to you, i would a) print it out from the mcol website direct and b) start you own thread so that we can see where you are up to. Hope this helps

 

 

To work out the amount of interest you are owed up to the date you start the claim, you first need to work out the daily rate of interest. Using a calculator do the following:

0.00022 x the amount of your claim.

This gives you the daily rate of interest.

You then need to work out the amount of interest you are owed up to the date you issue your claim. Count how many days have passed since the money became owed to you and multiply that number by the daily rate of interest.

For example,

If you are owed £1,000, the rate of interest would be as follows:

0.00022 x 1,000 = 0.22

So the daily rate of interest is 22p.

If the debt became owed to you on 7 March and you are filling in the claim form on 26 April, 50 days have passed.

So, 50 x 0.22 = 11.

You can add £11 to the amount you are claiming.

The total figure for interest and the amount you are claiming must be entered in the 'Amount claimed' box in the bottom right-hand corner of the claim form. The fee you will have to pay to issue your claim will be based on this figure. Please note the rate of interest depends on the type of claim that you wish to make. If you are unsure you should seek legal advice before issuing your claim. For free legal information help and advice contact the Community Legal Service on 0845 345 4345

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Hi - feeling a bit unsure as the hard copy NI particulars of claim says

 

charges + OD interest times 0.00022 for daily rate

 

but this thread says it would be charges + overdraft interest ( I am not claiming for OD interest) + 8 % s.69 interest times 0.00022 for daily rate

 

is it the former or latter - just don't want to get it wrong thanks Fran

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sorry, the date you take it from is the date that you filed at court and the total is the charges plus any interest including S69 or contractual

 

hope this helps

 

this is Lula's advice Fran

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