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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • 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    
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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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Court looming ?.


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Found the site while trawling thru the web looking for items relative to my wifes (so our) problem ...... and from what I've seen it's brilliant.

Looking thru the attachments I'm hoping I'll find some helpful stuff.

Anyway - problem is - my wife is being chased by Albion Collections Ltd. after my wife ceased paying on an account/loan (unsecured) arranged with the Halifax.

My wife - long story, try to keep it brief - was tricked into taking out a loan, supposedly short term, by an ex boyfriend of our daughter.

Turned out he was a con man - got the money and disappeared shortly afterwards when his true background came to light. Even though Halifax knew loan was on his behalf they hold my wife responsible - and - Halifax never even took the time to explain to my wife what could happen in the event of ...... - think you can guess the rest.

Loan arranger denies not explaining dangers/pitfalls.

Stated that due to my wife being of a certain age - late 40's when loan taken - and having had other loans in the past she should have been aware of consequences.

After 4 years wife has decided enough is enough - meeting the payments is damaging her health (stress/worries/working for no gain/etc) and have medical data to support this, plus she is working just to cover loan - so had the threats from Halifax - which we've replied to, now passed onto Albion who tell us that we will be having constant calls for settlement - or else !.

We intend sitting it out - wife wants her day in court - anyone out there who can tell us what to expect/could happen, etc., would be well received.

Will update all as we go along ---- thanks for listening.

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My wife - long story, try to keep it brief - was tricked into taking out a loan, supposedly short term, by an ex boyfriend of our daughter.

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Have the police been involved with this at all as possible issue of fraud? What were the exact circumstances of her signing the agreement ( e.g. did this guy go with her, was it in her sole name or was she a guarantor for him?

 

Could be quite tricky to defend in terms of county court as she would have to prove that e.g. she was coerced into signing or had no idea what she was signing / letting herself in for... proper legal advice would probably be needed.

 

But - short term - Do a CCA request to Albion ( letter asking for copy credit agreement & statement of account ). This will buy some time as they can't enforce anything until this is provided. Should be sent within 12 working days; if not received within 30 days is criminal offence.

 

Also poss issue of harrassment - OFT debt collection guidance quite useful also harrassment is contrary to Admin of Justice Act ( I think its section 41 but don't quote me on that ) again is criminal offence.

 

Debt collectors like Albion are not bailiffs, they have no right of entry to your property & cannot take goods.

 

You may also want to speak to National Debtline ( you can stay anon if you wish ) they give free confidential advice on 0808 808 4000.

 

Best of luck I hope this has given you a starting point

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( I think its section 41 but don't quote me on that ) again is criminal offence.

 

 

s40 :)

 

"S40 Punishment for unlawful harassment of debtors"

  1. "A person commits an offence if, with the object of coercing another person to pay money claimed from the other as a debt under a contract, he:
    • harasses the other with demands for payment which, in respect of their frequency, or the manner or occasion of making any such demand, or of any threat or publicity by which any demand is accompanied, are calculated to subject him or members of his family or household to alarm, distress or humiliation;
    • falsely represents, in relation to the money claimed, that criminal proceedings lie for failure to pay it;
    • falsely represents himself to be authorised in some official capacity to claim or enforce payment; or
    • utters a document falsely represented by him to have some official character which he knows it has not.

[*]A person may be guilty of an offence by virtue of sub-section (1)(a) above if he concerts with others in the taking of such action as is described in that paragraph, notwithstanding that his own course of conduct does not by itself amount to harassment".

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