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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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justtouchit vs american express


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started my claim last month for £408 charges

 

had a letter today (following my 14 day lba deadline) they have credited my account with £228, difference between charges and their new £8 charge.

 

the letter states final offer and that if i persue futher may be liable for any legal costs they incurr

 

should i accept?

is there any chance i will have to pay any costs ?

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Hi

 

the letter states final offer and that if i persue futher may be liable for any legal costs they incurr

 

You won't be liable for any costs they incurr if you go through the small claims court even if you lose, which you won't so long as you stick with the tried and tested method on this site.

 

should i accept?

 

Ask anyone on this site and they will say it's up to you but they wouldn't accept it in a month of Sundays. Amex may think this offer is final but experince (lots and lots of it) says that if you don't give in (which is what they want you to do of course) they will eventually pay up everything you have asked for.

 

is there any chance i will have to pay any costs ?

 

Nope, see above.

 

Steven

 

 

 

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They did the same with me................I refused and they settled in full by return.............just remind them that you wiull be asking for full disclosure of how their charges are arrived at lol!:grin: :grin:

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

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court bundles for dummies

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They did the same with me................I refused and they settled in full by return.............just remind them that you wiull be asking for full disclosure of how their charges are arrived at lol!:grin: :grin:

 

Yeh, they don't like that!

 

Steven

 

 

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im telling them that i will accept it as partial payment only.

 

as i have issued lba already how much more time should i give?

 

when adding intrest is it total + intrest - £228 offer

 

or

 

-£228 then interest on the balance?

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If you have already sent an LBa you don't need to give them any more time. Once the 14 days is up proceed to the next step - make a court claim.

 

They haven't actually paid the money so leave your claim as it is, as they will probably effectively withdraw the offer anyway.

 

Steven

 

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The main difference is that if you file online you have less space for POC and you will have to send appendix sheets seperately (so could be misfiled by the courts). However you can track case online but only untill defendants say they are going to defend then it reverts back to ordinary court system. Personally I filed at the court with all documentation attached (I've had personal experience of items such as skeleton arguments, response to claims etc being misfiled even when sent special delivery) but it comes down to whats more convenient for you - timewise.

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Personally I filed at the court with all documentation attached

 

So did I, but our local court is only 5 minutes walk away. MCOL is more convemient to start with but, as josie says, unless they settle straight away, it gets transferred to a 'proper' court anyway.

 

Also. if you use MCOL, you will have to enter into extra correspondence with the solicitors as the poor dears won't be able to understand your claim. MCOL has very limited space for PoC, again as josie says.

 

Steven

 

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  • 3 weeks later...

Just a quick question, I filed a claim with MCOL against American Express for charges and PPI. The total amount was over 5 years for both charges and PPI. I was contacted by the solicitors and asked to delay applying for judgment as they wanted to send me a settlement offer. Stupidly I believed them. What they did was send a defence which has a number of blatant untruths. They obviously didn't mention the reason for delay in applying judgment and again I take blame for this but I will make this clear in the defence rebuttal. The charges and PPI are applied to the amounts that I'm claiming for which is not the full amount owed but a date range to fit in with the small claims track. Do I amend the claim to give more details on the PPI side? Or do I continue down this route and can I report the solicitors to the Law Society for their deceit?

 

:confused:

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Do I amend the claim to give more details on the PPI side? Or do I continue down this route and can I report the solicitors to the Law Society for their deceit?

 

At this point you can only amend the claim by submitting a form N244 which cost s £35 which you can't reclaim from the defendant. What do you want to amend. If it is only to add more detail and not increase the claim, it is probably better to do it as part of your statement of evidence, if you ever produce one.

 

As to reporting tem to the Law Society, go for it. The only problem is that it was verbal and so it's your word against theirs.

 

Steven

 

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  • Haha 1

 

 

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Thank you Steven. They have submitted a very detailed defence but I think most of it is standard, however, I have trawled through the site and can't find any typical defence rebuttals for PPI cases. Do you know where I can find these? I'm off to the loft now in search of T and Cs!

 

;)

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MadKit

 

I'm afraid I don't know much about PPI. However, this has some useful stuff you might write into a Statement of Evidence as does this.

 

Has anyone else any aideas.

 

Steven

 

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Registered office

 

Steven

 

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Any opinions are without prejudice & without liability. Everything I know concerning the law I learned from this site.

 

 

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Hi

 

I did a quick search and didn't find anything. However, I'm sure I've seen something about PPI mis-selling. I think you need to PM a mod. I don't know enough about PPI to help.

 

Steven

 

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Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

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For American Express go on to the "other institutions" thread. At the bottom is a button "new thread" Click that and away you go

 

Steven

 

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Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

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