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    • Good morning all, No further communication with P2G so now submitting my small claims action. Would be grateful for any feedback on my description of claim before I submit later. The defendant in this case is Parcel2Go Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper containing two handmade bespoke wedding trays to a customer with tracking number P2Gxxxxxxxx. The parcel was never delivered although the defendant stated that three attempts had been made to deliver the parcel.  The claimants customer waited in for four days to receive the delivery but no delivery was attempted. There was no communication with the claimants customer.  Despite many web chats and emails the parcel was not delivered and on the Parcel2Go website it stated that the customer had refused delivery. This was not true as no delivery had been attempted.  I was informed that the parcel was being returned to me but after waiting three weeks was informed by Evri that the parcel was lost. I was offered compensation of £20 + shipping fee which I refused and after sending Parcel2Go a Letter of claim this was increased to £75 which I also refused. It is clear that the defendant is responsible for the loss of the parcel as they did not act with reasonable care and skill when handling the claimants parcel, contrary to section 49 of the Consumer Rights Act 2015. The claimant therefore seeks £370 in respect to the value of goods plus court costs. I thought it might be better to use the CRA rather than the Supply of Goods and Services Act as we are sole traders - is this correct?
    • No new development, I'm afraid. The last update I received was a letter from the court, advising that the case had been transferred to Croydon County Court.
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    • Hi, I am aware there’s been few threads about this already but just wanted to confirm information on my case. I was with Village gym last year(2023) on initial 6 month usual contract they do, I lost my job and due to that I couldn’t afford to pay for gym nor I had any motivation to go to gym at that time so they sent me arc phone message in September 2023 that I owed them £140 so I paid them back on instalments in 2 months time.  Then I started receiving new years deals in December 2023 and I decided to give them a call but they never mentioned anything about 6 month contract or anything, only that it would be monthly rolling contract and I paid them for 2 months and then I realised both months they charged me £59 instead of £38 they offered me on the phone when I mentioned that I am still student, even though before I was paying £43 a month in mid 2023. I spoke to gym entrance lady and she said I should give a call to gym on the phone number so I did and whoever answered said they’ll pass my info to manager and he will give me a call back in 24 hours, of course no one called me back so I called again and they said same thing. And of course once again no one got in touch with me so I got tired of them charging me more than they should and decided to cancel my direct debit and stopped going there as I got new job with rotation shifts which is not good for me as I cannot visit gym after I finish at 10pm every second week.  And now in April I received arc message saying this :  Also they have my old flat address where I used to live. What is the  best thing to do for me please? Thank you!
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    • We have finally managed to obtain the transcript of this case.

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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Kitesurfer v Natwest


KiteSurfer
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Hi,

Posted yesterday in the welcome forum to say hi, but now have started this thread and one in nationwide.

 

Sent SAR on 11-04, received my statemnts about a week ago, found this site yesterday and have now completed my spreadsheet.

 

I used the 1.9 spreadsheet and included interest at 29.5 % as that is what they charged me for unauthorised borrowing.

 

Penalties come to 1600, with interest paid this is 2200.

Once I add contractual interest this rises to 4300.

 

The preliminary letter does not seem to take the contractual into account, but Im sure I saw a post last night pointing to a preliminary letter that did (it was late tho).

 

Going to have a look around the forums for more info on contractual, but have to say, my account has been OD almost all the time its been open, and they have ben charging me unauth charges almost every month - if I can I want to get my own back!!

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Hi there, you can just use the prelim letter and adjust it, i.e. just add the bit about wanting to reclaim contractual interest. You dont have to use one set in stone, just add in the bit yourself about reclaiming contractual interest as well. Its easy really............. just substitute the bit for overdraft interest with CCI instead. All the best. Fendy xxx

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Fendy,

 

Just to be sure I am on the right track..

 

I have amended the 'What I require' section as follows with the figures from the v1.9 spreadsheet as follows:

 

What I require

I calculate that you have taken £1605.30 plus £617.75 which you have charged me in overdraft interest for the sum which you have taken, Total £2223.05

I am claiming £2,243.80 in compound contractual interest at your un-authorised borrowing rate of 29.5% under the principle of mutuality and reciprocity, which applies to this account.

Total £4466.85

 

I enclose a schedule of the charges which I am claiming with this letter. The total amount owed will increase by £1.59 per day until satisfied as a result of the compound contractual interest rate at the advertised unauthorised borrowing rate

 

This is slightly different to your suggestion, but seems to make sense. I am unsure of the wording.

 

I have an additional concern about the daily rate.

I used the v1.9 spreadsheet which I have taken all the figures from, and it gives the daily rate on the C.Interest Daily tab, but when I changed the 'claim until' date by 1 day the total increased by £3.17 not £1.59

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hi

 

your wording looks good 2 me

 

 

also i used the same spreadsheet and it does work out the daily rate correctly so just check all your charges on the s/s and rerun it again and if the figures are the same i would be confident that the daily rate is correct

 

Scott

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Haven't heard of any retaliatory action for a while to be honest with you!

 

If you haven't had any problems with the overdraft (i.e., NW sending letters about it!) I wouldn't worry about it. I've got one for £500 less than you at the moment - and I'm plodding on regardless!!!

 

I suppose a parachute account would give you a bit of peace of mind though - so it's up to you!!!

 

Good luck, hedgey xxx :p

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Cheers Hedgey,

they havent sent me a letter for ages, funny though, Im keenly awaiting their next one :D

 

I'll see how it goes with the acct

 

Good Luck with yours too,

I havent even got as far as reading about an N1 yet!!

Kitesurfer

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Kitey, you have signed an agreement for your overdraft. As long as you keep to that agreement you will be okay. They would be in breach of contract if they withdrew your overdraft without a good reason.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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You will like it a whole lot more when you get that money back, believe me............. AND YOU WILL, ITS JUST A CASE OF WHEN and not IF. Lol Lol xxx Were all right behind you, shoving you onward and upward to the next step. Shoving gently I might add. Lol xxxx

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Just received letter stating they are currently considering my claim and anticipate they will be in a position to respond in 6-7 weeks.....

 

As they have not entered into a sincere dialogue is it straight onto the LBA now... or do I need to wait 14 days...

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If you've sent them the prelim - waited 14 days - not had an offer.................. send them the LBA and give them another 14 days to respond!!!

 

This is your claim - not theirs, so you set the timescales - not them!! Tisn't your fault they're snowed under with claims and can't cope with the backlog........... so get yer LBA sent 1st thing Tuesday morning!!! xxxx :D

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Whoops - thought yer deadline was up!! Lol......... teach me not to read back through the threads!!! Hang on till the 4th - then............. you know the drill!!!!

 

Good luck, hedgey xxx

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Nothing wrong with a bit of impatience, but if it gets to the court stage.......... practice your patience! As our Parkie says........... patience is a virture - and much needed when dealing with cobblers and nat west!!!

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Hedgey, spot -on as usual. :)

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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  • 2 weeks later...

Nice one......... another LBA in the post to keep the little workers at Borehamwood up to their necks in paperwork!!!

 

Have a look here for the next stage Moneyclaim and hardcopy claim compared it explains the pros and cons of MCOL or filing N1 at your local county court. I went with N1 - gave me loads of satisfaction to hand it in at my local county court!!! This thread's really useful as well Example Step-By-Step Instructions

 

Good luck, hedgey xxx ;)

Can't find what you're looking for? Please have a look at Michael Browne's

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Cheers Hedgey - I've had a look through those, I'll have a think about whether to go mcol or N1..

 

Nice to see fendy and parky have won.. keeps everyone smiling, especially trying to follow the threads!!

 

:D :D

 

thx for yer help

 

Kitesurfer

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