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    • Not really. His claim will succeed simply because its a simple matter of a lost parcel and no insurance. Its not a complex case so I think he’ll be fine, especially as it is P2G who arent very good at defending claims but I ageee its not been handled at all well.   My only concern with withdrawing is that he loses £35 in the case of £240 but thats a matter for him   I dont think it has a reduced chance of success if OP actually replies and actions things but if not then ofcourse it will struggle.   My concern is if he starts again it’ll be just as sporadic.   Maybe close thread and let him make a new one if hes ready to engage?
    • Please will you start reading up on the stories on the some form especially the pinned post. I have to say that I'm concerned that you feel that a warning from P2G is going to affect your rights and is going to subvert statutory law. I think you've been here for a few months and I would have hoped that by now you would understand that terms and conditions must always be interpreted in the light of overriding statute. Also I suggested that once you have done the reading on the sub- forum then you would understand the information that we would need in order to give you the best help. The fact that you haven't told us what the item was suggested also that you haven't done the reading. Please give us full details including identity of the item, value, where these properly declared? Dates – blah blah blah. Not paying attention to P2G. Pay attention to us
    • P2G can make clear whatever they want frankly, the judge isnt going to sit there and go “they told you to buy their insurance and you didn’t” and then dismiss your claim.  I would say you should send a formal complaint then after 7 days sent a LOC. Day 21 from now submit your claim on OCMC.    
    • I thought i could just use ( copy and paste)  the terminology from my other post earlier in the year when i previously claimed against P2g .   The parcel hasnt been 'officially ' lost yet i have another 13 days before their 'investigation' ends and then theyll probably offer the postage back as i didnt take the 'insurance'   But to recap ,  The parcel was booked through P2g and sent with Evri. No Protective Insurance was taken out. The parcels value is only £48 plus postage of £3 and the value of the parcel was declared The parcels tracking says while it was in Evri's system it was sent to an 'incorrect' depot and tracking would be updated in 24 hrs which it didnt and the delivery date passed, i then had a live chat with P2g who opened an investigation and im waiting to hear what's happened. My only concern is,  last time i claimed P2g made it clear that in future i must take out their protective insurance which i gavent and im wondering whether this will ' complicate' things ...  
    • it is precisely for these reasons that the OP should withdraw the claim and begin again. Firstly, the case has been badly handled from the start. The OP hasn't come to us and stuck to it in a regular engaging way. Secondly, it seems that the OP is now being advised on the basis of it being a matter of principle rather than looking at a sensible and pragmatic outcome. We have a duty to the people who come to help us to try and get the best solution for them that we can. Secondary is that we want to notch up a further victory against the parcel delivery industry – and frankly it doesn't matter which company it is as long as we get a victory. If we simply urge someone to continue a case at their own expense in a claim which has a very reduced chance of success, simply because it gives us personal satisfaction, then this is really contrary to what we do and certainly contrary to the interests of the claimant. I'm now urging the OP (Original Poster) to withdraw and to start again and work with us very closely in order to get a much more certain victory. By continuing this claim, not only with the OP risk even more money, it will take more time in the sense of failure will be demoralising. Better to feel that one is in control by exercising one's own choices and taking the long view
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      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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From LLoyds to SCM and now .... Buchanan Clark and Wells !!


donbracho
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because no one has posted on it for the last 6191 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

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Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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anyone ??? basically need to know is it unlawful for bank to combine the overdraft account and personal loan account ? they (lloyds) have passed the accounts onto BCW who have combined them

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Donbracho, I think the reason your are not gettig much help on this is no one is quite sure what you mean when you say that the accounts have been combined. And on the one hand you are asking if it is lawful for bank [do you

mean any bank or your branch of the bank?] to combine accounts and then

you saythat BCW have combined them.

 

 

If you are saying that BCW have added the two totals together and are thus

chasing you for one amount, there would appear to be nothing wrong with that.

However, if they have merged the two accounts into one, then that is a

different matter altogether.

Certainly the bank could not do it, since your loan is subject to a separate

contract, and if BCW have bought the debt, the two accounts must still

remain separate.

 

Could you please explain what you mean by the accounts havie been combined, who did it, and do you know if BCW have bought the debts?

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hello sorry for the mistake !

right all correspondence from lloyds has been showing the two accounts seperated and two account numbers accordingly.

We received a letter from BCW with just a client ref number and the total amount owed,

no ref made to loan nor overdraft just .... our client LLoyds you owe 5 grand thats it !

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BCW are debt collectors after all-I think you are expecting too much from them if you think they are aware of what they have done.

However, you could use it to your advantage and save £1. Send them a

CCA request. Then they will either have to supply you with both agreements,

or admit there are two accounts, and ask for another £1-and you might be

able to have some fun with them over it by insisting that as they gave you

the impression there was just one account, why should you pay for two

enquiries.

And if they only send the agreement for one account, then they are in breach

of the Act for the other one, and the amount they are claiming for the one

account does not match the amount they are asking for in their first letter to you.

You can have weeks of fun with them. :D Go on wind them up -you'll love it.

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aaaargh ! hello all have just checked over the schedule of charges fro my partner and have entered 3 amounts twice so the total owed is incorrect its 3209 instead of 3364 !! is it too late to change it or are we gonna get laughed outta court ? up at leeds mercntile june 28th

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right then folks after much reading and pilfering of other threads namely memmochsa !

have put together the lba with contractual interst included what do you guys and gals reckon to this.....his ....

 

You really shouldn't have included Donna's account details on here, should you?

 

Good luck anyway.

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aaaargh ! hello all have just checked over the schedule of charges fro my partner and have entered 3 amounts twice so the total owed is incorrect its 3209 instead of 3364 !! is it too late to change it or are we gonna get laughed outta court ? up at leeds mercntile june 28th

 

Do not be concerned about this, it is trivial and will come out in the wash.

 

Ensure at court you have a correct schedule that you can present if necessary.

If I have been helpful please click on my star and add a comment.

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hey up there thanks for the advice sent a CCA request .... i do not acknowledge this debt etc...with 1 pound postal order to BCW earlier in week received this reply from them today

i have requested a copy of the agreement will be with you shortly our clients request a 10 pound fee fro statemnt of accounts so a cheque made payable to LLoyds would be needed to sent direct to BCW with letter informing what payment is for please contact me if i can be of any further assitance
!!

So they want money off me to halp them comply to the request fully ! should i just ignore them refute it or what ?

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ah just re read my cca letter and it states plain and simple that

You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account
and

You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974

so i should just write back reminding them of that fact ?

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No, Don Bracho. They are the experts on the Consumer Credit Act-they know

it as well as the back of their hands. In fact their data controller will know

the Act word for word. [Yeah right].

 

Once you send the request, just sit back and wait. With luck they will mess

up and commit an offence. So don't make it easier for them-it is to your

advantage that they don't comply.

 

By Law, from the time you send the request they have two days plus twelve

working days [ie no weekends or bank holidays included] to supply the

required documents.

Should they fail to do so, they are consideded to be in default and are then

not allowed to enforce the debt. So they must not phone or write to you

demanding money nor should they charge interest on the amount if they are

doing so.

 

After a further month without supplying the paperwork, they commit an offence. In addition until they can produce the original agreement, the debt is

unenforceable-even by a Court.

 

So now you see why you don't want to help them. Ideally you would want them not to send the OA then you can work out what to do next.

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