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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
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      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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Something slicky in the Citi?


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Facts, folks:

 

February 2006: Told Citicard couldn't pay. Balance £8,900.

 

March to May: Sent £1.00 per month token payment whilst setting

up a DMP.

 

May 2006: Debt "assigned" to Direct Legal Collections for £9,129.

 

June 2006: DLC added £167.05 interest.

 

September 2006: DLC issued notice of debt recovery for £9667.09

 

July 2007: DLC offered discount and removal of interest and charges if

"an arrangement to clear the debt was made".

 

July 2007: I requested further details, confirmation of who owned the

debt, and the capital amount.

 

August 2007: Request ignored but confirmation that £5.00 per month

"will be acceptable".

 

 

Questions:

 

a) since the token monthly payments of £1.00, DLC has been paid

£5.00 per month under a DMP.

 

b) as my understanding was that interest would be withheld how has

the balance jumped from £8,900 to £9,611,

c) silly question, but why has my request of July been ignored?

 

 

Request:

 

Do I keep up with the £5.00 per month through CCCS or rock the boat by asking DLC for a copy of the CCA?

 

Am unsure, still, of who owns the debt and my file shows only a copy of an application to Citi.

 

Vandermerwe

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Ask for a CCA, my bet is they can't come up with one, especially if its anything like the one Citi have sent me. If they do come up with an agreement, you can always do a SAR to reclaim charges. Don't forget to include in the letter that their obligation extends to supply a list of transactions/statements.

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Hiya Van, yes I agree with Supprise, do a CCA section 77/78 request.

 

That should give you (if they can find anything at all)

  • a copy of the executed credit agreement and any other document refered to in the agreement.
  • the total sum paid by you.
  • the total sum which has become payable under the agreement by you but remains unpaid, and the various amounts comprised in that total.

The last two look like a statement of account to me :) and if they cant send you the first one the debt becomes unrecoverable by them but I would be carefull, with the sort of figures you are talking about, that would be worth them chasing.

 

Just had another thought, I dont know if you have done it yet but it would be worth sending Citi Cards an S.A.R - (Subject Access Request).

 

Just because they have now assigned your debt is no reason why you shouldnt ask for any charges back Citi lumped on prior to that and as it only costs £1.00 do a CCA s 78 too, see if you can add the PPI into the equation :). Citi arnt quick with SAR's mine was over 90 days but you generaly get what you ask for in the end.

 

pete

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"I would be careful, with the sort of figures you are talking about, that would be worth them chasing".

 

Sorry, Pete, I don't know how to quote, but hope I just did so..

 

I've just had one of the worst days ever, s..t hitting the fan, not in bucketfuls but in blobs here and there.

 

All little things really but I haven't been up to taking them on board all at once.

 

Re the Citi, I think let's wait for the next round. At £5 per month who am I to get uptight?

 

Just tried to sell the humble abode and the estate agent has gone under.

 

If I did, the scavengers would probably want the few bob I might ever make out of it.

 

Our good friend deedee offered me a flat in Brixton but haven't heard from her since I mentioned I had two partners in the form of miniature dachshunds.

 

Haven't had any love notes from pinkduchess either.

 

It's enough to make a bloke turn queer.

 

Oh, shyte, I can't use that word any more can I?

 

Going to bed now, waiting for them to come for me, to come for, to come....zzzzzz

 

Van

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hello van

 

your comments do make me smile. :)

 

...but from seeing your posts here & there around the boards it sounds like youve had a bad week. hopefully they are made up of small things that can be tackled individually although when trying to deal with a whole load of s*** in one go it can magnify everything.

 

i'm finding the forums a bit flat at the moment, the threads are depressing with all the stays.

 

well it wasnt exactly a love note but i do like to know youre ok.

 

take care

 

PD :)

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well it wasnt exactly a love note but i do like to know youre ok.

 

take care

 

PD :)

 

Have I got it right now, pd? Thanks for the tuition.

 

I've been told men are no good at multi-tasking, and I guess that's correct for me.

 

You're correct about the site, but I look at the 'newbies' most days and where I feel I can offer a glimmer of support or direction endeavour to do so.

 

Also a bit of humour where I think it's appropriate (but probably isn't)

 

Thanks for keeping in touch.

 

As ever.

 

Van

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Have I got it right now, pd? Thanks for the tuition.

 

 

not quite :p

 

you press the quote button on the post of the person you want to quote

 

then you delete any wording from their post you dont need (leaving the quote bit and brackets at beginning & end).

 

then you add your message underneath as normal & press submit

 

Facile comme cela!!! :D

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