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    • stayed. dead at present. if it remains that way for months then could cost the claimant £100's more in fees to lift the stay. dx  
    • The only thing that could be a problem is the PO Box, I sent the letter to the address without the PO Box, the reply I received didn't mention the LOC just a follow up to my first complaint email. What I might do is resend the SAR to the PO Box as well so they can't say they haven't received it.
    • No problem about establishing a breach of contract and on the basis they have said that it was a computer error, no problem about establishing inaccurate data processing.  Probably worth waiting until the SAR just to see what it brings and any more evidence.  So, if they failed to make the disclosure by the 30-day time limit then that gives you an extra basis for an action . You could start the action now or you could wait until 30 days. I suggest that you wait. I suggest that you make a diary note for 31 days  
    • Thank you They have initiated a refund of the £56 for the trip (which still hasn't been credited). This is all they are prepared to offer plus a £100 voucher for use on their experiences (which we don't want) This still leaves us out of pocket for the parking £15.35, and the 2 x Dart charge £5. As well as the travel to Southend instead of the Queenborough. The extra travel was in total 3.5 hours. I have spent around 2 hours writing letters, email etc. The tickets were purchased for myself and my wife. We haven't received anything from the SAR at the moment. In their email they have admitted an 'admin  error' so would that count as a breach of contract? So in total  Tickets: £56 Parking: £15.36 Dart Charge: £5 Distress & Travel: £150 Total: £226.36 Minus refund being processed of £56 leaves: £170.36 The refund of the tickets has now been credited to my credit card.
    • First draft of my snotty letter to BW Legal. I've got more up my sleeve but might save it for the next one! Dear Sean and Rachael, Thankyou for your “Letter of Claim” which you, somewhat optimistically, sent me on 24th June 2025 on behalf of your client “Premier Park Ltd.” It's baffling that such a reputable law firm with as many as 1.1 stars on Trustpilot would bother trying to extract money resulting from an entirely bogus and spurious claim. Had you even taken 5 minutes to assess the case you would have noticed it contains more holes than a Swiss cheese, but since in last year's accounts you state that you are instructed on a high-volume basis, I doubt any due diligence was performed before blindly sending me your template letter. Consequently, should you choose to pursue your claim in Court having been informed of its futility, I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g). However, I would like to extend my thanks to you both for an insight into your business practices. I bet when you were studying for your law degree you never saw yourself aged 51 running a bottom-feeding law firm. I have used your company as an example to my children of what happens if you don't work hard enough at school and I'm pleased to say their work rate has significantly improved in the last few weeks of term. Please cease and desist from contacting me any further on this matter. Yours sincerely,
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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.

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      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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My Husband and i have around £40000 debt between us. After defaulting on a couple of payments on credit cards a couple of years ago, I entered in to a few agreements with some of our creditors. But then i lost my job and we couldn't keep up payments on other debts. We went with CCCS last summer and have managed to keep up payment to them. However they upped the amount we were paying to a couple of the creditors that i had already made payment plans with. Those creditors have now stopped the No interest being added to the accounts saying that if we can afford to pay more then we can afford the interest. We pay over £600 a month and over three hundred just go's back on in interest. Can anyone suggest anything?:?

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Hi and welcome to CAG.

 

Who are these cards with and when were they taken out roughly?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi many thanks for replying. Here is a rough breakdown of our situation, albiet embarrassing that we have gotton ourselves into this situation.

 

Northern Rock Loan - £24000. We are paying these back at £336 per month. Pre CCCS we were paying 280 which they were happy with.

 

LLoyds tsb CC- £4980 They are charging interest at full wack and despite letters from CCCS they will not talk to us about stopping interest as no payments have faulted on the the account. card taken out 2007.

 

MBNA europe (Virgin CC) 4800, They originally stopped interest on an agreement that i made with them, then we switched to CCCS and they payments increased so they are charging full interest we paythem £94 a month but roughly £72 goes back on as interest. Card taken out in maybe 2005-6

 

Monument card has £1400 they have stopped interest but passed the debt to barclycard when payment started defaulting 2 years ago. card taken out maybe 2003.

 

Sky cc we owe £ 800 on they are still charging full interest. we have had this since 2006-7

 

LLoyd tsb CC £900 payments did default on this card last summer and i have just agreed that they will reduce the interst to 4%.

 

We also have a £500 overdraft which we are paying backto lloyds £20 we changed back accounts when we moved to CCCS.

 

We started with CCCS July last year and pay £633 per month to them.

 

We do not own our own home, and credit rating must be quite poor by now. We really want to pay the money back but we are hardly scrapping by at the moment and if they don't stop all this interset then we will be doing this forever.

 

i hope his makes things a little clearer.

 

Many thanks again.

Edited by Miss Moo
left info out
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