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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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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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      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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Usually a fairly expensive supermarket.

 

I have found in 3 local branches that if you fancy a shopping trip around 2pm on a Sunday you can pick up some real bargains. They seem to do a mass reduction about that time ready for the new week.

 

Our best saving which included two massive joints of Aberdeen Angus topside was £47. We paid £17 at the till for virtually a trolley load of shopping. Make sure you check out the butchery, fish monger and deli counters as they clear it all.

 

Other day we bought 3 x chorizo sausages for 49p each reduced from £6.99, scallops for 39p from £5.99, and you can always get decent bread for about 15p a loaf.

 

They do the best reductions I have seen out of all the supermarkets.

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  • 3 weeks later...

Thanks for the tip. I used to go to Tesco's around that time on a Sunday but have progressed to Sainsbury's as I prefer their meat. Might give Waitrose a try tomorrow.8)

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  • 5 months later...
  • 2 months later...

I agree with that. Plus, if Waitrose have a 342 offer or similar but then reduce the item, the original offer is still valid so you get a double discount.

 

Our best one was when we just popped in for milk but luckily must have got there just as they did final reductions on the meats and other bits and pieces. We ended up with £140 worth of shopping which we paid just over £30 for:D

 

You do have to work out the times for your stores reductions though as their normal ones throughout the day are pretty pants, especially when you consider the price is higher in the first place.

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  • 3 weeks later...
Guest harveysfurnitureUK Official Company Rep

Wow, I can't believe you all saved so much, what a great tip. I'm definitely going to check out my local Waitrose next Sunday. Thanks :)

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  • 4 months later...
Thanks for the tip. I used to go to Tesco's around that time on a Sunday but have progressed to Sainsbury's as I prefer their meat. Might give Waitrose a try tomorrow.8)

 

I couldn't agree with you more about Sainsburys meat! We buy 95% of our meat from there, and they always have offers on too - their meat is such high quality, we get the Silverside joints for half or two thirds off price (around £10 rather than £20/£30) , they're huge and we cut then in half making to large Sunday joints, sometimes they're so big we get either three joints or two joints and a few nice steaks out of it (you need a good sharp butchers boning knife mind you). We also get their full legs of lamb for around the £10 mark too, and can quite easily get a Sunday dinner, a curry and some other concoction of a meal out of that lol!

 

Then there's their chickens, 3 for £10, their chicken breasts, 3 packs for £10 - and their lamb steaks are roughly the same! They even had Grassington duck crowns going for £5 each the other day, so I snapped up two of those :oops:

 

I do love Waitrose too, but as we all know it can be obscenely expensive - however, having seen these offers I will be giving this a go! So thank you very much!

 

Oh, also - Waitrose do offers on the best basmati rice ever, Tilda, and it's a 10kg bag for £18 - you'll not get that cheaper anywhere else!

Edited by duckwaddler

Life is like an echo, it all returns......The good, the bad, the false, the true......So if you give life the best you have, the best will come back to you.

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