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    • Farooq v evri is the judgement you want in.   Do you have a copy of do you want me to upload it again here?
    • I have added the correct format for the court. Country Court ..... as it was on the letter today, other letter had the justice.... . That is on the unredacted copy sent to admins email.   Which Evri judgement, could you give me a steer? Wadhwa one?   It's not in dispute, bar that paragraph you picked up. I was looking at that one, and I do agree it's pointless. Thank you for your help.
    • Firstly, and sorry for not asking earlier but have you submitted your DQ yet?
    • As suggested by JK2054 I'll email Evri to their small claims email address, attaching the label and collection receipt and quoting the Money Claims ref number. Is there anything else in addition to sending the email I should do at this stage? Rgds, J
    • Hi, I'd change justice centre to county court. I also wouldn't be including a telegraph article in the bundle. It doens't prove anything law and you don't have distribution rights on it. I also wouldn't personally break down the exhibits on the index page, normally people have a seperate page for this right before the exhibits. The main index page normally just says Exhibits to WX of [Your Name] or at least that's the format I use/see people here use, although really it makes minimal difference.   I also see that despite referencing several judgements you haven't included the EVRi one   paragraph 46 really needs to go imo it has nothing to do with anything. Your in court to apply the law to your case, not to tell the judge about a newspaper that means nothing to your claim.   I also see you've adopted the issues in dispute/not in dispute, which is also known as a scott schedule. if you are taking this approach, for things not in dispute I would say this needs to be things that are agreed between parties, not things like "There is no dispute that I am happy to supply all this evidence which is included in the court bundle." I would say that issues in dispute is to focus on the aspects of the claim that are in dispute, such as whether liability is limited by insurance or not, so I'd be changing that accordingly.   BF should be along shortly to advise on things.
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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.

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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
        • Like

egg PPI complex interest calculations


spaspeckerthedull
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Their int rate and the foscisheet

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ok, got it thanks.

 

I now have a figure of 20.47%, which I calculate to be the average.

 

 

Do I add the extra 8% to this or not? no where ha this extra 8% come from?

 

 

and can I claim back the SAR fee as well?

if you wish

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

UPDATE:

 

got a letter from them today acknowledging my complaint, so finally getting somewhere,

 

 

they go on to say that they need me to confirm my identity to them through certificated documents.

 

 

Getting really annoyed now as I have already done that last year when I sent in a SAR,

to which they replied in full with ALL my info so my evidence was obviously good enough on that occasion

- I haven't moved since the SAR reply so is this a delay tactic or do I really have to send off more certified docs?

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strange I agree

 

 

however I'd be inclined to read the full SAR

 

 

and make sure you follow the advised in all the posts there

 

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...
strange I agree

 

however I'd be inclined to read the full SAR

 

and make sure you follow the advised in all the posts there

 

dx

 

 

UPDATE:

 

following on from my last post,

I sent them a letter stating that they already had all the info they required,

that I had already identified myself to them

and that I could not understand the reason for their request as they had replied to my DSAR

so my evidence must have satisfied them on that count.

Sent first class recorded, online track and trace shows my reply delivered and signed for.

 

Got another letter from them yesterday, same as the last one.

I am now at my tethers end with these people - surely there must be something I can do to make them sit up

and take notice as they are obviously ignoring my correspondence, and the first class signed for fees are racking up

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  • 4 weeks later...

Update:

 

to clarify - sent them a letter,

completed FOS questionnaire and spreadsheet (in short, everything required for a claim)

jumped through all their hoops re. establishing my identity and waited.

 

 

Got reply this morning, rejection of claim with lengthy explanations as follows:

 

obviously i'm going to complain to FOS,

but is it worth me sending them another letter urging them to "reconsider"

- do they still get fined if asked by me to investigate my claim/make a complaint?

and is it still £500?

 

 

just wanting to establish some perspective as my claim amounts to less than what the fine would be if still applicable?

 

or is that now it and i'm stonewalled? by their own admission the web form had tick boxes and my application would definitely not have proceeded had I not ticked the yes box

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application was a "tick box to proceed" as my account was set up in 1999,

at the time this was standard practice for egg and is well documented

 

they did not refuse to pay out on the policy,

by the time I had received a PPI claim form,

after several written requests,

I had defaulted and they had passed to a DCA for collection.

I have letters from the time confirming this, as well as confirmation of the balance sent to DCA for collection

 

Valid claims on PPI policies are not a problem,

as I am led to believe any amount paid out by the insurance will be deducted from any successful PPI reclaim award.

 

I have already sent LBA and received no response

 

my problem is how do I work out my claim?

my repayments varied from month to month as I paid usually what I could afford to (minimum payment)

and sometimes a little more until the whole balance was passed to DCA for collection.

 

 

In my naivety at the time I was "frightened" into believing everything the DCA told me and so I ended up paying them the whole outstanding balance

 

working out the successful alliance leicester claim was quite straightforward,

as the spreadsheet was filled in and I entered the monthly premium the balance was slowly reduced to zero

, in the case of my potential egg claim the balance won't be as it was a lump sum passed to DCA "all of a sudden"

- does my explanation make sense?

 

 

what did you put in your FOS CQ as the mis-sale reason?

 

 

you should have only have put the ONE reason that you quite rightly pointed to in your 2013 post???

website tick box

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 months later...
  • 1 month later...

UPDATE:

 

received reply from egg.

They are asking me to confirm my details as my current address differs from their files.

I have already confirmed my particulars with them when the DSAR went in,

as I supplied them with certified copies of requested documentation signed by a GP.

 

 

They are now claiming that a GP is not on their list of professionals that they accept as signatories

- if this is the case then surely they should not have sent me info under the DSAR?

 

 

Have spoken to FOS, who can't help, and ICO who won't as they don't consider it a breach

 

had enough now,

it means I have to go and get certified copies from a solicitor who will charge and are not cheap

 

thoughts?

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CTAX Bill?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Notary public - they will usually be a lot cheaper than a solicitor - strangely enough, you will usually find one at a Solicitors office !

 

http://www.thenotariessociety.org.uk/

 

I am finding it strange that the FOS/ICO will not intervene as this is making unnecessary work / cost for you.. out of spite by the looks of things ?

 

I would start an official complaint via their Head/Registered office and then if no satisfaction, escalate to the FOS asking them to explain their reasons for this should they decide not to take this up - GPs have always been on the list of professionals for this type of thing.

 

Did they send your SAR to the new address, which they are now requiring confirmation of ?

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  • 4 weeks later...

UPDATE

 

confirmation of refund amount, less tax, received from canada square 30/03/16

 

cheque received this morning 04/04/16, and is post dated.

 

 

their continuing efforts to make me jump through hoops thus proving what a bunch of spiteful cretins they are

 

This has been a complete drag for a long time, and I appreciate the efforts of all those that tried to help

 

success recorded HERE

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Well done spaspeckerthedull and many thanks for the update and recording your success in the PPI success Thread.

 

Regards

 

Andy

We could do with some help from you.

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hey great win

 

 

dx

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Please help.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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