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    • @jk2054 and @BankFodder - Your feedbacks in posts #199 and #202 have been incorporated into the attached WS. As usual, amends are in blue in this draft. Based on other WS drafts I've seen where the issues in dispute are part of the WS, I built my first draft WS in the same format and hadn't seen it to be an issue before. You will notice that the 'witness statement' has been replaced with 'Claimant's Statement' so that issues in dispute does not need to be on a separate page before the WS. This is especially given the work that has gone in to reduce the size of the WS to 8 pages. Also thanks for the suggestions re: confidentiality - I agree with your views and will stand firm on this if a condition of confidentiality is brought up. I have not been approached by Evri on this forum or by email. I haven't yet had success in paying the hearing fee. I am calling the court as often as I can (during work breaks/lunch etc.) and have sent 2 emails to the court requesting a call back. If i don't have any success by the end of this week, I'll send another email chasing for a call back. @BankFodder - Also attached is an invoice from Packlink which shows that I was charged by Packlink for these services: "drop-off at EVRi - Next day delivery" and "Proof of Delivery". It also has the payer's address and there are "Origin" and "Destination" fields which have the postcode of the sender and the recipient (I have redacted personal details in the attached invoice).  I am already including this in my evidence bundle (without the redaction) but wanted to share this redacted version so that other people can consider this as example in their bundle of Packlink and Evri's contract being instigated by the sender of the parcel who has paid for the service, and further shows that there is information in the invoice to identify that a third party beneficiary (sender / recipient) is present in the contract between Packlink and Evri. If this invoice is no good, then please let me know / delete it from this post. Draft - Witness Statement and Court Bundle redacted.pdf Packlink invoice - REDACTED.pdf
    • It can be frustrating when clients fail to pay for services or products rendered, ignore payment reminders, or claim an inability to pay. How quick do you pass to a Debt Collection Agency like www.corporatedebtrecovery.co.uk 
    • The Court s pretty informal. The Judge [who you call "Judge" rather than Sir or madam] will not be wearing a wig and gown just a suit and it is advisable that you do the same and a tie. Other than that the Judge will do most of the talking .If they haven't received a WS from the scrotes either the case will probably be thrown out straight away. Usually the Judge will ask their lawyer a number of questions then ask for your take on things and then the case will be decided.  UKPC 0 Mystic Bertie 5. Then ask for your expenses time off work [if not being paid by your company while in Court, travelling and parking costs and occasionally they will allow something like 5 hours research at I think £8 per hour. Later celebrate and post us the result and how much fun it was. You will wonder  why you worried about it so much. Next time will be much easier.🙂
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Blemain - finished my 90mts loan - but several £1000's outstanding in penalties!!


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we had a loan with blemain, which I will admit we didn't run well,

however we got right through the 99 month term and paid as per the instructions and monthly agreed amount.

 

However after the loan term ended I contacted them to make sure that we were clear

and got told we still owed £14009

 

as far as I can see from the breakdown they have sent me this is charges for missed payments/letters/phone calls etc etc,

but this is nearly 50% of the original amount we borrowed and just seems completely and utterly wrong,

 

I got in touch with the ombudsman but because its an unregulated loan there was nothing they could do,

 

I have had to agree to pay £245 per month until this is cleared,

but I just don't feel right doing this,

 

can someone please help,

as I really don't know which way to turn,

if I don't pay the monthly fee agreed they have threatened repossession.

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stay off that phone

the penalty fees are not payable

the FCA clearly states they are unlawful.

 

even blemmy will never goto court for anything when the outstanding balance is their penalties.

 

tell them yo bugger off or removed them.

 

writing ONLY from now on

 

pay them nothing.

 

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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  • 1 month later...

Any updates?

 

I'm into my last year of my 108 month loan.

 

I was in arrears for 1-2 months maybe max 3 years ago, but have been uptodate ever since.

 

And just looking at my balance (which I've never really done) I am oweing 4k in fees!!!

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Any updates? I'm into my last year of my 108 month loan. I was in arrears for 1-2 months maybe max 3 years ago, but have been uptodate ever since. And just looking at my balance (which I've never really done) I am oweing 4k in fees!!!

 

You need to start a new thread

Of your own please

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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Hi no, nothing I am afraid, there doesn't seem to be anyone willing to help,

 

the ombudsman won't because they only started dealing with unregulated loans in 2013

and won't deal with anything prior to that,

 

its just like banging your head against a brick wall.

 

I have told Blemain the stress is making me ill,

so they have now sent me a form to complete with my doctor

- its just a joke, and they shouldn't be able to get away with it.

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  • 9 months later...

any updates?

 

 

I have been messaging someone from another forum who have gone through the exact same thing.

 

 

They had a loan of 30k completed.

With an outstanding balance of 15k of charges/fees.

 

 

They made it clear in writing they did not agree and will take the further matter if necessary.

 

 

It has now been nearly 12 months and they have heard nothing back!

No phonecalls, no letters no emails.

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  • 2 weeks later...

Hi Wungus,

i have been in the same boat and been in court,

yes for charges only,

so they will continue to court even if the payments for the loan have been paid they will pursue for the charges,

 

 

i have had a lot of charges removed including interest but there are many more remaining.

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Hi Wungus,

i have been in the same boat and been in court,

yes for charges only,

so they will continue to court even if the payments for the loan have been paid they will pursue for the charges,

 

 

i have had a lot of charges removed including interest but there are many more remaining.

 

Hi, and what has happened at court so far if you don't mind me asking?

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They wont do anything regarding the charges. Just ignore them. They wont touch your credit file, they wont do court. They will just expect you to pay ( theyre a sub prime lender afterall).

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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