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    • 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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      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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SENDING DOCUMENTS TO LTSB'S solicitors -SCM


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I have noticed on some LTSB threads that the solicitors are claiming that documents sent to them using signed for Royal Delivery Mail services are not being received at the time the RM Website says they are.

 

Royal Mail assure me that Special Delivery service is being delivered by Managers during the Postal dispute and are as they claim.. Guaranteed..

 

Checking the site today to ensure a letter sent out on the 22nd October 2009 for guaranteed delivery the following day, 23rd October 2009... had been received and signed for.

 

However, there was a message saying:

 

"Your item with reference numbr 123456 etc was delivered before 10.19 on 26/10/2009 (It should have been delivered on the 23rd - Guaranteed)

 

As this item was redirected, it will have taken longer than usual Please ensure the correct address is used for future mailings"

 

Knowing that I had used the address on SCM's letter heading for the envelope, I contacted Royal Mail to ask why it was necessary for documents to be redirected.

 

The address I used was:

 

SCM

Solicitors

Department SO

PO Box 499

Second Floor

Three City Park

The Droveway, Hove

East Sussex

BN3 7AU

Royal Mail advise there IS a redirect on this address and mail is being redirected to LTSB in Brighton.

Please be aware of this when **** deny receiving letters /documents. If they are unable to provide a proper postal address then it is not our fault they dont receive letters on time.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Lets hope so:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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...............

The address I used was:

 

SCM

Solicitors

Department SO

PO Box 499

Second Floor

Three City Park

The Droveway, Hove

East Sussex

BN3 7AU

 

Royal Mail advise there IS a redirect on this address and mail is being redirected to LTSB in Brighton. ...........

 

 

found this 'branch' address for **** showing on the law soc website as: dept so, box499, brighton, E sussex, bn1 3xj - this postcode is the same one as for ltsb, queens road quadrant, brighton!

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  • 3 years later...

SCM Solicitors of Hove, East Sussex : Two months after Lloyds TSB agreed with my Debt management company to accept an offer and confirmed it in writing they masqueraded as SCM Solicitors sending me a final notice that their clients Lloyds TSB will be taking me to the county court and issuing proceedings for the full amount unless I pay them the full amount within 14 days. It was signed by a solicitor Mr. Aamir Khan.

This company of solicitors do not exist, it is LLoyds TSB trying yet another stunt and scare tactic on the unsuspecting public. Is this Financial Ombudsman aware of this disgusting and unethical behaviour of this terrible bank that say “They are for the journey” perhaps to hell maybe. But certainly not if you want peace of mind and anyone you can trust. The trust has gone out of the window.

What happened to the trustees saving bank? Honesty? I don't think so.

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OK, let's get this straight for the whole world. Lloyds TSB bank send out letters under the name SCM Solicitors claiming that they are acting on behalf of their clients who are Lloyd TSB bank.

After Lloyds TSB have agreed to accept an offer of payment these letters are sent out to scare the hell out of you so that you will panic, borrow the money, get into unnecessary debt just to pay this fat cat bank off who are not telling you the truth.

When you write to them all letters are redirected automatically to Lloyds TSB in Hove as they are a department and a part of Lloyds TSB banking organisation.

This has been confirmed by Debt Advisory Line who deal with them on a constance basis on behalf of their clients/ Victims of Lloyds TSB.

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It is my understanding that SCM are the "in house" litigation team for LTSB.

 

You can indeed take your complaint to the Financial Ombudsman if LTSB are instructing their solicitors to take actions that are contrary to regulations and guidelines or where the actions are misleading.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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yes, in house, mr khan is currently on the law soc site as a solicitor employee of loyds. no doubt loyds as part of their debt recovery management send out the auto scm template letter, usually the 'formal demand'. if loyds themselves do litigate, they are likely to use their sols ie their 'scm'.

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  • 2 months later...

This thread is now in "General Legal Issues"

 

It is purely an administrative move.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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