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    • We used to recommend that people accept mediation but our advice is change. The mediation process is unclear. Before you can embark on it you have to agree that you are prepared to enter a compromise – and that means that you agree that you are prepared to give up some of your rights even though you are completely in the right and you are entitled to hundred percent of your money and even though EVRi are simply trying to obstruct you in order to discourage you and also to put others who might want to follow your example off from claiming even though they have a legitimate basis for reimbursement. Mediation is not transparent. In addition to having to sign up that you are prepared to give up some of your rights, you will also have to agree not to reveal any details of the mediation – including the result of the mediation – so that the whole thing is kept secret. This is not open justice. Mediation has nothing to do with justice. The only way of getting justice is to make sure that this matter goes to trial unless EVRi or the other parcel delivery companies put their hands up and accept the responsibility even if they do it is a gesture of goodwill. Going to trial and winning at trial produces a judgement which we can then add to our small collection to assist other people who are in a similar boat. EVRi had been reading you around by the nose since at least January – and probably last year as well – and their whole purpose is simply to drag it out, to place obstacles in your way, to deter other people, and to make you wish that you'd never started the process and that you are prepared to give up your 300 quid. You shouldn't stand for it. You should take control. EVRi would prefer that you went to mediation and if nothing else that is one excellent reason why you should decline mediation and go to court. On mediation form you should sign that you are not prepared to compromise and that you are not prepared to keep the result secret but that you want to share the results with other people in similar circumstances. This means that the mediation won't go ahead. It will take slightly longer and you will have to pay a court fee that you will get that back when you win and you will have much greater satisfaction. Also, once you go the whole process, you will learn even more about bringing a small claim in the County Court so that if this kind of thing happens again you will know what to do and you will go ahead without any hesitation. Finally, if you call EVRi bluff and refuse mediation and go to trial, there is a chance – maybe not a big chance – but there is a chance that they will agree to pay out your claim before trial simply in order to avoid a judgement. Another judgement against them will simply hurt the position even more and they really don't want this. 300 quid plus your costs is peanuts to them. They don't care about it. They will set it off against tax so the taxpayer will make their contribution. It's all about maintaining their business model of not being liable for anything, and limiting or excluding liability contrary to section 57 and section 72 of the consumer rights act.  
    • Nice to hear a positive story about a company on this form for a change. Thank you
    • too true HB, but those two I referred for starters - appear to be self admitted - One to excuse other lockdown law breaking, by claiming his estate away from his consistency and London abode was his main home the other if he claims to have 'not told the truth' in his own words via that quote - to have mislead his investors rather than broken lobbying rules   - seem to be slam dunks - pick which was your law breaking - it seems to be both and much more besides in Jenricks case Starmer was director of public prosecutions yet the tories are using seemingly baseless allegations for propaganda and starmer is missing pressing apparent blatant criminality in politics
    • I am sure the resident experts will give you a comprehensive guide to your rights.  The responsibility lies with the retailer. I have dealt with Cotswold before for similar. And found them refreshingly helpful.   Even when I lost the receipt for one item I had bought in Inverness. The manager in Newcastle called the store. Found the transaction and gave me a full refund. 
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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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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Co-Op Card debt and Cabot/Equidebt


Baz1994
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Sent a CCA request to Cabot 6/6/15

 

Signed for and received 8/6/15

 

Reply received today and I have attached an edited copy.

 

They mention that information will be provided in 40 days. If details are not provided by 23/6/15 will it still therefore be unenforceable ?

 

Cabot bought the account from Equidebt in 2013. I have never received any form of annual statements from anyone including the OC. I have only been advised of the debt balance so therefore have they failed to comply with FCA handbook CONC 13.1.5 ?

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Cabrot know the rules as do we.

 

Once they have failed to supply the CCA within the prescribed time limit

then all payments should STOP, until such time they can magic one up.

 

Yes you should be receiving annual statements of account, from whoever has

their grubby mitts on the account at the time, otherwise you get cash cowed.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Cabrot know the rules as do we.

 

Once they have failed to supply the CCA within the prescribed time limit

then all payments should STOP, until such time they can magic one up.

 

Yes you should be receiving annual statements of account, from whoever has

their grubby mitts on the account at the time, otherwise you get cash cowed.

 

A belated thanks Bazooka - Will see what they come back with and will advise forum.

 

Well no statements from CO-OP anymore or when Equidebt had it. Shall I just not mention for now and wait for response re CCA ?

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if its been with equidebt 99% you've been cash cowed for years

 

 

when does this co-op card originate from?

 

 

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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Well no statements from CO-OP anymore or when Equidebt had it. Shall I just not mention for now and wait for response re CCA ?

 

Let them rot, even when they fail to supply one, ignore them, no need to keep poking the hornets nest.

You have stopped paying them haven't you?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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if its been with equidebt 99% you've been cash cowed for years

 

 

when does this co-op card originate from?

 

 

dx

 

1998

 

Already claimed PPI but now wanted to stop paying anything else.

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Let them rot, even when they fail to supply one, ignore them, no need to keep poking the hornets nest.

You have stopped paying them haven't you?

 

OK cheers again bazooka.

 

Next payment due end of the month so I will cancel the direct debit.

 

Equidebt were quite forthcoming with reduced payment offers if I remember.

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I have had 4 CCA requests outstanding from Cabot for friends, (11 months so far) they have yet to fulfil their duty to supply it. They write every so often to the debtor, who keeps the letters for future reference, but they give up or transfer it to the next silly letter writer some time down the line.....

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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I have had 4 CCA requests outstanding from Cabot for friends, (11 months so far) they have yet to fulfil their duty to supply it. They write every so often to the debtor, who keeps the letters for future reference, but they give up or transfer it to the next silly letter writer some time down the line.....

 

Cheers mikeymack

 

I will see what they comeback with but in the meantime I will stop payments.

 

I will keep forum posted.

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  • dx100uk changed the title to Co-Op Card debt and Cabot/Equidebt
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