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    • Thank you everyone!  thought to share some points from my experience in court today that may help others who are taking Evri to court: The judge sets out how the hearing will go and how each party should behave; while i was certainly feeling anxious/nervous ahead of the hearing (and I'm sure @jk2054 may have also observed this), the judge really does try to put any non-legal persons at ease; refrain from talking to the other party and instead speak to the judge if you have any questions/responses; the judge and the advocate spoke about tort of negligence - i wasn't sure how this applied to my case but the judge was questionning the advocate about this so i chose to stay out of this; the judge made reference to a historical case of Donaghue v Stevenson which established a duty of care; the judge observed that some of the points in Evri's witness statement by george wood needed cross examination but george was not present today for questionning; While i was claiming 8% interest, the judge pointed out that is the upper limit and that today, savings accounts give 4-5%. I therefore opted for 5% interest which was agreed to by the judge and the advocate; above all else, ensure you know your court bundle and have any notes to help you refer to specific sections - it helped me to structure my answers to the judge/defendant's queries, and point to specific evidence where i was asked to prove e.g., the value of the item. @honeybee13 - yes, will confirm when payment is received. I have emailed the Evri.claims email with my bank details and also provided them after the hearing to the advocate. @BankFodder message received and i am replying to it
    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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!!Logbook Loans!!


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Hi there

 

Logbook loans = :???:

 

Wondered if anyone could give me any advice on the issues Im having with these at the minute.. I borrowed £1500 from them in Sept 2006 I have finished paying back the loan at the end of Sept 2007 however they dropped a bombshell on me that I still owed another £330 for letter and call charges.. So I set up a payment plan to re-pay back these charges at 55pw for 8 weeks.. equals approx £440!!! Dunno how they worked that out anyway I accepted and have paid back 4 and a half weeks so far of the payment plan. Ive actually managed to pay 2 weeks in one go so Im actually ahead of my plan.. £245 paid out of the £440 so theres me thinking OOoooo I only have £200 left to pay thats 3 and a half weeks left!!

 

Anyway I phone them today to make an additional £30 payment and I ask them how much I have left to pay and they tell me £300!!!!!! I question it and they say the orginal payment plan to clear the charges was set up incorrectly.. SO MY CHARGES HAVE GONE FROM £330 to £500 in a matter of 4 weeks!!!! I had a bit of a rant and rave with em on the phone and got myself into another payment plan of £52 over 5 weeks. So I said to the girl on the phone will that be it after the 5th week and she said NO!!! Ill still have another payment of about £20 to make for interest.. {but I cant take that seriously so I asked for it in writing) even though she said the reason my chrages had gone up to about £500 was the daily interest..

 

GRRRRRRRR... are they talking a load of Bull or what with these charges.. I dont really know where to go from here [srug]

 

Pwwwwwwwwwease help with any advice :-D Cheers muchly

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**Bump**

 

Bloomin 'eck! :eek: typical 343.4% apr!!

 

What have you asked them for in writing? I would request all info on this account, starting with the original credit agreement. It sounds to me like they are ever so slightly taking the p***

Hit the scales, you know you want to :p

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**Bump**

 

Bloomin 'eck! :eek: typical 343.4% apr!!

 

What have you asked them for in writing? I would request all info on this account, starting with the original credit agreement. It sounds to me like they are ever so slightly taking the p***

 

 

I have my agreement somewhere Im going to look for it and thought about going to see a solictor tomorrow.. what should I ask them for a breakdown of the loan from start to finish with a detailed list of the charges.. and what if they dont send, they have to by law right provide me the details??

 

edit: I asked them to put the payment plan in writing so they cant go back on there word again

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You really should challenge these charges in the same way that people have challenged bank / credit card charges, on the grounds of unlawfulness.

 

If you need a hand getting started just let us know and we shall assist!

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Guess what I cant find the agreement I signed

 

:mad: @ myself for losing it!!

 

While Im asking for all these things from them I still have to pay dont I?? Obv.. as it will be paid off by the time they respond no doubt but I still aint letting them get away with it..

 

So no agreement.. do I ask for the whole lot together with the letter stated above or is that 2 seperate letters? :???:

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You really should challenge these charges in the same way that people have challenged bank / credit card charges, on the grounds of unlawfulness.

 

If you need a hand getting started just let us know and we shall assist!

 

 

Yes please any help would be much appreciated.. I cant see a solictor I guess until I a. find my agreement or b. get a copy sent.. I dunno if they would be much help anyway

 

I did ring the ombudson today and they are sending a letter to them for me to ask them for a "final decision" Im not sure what that means?? :???:

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Guess what I cant find the agreement I signed

 

:mad: @ myself for losing it!!

 

While Im asking for all these things from them I still have to pay dont I?? Obv.. as it will be paid off by the time they respond no doubt but I still aint letting them get away with it..

 

So no agreement.. do I ask for the whole lot together with the letter stated above or is that 2 seperate letters? :???:

 

Don't worry about losing the agreement! I would lose my head if it wasn't screwed on :p

 

The S.A.R is all you'll need to request at the mo, as what they should send includes a copy of the original agreement.

 

There is a template here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html - adapt as necessay

Hit the scales, you know you want to :p

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Forgot to say...yes continue paying for now, it doesn't matter that you will have paid up by the time you get the info...you can still claim back unfair charges, etc.

 

LOL at my spelling btw! Necessay :o

Hit the scales, you know you want to :p

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lol @ your spelling dont worry about it dude and thanks for the template I shall be sending that off as soon as I can get to the postoffice for a postal order.. as long as Im helped with each stage Ill be fine :)

 

My heads been a right shed this afternoon since I spoke with them.. Im sooooo all over the shop.

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Well it is obviously more than 100% interest. "Extortionate credit" springs to mind. When you've got the details (and that agreement you are looking for - nudge nudge) we'll work out what the interest was. Might be "too high". Did the Bank turn you down? Asking for a reason - not being curious.

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Well it is obviously more than 100% interest. "Extortionate credit" springs to mind. When you've got the details (and that agreement you are looking for - nudge nudge:rolleyes: ) we'll work out what the interest was. Might be "too high". Did the Bank turn you down? Asking for a reason - not being curious.

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Assuming you've paid £3208 'ish so far.

 

That means that you paid simple interest of 113.6%. Giving an APR of

170%.

 

I think that's an extortionate credit agreement. And we haven't even finished yet as they're after extra charges!

 

The posts are mucked up as the dates are wrong. We have to wait until midnight to get right again...

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I think this one will get very interesting. Certain of it.

 

Errr - you say you've looked for the agreement. But, there's a 14 minute gap between you saying you were going to look for it and not being able to find it. I don't think you put a lot of effort in!!:)

 

Have a REALLY good look for that agreement as it could be very important!!

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You borrowed £1500.

1) How much have you actually paid back to date?

2) How much do they say is outstanding?

 

 

 

Right then phone call made and OMFGG!! :eek:

 

Ive paid them £3429.75 to date

I still owe them £260.90

 

:-x The loan Ive ever had in my life and the last one!!!

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This is your first ever loan? Why didn't you use a bank? (answers to both please!!!!) And.... did you find your agreement??? very important....

 

Yes my first ever proper loan apart from my mortgage..

 

Ive had credit agreements.. such as catalouges and such with companys before and my credit rating is too crap to go to a bank, but to be honest I was between temp work and I needed some money fast!! To help with my bills/ car insurance etc; wish Id have known then what I know now but hey ho you live and you learn!!

 

No I havent found my agreement yet :sad:

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I think this one will get very interesting. Certain of it.

 

Errr - you say you've looked for the agreement. But, there's a 14 minute gap between you saying you were going to look for it and not being able to find it. I don't think you put a lot of effort in!!:)

 

Have a REALLY good look for that agreement as it could be very important!!

 

Your right I didnt I was tired and mardy last night..I will have another go tonight :) I looked through a box of paperwork I have at home, I found one letter from them at thats all.. maybe it is somewhere else

 

I have just phoned them and they are sending me a statement of my account out in the post today, or so they say!!

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The S.A.R. should include more than statements, and you'll probably need to still request this as you want to see where charges have been added, etc. I assume you want to claim back any unfair charges? If so, the S.A.R is your best bet

Hit the scales, you know you want to :p

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You need to S.A.R - (Subject Access Request) and CCA them. (Subject access request - which means they have to print out out everything which is on their computers at the date they qet the request. CCA - Consumer Credit Act request which means they have to give you copies of all the paperwork on the loan). £10 and £1 payments respectively.

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You need to S.A.R - (Subject Access Request) and CCA them. (Subject access request - which means they have to print out out everything which is on their computers at the date they qet the request. CCA - Consumer Credit Act request which means they have to give you copies of all the paperwork on the loan). £10 and £1 payments respectively.

 

Ok thanks :wink: do you know where abouts I find the template for the CCA?? I have the SAR printed out ready to send.. I may as well save on postage and post them both together

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I'm not sure how to do this properly but look at this page and use post 15. (I'd change "we" to "I" though!). One postal order for £11 but don't put your signature on the letter (or anywhere). Recorded deivery at least. But best is guaranteed next day but slightly more expensive.

 

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

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I'm not sure how to do this properly but look at this page and use post 15. (I'd change "we" to "I" though!). One postal order for £11 but don't put your signature on the letter (or anywhere). Recorded deivery at least. But best is guaranteed next day but slightly more expensive.

 

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

 

Ok dude cheers for that.. Im curious as to why no signatures though?? :???:

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