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    • Thanks honeybee13, They have not been in touch with with my partner yet. Will my partner be implicated? I really don't want to and have to live with knowing that the pass is confiscated and will not get it back?? I must admit i use the pass non peak and use it for 2 or 3 days a week.  I have no excuses and am bad in writing letters. I have read some thread and sample letters but i don't have mitigating circumstances. My mind is totally blank and can't sleep. 
    • Shocked at Argos' stance on this, after my recent dealings with them. Purchased a laptop and after a month the battery went dead. They simply exchanged for a new one with no issue, even though they did not have to.   My question being, can you confirm how long after you purchased the phone did you go back and ask for a refund?
    • @Lovetoteach can I ask… do you rent? Is there anyone here who has a mortgage/owns their house? 
    • I’ve been having the same letters since 2017, the same cycle of letters comes every year.  I used to panic but please please do not respond to them. Your money will not go to the bank, you’ll just be lining this company’s pockets. They’ve found every address I’ve moved to and still my home (Mum’s). Ignore and get on with your life 🤍🤍🤍
    • Hi. Please tell us about what happened on the day you were stopped so we can start thinking about this. Also, how many times did you use the pass? I assume it was confiscated - have they been in touch with your partner? HB
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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.

      Frankly I don't think that is any accident.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
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Egg default. Debt settled 2 years ago, which route now

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Wonder if anyone can help. My OH has a default on his record from Egg. We settled the debt immediately, therefore owe them nothing now. Which route do we take to get this removed, the surlybonds letter route http://www.consumeractiongroup.co.uk/forum/legalities/24013-defaults-proposed-method-removal.html

or this one http://www.consumeractiongroup.co.uk/forum/legalities/11659-how-get-your-default.html


i think i read somewhere that one is more for if you still owe the money and one is for if the debt is settled but i'm not sure which is which.

Any help would be greatly appreciated.





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Hi Snooty-c


If you did'not no that monies where still owed, I.e you thought you paid it, and on realisation of the default on your credit file the outstanding was paid, then tell them what happend, be prepared to get your nose brown and lick As*, ask to them to remove the "default", if the ammount was small your chances get better.


how old isthe debt? how much was it for? how was the account managed befor the default?

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What happened was we got into a little difficulty as we were overstretched. Prior to this the account was paid by direct debit on time. It all seemed to happen very quickly. We kept in touch with Egg to let them know what was happening at the time but the loan we got to consolidate came through too late to pay them off before they put a default on. I remember getting a letter saying they would default us if we didn't pay by a certain date but don't remember getting a default notice. We settled the debt probably about a week after the default went on the file, this was about 2 years ago.???

Do you think the best thing to do first is to ring them up and ask them nicely to remove the default???




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