Jump to content


  • Tweets

  • Posts

    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      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
        • Like
  • Recommended Topics

Metropolitan Collection Services - Action on a stayed claim


Castlebest
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5366 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Was your daughter an officer of the company and if not why did she need to sign the loan?

 

Was the loan given to the company as a business loan or to your husband and daughter as a personal loan?

 

It sounds like the Bank are using their terms and conditions to hold the parties to the loan "jointly and severally" liable in other words the bank will say they are both liable together and as individuals.

 

I think you should seek professional advice or at least talk to Citizens Advice or the National Debtline. Without seeing the actual documents involved, both for the loan and for the company its difficult to say where your daughter stands.

 

pete

Link to post
Share on other sites

  • Replies 75
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

My step daughter was just a signatory on the account as far as I knew but it appears that she has signed some things as 'partner' although there was no formal partnership agreement. Of course, we cant see any of the original documents because they are all with the Official Receiver. It was a business loan and both the business and my husband were declared bankrupt in June. The official receiver hs told HSBC that he considers the debt to be part of that bankruptcy but they have chosen to form their own view - and although I am not sure they are right and kind of discussion on what is and isnt right seems to be impossible. It will be a miracle if me and my husband are still togethr this time next week if I dont stop getting all the flak!

Link to post
Share on other sites

I agree with pete, messydesk . You certainly seem to be the person least liable in all this .

 

IMHO, if your daughter is not a legal partner and the receiver and taxman are happy to confirm sole trader status , then I don't see how HSBC can legally view it differently.

 

Also , if a business is in the hands of the receiver, I would say HSBC have to deal with them , not the trader.

  • Haha 1

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

  • 2 months later...

Thank you to everyone on this thread. I have found all the information most helpful and have responded to MCS accordingly.

 

Good luck to everyone who needs it in dealing with this company and thanks again for all the information

Link to post
Share on other sites

  • 6 months later...

And here's my reply :)

 

 

Metropolitan Collection Services Limited

56 St James Road,

Edgbaston,

Birmingham

B15 1JL

Dear Sirs

My account with HSBC Bank Plc

Account number xxxxxxxxxxxxxxx Outstanding Balance £ xxxxxx

I acknowledge receipt of your letter dated 20th August 2009 which appears to be exactly the same as the letter you sent me dated 28th December 2007. As nothing has changed in the intervening time period to allow us to come to an amicable solution to the dispute I have with HSBC I will do no more than repeat the comments contained in my letter to you of 4th January 2008 with a little more clarity.

I now formally refuse to pay the sum of £xxxxxx and demand you pay me the sum of £xxxxxx being the current total of my county court claim number xxxxxxxxx against HSBC plus the total unlawful charges and interest against those charges that were applied to my account after the submission of my claim less the final overdrawn balance of my account.

I confirm any further costs including my own costs caused by your actions in this matter will be your own fault for being too stupid to read the correspondence concerning this dispute and take heed of the current legal situation that exists and therefore will be at your own liability.

I confirm I have withdrawn my permission for you or your client to share any information concerning this matter and therefore if you report a default against me a second time with the data reference agencies it will be a breach of the Data Protection Act, The Banking Code and the terms of your credit licence and will result formal complaints to the Information Commissioner and the Financial Services Authority and possible further legal action against you and your client.

I further confirm if my account is referred to debt collection agents who try to act without the required legal backing and attempt to call on me to collect payment I will contact the police to have them removed from my premises by force and commence harassment proceedings against them, you and your client immediately.

I trust this clarifies the situation

Luv and Kisses

Castlebest ;)

Link to post
Share on other sites

Why are they being dumbasses? They clearly cannot read their notes from the last time, lol.

 

They are being HSBC :rolleyes: they are a large powerful organisation and they think they are above the law.

 

I'm sure in 90% of the cases where they use letters like this they get some money back because people are not aware of the law and are easily bullied by companies like HSBC.

 

We can only hope that more people read threads like this one and stand up to this sharp practice :cool:.

 

pete

Link to post
Share on other sites

They are being HSBC :rolleyes: they are a large powerful organisation and they think they are above the law.

 

I'm sure in 90% of the cases where they use letters like this they get some money back because people are not aware of the law and are easily bullied by companies like HSBC.

 

We can only hope that more people read threads like this one and stand up to this sharp practice :cool:.

 

pete

 

If they are on forums they don't. I think I use the get stuffed approach with any DCA's especially if a bank charges claim has already gone in. It works a treat :D

Or the take me to court and I will defend the claim vigorously. Or I will not make any payment plans until the conclusion of the OFT test case issues.

Normally works quite well.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

They are being HSBC :rolleyes: they are a large powerful organisation and they think they are above the law.

 

I'm sure in 90% of the cases where they use letters like this they get some money back because people are not aware of the law and are easily bullied by companies like HSBC.

 

We can only hope that more people read threads like this one and stand up to this sharp practice :cool:.

 

pete

 

If they are on forums they don't. I think I use the get stuffed approach with any DCA's especially if a bank charges claim has already gone in. It works a treat :D

Or the take me to court and I will defend the claim vigorously. Or I will not make any payment plans until the conclusion of the OFT test case issues.

Normally works quite well.

 

 

I received something similar, Pete and have used your approach, with a little of YB's "stick that in your pipe and smoke it" :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

Link to post
Share on other sites

Hi ,Pete :)

 

They're obviously in 'automatic mode ' on this - sending them out willy nilly , as you say in the hope of catching a few unwary customers ... :mad:

 

If they'd checked the last correspondence they got from you on this subject - they wouldn't have been so stupid as to repeat the process - would they ?:rolleyes: LOL !

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Hiya Johnny :) hope you had a good break North of the border :D.

 

Logicaly you should be correct but having delt with HSBC and Metro in dispute mode for the last 3 or 4 years I'm honestly not convinced they have a clue what they are doing :rolleyes: lol

 

pete

Link to post
Share on other sites

  • 3 weeks later...

So this is what they have in the post :D

 

A J Martin

Moorcroft Debt Recovery Limited

PO Box No 17

2 Spring Gardens

Stockport

SK1 4AJ

Dear Mr Martin

My account with HSBC Bank Plc

Account number xxxxxxxxxxxxxx Outstanding Balance £ xxxxxxx

County Court Claim Number xxxxxxxxx

Moorcroft Reference xxxxxxxxxxxxxxx

 

I acknowledge receipt of your letter dated 17th September 2009 and note with interest you have been instructed by your client to recover the outstanding balance on the above account and the fact you are giving me notice of intended litigation.

As your client seems to have failed to give you full particulars of the current situation regarding this disputed account I feel it is my duty to draw your attention to my own county court claim number xxxxxxxx which has now been stayed subject to your clients’ legal representative, DG Solicitors application to the court to await the outcome of the Commercial Court proceedings between the OFT and the Defendant (and seven others) comprised in Claim No. 2007 Folio 1186.

I am not actually surprised by your client’s instructions to you as they have made it quite obvious by their shabby and frankly unethical behaviour to date that they feel they are above the law and can flout the banking charter at will.

I suggest you await the outcome of the test case as DG Solicitors are advising all of the claimants who currently have outstanding writs against your client or ask D G Solicitors to request the stay be set aside so we can proceed to a hearing and settle this dispute once and for all. I’m sure as a Debt Recovery Specialists you will be well aware of this situation by now.

 

Luv and Kisses

 

Castlebest

Link to post
Share on other sites

HSBC arent going to give in gracefully are they ? :)

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

Link to post
Share on other sites

Oh ,pete! :) Will these beggars never learn .:rolleyes:.... HSBC got bitten the last time they tried it on with you ,..........

 

I'm most impressed by the restraint you have shown in that letter (above) ..you're obviously not in the throes of giving up smoking this time .. ..........:D

 

btw ...congratulations on passing the 6000 !! ,mate ....... :-)

Edited by johnnymitch

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

  • 2 weeks later...

And my reply :)

 

A J Martin

Moorcroft Debt Recovery Limited

PO Box No 17

2 Spring Gardens

Stockport

SK1 4AJ

Dear Mr Martin

My account with HSBC Bank Plc

Account number xxxxxx-xxxxxxxx Outstanding Balance £ xxx.xx

Moorcroft Reference xxxxxxxxxxxxxx

 

NOTICE OF LITIGATION ALREADY IN PROGRESS

COUNTY COURT CLAIM NUMBER XXXXXXXX

 

I acknowledge receipt of your letter dated 28th September 2009 and again confirm to you the debt you have been instructed to recover is already the subject of my own County Court Claim No XXXXXXXXX against your client.

Your own proposed litigation against me is totally pointless and any costs you incur proceeding with this action will be your own responsibility as you are not a party to the litigation that is already in progress.

I suggest you refer back to your client or their legal representatives DG Solicitors who are fully aware of the current situation before you waste any of your own money in futile litigation.

More Luv and Kisses

Castlebest

Cc

DG Solicitors

12 Calthorpe Road

Edgbaston

Birmingham

B15 1QZ

Link to post
Share on other sites

They're certainly trying pete ......... in both senses of the word !

 

Nice letter .... and very diplomatic (for you) .... :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Hi all, I have just received one of these letters demanding payment, however I very clearly remember the judge at Leeds Mercantile Court in August 2007, telling DG solicitors that he would stay claims until the outcome of the OFT case, however no further action or attempt to recover amounts would be made by HSBC - otherwise he would grant the lifting of the stay and hear the claims.

 

How do I now go about having the stay lifted? In my view I will call the court on Monday to get the name of the Judge who presided at the August 2007 hearing and send a letter to the court with a copy of the letter from HSBC(MCS) asking for the stay to be lifted as per the instruction from the judge as HSBC have ignored and acted in contempt of his instructions.

 

Any other thoughts on how to approach this with the court to have the stay lifted. Anyone else going down the same route.

 

Cheers JJF

Link to post
Share on other sites

As the good judges decision was early on in the 'stayed' claims scenario , some individual judges made these pronouncements ..... although nothing is known for certain I think the word went to the courts that all claims , (with the exception of severe hardship ones ) would remain stayed until the outcome of the OFT test case .

 

I would just write and invite DG to take you to court , pointing out that your stayed claim will come into play should they be daft enough to go down that road .. :)

 

Actually . pete castlebest's letter at the beginning of this thread is a good place to start ..... :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...