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    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • 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
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      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.

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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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      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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Just had an email from my MPs office telling me that he will be in touch shortly with some news. So I suppose holding horses might be the route for today!

 

Need to work for the rest of today any way - a living has to be made and I'm the only one in. Juggling telephones and computers.

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well it sounds like thing have kinda been going your way.

 

I hope you are looking forward to this news from your MP as it sounds like there may have been abreak threw.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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My daughter cannot do any more - so from her point of view bankruptcy is the fastest and easiest option. Bankruptcy hearing at 9.30am Wednesday 27th. Lets hope its an auspicious day! Always provided she hasnt been pulled into hospital before then, she needs some surgery that is becoming pressing.

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Make damn sure you let the Judge know exactly what has happened and that the judge is aware that your MP is involved.

 

This is insane.

 

Sorry, but this really doesnt add up.

 

Sorry its not my decision to bring it all to an end but my daughter's, she is nto in any position to cope with any more emotional turmoil, she needs and deserves some quiet in her life, there is more wrong with her then I have ever put on this forum, and I cannot bear to see her becoming more frail. So we are bringing the financial side to a close at her request. In her submission for bankruptcy we have put int all that has happened to her, and why she is taking this course of action, there is also a doctors statement about her health.

 

A clean slate in her circumstances is really all that is needed, to stop the hassle from the credit card companies etc.

 

If this was me I would go all the way down the road to making the person who is responsible pay, but I am healthy and will outlive my daughter. My daughter deserves not to have to battle with the Credit Card Companies. I am sure the Judge will see it that way. She really cannot do any more, her body is getting weaker by the day, and her mental health is also going down with her physical problems.

 

Its what my daughter wants.

 

The MP never did get back to me! no suprise there! To those that have shall be given and from those that have not it will be taken.

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Just sending you my support sister and hope your daughter feels a little better when this is all over .... best wishes from Caz :)

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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What is the name of your MP?

 

Patrick Hall

 

and despite what his researcher said he has not been in touch with us. so as I have said in my email to him to tell him that the bankruptcy hearing is tomorrow morning, we will continue with our own resources as we always have - and of course with all the help that I have had from here - this place really is an amazing resource.

 

Today Virgin/MBNA have told us that they do not see that any of it is fraud and if we believe it to be we should report it to the police. they also say they have lost patience with us and are demanding the lot back within seven days.

 

The good bit of news for us is that my daughter got her letter giving her entitlement to Income Support, that helps with the court fees, and she now has enough money to pay her rent - the council are holding her housing benefit until she has another bank account or the receiver tells them where to send it. We will look at that as next months rent and her utitlity bill payments. I know this is not going to be easy while everything is sorted out, but my daughter will know exactly where she stands once its all sorted.

 

She has another infection, and for the next three weeks she has an extra day at the hospital for various appointments, so instead of three days a week there whe will be there for four days a week!

 

Wish her luck for tomorrow - she is dreading it - but also seeing it as her way out of an invidious situation.

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The first bit is now over, no one can phone her or write to her any more as she is officially bankrupt and all letters etc have to go to the official receiver, whom I will hear from this afternoon. She is much more relaxed now, as everyone was extremly lovely at the court, they all went out of their way to make sure she was comfortable, especially after they read the section where it was explained why she was asking for bankruptcy. So there are some nice official people afterall.

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OK, sisterno1, there are two things you need to do:

 

1. Chose a bank (not one your daughter owed money to) such as Co-Op or nasty west, and apply to open a basic bank account ASAP ... cause they can take weeks to open and,

 

2. Send a copy of the bankruptcy order to all her creditors, making sure that you keep a copy of your proof of posting.

 

 

i think your daughter will find that it's 95% plain sailing from here, just a question of having a chat to the OR and then that will likely be it.

 

if anyone calls, quote the bankruptcy order and address of OR, and leave it at that. If they call a second time, report them to OR.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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thank you - the OR must have been busy today as no telephone call. Will go and phtocopy the bankruptcy order and get it all in the post today, (is there any reason for maybe faxing them?) and yes have started looking around for a bank for her, but apparently according to all the literature not allowed to do anything about that until the OR tells her to.

 

However have telephoned and now written to the DWP and the jobcentre to get the rest of her benefits by giro until another bank is found, the only thing that we have difficulty with is her HB as the council is holding onto that until a new bank account is opened, they dont pay cashable cheques, and they will not put it into any other account except with my daughters name on it. I would have liked to talk to the OR today so that those things can be straightened out, but tomorrow will do!

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thank you - the OR must have been busy today as no telephone call. Will go and phtocopy the bankruptcy order and get it all in the post today, (is there any reason for maybe faxing them?) and yes have started looking around for a bank for her, but apparently according to all the literature not allowed to do anything about that until the OR tells her to.

 

Fax, email, post... whichever you like, as long as you retain proof you sent it to them.

However have telephoned and now written to the DWP and the jobcentre to get the rest of her benefits by giro until another bank is found, the only thing that we have difficulty with is her HB as the council is holding onto that until a new bank account is opened, they dont pay cashable cheques, and they will not put it into any other account except with my daughters name on it. I would have liked to talk to the OR today so that those things can be straightened out, but tomorrow will do!

 

yeah, good luck.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Well done sister :D

Bet you're feeling like a big weight as been lifted off yours and your daughters shoulders after the hearing this morning.

The post office account is a great idea.

Why doesn't the Housing benefit go straight to the landlord?

It would save a lot of hassle in the long run and would be one less direct debit to set up. ( just a thought)

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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Well done sister :D

Bet you're feeling like a big weight as been lifted off yours and your daughters shoulders after the hearing this morning. YES even though there is a little more to do.

The post office account is a great idea.

Why doesn't the Housing benefit go straight to the landlord? 'cause the landlords agent will not deal with it becasue HB is paid in arrears two weekly and the rent is monthly and then there is the bit that my daughter has to pay to make it up and the poor people cannot do the reconciliations, and we would rather not rock the boat as my daughter doenst want to leave "her" house at the moment.

It would save a lot of hassle in the long run and would be one less direct debit to set up. ( just a thought)

 

All mine in green within the quote

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OK how long do we wait before we take the initiative and get in touch with the OR? When we left the court yesterday we were told that the OR would be in touch yesterday - so far not yesterday and not today - daughter at hospital today - she deliberately put my name and number on the paperwork and gave leave for me to be contacted - but she hasnt been contacted nor have I. this is worrying

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Erm, you'll have ta give me a hint... what thread do you want merged?

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Erm, you'll have ta give me a hint... what thread do you want merged?

 

This one and this one

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/120736-help-required-pointers-7.html

 

They are really the same story - they both used to be in the general debt forum - but it doenst really matter one way or the other - I started this one as I was so furious with the police! seems such a long time ago now.

 

As an addition I am now furious with our MP, he seems to care about helping people who are disadvantaged and the dirty done on them, but not on this occassion! Maybe its because we no longer canvass or vote for them:mad:

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Cool, I've merged and moved to the Formal Solutions debt forum.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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