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    • 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  
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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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Getting a 2nd account - who would you recommend


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Hello!

 

I'm starting to realise that it would be a VERY good idea to get a 2nd account set up before I start attempting to get the £100's that the Co-op has overcharged me over the years.

 

Who would you wise lot recommend as an alternative though? Please bear in mind I have a less than perfect credit history - defaulted on a couple of credit cards, been pursued for an unpaid council tax bill etc, and I wouldn't be able to deposit a vast amount at first, as the T&C's of my co-op account overdraft state than deposits to the account (i.e my wages) have to remain the same.

 

Who would you suggest? Oh, and if you apply to open an account with a bank and they decline you, does that leave a credit mark on your credit account like a declined loan or credit card?

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No bank is better than any other. If you have poor credit try the Co-op or Natwest Step Account. I think Barclays have a basic account as well.

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Ok, I'm going to duck rotten tomatoes here, but I find that Barclays is slightly better.

Why?

Well, if I check online in the morning and I see I have gone over, I can go and pay money in that day before 3.30pm, and it will bring my balance back under and I won't get charged.

If I pay a cheque in, the money is available straight away. Yes, I'm paying extra interest, but that is a service and that, I'm happy to pay for.

 

And this is the reason I'll be going after them last for my charges :D

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I need similar advice to be honest. My crediot rating is very poor indeed and Barklays have denied me a normal checking account.

 

Sorry about posting in this thread, but I do have information to pass on too.

 

What I need, and indeed I am sure the original poster needs, is a checking account, for when the whole "I'm suing you" loses us our bank accounts.

 

You can indedd obtain a minumal bank account in any bank. I believe that no bank can deny you bank account due to the law. The reason for this, is that things like pentions are paid in to banks now a days and an individual should not be withour a bank account for payments in.

 

I have a "basic" Barklays account. This account allows me to use the cash machine to obtain money and I can also withdrawl over the counter. What the account does not allow, is Direct Debits and Standing orders. It also does not have an Overdraft facility. Also, I am not allowed to use the online facility that Barklays offer.

 

I believe that every bank will issues a BASIC "cash card account", but that is all. The problem being, that I have a lot of people that I pay via Direct Debit and Standing Order and would like to remain doing this as it makes my life a whole lot easier, not to mention making savings by paying by Direct Debit.

 

Please inform me if I have hijacked this Thread in an inappropriate manner and I will delete my post.

regards,

 

InterSimi

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i have often thought if I where to suffer from identity theft I may end up with a better credit rating.

 

I have recently signed up for a NAtwest Step account, and I will let you know if I get it.

 

I somehow doubt I will but I will let you know the result, because if I can get an account now, anyone can!

I may not have gone where I intended to go, but I think I have ended up where I needed to be.

http://www.saner-the-stoner.com - Life the universe and everything

http://442online.net - 442 Football Forums

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I too will try to obtain the Step Account. I might also trawl through the high street with all my details and try and get a checking account at various braches and let you all know my results.

 

I do need a checking account, so I might as well put the effort in now before it gets heavy.

regards,

 

InterSimi

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Please inform me if I have hijacked this Thread in an inappropriate manner and I will delete my post.

 

I don't think you've hijacked it all!

 

You've made a fine contribution to this thread, and that's what BB are about, aren't they?

 

Mind you, I'm only a newbie, so what would I know :wink:

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The Natwest Step account allows D/Ds, Standing Orders etc. It also gives a Debit Card which is very handy these days.

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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The Natwest Step account allows D/Ds, Standing Orders etc. It also gives a Debit Card which is very handy these days.

 

 

Thats what I need, I have a number of things that I pay for online, without my debit card I would be lost.

I may not have gone where I intended to go, but I think I have ended up where I needed to be.

http://www.saner-the-stoner.com - Life the universe and everything

http://442online.net - 442 Football Forums

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Please inform me if I have hijacked this Thread in an inappropriate manner and I will delete my post.

 

I don't think you've hijacked it all!

 

You've made a fine contribution to this thread, and that's what BB are about, aren't they?

 

Mind you, I'm only a newbie, so what would I know :wink:

 

You would say that, you thread hijacker you! :lol:

 

(only kidding!)

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I have been through the appropraite question to create an account and recieved the folloing message. I just have to wait now:

 

Thank you for your application.

To complete your request we will send you all the relevant documents.

 

Please check and sign where indicated and return in the pre paid envelope provided.

 

Once we have received your documents we will consider your application and write to you with our decision.

 

You may also be asked to provide some identification documents. If so, please note that we can only accept original documents, which we will return once your application has been processed.

 

regards,

 

InterSimi

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There is some info available from here, in pdf format

 

http://www.fsa.gov.uk/consumer/pdfs/bank_account.pdf

 

Page 6-7 has a condensed summary, which I think is quite useful. Not sure if this is bang up to date, but can check this tomorrow evening. I chose HSBC as it lets me bank online, DD's and SO's can be set up there, as well as one-off payments, no charges for failed DD's and a £10 buffer zone, but no switch/solo card.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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This is all excellent advice.

 

I don't suppose anyone wants to collate this information about basic accounts (what they offer in terms of DD's, cards etc...) for the front web site do they.

 

I would do it myself, but I'm pretty snowed under with writing the 14-40 day date email reminder, the buddy system (works out how far you are from another signed up 'buddy'), the Bank Lurker program, sorting our the forum software, the 'best/worst bank' table/chart survey, amending the 8% spreadsheet to account for interest added to charges, another 'secret' (for the moment) project I'm working on, emailing our host (as people keep getting odd 'service unavailable' messages) and a full time job.

 

Phew - someone please collate the info!! (also a column about how much their charges are wouldn't go amiss either ;-) )

Don't forget the bank criteria chart link in the library - most of the info for different accounts is collated on one page - here is the link again for this thread as I think it's appropriate:

 

http://www.ivafreehelp.co.uk/bank_accounts.htm

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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If the bank have completed the paperwork for you then check it carefully. Make any amendments clearly in red and accompany it with a DPA request letter stapled to it. Refer to the letter in the form with a statement in red.

 

Better still don't send the form - just the DPA letter

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Oh, I thought that it was for a DPA request. My brain is generating automatic responses.

I must introduce some manual intervention.

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I thought you might have been. I see you in almost every thread. You guys are doing a great job. I use the word job, as you must be doing more work in these forums than you do in your real jobs (but that is another thread entirely)

regards,

 

InterSimi

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I have recently applied for a Natwest Step account and before I sent the paperwork back I rang and asked them what their criteria was when making decisions and the guy said "basically as long as you are not bankrupt then you will be ok" which is great news for me, will update as/when I get their decision though!

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