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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.
    • Regular savings accounts are accounts designed for savers who put money aside every month and reward them with a generous interest rate.View the full article
    • 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.
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    • 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.

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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.
      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
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Tilly V mortgage express repo


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Sorry I've not been on CAG for a while, but I'm in the middle of an online comp course, & not getting much time to myself.

I've been having a catch-up though, & I'm so very sorry to read that you've no job now, so I think you should just look on it as a long holiday, & you should be able to use it to your advantage, as now you'll have more time to see all these people you need to see, mind you I think you should get plenty of pens to make sure you don't run out of ink, what with all them massive forms you'll have to fill in, but if you get stuck, there'll always be someone to help you out. Most important thing of all is that you make sure you just chill out & relax, & it'll all eventually fit into place. In time you'll be able to advise others, because you went through it once in more ways than many.

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Hiya Jade

 

Thought you had not been around for a bit, i hope the course is going well, maybe thats what i should do :eek: naaaa had enough of them for a bit, you go for it girl :).

Thanks for your support jade, me thinks i got shares with bic lol you take care and

dont stay away too long :)

 

 

 

 

Tills xx

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Awwwww thanks Tills, I'm gonna try & call in from time to time, just to keep up - I hate these long catch-ups, lol. I'm about halfway through my course, trouble is it's getting harder as I go along, I'm trying to create a website right now, but I can't wait until I start digital animations, I'll have to try & use some on here laugh_13.gif

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If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Well still nothing turned up, when you don't want something turning up it does, and when you do it doesn't, never thought i would see the day when i was looking forward to a baliff turning up :eek::D

 

 

 

 

 

 

Tilly

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As they say tills.

 

No news is good news.

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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Serious head now, he did actually say he would do the date for the 1st september so if it comes through end of this week that would be about right 2 weeks, well im ready for it now, packing more or less done , all boxed up ready for the off.

 

 

 

 

 

 

Tills

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Here we go, i received a redemption statement this morning,

The amount required to repay this account on 31st August 2008 is xxxxx :rolleyes: If redemption occurs before this date the appropriate daily rate can be deducted.NOTE:

A fee is charged on the third and any subsequent requests made for a redemption statement.helloooo i never asked for this one :p

 

Starting balance xxxxxx

Arrears charges £120.00 i know its more than that :eek:

Solicitors costs £1122.82 :eek:

Redemption Fee £115.00

Early Redemption charge £8817.20 :eek:

Interest £6012.45

 

NOTE:

Daily rate £39.86

then the normal blah blah

Followed by

RE: YOUR REDEMPTION STATEMENT AND MORTGAGE EXIT ADMINISTRATION FEES

you may have seen recent press comment on Mortgage Administration Exit Fees following a statement of practise issue by the FSA/OFT in January 2007.the regulator requires all financial institutions, which currently charge an administration fee on termination of a mortgage to take certain steps in accordance with the statement.We have decided that from the 1st of march 2007 we will charge you the same amount to cover our admin costs at the end of your mortgage as we notified you when you first took out your mortgage.This has been reflected in the enclosed statement,This way you are not prejudiced by any subsequent increase in these charges that you could have anticipated at the time you took out the mortgage.

 

Now isn't that kind of them, well i know whats coming next,so nearly at the end. if im honest the worst 3.1/2 months of my life, so Mr.B.A.Liff make it sooner rather than later Ta muchers :)

 

 

Tilly xx

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I'll be having a few goes on the lottery between now and the 31st, Tills, so sit tight, you never know :p

 

If i win, first in the payment queue would be HFC and then ME as they are both unreasonable, money grabbing *FILL IN THE EXPLETIVES*......

 

..I shall stop, as i have one on me today :confused:

 

My friend once said that if you have difficult time in this life, it means you are earning yourself one helluva party in the next one ;):D

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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A CAG RAVE :eek::D

 

From some of the posts i've read i'd say a few of you have been practising for this already! :D I expect your 'eviction bash' AKA 'fresh start party' will need a whole new classification as the term 'rave' may be a bit too mild :p

 

(i'm only jealous that i won't be partaking! :lol: )

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hopeful you are soooooooooooo welcome to come its a free party :eek::D:p

 

seriously all are welcome :)

 

Tilly xx

 

Oops, i wasn't hinting for an invite :oops: but thank you anyway. I shall be there in spirit (usually in the form of bacardi) :p;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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so does this mean your getting a visit today or what happens now and they got a cheek adding fees for early redemption when there taking it gits :(chin up tills dont wanna hit that pole when u limbo beneath it :Dsorry had to do that serious head now not long now then u can move forwards xxkia

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Oh rite sorry did not know.

 

well u will be able to claim jsa or if u want to de stress for a while get a doctors note and u can claim income support for yourself.

 

 

Have now got benefits sorted, that was marathon an hour on the phone :eek:

im entitled to claim incap/income support, tax credits sorted, council tax sorted

just leaves housing :rolleyes: one down gawd knows how many to go on my to do list :D

 

 

 

Tilly

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See- you're over half way there!

 

I'd say you're in the home strait now, but under the circumstances...

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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pmsl scott glad u got benefits sorted tills i did it on phone too take ages but its quicker than filling out muliple forms all u do is sign them when they come just done mines few months back so much simpler than it used to be cos u fill it out once he does multiple forms saves alot of bother xxkia

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As long as they're more efficent than the usual DWP procedures! (And yes I used to work for them, in another life;)).

 

Hope everything is going ok Tills.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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