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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lloyds TSB


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I sent Lloyds the standard letter which included my ingoings/outgoings stating I can only afford to pay them so much a month! I included a cheque for that amount which they cashed.

 

They sent me a letter this morning saying:

 

while we understand your situation we have decided that we cannot accept the proposed repayments.

 

This means that our action to recover the money owed will continue. We will send you standard reminder letters before passing the account on to our customer debt recovery team. They may give you another chance to submit repayment proposals.

 

I am sorry I could not give you better news.

 

Any advice on what to do next?

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Hi Shaw,

 

I had a bit of a struggle with this lot. I sent off about three letters with my I&E and they totally ignored me except for the threatening letters. I didn't even get a 'we understand your situation' letter! So I just kept making the payments I said I would, then I got a vicious letter from their solicitors, ignored it. I kept on paying, they kept on phoning, until eventually it got passed to their in-house collectors BLS who finally accepted. The whole proccess took just under a year.

 

Interest has all been stopped and I am now paying 20% of the original contracted payment.

 

So, the only advice I can give is to just keep plugging away at them. If they will accept my offer then there is hope for everyone.

 

Good luck with them.

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Lloyds were like this with me - arrogant and so are their solicitors - I am still at the written ping pong with their solicitors. I told them I would start charging for any further responses I had to write to the computor generated letters so it might go to BLS soon

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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Thanks for your quick replies, would it be best if I set up a standing order and did you write them a letter asking them to stop the interest or did they do that for you?

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I actually don't know if they have stopped it on my CC. My current account they stopped adding charges but it still gets interest

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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It doesn`t matter if you know you owe them money.

 

How old is this card? It may turn out they don`t have an enforceable agreement or any agreement at all. You won`t know until you send your CCA request. It will only cost you £1.

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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How old is this account shaw?

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Do you know the CCA procedure?

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Yep deffo try the CCA, if this doesn't exist (as mine doesn't) then you are in total control of how to deal with this as it is unenforcable so any threats of court action will be empty as you will have a complete defence. As NP says for £1 it is worth a shot, you may find they are more receptive of your proposals after this lands on their door mat.

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of course they will, they thrive on the fact that alot of people fear large organisations and believe everything they say and won't dare challenge them. So, you need to do a bit of work if you are going to stand up to them and succeed, at the end of the day, although they might tell you otherwise the law applies equally to them as well as you.

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Hi Shaw

 

Its the same with me, my debt was passed to BLS Collections and suddenly its with Allied International and they are awful!!!

I sent them a cheque and financial statement, they cashed my cheque and are now saying that Lloyds TSB are refusing to accept my offer!!! even though they cashed my cheque!!!

I've sent my CCA so am awaiting that now...

Good Luck x

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