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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.

      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Debt following death.


nuthatch
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JonCris...oh heck, that really never crossed my mind at all. I have read back through this thread and edited sections so I hope I can remain anonymous.

I will be more careful.

 

TheChancellor would you mind editing your posts referring to the amount I owe?

Thanks.

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Another letter from Cabot to say they are going to remind Goldfish to supply CCA again.

I think their computer must be programmed to send out these letters as it is exactly the same as the last one...even down to the number of days they state it is since I made the original request!

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well at least they are keeping u updated.

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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  • 3 weeks later...
I have had my DMP review with the CCCS and my monthly payment has been reduced by more than a quarter as I am off sick. This is towards a debt of just over £40000.

I asked the counsellor about making F &F offers with the lump sum I have and she said I could either pay off the smaller accounts or offer everyone a pro rata amount. They would probably get about 30%.

What worries me here, and it is better to say now,is an implication of money in a bank account. I hope it is independent of any creditors related banks. Some creditors are ruthlessly using "Set Off". They cleaned someones bank account of a months money leaving them £1.00 for the month. Hope any money paid into an account is independent.

If my post helped you feel better, click my scales.

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What worries me here, and it is better to say now,is an implication of money in a bank account. I hope it is independent of any creditors related banks. Some creditors are ruthlessly using "Set Off". They cleaned someones bank account of a months money leaving them £1.00 for the month. Hope any money paid into an account is independent.

 

Someone on here will have a list of which banks are "related".

 

I would stick your cash into premium bonds for a couple of months whilst you are negotiating.Theres a good chance you could win a bit more & it is away from harm.

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I have been away for a few days and have returned to a lot of mail which I will be asking help with tomorrow when I am not so tired.

In answer to overdone's post and TheChancellor's followup. The money I have is in local building society which is not connected to any other bank as I had got that info from CAG previously.

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JonCris...oh heck, that really never crossed my mind at all. I have read back through this thread and edited sections so I hope I can remain anonymous.

I will be more careful.

 

TheChancellor would you mind editing your posts referring to the amount I owe?

Thanks.

 

Sorry NH, I hadn't seen your request but had a PM to say it had been edited.

 

My "edit" button never works anyway for some reason.:???:

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I have been trying to use the Dummies Guide to try and post a link to a post in the thread "Chalkitup v HFC(Marbles)/Robinson Way" which shows a copy of an application form for a Marbles CC because I have received one which is virtually the same following my CCA request to Robinson Way.

I have also failed miserably trying to use Photobucket.

The very very poor copy of the Application Form does say that I applied for the card in 2002 but is almost illegible. I can make out headings "Use of your information" "Note for the Applicant" and "Marketing and Market Research" I have signed it and so has someone else in the "For Office Use" box.

There is nothing about interest rates etc.

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Should I start separate threads for my debts or is it OK to leave everything on this thread?

 

Also, should I carry on paying the money via my DMP with CCCS to the accounts where no CCA is forthcoming or zero the balances so no money goes to them?

I have now had a letter from Cap1 bank about my CC debt which says they are going to do something to me in 28 days but I have forwarded it to the CCCS for their comments.

 

I am so sorry about all these questions but it is very scary being on your own. I am not usually a wimp but I am finding these weeks following my husband's death very difficult.

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Should I start separate threads for my debts or is it OK to leave everything on this thread?

 

Also, should I carry on paying the money via my DMP with CCCS to the accounts where no CCA is forthcoming or zero the balances so no money goes to them?

I have now had a letter from Cap1 bank about my CC debt which says they are going to do something to me in 28 days but I have forwarded it to the CCCS for their comments.

 

I am so sorry about all these questions but it is very scary being on your own. I am not usually a wimp but I am finding these weeks following my husband's death very difficult.

 

Hi NH

 

You're not on your own - that's the beauty of CAG:grin:

 

Is this the link you wanted?

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/152785-chalkitup-hfc-marbles-robinson.html?highlight=chalkitup

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Nuthatch your not really on your own you have a lot of friends that dont care about the lots of questions even if you feel they are stupid. Trust me a year ago i think i was asking he same stupid questions as u.

 

Yes it might be easier for you to have seperat threads for each debt then we can help u a lot better as info wont get mixed up.

 

GM

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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Nuthatch

 

You are in good hands here. I see Joncris keeping an eye out for you as i type.

 

I lost my Auntie last week and i have to go through probate as well to sort out her affairs. The tax forms alone put you off.

 

Are there any charges on the Capital One account?

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Are there any charges on the Capital One account?

 

Sorry to hear of your loss.

There are charges on the Cap1 account which is actually my own debt. I will be pursuing this (and all the others) when I can get myself organised.

I really will try and get threads started for each of my debts so that I am not confusing everyone :( about which are my debts and which are my late husband's.

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Stupid letter from Egg.

I sent them a copy of my husband's will and had a letter back to say "we note your husband did not leave a will!!!!"

 

Can they actually read?

 

And the letter also had a note to say that Egg could confirm that proof of my husband's debt had already been sent.

Well actually, no it hasn't.

So I have written back pointing out their mistake.

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see ur getting good at this already. Did not need our help in what u need to do.

 

Give your self a pat on the back for that.

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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Stupid letter from Egg.

I sent them a copy of my husband's will and had a letter back to say "we note your husband did not leave a will!!!!"

 

Can they actually read?

 

And the letter also had a note to say that Egg could confirm that proof of my husband's debt had already been sent.

Well actually, no it hasn't.

So I have written back pointing out their mistake.

 

Hi NH

 

Why did you let them see the will?

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Sorry for delay TheChancellor my Mum has beeen poorly and has had to go into care.

I did ask further back on this thread about sending a copy of the will (I think) and was told it wouldn't do any harm.

Anyway, it's just one sheet naming me as Executor and leaving anything to me.

As it is, now I have all the bills in relating to the funeral (not including the headstone) there is about £1000 left to share amongst creditors owed nearly £30000.

Egg have been so stupid. I have written to them several times and they keep sending letters back that bear no relation to any comments I have made. They sent me a huge document to fill in detailing our assets :rolleyes: which I have ignored.

Do they really think I am in a fit state to deal with all this?

I have now sent copies of all my husband's creditors' letters together with a breakdown of costs to show how little is left after paying the bills.I have nothing to hide.

I have said I would like to be able to afford a headstone so don't ask for anything else.

 

I am still trying to pluck up the courage to act on the advice on the threads I have started about my own debts. I just don't seem to be able to find the courage.

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I am still trying to pluck up the courage to act on the advice on the threads I have started about my own debts. I just don't seem to be able to find the courage.

 

"Corporate Bodies have no soul" Because what you are being advised to do maybe goes against the core of your own nature and contrary to how you have been raised to think. Your head needs to go to another place to deal with Organisations. It is not as though you are dealing with friends and family.

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If my post helped you feel better, click my scales.

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Hi NH

 

Nice to see you back.:D

 

Go & sort a headstone if that will bring you comfort & there wont be much change from £1000.Then they can go & whistle Dixie if that is the last of your husband's assets?

 

Once that half of things is out of the way we will work a way through your list.Chin Up.

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Hi NH

 

Go & sort a headstone if that will bring you comfort & there wont be much change from £1000.Then they can go & whistle Dixie if that is the last of your husband's assets?

 

This made me smile.

You have a great way of putting things in perspective. Thanks.

 

I am up at an unearthly hour as just had a call from the home my Mum has moved into to say she has fallen and they are sending her to hospital.

I had only been asleep for a couple of hours and I think I am too tired to drive the 30 miles to be there with her so I'm waiting for news.

From the carer's description, I have a horrible feeling Mum has a fractured neck of femur.

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