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    • Thank you JK2054 and BankFodder for your replies. The information requested is as follows:   My wife and I are sole traders supplying bespoke, handmade wedding trays and other items through our website. We do not sell on ebay. We had an order for two trays (invoice value £370) that were shipped on Monday 25th March. We used P2G as the broker and Evri as the shipper. We declared the value but did not take out insurance. As the trays were a present for a wedding on Saturday 30th March we checked the progress of delivery on the Thursday to see that there had been an attempt to deliver on the 27th but the driver failed to deliver as the customer’s gate was shut (customer informs us that the gates are open between 7am-7pm. We contacted the customer who informed us she had been waiting in all week and there had been no attempt of a delivery. Evri allege they attempted to deliver on the 28th & 29th. On the P2G web site on the 4th April at 14.17 it stated that the customer refused delivery. At 14.28 it updated to say there was a problem with the address and at 14.32 updated to say the customer had refused delivery. At 14.35 updated again to say it was being returned. Last entry was on the 7th April that it was being processed at the depot. We never received it. I have had six web chats with P2G between the 4th-30th April. On the 26th April, I had an offer of £20 plus cost of delivery (£6.72) from P2G which I rejected. During this time, I also contacted Evri that resulted in an email from Evri Customer Services (20th April) stating that they had lost the parcel. I replied requesting details of the attempted delivery but received no reply. After emailing Evri again on the 23rd asking again for the information I received a phone call from someone called Haleemah on the 25th who apologised and promised to send an email with a link to submit a claim form. I subsequently received an email with the link which only took me to a page that stated “Page not found”. After informing Evri customer services of the problem (to which no reply was forthcoming) a couple of days later I retried the link but it only took me to the Evri website. I believe that I have a good case against both companies but would appreciate guidance on which path to go down. I have read most of the information on this site, which has been very helpful and much appreciated, particularly the various court transcripts. I appreciate that this process is a marathon and not a sprint and am fully aware that I need to get everything in the correct order before starting on the legal road. I am sure this covers the current position but if further info is needed please let me know.  
    • Everything at small claims revolves around informality and common sense, there are no "special" ways to have to do things. The site manager's WS will be like yours and the one I linked to - just much shorter.  There need to be the introductory hearings about the case, the parties, etc., and the concluding Statement of Truth. In the middle just a couple of paragraphs where they say who they are, how they know you, and about permission being given by the landowner to use the car park. Superb.  I've added another section about the signage to the suggested WS sections three posts above. Yes, it's perfectly possible.  It'd be a good idea to phone the court on the 18th to see if they have paid.
    • OK thank you very much. I will prepare my WS as you advise.  I will indeed be preparing the WS over the weekend. I will also post UKPC's on Wednesday by 2nd class mail. As they have until the 17th to pay the court fee, is it possible they might discontinue at that stage too? Also I wanted to ask, in what form should the site manager's statement come? And the site owner if i can contact them? I will get photos of the signage to share with you also. Thank you.
    • Theres speculation on whether the magazine was Womens Weekly or Boys own 😀   ... probably a classic first edition of boys own - based on it costing $130k :lol  
    • You have five days yet to respect the WS deadline which is next Wednesday.  As others have said,  you can e-mail the court their copy.  That gives you the whole weekend to get the WS prepared.  Personally I'd post UKPC's theirs by 2nd class post (all they are worth) on Wednesday too, the court won't look badly on a short delay from a Litigant-in-Person. Another point.  In your WS you say their signs are rubbish.  That's a great point if their signs really are rubbish.  It's a dreadful point if their signs are fine.  So have you got photos of their signs?
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Capstone/SPML


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Hi

 

I had a letter yesterday saying that I was in arrears by xxx.xx. I phoned them as I know all my payments are up to date and they said no I owed.

 

I asked when this was from and was told that it may of been Oct, Nov or Dec last year. I said that if they were claiming that I hadn't paid then surely they should know exactly when.

 

I was then put on hold, when the bloke came back he said it was from Sept last year and dd had been returned unpaid.

 

I was then told I needed to fax through proof that I had paid quickly or pay up,I said I would not pay anything until I have checked all my records.

 

I am really worried now as this was the time A&L closed my account without notice and cancelled all my dd's.

 

Surely this is Capstones error and they cannot do this over a yerar on? I have checked through my mort statements and there have been over £500 of charges,can I use this at all?

 

Aren't mort accounts audited once a year which would mean that this should of been picked up earlier?

 

Thanks

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Hi, I'm amazed that it's taken Capstone a 12 months to find this out - they're not usually so lax - one missed payment and you get a letter within days!.

 

Do you have a statement from Capstone going back to September last year, if not you need to get one from them as equally they need to prove you owe the installment.

 

Kind Regards

 

Ell-enn

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hi

 

I have all my statements from them. It shows as being paid. I can't show payment via the bank though.

 

In aug 07 there were arrears of £190 and in sept 07 it shows a payment of £240 and then the monthly payment as being paid.

 

Do I need to ask them to send proof that the monthly installment was returned?

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I should definately be asking them to prove that it was returned, write to them by recorded delivery enclosing a copy of the statement you have showing it as paid.

 

If you need help with a letter, let me know.

 

Ell-enn

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  • 2 weeks later...

Hi again

 

I wrote to them asking for proof of this payment being returned.

 

Today I have got a letter staing that I have arrears of £700 now as there was also a retuned dd in Dec 2006!

 

They give me 10 working days to bring my account up to date or this may lead to re-possession and will show on my credit file!

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Cheeky sods! Did they actually send you proof of returned DD's ?

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They are being totally unreasonable - do they honestly expect us to believe that they didn't know a payment was missed in 2006 ! If they were to take this to court (and they'd have to have the paperwork to prove it first) I don't think it would get them very far.

 

Anyway, according to new government guidelines, lenders have to consult and help customers who are in arrears and they would have to prove to the court that they have done everything possible to ease the situation.

 

So... if they can actually prove these payments are missing - offer them £5.00 a month !

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In your letter you should remind them of the new government guidelines regarding mortgage arrears pre-action protocols !

 

Ell

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Brilliant !!! go get em .....

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  • 2 weeks later...

Hi

 

I sent a prove it letter by recorded delivery. Got a phone call to say they had received and somebody would be sending the proof asked for but it would take time.

The next day I get another letter and a phone call asking for payment!

Have sent another letter giving dates of all payments made and told them that if they continue to contact me in the way they have been I will report them for harassment.

 

Now unless they can provide proof that is different to mine that should be the end of it but as this is Capstone I'm not holding my breath!

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Hi

 

Have just had another phone call to say I am now £1200 in arrears!!!!!!!!!!!!!

Not being in the best of moods I was not very nice to te girl and told her that is completly wrong. She says that aside from oter arrears this months payment has not been paid!

I told her that I have an agreement to pay by the 10th and payment went yesterday!

She says that I need to sort the rest out.

Told her I have sent aletter with dates of payments etc and they should check it out before continuing to harass me.

She says the bank system has shown none payments for several people and they are correct and I owe them!

I then got made and said no I bloody don't so she says ok well how about we cancel the agreement to pay by the 10th then!

I then ask for her name she says no I say I want your name she finally gives it and still insists I owe them because when I paid by cash over the counter the bank have taken it back!!!!!!

I tell her I didn't pay either of those payments by cash and they need to read the letter and check their facts before continuing to harass me or I will report them.

She then says bye and hangs up!

 

Sorry for the rant but this is really getting to me now.

 

Who do I go to now?

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Hi there Midge, no wonder you're having a rant :mad: However, I think you should wait and see what reply you get (in writing) to your letter. You have proof that the payments were made so if they are stupid enough to go to court then the judge would see that you are right.

 

Don't talk to them on the phone - they'll only wind you up, just tell them you are waiting for a written answer to your letter.

 

Ell

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Hi Ell-en

 

It is just so maddening especially as they don't seem to know the exact problem, like telling me it was cash payments that got returned.

 

I think I will send them a S.A.R - (Subject Access Request) as they are not dealing with providing me with any proof as requested.

 

They have said it has happened to several customers so it would be interesting to see if any more come along here or whether they just assume that Capstone are right and therefore pay up regardless.

 

Also if there was a problem with their bank account details surely they would have had to write to everybody and if the bank that received payments over the counter would have to do something about returning the money?

 

All my payments were either DD or cheque.

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Hi, if you've got bank statements to prove your payments I don't see how they can argue.

 

Ell

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hi

 

Yesterday I received a letter from SPML re my complaint.

 

They say they are committed to excellent customer care and are sorry that I feel I have been unfairly treated lol

 

They have included a statement of the mortgage and a statement of arrears.

 

I have spent the last 2 days going over it but it is so confusing. Anyway they have asked for my bank statement for the 2 months that they dispute so will copoy them minus most details.

 

I have also worked out on the statement of arrears that it appears that their bank actually failed to call for the DD's on several occasions but they have charged me £25 each one as a failed DD. My bank statements can prove that they were not called and I intend to query this and ask for a refund.

 

There are also lots of odd pennies and amounts here and there, its a complete mess!

 

Am planning to do a letter tonight if I can work it out!

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  • 2 weeks later...

Hi

 

Sent my copies of bank statements etc back to them and stated that they had been charging me unpaid dd fees when in fact they had not called the dd's.

 

Have not had any reply to this so far.

 

Today I got a mortgage statement.

 

They have added 2 payments of £350.24 to the mortgage balance and the balance as of 23/11/08 shows a credit of 25p.

 

Over the page on" Summary of your total borrowing" it states arrears of £750.44 and also includes a £50 arrears management fee!

 

Also the difference between Amount charged and Amount paid is £75.92.

 

The outstanding amount of the mortgage includes the 2 failed dd's that have been added.

 

Can anybody work this out?

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Well I have sent another letter of complaint as they have not replied to my one where I sent proof of payments and pointed out that they have charged me for failed dd's despite their bank not actually calling them.

 

While this goes on though it appears they have added the 2 months arrears they claim are outstanding and are charging me an arrears management fee!

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Hi Midge61

 

What they will do now is take the payments you are actually making against the said arrears that they state you owe.

They are crafty & devious, I am having simular problems & am appearing in court on the 4th.

Keep an eye on your mortgage statements or ask them for a full breakdown of all the charges.

Good luck

Debbie

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Hi

 

I don't mind if they do really because I have proof that I do not owe and they now have another complaint letter.

 

Every thing is documented. including their horrible staff that phone and I will be happy to send copies of all of it to every authority I can think of.

 

This bunch of wassocks really get my goat.

 

Sorry I've had a bad day:(

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