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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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      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.  

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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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Proposed Group Litigation Orders (Interested Parties)


Tom Brennan
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Hi AA

 

Have you started your hardship claim?

 

Do you need any help?

 

Tuttsi

 

 

Not yet, still waiting for my spreadsheet to be revised from basic charges & 8%, to full claim per http://www.consumeractiongroup.co.uk/forum/general/201984-why-let-your-bank.html

 

I have someone assisting me with it but he seems to be a busy man!

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Not yet, still waiting for my spreadsheet to be revised from basic charges & 8%, to full claim per http://www.consumeractiongroup.co.uk/forum/general/201984-why-let-your-bank.html

 

I have someone assisting me with it but he seems to be a busy man!

 

AA,

If you are seriously suffering hardship you need to make your claim quickly

What you can do in the meantime is just list your charges and dates and state on it + interest. Normally they do not pay the interest on hardship and they may only pay a percentage.

 

Then you need to get together all your evidences to confirm your hardship under the FSA waiver rules. I mean by evidences confirmation from your mortgage/landlord that you are in arrears, repossession or suspended repossession order, arrears on utilities and or any court claims.

 

You will also need to write a letter stating why you fall under the FSA waiver rules. ie Lost job, illness etc..... and enclose your evidential documentation.

 

Sen it all ASAP to your bank for concideration.

 

The FSA waiver is due to expire shortly, so I think if you are really in hardship the sooner you act the better.

 

I am away for a few days but will look in on my return to help you.

 

Tuttsi xx

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Thanks Tuttsi! I was advised to not panic as it'll be late autumn when things are decided, if then :-o We do qualify for ALL the FSA Hardship waivers. I was about to send it off when I got side-tracked with the Claiming Back (?) thread!

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Tom,

 

Am I too late to join in the fun?

 

Currently have £1000+ outstanding with HSBC (which I have lodged claims for).

 

I dont meet the first criteria but meet the second for legal aid (salary just over the limit).

 

Regards

 

Mailman

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does anyone of a case thats been successful in removing a default registered as a consequence of alleged debt made up entirely of bank charges? Could this be a subject for a GLO?

 

Would be interested to hear from anyone with the same problem.

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Thanks Tuttsi! I was advised to not panic as it'll be late autumn when things are decided, if then :-o We do qualify for ALL the FSA Hardship waivers. I was about to send it off when I got side-tracked with the Claiming Back (?) thread!

 

AA, please give me the link to your hardship claim thread so that I can give you the help that you need.

 

Tuttsi

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  • 1 month later...

recived the first part of my data request from my bank today and amongst the forest of paper is a print out of my hardship request back in 2007 giving my complaint ref and converming its a harship request but its states simply its been put on hold pending test case decision

the reason for the decision to be rejected is given as "huntswood-andovercsr-initial responce letter sent-gogw no -ld"

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recived the first part of my data request from my bank today and amongst the forest of paper is a print out of my hardship request back in 2007 giving my complaint ref and converming its a harship request but its states simply its been put on hold pending test case decision

the reason for the decision to be rejected is given as

 

"huntswood-andovercsr-initial responce letter sent-gogw no -ld"

 

 

 

You could write and ask them to explain exactly what they mean by that.:)

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recived the first part of my data request from my bank today and amongst the forest of paper is a print out of my hardship request back in 2007 giving my complaint ref and converming its a harship request but its states simply its been put on hold pending test case decision

the reason for the decision to be rejected is given as "huntswood-andovercsr-initial responce letter sent-gogw no -ld"

 

Lenny

 

When you wrote to them did you make them fully aware of your hardship by sending them evidences of your hardship underthe FSA waiver rules?

 

1. You need to send them actual proof of eveidences that you are suffering hardship Mortgage/Rent/utilities arrears.

 

2.Any other evidences to support your claim.

 

2. An income and expenses summary.

 

3. You also need to send a letter identifying why you are in hardship - what caused it ie loss of job, illness etc..

 

Do you have your own thread, if you do can you give us a link.

 

Also advise which bank, that would also be very helpfull.

 

We can try and help you more once you give us more info and possibly post up the letter you received, blanking out your personal details.

 

Thanks

Tuttsi

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  • 1 month later...

don't know if this thread is still relevant but i have now received my new data and my claim is now worth over £9,000 without interest as i am getting charges every month now because of charges on my account and am ready to do anything necessary to help other members of this site

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