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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.
    • 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
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CCA from MBNA is it valid? Please help.


bladeboy
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Received, via Cabot, a 'copy' of my CCA.

 

On the page where the signatures are I notice that I have signed in two boxes, they [creditor] don't appear to have signed anywhere at all.

 

There is also a bar-code type stamp and under it, on all the pages, is the text 'APPLICATION FORM'. Not sure if that's significant.

 

The purported terms and conditions appear to be on seperate pieces of paper and are also attached via photobucket.

 

They also sent a load of statement type documents through that seem to be just that - statements but the list is not complete.

 

Any ideas anyone?

 

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Sorry, can you explain re the above? Are you say that they have posted/sent me current T&C's? The section with signatures on does look to be somewhat separate from the rest of the document - or am I being overly optimistic?

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I cant say for sure, but yes it looks like those T&C may not be from the agreement they say you signed, or are a newer version, I cant read the signed page to see if they are tied in any way.

 

The signed document on its own is not enforceable, as it appears the prescribed terms where elswhere, the question is where? if they where on the reverse that could be enough to make it enforceable, but of course MBNA would have to prove they where part of the signed document

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Other points.

 

Where is their signature?

 

All that they have sent me would not fit on 1 sheet of paper.

 

Since when has a credit limit been placed on an application form? Surely, thet determine that when and if your application is successful?

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I have a similar agreement and those are the present terms and conditions. The prescribed terms need to be within the four corners of the agreement anyway and not referred as separate terms and conditions. The very good news is that the default notice they issued is also defective. They have not allowed 14 clear days for you to remedy after service (2nd working day after the date of the letter) But you should not mention it to them and wait to see if they take you to court based on that notice. It would characterize the termination of the agreement and they would not be able to issue another DN and would be in a legal limbo. A defective DN is fatal and no prescribed terms within the signed part of the agreement prevents them to legally enforce this debt in court

 

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/145452-stayingcalm-abbey-no-cca.html

 

Have a look at link above. It will make you aware of what to expect from MBNA &Cia also has very good explanations about defective DNs. My guess is that next thing you will get is a letter from Restons solicitors.

Edited by tiokim
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Agreements that are not signed by the creditor but only the debtor are enforceable by way of a court order only. However in order for a court order to be granted the agreement would need to contain all the prescribed terms. These prescribed terms need to be within the four corners of the agreement and not in another document entitled terms and conditions.

 

It would be difficult for them to demonstrate that the terms and conditions they have supplied are within the four corners of the agreement, particularly as they appear after the signature box.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I have a similar agreement and those are the present terms and conditions. The prescribed terms need to be within the four corners of the agreement anyway and not referred as separate terms and conditions. The very good news is that the default notice they issued is also defective. They have not allowed 14 clear days for you to remedy after service (2nd working day after the date of the letter) But you should not mention it to them and wait to see if they take you to court based on that notice. It would characterize the termination of the agreement and they would not be able to issue another DN and would be in a legal limbo. A defective DN is fatal and no prescribed terms within the signed part of the agreement prevents them to legally enforce this debt in court

 

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/145452-stayingcalm-abbey-no-cca.html

 

Have a look at link above. It will make you aware of what to expect from MBNA &Cia also has very good explanations about defective DNs. My guess is that next thing you will get is a letter from Restons solicitors.

 

Thanks for confiming what i thought tiokim

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You could send this one recorded -

 

I am pleased to see that you confirm this as a true copy of the original agreement executed by yourselves on the XXXXX.

 

As you must realise this agreement does not conform to sections 60(1) and 61(1) of the Consumer credit Act and is therefore unenforceable under section 127(3) of the same act.

 

 

You had until (date here) to provide me with the true copy I requested. After that date you entered into default of my request and I am therefore advising that the matter is now in dispute . Whilst the matter is in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you. Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, make any further charges to the account or pass the account to anybody else.

Please note you may also consider this letter a statutory notice under Section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies including any defaults. Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’, you must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you fail to respond within 21 days, I will expect that this means you agree to remove all such data.

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You guys are all stars, thanks.

 

Sent the docs to a friend of mine who's training in a solicitors office as a debt specialist.

 

He also agrees that what they've sent is no more than an applocation form.

 

Will keep you updated.

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hello bladeboy

 

very interesting cca, i got the same as you well it looks like that tiny bit of paper and small writing and i disputed with mbna and now sent me a final letter and referred me to fos, so i am,

 

am subscribing to your thread and if you want to see mine check out the mbna journey headed

 

take care

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Blimey Von Greenbach

 

that is small to read, ive sent you my letter that i sent off to one of my creditors when i couldnt read what i was sent , i dont know if this will help you - sent it via private message

 

my humble opinion is that the regs do state it should be readable and legible and i also got that from trading standards when i visited them so its worth something to dispute,

 

let me know your thoughts and sorry bladeboy for inputting this on your thread,

 

off to bed now good night to all

 

laters angel x:)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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