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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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AIC Phone Hustle


Macaca
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Had a 'nice' surprising phone call at WORK! from AIC today.

(Unfortunately my name is on the company website so I guess they got it from there.)

I thought CapQuest had bought all my NatWest stuff but obviously not or they sold it as I challenge them to much.

 

The first conversation went like that:

This guy said he is calling about my old Natwest CCard. I ask for the name and company he said his name and company. I replied that I don't know what he was talking about and that all financial matters have to be in writing as I do not discuss them via phone.

He than said that a letter is on the way but it needs to be sorted now on the phone. I than again repeated that I do not discuss financial matters on the phone only in writing. He than said again that he has to speak to me on the phone and I should give him my private number so he can call later. I than repeated it again and said in the end good bye and hang up.

 

He than called back 30 minutes later. Same story he needs to speak to me on the phone or I will be made bankrupt. I did not gave in and just said very politely and slowly. I am sorry sir I do discuss these matters on the phone good bye.

 

He than called again straight after saying he will not stop calling till I talk to him. I again said my sentence and also pointed out that if he keeps calling I will pass this on to the authorities and also will start legal procedures of harassment. He than got all cute and said: "So who are you speaking to than?" Which I replied with his name and company and I hang up.

 

He than called again 1 hour later, which I did not answer just left him in line waiting. Same again another hour later.

 

Now I do not have a direct work number so whoever answers the phone will pass it to me if I am there.

 

It seems to me that he is desperately trying to get my contact information.

Can they send letters in my name to my workplace? I have no phone in my name and I am not on the electoral register as I am not EU or Commonwealth so he cannot get my contact via legal way.

 

For the history of the CCard it is not time barred and obviously as soon as they write to me they will get a CCA request. Now if they send a letter to my work and I reply what should I do in terms of address?? Otherwise I will have to give away my address which might be not a good idea as they obviously do not have it.

 

They seem to be very rude and pushy ones at AIC.

Well I am off for a week so they wont reach me at work.

I maybe pass on the message that I am not there if they should call again when I am working.

Or I will give the phone to our Polish cleaner who understands next to no English especially their Scottish accent.

Edited by Macaca
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Slight correction : get your boss to send them the harassment letter. After all it's the company phone they are using and your company time they are wasting.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Company Letter seems to be good as I do not want to send a letter to them before they send one.

 

I do not want to give my address away yet. I do not think they have any contact details apart from my work.

At work they cannot give away private numbers or addresses!

 

What happens if they send a letter to my work?

 

Can they personal call at work too?

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Very interesting I just had a phone call from a colleague saying I had a phone call at work again. Apparently my uncle called about an urgent family matter wanting my private number and address!!!! Firstly none of my uncles speaks English, all of them have my contact details but not my work details!!! Well he left a fake phone number!!! I guess it was AIC!!! What sleazy cu#!s

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  • 3 weeks later...

Well today a letter arrived at WORK! Private & Confidential in my Name. Address is one in Reading. I have not opened it yet as I can see through the envelope its AIC. So question should I just send the letter back with 'Addressee unknown'. If not, obviosly I would have to go through CCA req. etc. But they do not have my private address so if I answer them they would get my address, which is what they are trying since Xmas. BTW My name has now been removed from the company website.

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Edited by hillards
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Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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No offence hillards and I am sorry if I somehow went against some protocol but I asked only a question.

 

Anyhow I have seen in threads here being recommented to ignore letters and not to contact certain DCA's or even once to move address. A lot of people here on the forum getting contacted after years because they moved address and their OC and later the DCA have not their new addresses, how else could there be all those old debts.

Also a lot of the recommendations even if following the protocol is and will be seen as evasion.

Firstly obviously ACI does not have their stuff together and they have no private address from me. They have my name and work address from phishing in the internet where they properly just googled my name.

 

Now all I wanted to know is some clarification on if they can contact me at work and send letters to my work.

Also my questions where what I should do with that letter. Ignore it or I could put the letter unopened into another envelope and write to contact me via my private address without giving them my address though. Or should I reply with the CCA and send them the letter but also without my address.

 

I just don't see why I should give what they want, my private contact details. I could send them also the original CCA or a blank signature to make it easy for them. It is not my problem that they have no contact details and just went phishing and found my name on my company website. I also never confirmed my name on their phone attempts at work.

 

So I hope there will be some answers not just pointing fingers at the bad boy.

 

Thanks anyway and so far I had some good help from here.

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Edited by hillards
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Hi Macaca

 

I was in exactly the same situation a year ago.

They also must have gone phishing through the www and found my name on the company website.

 

All I can say is send the letter back and do NOT under NO circumstances give them your private details!!!!

 

If they have no private address its their problem and they will have difficulties in enforcing anything from you. All they are trying is to scare you into paying them.

 

Also good thing is that they cannot just send a "field agent" to you as you are at work! So obviously you are working so you cannot talk to them and also they cannot embarrass you in front of your colleagues or boss about the debt! And they cannot send bailiffs to you even if they have the right papers and a court order without your private address.

Also your company cannot give away your details.

 

So no chance for them at all till they have your private details.

 

Ignore everything from them contacted at work and try to record all the telephone attempts from them.

 

Also always ask for their name (get it spelled for you) the company name (get it spelled as well) their telephone number and his position within that company. Never confirm your own name or acknowledge any debt and just say everything has to be in writing and to your private address. Also say that the phone calls have to stop (I will find the right legislation about harassment and contacting at work you should refer to). If he says and he will, he wont stop just remind him that you are recording this call and that you will go to the police and OFT with the tapes if not.

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It is for AIC to get their facts right first before they start pursuing someone for a debt and in this case they don't have an address and probably don't have a credit agreement either. It is a breach of OFT guidelines to pursue someone for a debt at work and I would be reporting it to OFT with a copy to AIC. I see debt evasion as not paying an original creditor for a legitimate debt. I have no problems not paying a DCA which has no properly executed agreement and whose soul intent is to capitalise on a debt which has already been written off by the original creditor. That is exploitation, hence the consumer credit laws to protect the public.

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It is for AIC to get their facts right first before they start pursuing someone for a debt and in this case they don't have an address and probably don't have a credit agreement either. It is a breach of OFT guidelines to pursue someone for a debt at work and I would be reporting it to OFT with a copy to AIC. I see debt evasion as not paying an original creditor for a legitimate debt. I have no problems not paying a DCA which has no properly executed agreement and whose soul intent is to capitalise on a debt which has already been written off by the original creditor. That is exploitation, hence the consumer credit laws to protect the public.

 

I would have suggested reporting them too but then they get Macaca's address so until they have its best just to ignore and record the phone calls for future use.

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Letter went back.

 

I also bought a recording devise for my little voice recorder.

Had than on Friday the chance of using it.

 

Again called at work. Usually would not talk to them but thought would be fun as I am recording it now.

 

Me: Hello.

AIC: Is this Mrs XXX

Me: Who is this?

AIC: My Name is ZZZ calling from AIC.

Me: What is AIC?

AIC: Allied International Credit

Me: And you are.

AIC: I am Mr. ZZZ.

Me: Could you spell that please.

AIC: Z-Z-Z

Me: And whats your position with that company?

(A little pause as he had to think what he is I guess)

AIC: I am a Debt Collection Agent and I am calling about your debt.

Me: Sorry I don't know what you talking about and I would like to advise you not to call me at work. All communications have to be in writing and to my private address.

AIC: Can you please confirm your name, address and birthday.

Me: No I cannot give such information on the phone.

AIC: If you don't give your address I will not stop calling you.

Me: Than I will report you for harassment. I ask you before to stop calling at work. And this is clear now harassment.

AIC: Give me your address and telephone number and I will stop calling at work.

Me: I have not asked you to contact me at work and you should have my details if you think I have a debt with your company. I ask again do not call me at work again or I will report you for harassment.

AIC: Harassment you don't even know who I am.

Me: You told me your name before and I am recording this phone call.

AIC hang up!!

 

Was quite fun I have to say.

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It really is fun once you know your rights and start to play them at their own games. I understand your reason for not wanting to give personal information to them. (In my case with AIC I'd already given my home address to a previous DCA and set up an arrangement so I didn't feel that it was up to me to provide information they should have already had.)

 

Good luck!

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  • 2 weeks later...

AIC are back calling at work.

Now the call was put through not to my personal extension - just to the department.

 

I pick up the phone.

 

Me: Company ZZ Department Z How can I help.

AIC: Miss Z

Me: Sorry Who am I speaking to?

AIC: Mr X from AIC.

Me: Could you spell your name for me please.

(Now that guy sounded exactly the same like last time. I mean I am not an expert but listening to both calls again and again it can only be the same guy. Funny enough after a while he spells his name - a different one to last time!!!

AIC: X-X-X

Me: What is AIC?

AIC: Allied Inter.....

Me: And your position within that company?

AIC: I am a Debt Collecting Agent. Could you answer me some security questions please.

Me: What is that?

AIC: Your Name, first line of address, DOB

Me: I cannot answer such question nor can I verify any personal details on the phone. I would also remind you that all communication have to be in writing I also asked you before to stop calling me at work. I did not give you any permission neither did I requested from you to call or contact me at work.

AIC. This has been going on for far too long and you need to resolve this matter. You have received the letter I send.

Me: Sorry I have not received anything I do not know your company and until you called me at work on the 23rd of December I never heard of your company. Nor did I have any agreement or dealings with AIC.

AIC: It is about your CC from XYZ Bank over 2670.

Me: As you have not understood before:

I would again remind you to stop calling me at work. I did not give you any permission neither did I requested from you to call or contact me at work.

OFT Guidelines state clearly under

2.2 Examples of unfair practices:

g. ignoring or disregarding debtors' legitimate wishes in respect of when and where to contact them

AIC: (very angry in an aggressive matter) Give me your address or I tell your colleagues

Me: I would also remind you that all telephone calls are recorded (Message in the beginning as its a company number).

AIC: Hang up - again!!!

 

 

Now not only that I have the phone call recorded. At no point of the conversation did I confirm my name. Now this guy not only revealed details of the alleged debt to who could have been anyone at my work place he also threatened me to tell my colleagues!

 

I am so loving this. What a leverage if this should go to court at some point!!! If they should get my private address somehow I will go the CCA route and at the same time they, the OFT and FO complaint with a transcript of these calls.

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