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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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    • 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.
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      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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Me & my Debts - Haydon DMP since 2001- they charge a £20PCM fee from my <£40 payment - CCA time? In Scotland too!


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  • 1 month later...

Received a letter from Link recently as follows

Your debt was sold to Link Financial Limited effective from 2001 Although Link Financial is entitled to immediate repayment of £1,6**.**, We write now to give you the opportunity to clear this debt by monthly instalments of £8*.** per month by way of a direct debit mandate.

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True enough Batman, but really does today's letter alter anything much? They havent sent a new document or anything. Perhaps the key thing here is that you havent paid anything toward this account since December 2007, which means that in about eight months this account will be statute barred (note to English colleagues, Blueda is in Scotland where statute barred is five not six years) and so after that they will get the square root of hee haw.

I would either ignore it, or send them another copy of your last rebuttal of their claim.

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  • 3 months later...

I received a letter from Cabot today as follows

Repaying your account

Weve tried to contact you on several occasions and its now vital that you contact Cabot urgently to discuss your account. You currently owe £2442.**

IF WE DO NOT HEAR FROM YOU

If you dont contact us we will have to move your account to the next stage of our collection process.

Contacting Cabot

The most important thing for you to do now is to get in touch with us urgently to prevent further action being taken. Call 0845 0700 116 and one of our helpful customer advisors will discuss the options for repaying your account.

Our aim is to help customers get their accounts cleared - so do contact us immediately

yours sincerely Customer Liaison Manager.

Should i send them an account in dispute letter reminder, all advice welcome folks.

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Yes i would send it as a reminder to keep you paperwork in check

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My OH's got a similar situation with Cabot. OH sent a letter saying this was a Final Response. Until such time as a valid copy of agreement was supplied no further correspondence would be be made by OH. Any further generic letters received would be filed but not responded to. That was a few years ago, and OH hasn't responded since.

 

During the past few years they've had periods of silence, then restarted the persistant calls, and more generic letters . Passed it to a new associate company, who also sent letters, and phoned a few times. More silence , then must have been returned to Cabot, who've just restarted calling again.

 

Fortunately a Truecall machine blocks all their numerous autodial numbers.

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  • 3 weeks later...
  • 1 month later...

I received a response from Cabot this morning as follows

I understand you have made a request for a copy of your credit agreement with Barclaycard ( formerly Goldfish Bank Limited) the original lender pusuant to section 77/78 of the consumer credit Act 1974 and you are still waiting for the same.

Cabot credit management ( formerly the Cabot financial group) ( Cabot) purchased your debt from Barclaycard on ** ****** 2008.

We have requested the relevent information from Barclaycard, however we have been informed that they are unable to provide the required information.

Therefore, i can confirm that Cabot have taken the decision to no longer pursue collection of this account. Please note that this decision is not to be confused or or interpreted as a write off of the outstanding balance on your account as the debt legally remains.

I did have a Barclaycard debt years ago which i made regular payments to direct through a debt management company, Barclaycard never sold the debt and through debt management i paid an agreed sum as full and final payment on 2008, for which i have the letter of confirmation from Barclaycard and i never had a Goldfish account.:!:

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I believe you know have traced the account. :-)

 

How long has it been since you made a payment to this account now Blue?

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Ok well the ball is now in your court :-) Keep that letter locked away.

 

Now you know they don't have a cca, in some way yes they are correct that the debt still exists but they are tied as into what they can do to enforce it.

 

I am sure you have read threads like Monty's and RFCfan over the last year or two or maybe more :oops: where they were taken to court and won as no agreement as up here they have to aver to the agreement when issuing court action but it is not 100% straight forward as it is a judge lottery.

 

If you were in a position too, this could get you a good reduce full and final to close the door on it or watch the clock ticking

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  • 4 weeks later...
  • 4 months later...

Hi Folks, received a letter from Link financial today as follows

 

NOTIFICATION OF ACCOUNT TRANSFER TO AGENT

 

You have faied to reach an agreement with us regarding payment of this current outstanding debt.

 

Unless you contact us within the course of the next 7 days, we will instruct Instant Silver to take over the management of this account.

 

If you wish to prevent this, please contact us on 0800 *** ****.

 

We are able to take your call Monday Thursday 8 AM to 8.30 PM. Friday 8 AM to 5 PM and Saturday 9 AM- 6 PM.

 

No doubt this will be given your urgent attention.

 

I am going to send them a reminder that this account is in dispute, anyone heard of Instant Silver ?

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Not me......I would ignore until you hear from anyone else and sent the dispute letter then ......like the rest lol

 

 

Is this not sb now?

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Instant Silver are Link by another name as are Link Financial Outsourcing and Thesis Servicing amongst others. I am sure that others will post their other alias'

 

It is now Statute barred as you are in Scotland so I would bear that in mind for if they get serious.

Dont let the parasite dca's prosper

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Thanks Ida and batman, i have checked back on this thread and the account does not become statute barred until early May 2014 as i was continuing to pay them through debt management until May 2009 although challenging their right to collect since january 2009. interested to find out that Instant silver is Link, so it is a scare tactic being used as they can no longer call me as i cancelled the phone late last year.

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Yes i think it is :madgrin:

 

 

And i can see you quivering in your sandals :lol:

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  • 1 month later...

Received a letter from INSTANT SILVER today as follows

Dear *****

You currently owe Link Financial £1,6** .

We know that being in debt can be verry stressful, with to many:

Telephone calls

Agent visits

Collection letters

AT INSTANT SILVER WE WANT TO GIVE YOU THE OPPORTUNITY TO CHANGE THAT.

We will set you up with a repayment schedule that will give you an upfront discount of 25% of the current balance,

a single monthly payment and 0% interest.

Even better you will receive NO calls, NO collection letters,NO visits from today.

Your balance £1,6** Discount £40* New balance £1,2** New monthly payment £2* Term 48

We are not going to call to sell this offer, as we think it sells itself,

an easy way to get debt free and one less company to deal with.

Simply complete the direct debit form or standing order indicating if you wish to paying weekly or monthly and we will take £40*.** from the sum you owe.

If you would like to ask us a question or want any more information in relation to this offer contact one of the team on freephone 0800

or write to the address above.

Should you simply want to accept the offer complete the enclosed payment instructions and return to us within the next 15 days.

Instantsilver.

I am planning to send a letter to Instantsilver reminding them that the account is in dispute, any advice from fellow cagers is as always welcome.

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discount letter

proves there is something very very wrong with the debt

 

pers i'd ignore them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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