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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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Phil Vs HSBC Loan (See CCA attached)


omoeko
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Hi All,

 

I have recently requested a copy of my unsecured loan CCA document, I was uite suprised how quick this was processed, I am a bit suspicious that the agreement might be enforceable, maybe thats why HSBC quickly answered m request as it was my branch which sent me a copy of it.

 

Can someone please help me have a glance through to check if the loan if enforceable.

 

Thanks

 

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I'd have to agree, except there is no signature? Have you edited it out?

 

BTK

Cabot At Court Stage

Barclaycard Settled, Amount Written off :D 12/02/09

Cabot At Court Stage(2nd account)

Skycard Now with Capquest, Threatinging SD

Next No CCA received, in dispute sent. Nothing heard for over a year

HSBC No CCA received, in dispute sent

EGG S.A.R sent 04/02/09

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  • 3 months later...

Hi All

 

I just got told by a mate that the attached agreement is enenforcble, can anyone else comment please ?

Edited by omoeko
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What does your mate think is wrong with it , omoeko ? It looks pretty standard to me and I think the arithmetic looks ok .......

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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What does your mate think is wrong with it , omoeko ? It looks pretty standard to me and I think the arithmetic looks ok .......

 

 

Hi Mate

 

Just heard back from the other chap that had it checked, he's saying that there is a mistake on the amount payable, I have been told there is an inconsistency of less than £20 or so. I was informed this constitures a major breach. please advice

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It depends on when the loan was taken out , (I can't get your posted docs back in #1 ..... just a load of red crosses ......:eek:

 

If it was taken out before April 2007 , you have a possible case for unenforceability, after that , the rules were changed .........

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 1 month later...

Hi All,

 

Thanks for the replies. HSBC have been proving a little difficult lately, they are trying to shove up a managed loan onto me, 2 out of 3 of my debts are enforceable. The 3rd one which is the credit card i ssupect is enenforceable, as they have not been able to provide me with a CCA.

 

Even now, they have not provided me with a CCA, and yet I'm geting letters saying that they will pass the case to a DCA and also send baliffs as well.

 

Is there anything i can do here?

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Hi Phil , you could send this one to force them to admit they haven't got a copy of your agreement , in which case the debt is unenforceable ......

Reference ....... (your letter of xx xxx xx)

I am disappointed that you have failed to respond to my request for a copy of my Loan agreement to which I am entitled under the Consumer Credit Act 1974 (Sections 77−79). A copy of this letter is attached for your convenience.

I have previously enclosed a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

I understand a copy of our credit agreement should be supplied within 12 working days.

I am sure you also understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

"PLEASE NOTE that unless otherwise stated by yourselves and if the above documents are NOT provided, it will be CONFIRMED that you are unable to reproduce/provide in any way shape or form any copies of the above requested documents. You are reminded that you have a duty to inform me if you do not have the above documents. This is confirmed in High Court Law - Ezsias v Welsh Ministers - [2007] All ER (D) 65 (Dec) "

Failure to respond positively will be reported to the Financial Ombudsman Service and the Office of Fair Trading.

Yours faithfully

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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And of course it goes without saying , but I'll say it anyway :rolleyes:

 

Resist the Managed Loan with all your might - it's financial slavery !!!!!! :eek:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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I think the last paragraph on the one I gave you should force them to admit if they've got it or not - it's the law ...... they have a duty to inform you .........

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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yep, you correct. Thats the only difference. Will send out tomorrow.

 

With regards to the other debts, one is a loan and the other is a bank account, I'm paying low affordable payments, even though it has been agreed if i take it as part of a managed loan, but as I dont agree to the managed loan, I am just paying on a basis of take it ot leave it.

 

Thanks.

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Also, for Halifax.

 

I have made offers of lower affordable payments, it has not been officially accepted yet, but i was told once arrears reaches about 6 months, then they will probably accept the offer.

 

But they still keep phoning me all day, even though my number has since changed and I have given my number to my daughter, but they still keep calling here. Is there anything I can do ?. Feels like even though, number has been changed, they have all older historic numbers and they just keep calling those.

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That's the ideal way to tackle it IMHO , omoeko -:) and whatever you do , don't go down the Managed Loan route .......... :eek:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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If you have on-line banking , just go in and delete all your numbers - (or as pete castlebest mischievously suggested , substitute a 090 sex-line no . ) :rolleyes:

 

If you can't do it that way , send them a letter ,(recorded delivery ) something like :

 

Re: Harassment by telephone

ACCOUNT NUMBER: XXXXXXX

Dear Sirs

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only. This protects us both in the event of a court case.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

Yours faithfully,

[NAME HERE]

Make sure you log their calls , after giving them a reasonable time to take your letter on board......

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 6 months later...

Hi All

 

I recently posted a copy of my HSBC personal loan CCA for checking and it was deemed as enforceable, I do have other debts with HSBC and despite the fact that I have written to them so many times stating my financial difficulties and also sending them a income/expenditure statement.

 

They tried to force me to take a managed loan which I refused and insisted that I will keep paying how much I agreed to pay according to my I/E statement, they didnt state that they would accept the offer since I refused the managed loan, now they are saying that they will sanction and attachment of earnings order to my employer.

 

I keep sending them the amount that I can afford monthly, but they keep refusing the payment as they have closed the account, i am wondering is there anything else that i can do now ?

 

Thanks in advance

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They can't just get an Attachment of Earnings Order, it is only a court that can order this. The reallity here is if they took you to court (very unlikley if you are making payments) then the court would set what they thought was a resonable amount for you to pay.

 

Don't be bullied into taking a managed loan they are the worst kind of things to have, i have had two and would never be forced into having another one.

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Thanks for that, but that is what they have said, i.e would ask a court for a attachment of earnings order, also they keey refusing my payments as the account was closed and they have not provided me with other means of making payments to them.

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Thanks for that, but that is what they have said, i.e would ask a court for a attachment of earnings order, also they keey refusing my payments as the account was closed and they have not provided me with other means of making payments to them.

in order to get an attachment of earnings, they would have to take you to court first and obtain a ccj... they cannot just get an aoe, as to them refusing payment a court is not going to look very favourably on them if you have been attempting to pay and they have not been allowing you too.

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I would write and tell them that you are willing to pay, but pay only the amount YOU can afford not what they tell you to pay. ask them for a standing order mandate, and if they are not willing, make sure you keep all of their letters in the event of court action, as before no court is going to look favourably on them if you have attempted to pay

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