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    • 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
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
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M&S Money/Fenton Cooper


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In 2003 my partner got an M&S money card.

 

All was going well until he split from his ex-partner when he found the repayments a struggle at the amounts that were requested. He fell a month behind on the payments and on 30 Jan 2006 they sent him a reminder and he contacted them to make agreements to make weekly payments. The normal monthly statement arrived dated 9th Feb 06 and then 2 days later they issued a default notice. On 27th Feb 06 they sent a final demand?? A payment was made again on receipt of this letter (15th March 06) and a direct debit was set from his bank account. A default was registered on his credit file on 17th March 06.

 

Looking at the details on the credit file the information appears to be incorrect as they are saying that he was 6 payments in arrears and it has stated this for the previous 6 months from August 2005. On his statements up until January 2006 his payments were up to date.

 

The debt was passed to BTMK/Fenton Cooper. the first letter from them was dated 15th March 2006 - the same day as the payment made and the direct debit being set up.

 

He has been duly paying BTMK every month on time and for the amount that has been agreed since then but now they are not accepting a repayment plan and they want almost £3k in full.

 

What is the best course of action as it appears that M&S have acted incorrectly with regards to the final demand being issued after the default notice and the default being registered 2 days after a payment was made on the account and 2 days after being sent to the DCA?

 

We cannot afford to pay the DCA the money that they are demanding.

 

Is there any letters or course of action that can be taken other than bankruptcy?

 

Any suggestions would be gratefully received.

 

Thanks

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The debt was passed to BTMK/Fenton Cooper. the first letter from them was dated 15th March 2006 - the same day as the payment made and the direct debit being set up.

 

He has been duly paying BTMK every month on time and for the amount that has been agreed since then but now they are not accepting a repayment plan and they want almost £3k in full.

Did the default notice give him 7 days to pay?

 

They can not just demand payment in full. They have no legal authority to do this. A court would allow him to pay by installments. If they have sent a letter to this effect then he should make a complaint to BTMK, the OFT and Trading Standards.

 

Is there any letters or course of action that can be taken other than bankruptcy?
He should certainly not consider bankruptcy for the amount involved. Are there any charges on the account? Has he requested a copy of the credit agreement?

 

He can send them the following regarding his offer of repayment:

 

Dear Sirs,

RE: Credit Card - Account Number: xxxx

Thank you for your letter dated xxxx, in respect of the above matter.

I am disappointed to note that you will not consider my proposal to satisfy my debt to you. I appreciate that this is not a wholly satisfactory state of affair, but this is the reality of my situation at the present time.

I would point out that I have investigated the options of an Individual Voluntary Arrangement and Bankruptcy but I feel that my proposal is certainly more beneficial to you than either of these procedures. Due to my present circumstances, I am unable to offer a better resolution and would respectfully ask that you reconsider my proposal, which was submitted in a genuine attempt to honour my commitment to you.

I further appreciate that you are not obliged to accept my proposal, however, considering that you are entitled to issue proceedings for the recovery of the balance owed to you, I would ask that you also consider, that in the event that these proceedings ensue, interest would be frozen upon Judgement and I would entirely reserve the right to produce my proposal for the attention of the Court, in evidence that I have attempted a sensible resolution in line with my ability to pay.

This notwithstanding, I would hope that the foregoing will not be necessary and that we will be able to resolve this matter amicably.

In the interim, I will forward payments to you as proposed, as a gesture of good faith. Please could you conduct any further communication in writing only.

Accordingly, I await your further comments.

Yours sincerely

Print name do not sign.

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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The default notice gave 14 days to pay.

 

16 days later the final reminder was sent stating a different arrears amount.

 

We are going to look closer through the statements for charges that have been applied.

 

We have not sent a CCA request. But as he has been making payments does this not admit liability to the debt in any case? We are toying with the idea of CCA and SAR them.

 

Should I send the letter you have kindly suggested or CCA them and wait for them to respond as we are making payments anyway.

 

we both feel like we are on a double edged sword as we would like to be able to pay the debt off and have the default removed/satisfied but equally it seems M&S and BTMK have not acted in the correct manner.

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We have not sent a CCA request. But as he has been making payments does this not admit liability to the debt in any case?
The point of law is not liability, it is enforceability. If the agreement does not comply with the Act then the debt still exists, however it can not be enforced even in a court of law. It then becomes your decision whether the debt is paid or not.

 

Should I send the letter you have kindly suggested or CCA them and wait for them to respond as we are making payments anyway.
Personally I would send the CCA request. They are not being reasonable and under such circumstances I would certainly wish to make life difficult for them. The bog standard letter that you will probably receive after the CCA request is that the account has been put on hold for 28 days. Keep us updated on how you get on.

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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Just to cheer you up, if the Egg account is a credit card it's highly likely it won't be enforceable.

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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Ooh that's cheered me up too, why do you say this? I have an Egg Credit card...... what should I be looking for? I did CCA them and got an agreement which looked ok, except some of the sections referred to in the main text didn't tie up with the T & C and the APR was a bit boggly. I have asked them about this and they have just ignored me, which makes me suspicious, because if they had an explanation, surely they would have sent it by now?

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I have an Egg Credit card...... what should I be looking for?
The fact that they state that you have an approved limit. They need to specify a credit limit, not an approved limit.

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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The credit limit must be in the agreement. It can not be in another document entitled terms and conditions.

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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  • 5 weeks later...

Just a quick update on this. We sent the CCA request by RD on 9th Feb and it is 12 working days tomorrow. Is it at this point that we should atop making the payments to do we give another 30 days? Do we need to send them another letter?

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After the 12 working days are up they are in default of supplying the copy of the agreement and you can withhold payments if you so wish.

 

The 30 days (or one calendar month to be technically correct) no longer applies as the summary criminal offence was done away with and any attempt to enforce while they are in default would be dealt with by the OFT under the Consumer Protection from Unfair Trading Regs 2008.

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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  • 2 months later...

Hi guys

 

just a quick update around the middle to end of March we recieved a photocopy of the application form from BTMK/Fentoon Cooper.

 

There is only the application form and not the credit agreement.

 

We recieved a letter from Fenton Cooper today which contains the following:

 

"We have not had a response to our previous letters (Nothing recieved since the application form has been sent) and we are now preparing to send your account to an external agency who may visit your home to discuss repayment terms. Please therefore contact us so that we may discuss with you a mutually acceptable repayment arrangement of the above debt"

 

What should we do with this, should we write to them or just ignore it?

 

Thanks in advance.

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Hi guys

 

just a quick update around the middle to end of March we recieved a photocopy of the application form from BTMK/Fentoon Cooper.

 

There is only the application form and not the credit agreement.

 

We recieved a letter from Fenton Cooper today which contains the following:

 

"We have not had a response to our previous letters (Nothing recieved since the application form has been sent) and we are now preparing to send your account to an external agency who may visit your home to discuss repayment terms. Please therefore contact us so that we may discuss with you a mutually acceptable repayment arrangement of the above debt"

 

What should we do with this, should we write to them or just ignore it?

 

Thanks in advance.

 

An application form with a signature and prescribed terms within "4 corners" (i.e. front/back) can be enforced pursuant to s127(3).

 

Best if you paste it up for comments (remove any personal info).

 

Was this an upgraded store card by any chance??

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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Hi there.

 

I dont have a scanner but all he has been sent is a photocopy of the in-store application form. It does not have the APR, Credit Limit, T&C's and only has a data policy at the bottom. It also has no "Authorised signature of Creditors"

 

This was an in store application that he made.

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My partner is getting quite worried that Fenton Cooper will pass the debt on for someone to come round to our house.

 

Can anyone hive him any advice?

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My partner is getting quite worried that Fenton Cooper will pass the debt on for someone to come round to our house.

 

Can anyone hive him any advice?

 

You can issue a standard harrassment letter...see below...amend to suit. People often confuse the powers that Debt Collectors have (i.e. none!!) with those of bailiffs.

 

DCA's should not call without making an appointment and have to leave when asked. You can also revoke any common law license for them to visit you in the first place.

 

Also, check out this OFT guidance as regards what they can and can't do...

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

 

 

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.

 

You are reminded of the following under The Administration of Justice Act 1970.

 

Section 40 of the act provides that a person commits an offence if, with the object of coercing another person to pay money claimed from the other as a debt due under contract, he or she:

 

(a) harasses the other with demands for payment which by their frequency, or the manner or occasion of their making, or any accompanying threat or publicity are calculated to subject him or his family or household to alarm, distress or humiliation;

(b) falsely represents, in relation to the money claimed, that criminal proceedings lie for failure to pay it;

© falsely represent themselves to be authorized in some official capacity to claim or enforce payment;

(d) utters a document falsely represented by him to have some official character or purporting to have some official character which he knows it has not.

 

I am of the view that your 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.

 

Further to this all calls from your Doorstep Collectors must also cease unconditionally and with immediate effect. I note that there is only an implied license under English Common Law for certain people to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

 

Take note, I revoke license under English Common Law for you, or any of your representatives to visit me at my property and if you do so without my permission, you will then be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone to visit me nevertheless. Any trespassers you attempt to send therefore will be dealt with accordingly.

 

Be further advised that any further telephone calls from your company will be recorded.

 

 

Yours faithfully,

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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  • 8 months later...

Hi, just a really quick update.

 

My partner received a letter from DLC today regarding the above debt. It seemd that Fenton Cooper/BTMK have passed this debt on.

 

We had moved and it appears that they have placed a trace on him and contacted us at the new address.

 

What is the best thing to do about this letter, I am sure that Fenton Cooper/BTMK should not have passed on a disputed debt/unenforceable agreement?

 

Any help would be very gratefully received.

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I would just send DLC the same letter about not phoning or visiting as above.

 

I actually had a letter from DLC stating that they were going to send someone around within 7 days and ignored it. Nothing happened.

 

They do pass these debts around, it's a bit like pass the parcel!! The only way they can enforce is to go to court and, if they haven't got an enforceable agreement then they're unlikely to do this.

 

Threats such as calling at your property, telling you that they know you own your own house and they will apply for a charging order (even though they know they need a CCJ first) are all designed to frighten you into paying.

 

Oh, and if anyone should call, just ask them for their details and then tell them to leave. They have no lawful right to be there and, if you've told the company not to call previously, I would also send off a complaint to OFT.

 

Best of luck ;)

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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M&S and More

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Do you think it is worth CCA'ing them too?

 

When the account was with BTMK all they could get was an in store application form so as far we are concerned it is not valid.

 

CCA is normally something you only have to do once. The next step would be to SAR the original creditor which costs £10 to see exactly the extent of the paperwork they have. Personally, I wouldn't bother at this stage. Passing the debt on is just another step in the debt collection process.

 

My M&S card was passed to Collect Direct and is now with Philips. I actually have a letter from M&S, in response to my CCA stating that they can't find a copy of my agreement and realise that it is unenforceable. However, the money is still owed and I guess the "game" continues until such time as the debt becomes statue barred (6 years).

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

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