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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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      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.

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Cabot trouble, first timer, pease help.


mongo34
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Hi to all, and thanks in advance.

 

I recieved a letter from these people on the 30th December. Being over Xmas and new year, I filed it in view of dealing with it in the new year.

 

Letter looks to be of standard format ie;

 

WELCOME TO CABOT

 

The Cabot Financial Groub has recently bought the account you held with Vanquis etc...etc

 

According to our records you currently owe £320.46. Please contact us etc...

 

The letter goes on to give payment options...

 

Within the letter was a very dubious looking letter with a Vanquis letter head, albeit an ameteur looking attempt of a letter head, the logo is so pixelated.

 

It says that;

 

We hereby give notice of the assignment of the debt due to us in respect of the outstanding balance on your account.

 

This assignment is effective from 12 December 2008 and is entered into by Vanquis and Cabot Financial (UK), part of the Cabot Financial Group.

 

All future enquires and payments concerning this account should be directed to: CABOT etc.

 

Yours sincerely

 

M Reddin

 

Vanquis Bank.

 

I have recieved as many as 4 phone calls a dayfrom this company, each time I have asked for all matters to be dealt with in writing please, assured this would happen, but then next day the callls will start.

 

I recieved a letter finally on 4th February 2009 saying,

 

We'd really prefer to discuss your account by telephone but we'll agree to your request to write instead, as long as you co-operate with us.

 

Please write to us with a clear statment of your proposal for repaying your account (I have stated verbally that I do not acknowledge a debt) You also need to complete the enclosed budget form ansend it with your letter. This will help you give us all the information we need in order to consider your payment proposal.

 

If you don't send us your Budget form and payment proposal within 28 days we'll have no alternative but to resume our telephone procedure, using any number available to us.

 

Yours sincerely

 

Peter Anderson.

 

I have started making a log of all calls to me both mobile and land-line. What is my next course of action, I have read a few threads about this company, but this is a very new and not so pleasent experience.

 

Again, thanks in advance.

 

Mongo

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Hi and welcome to the CAG, first things first I assume this is a vanquis credit card in which case you need to send crabot a cca request for the alledged agreement to ensure they have the right to collect the alledged debt

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

follow this link and use template N

 

costs £1 send it recorded do not sign, they then have 12+2 days to supply

 

secondly never talk to these people unless you can record the calls, if they continue to call just say in writing and put the phone down.

 

Are there any charges you can claim back against this card?

 

and you are my 3000 posts whoopee:-)

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to stop the phone calls

 

Harassment by telephone

 

Account Number: XXXXXXX

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.

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!!**)

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Hi and thanks for your prompt reply.

 

You assume corerctly, it is a Vanquis credit card, as to any charges, the limit was 100, teh debt stands at 326.04, the first letter stated 320.46. I assume this is thier interest.

 

I have already printed off the Harassment by telephone letter, but will print off letter N also, and send them together recorded delivery.

 

What does the 12+2 days mean? Do I give them 14 days from the date of my letter, or from date of them signing for it?

 

Thanks again

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Update..

 

I sent of both letters, 19th Feb, I recieved their reply this morning.

f0d17e27698173.gif

 

What should I do know?

 

Nothing. Just wait for the CCA deadline to pass. That (template) letter is hilarious :D Admin Of Justice Act doesn't apply in your circumstances, so they are a Judge now are they and have made that decision have they? Not obliged to provide a CCA but will be really helpful and pass on your request, ha ha! What happens next....recipient of letter drops it in the bin :-D

 

Brilliant, they must write comedy scripts in their spare time!

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LOL, thanks. It is so clearly a template letter too, look on the far right hand side half way down CCA008, must be the template ref...!?

 

Exactly. I think I read somewhere on here that one DCA sends out 20,000 letters a week :eek: Yeah, and I'm sure every letter is an individually crafted response :rolleyes:

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Should I reply in kind with a letter stating this?

 

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:

 

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;

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Should I reply in kind with a letter stating this?

 

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:

 

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;

 

I wouldn't waste the time or the spit to seal an envelope to bother to tell them of their deficiencies, they know they are in the wrong, let them hang them selves. It shouldn't take much rope to do it. If they do start phoning again keep a note of the times/dates they call, useful evidence to slap them with.

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It all depends on how much you want to poke them.

I much prefer it myself, as it gets quite funny, but thats me.

They will default on your CCA request soon, so you must then send them a letter stating that the account is in dispute and you are not obliged to pay anything until they produce the executed agreement.

They also say in their letter that they dont have the agreement, so that in effect is them admitting that they are processing your details ( Against Data Act) without having made the necessary checks as required by law.

Now if you really need to poke em, I would put that in your letter.:D

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It all depends on how much you want to poke them.

I much prefer it myself, as it gets quite funny, but thats me.

They will default on your CCA request soon, so you must then send them a letter stating that the account is in dispute and you are not obliged to pay anything until they produce the executed agreement.

They also say in their letter that they dont have the agreement, so that in effect is them admitting that they are processing your details ( Against Data Act) without having made the necessary checks as required by law.

Now if you really need to poke em, I would put that in your letter.:D

 

Now that does indeed sound like fun, I am at a bit of a loose end this week work wise, so need something to fill my time.

 

I will have a play around in the morning and try and get something typed up, should you have any quotes of law or similar please feel free to share them ;) lol

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well for starters, Thank you for your letter dated xxxx in which you appear to state that you have no legal right to any claim due to not having the correct paperwork to so, (then we add the legal bit)

Also, not having made the correct level of supervision to ensure processing of data is not made until you have checked the correctness of the paperwork

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  • 2 weeks later...

I have recieved today a letter from crapbot telling me that the original lender is experiencing delays and that they will send the information through to as soon as they recieve it.

 

What letter should I reply with?

 

Thanks again in advance.

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  • 7 months later...

Well, nearly 8 monthes on and I get this out of the blue.

 

e2a31954521756.gif

 

Am I right in thinking that this is false information, and that they must produce the CCA ?

 

Thanks again.

scan001.jpg

Edited by mongo34
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