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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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Please help me-Long posting re: Welcome Finance Loan Agreement


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The first loan (I singed on 18th May 2007) This included insurance which brought the £11,000 loan up to £12,446.44. (NB - Welcome didn't supply this agreement as part of the SAR , i have posted up my own record copy)

 

After recieving the £11,000 cheque I cancelled the insurance.

 

Welcome said that they would 're-do' the agreement. This agreement was included in the SAR (£11,000, no insurance listed) This was done and signed by me on the 14th June 2007.

 

 

Fast forward to September 2008, they out of the blue ring me and offer me a "top up loan" as a valued customer. Stupidly I took up their offer and topped up my loan, so this cleared the £11,000 loan and gave me a new loan amount of £16347.91

 

This last agreement document was signed by me on the 24th Septemeber and then they signed it on the 28th september.... I genuinly cannot recall a cooling off period.

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I *think* I signed the last agreement by post... I was due to go into branch but couldn't get the time off work, they tried to rearrange me to go in, but still couldnt get time off, so in the end they sent it by post and I had to 'drop it through their letterbox when i signed where they asked.

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Oh crikey - I think I am even more confused!!!

 

Am i reading this right way... basically because the final loan was signed by me on the 24th September and by Welcome on the 28th September, I wasn't given the right of cancellation???

 

Does the above apply regardless of whether the docs were signed in branch or by post? I am sure I signed them at home but how do I prove this was the case?

 

Sorry if I am being thick!! (more than likely!)

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Hi Postggj,

 

Yes - i guess you are right, the dates on the agreement are signed by Welcome 4 days after my signature!

 

Would that still be an issue if it was signed in the office?

 

From what I recall, I got the cheque 4/5 days after dropping off the paperwork (They made me go into the branch and physically collect the cheque - does that make any difference?)

 

Is there also any argument over the fact that the SAR didn't produce a copy of the very first agreement (the one for £12,464)... surely they should still produce a copy of this even though I cancelled the insurance,???

 

What is the end result here with all the above in mind... where do I stand and how do i prove it?

 

I am really worried they are going to create mayhem with my credit reports ( I get credit checked as part of my work each year, hence concerned!)

 

What would you recommend is my next step? is there a letter I can use for my circumstances?

 

 

Massive thanks for all your help Post, really is appreciated! :-)

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OK - just got off the phone from my bank. They cannot tell me the date the cheque cleared in my account, but it looks like I paid the cheque into my account over the counter on the 1st October 2007.

 

I can ring back on Monday to get when it cleared in my account if you want??? (the department that deals with archived info isn't open at weekends)

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If I recall correctly, I got a phonecall telling the that the manager had signed the cheque and that it was ready to collect. I went that evening jsut before they closed and collected it. I would have banked it straight away, so probably the next day.

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I have noticed that on one of the secured loan statements that they gave me via SAR (by the way, not sent any prior to the SAR!) that it is itemised "28/09/07 - TRANSFER - CREDIT £11347.91"

I presume that is the internal transfer they did to clear the old loan....

 

 

That would tie in, as the 28/09/07 was a Friday. The 1st October was a Monday, and that is when barclays say i paid in the cheque over the counter....

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I have been looking at this more closely today, from their own paperwork (statmements) it looks like they did an internal transfer to clear the previous account and also issued the remainder to me (ie cheque)

 

Postggj- is there a standard letter I need to send them?? They are no longer considering the account in dispute, and obviously I still think its fishy!!!

 

Are they likely to put markers on my credit files? ( i am not currently paying them.)

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Yes

You Need To Send Another Letter To Keep It In Dispute

 

Leave This With Me For A Few Hours

 

JUST REPOST THIS

 

DATE YOU SIGNED AGREEMENT

DATE YOU RETURNED AGREEMENT

DATE WELCOME SIGNED AGREEMENT

DATE YOU GOT THE CHEQUE

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Cheers Postggj :-)

 

Here is the info you asked for:

 

Date i signed the agreement - 24th September 07

 

Date i returned the agreement - 25th September 07 (I took it back to them and put it thru letter box as office closed)

 

Date Welcome signed agreement - 28th September 07

 

Date cheque collected - last thing on 28th September 07 (banked cheque the next business day which was the following monday - 1st oct)

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