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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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1st credit and Lloyds TSB Platinum credit card


hunterandthehunted
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can an expert answer this please???

 

much appreciated

 

hunterandthehunted

 

A notice of assignment can come from either party.

 

it is important to look at what the assignment covers... if it is from first credit, then it will cover the rights and not the obligations of the contract, which is important.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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hi everyone,

 

i have noticed that 1st credit have not took there monthly payment of £58 which was due on the 23rd of feb. the payment method is done by direct debit and payment has been made in this way for the last 10 months.

 

i suspect that it has something to due with the CCA request. also they have not communicated in anyway at all.

 

is this normal behaviour from 1st credit. some advice from the experts would be greatly appreciated...

 

regards

 

hunterandthehunted

regards

hunterandthehunted

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Most DCAs will take the money if you have a DD set up... Maybe they have sold it to some one else, or returned it to the creditor?

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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thanks for your response tomterm,

 

can they sell it on if the account is in dispute?

 

they still have not took the monthly payment at time of writing. would it be unreasonable of me to ignore it, should i send a cheque perhaps?, after all the DD is still active. would they be able to take a double payment next month, or even a triple payment the month after that.

 

also while i am here, the time limit for my CCA request is up on the 9th of march and basically would like to know what to do next.

 

is there a template letter i could use to let them now that this account is now in dispute?

 

thanks in advance...

 

hunterandthehunted

regards

hunterandthehunted

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Hi,

 

I work for a BBC1 consumer affairs programme called "Don't Get Done, Get Dom", in which presenter Dominic Littlewood attempts to resolve issues that have arisen between consumers and companies.

 

Having read your story, we would be extremely keen to hear from you to see if there is anything we might be able to do to help.

 

If you would like to talk to us, please get in touch at:

 

[email protected]

0207 713 6868

 

Thanks very much,

 

Robert Gershinson

Don’t Get Done, Get Dom (BBC1)

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dear experts,

 

the 12 + 30 day period are up for my CCA request. 1st crud have admitted to me that they have not got it.

 

they threatened court action, everything is quite at the moment, not even a phone call. they also failed to take their monthly payment from my bank account last month for which i failed to remind them.

 

my question is: what do i do now? or do i just wait to see what they do?

 

best regards

hunterandthehunted

regards

hunterandthehunted

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Send the account in dispute letter just in case they try to sell the debt on

 

Account In Dispute

 

Ref:

 

Dear Sir/Madam

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On the **DATE** I wrote to you requesting a copy of the credit agreement and other information under the Consumer Credit Act 1974 (Sections 77-79).

 

On **DATE** a member of your staff signed for delivery of my written request and I have an electronic proof of delivery showing their signature and the date.

 

To date you have failed to comply with these requests in any way, whether by confirmation of receipt of the request or by supplying the requested documents.

 

These documents I requested should be readily available as proof of your legal right to collect this account under the Consumer Credit Act 1974.

 

In my letter of the **DATE** I made a formal request for a copy of the signed, executed credit agreement for the above account under section 77(1) of the Consumer Credit Act 1974. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore

 

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

 

If that request is not satisfied after a further 30 calendar days your client commits a summary criminal offence.

 

These limits have expired.

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

And

 

(b) If the default continues for one month he commits an offence.

 

Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

Live Life-Debt Free

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1st crud have admitted to me that they have not got it.

 

congratulations!

 

cancel the direct debit. after all, 1st credit have admitted that they have no legal right to expect any monies from you ;)

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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thanks for your response tomterm,

 

can they sell it on if the account is in dispute?

In theory no, in practice the OFT guidance does not seem to stop them.

they still have not took the monthly payment at time of writing. would it be unreasonable of me to ignore it, should i send a cheque perhaps?, after all the DD is still active. would they be able to take a double payment next month, or even a triple payment the month after that.

i would be tempted to cancel the DD at your bank.

also while i am here, the time limit for my CCA request is up on the 9th of march and basically would like to know what to do next.

Wait.

is there a template letter i could use to let them now that this account is now in dispute?

Personally, I would not send them a further letter until they send you something further

thanks in advance...

 

hunterandthehunted

 

If you do need to send them a letter, something short and to the point:

 

Dear Sir/Madam

 

Re: Ac no XXXX

 

With regard to the above account, i sent you a formal request for the original credit agreement on DATE. You recieved it on DATE. I have cancelled the direct debit, and will cease payments until you provided it, as I am entitled to do so under the Consumer Credit Act 1974.

 

I will resume payments once you provided it, as required by law.

 

Yours Faithfully,

 

XXXX (type don't sign)

 

personally, i would wait for a month or two though without sending further letters.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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thanks for all your comments guys...

 

i will have a think about my next move and keep you all posted...

 

thanks

hunterandthehunted

 

hello,

 

what is the correct address to send a cca request to. i defaulted on a platinum credit card many moons ago and have been pursued by Bls collections for the debt.

 

do i send it to lloyd or bls?

 

also is there an up to date cca request template anywhere on this site?

 

thanks in advance

 

hunterandthehunted

regards

hunterandthehunted

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  • 11 months later...

Hi,

 

Send it to BLS.

 

Letter 'N' in the library.......

 

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

 

Send with a £1 postal order, recorded and don't sign it.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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hello,

 

what is the correct address to send a cca request to. i defaulted on a platinum credit card many moons ago and have been pursued by Bls collections for the debt.

 

do i send it to lloyd or bls?

 

 

thanks in advance

 

hunterandthehunted

 

BLS and they will pass it accross the office to their colleagues at Lloyds :)

BLS are part of Lloyds, look at the bottom of the letters, the small print.

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thanks odds,

 

i did know that bls are the in house dct, but i wanted to make sure whether it was ok to send it to them or whether i would have to send it to a specific Lloyd's address.

 

i sent a cca request to the co-op at the Liverpool address once and it got lost because i was supposed to send it to their Manchester address.

 

just want to be sure, but thanks anyway

 

hunterandthehunted

 

is this the address:-

 

bls collections

po box 467e

oxford

ox4 1wa

regards

hunterandthehunted

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is this the address:-

 

bls collections

po box 467e

oxford

ox4 1wa

 

Yes, but don't expect it to be signed for as it's a PO Box. I sent mine to MHA as it was them that contacted me, but it was Lloyds that replied eventually(4 months or so).

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Yes, but don't expect it to be signed for as it's a PO Box. I sent mine to MHA as it was them that contacted me, but it was Lloyds that replied eventually(4 months or so).

 

good point odds,

 

what should i do do ya think as i thought sending it signed for was one

of the golden rules.

 

there are some other address's at the foot of the page.

 

regards

 

hunterandthehunted

regards

hunterandthehunted

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hunterandthehunted.

 

Send it here and you will at least receive a written proof of delivery PO box no sig.

 

Consumer Debt Recovery Team

Lloyds Bank Plc.

Queens Road Quadrant

Brighton

BN1 3XJ

They deal with CCA requests etc. Trading Standards have recommended the address and not the PO box one. ;)

 

"EXEMPLO DUCEMUS"

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  • 1 month later...

hi all,

 

its been 15 months since my cca request. i have had no communication with 1st crud what so ever in this period , they even cancelled the monthly payments themselves ( direct debit ) and all of a sudden a cca has arrived with the post this morning accompamied with a letter, inviting me to ethier confirm that it is my signuture on the agreement or if it is not, to provide them with a sample.

 

i have to say that it is my signature but am suspicious as i signed the cca request back in feb 2008.

 

i also received loads of statements which correspond to my now closed current account.

 

could somebody advise on what i should do next?

 

thanks in advance

 

hunterandthehunted

regards

hunterandthehunted

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hi babybear,

 

yes no problem%3ca%20href=, here it is with the letter which came with it.lloydsccaloanletterscan.jpg[/img]

 

bear with me babybear i seem to have forgot how to use photobucket

 

ok, here is the letter.....

 

lloydsccaloanletterscan-1.jpg?t=1241291327

 

and here is the cca

 

lloydsccaloanscan.jpg?t=1241290491

regards

hunterandthehunted

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