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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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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Anatomy of a Default Notice


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PS Congrats on joining the Site Team (I have only just noticed)

Thankyou. Doesn't mean I know what I'm talking about. Just don't have a real life, only a virtual one.:violin:

 

I don't know if you've seen this:

 

http://www.ico.gov.uk/upload/documents/library/data_protection/detailed_specialist_guides/default_tgn_version_v3%20%20doc.pdf

 

You say you were defaulted in 03. That's it-no more. Perhaps the DCA don't know about it and need reminding. The only way(s) to serve another DN is if they didn't file the first one with the CRA OR you satisfied the default before the date stipulated in which case it would never have been placed and even then I would still complain as they didn't file in a timely manner.

 

If they place it on your file, complain to everyone

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  • 9 months later...

Morning all,

 

I stumbled across this thread yesterday and have a feeling in may apply to me.

 

My thread is here http://www.consumeractiongroup.co.uk/forum/showthread.php?308246-Black-Horse-defaults-and-more..

 

After sorting through my SAR this is the FIRST default notice I was sent..

 

default1.jpg.

 

I am aware that before 2006 the time limit was 7 days, so as the letter is dated 12th May 2005 (Thursday) and assuming the letter was sent First Class, Monday 16th would be the Service date..

 

So 7 clear days from then would mean that the date of action should be 24th May NOT 23rd May as stated..

 

That of course is allowing that it was sent First Class but in all likelihood it would have been Second Class..

 

The arrears total is right..

 

Is this enough to make it a dodgy default?.

 

It also states that;.

 

If you do not pay the arrears by that date this notice is to be treated as our demand for payment of the balance..

 

Would that be classed as my termination notice as I took no action?.

 

I was then sent another 3 defaults, all in the same format giving 11 days from the date of the letter BUT I take it they would be invalid as the first default is the one to go by?

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They can make multiple attempts at getting the default correct until termination, cant remember when the regs changed from 7 days to 14 but any defaults raised after that date will require 14 days rather than the 7 at the time your agreement was taken out.

 

You should be aware that Brandon vs Amex limits the use of a default notice as being invalid argument currently, it's in the process of being appealed.

 

S.

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Hi Shadow,

 

Are you saying that this argument is currently a lost cause?

 

All FOUR of the defaults fall short on the days to rectify.

 

Default 2 was dated on Saturday 14th May 2005, Default 3 didn't take in consideration the May Bank Holiday & Default 4 was a day short as well.

 

Also the arrears they were asking for equates to March & April's payments, at the time of the letters date I was also owing May's payment so would of STILL been in breach of my agreement.

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If you are going by the rectify date being invalid then they will quote Brandon vs Amex and state that no enforcement action was taken during the statutory rectify period and hence you were not prejudiced by the lack of 14 days or 7 etc etc.

 

If you are going by the amount being incorrect, then thats a stronger argument imvho.

 

S.

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Ok, I'm not too sure how best to proceed then?

 

I didn't receive a Termination Notice and BH filed for court proceedings in Nov 2005 for around £5000, won, got charging order and got paid full amount in March 2006.

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Hi xboxer,

As Shadow indicates, things have moved on (deteriorated?) since this thread was started, due to various issues including the Brandon judgement mentioned above.

I append a copy for your reference. However an appeal is pending on 12th/13th July.

 

It's also now generally considered that an account terminated following a faulty DN renders the termination invalid, therefore another DN can be issued. Not a popular decision. However it's also been established that enforcement, as in a CCJ, cannot happen without a compliant DN.

You might want to take a look at Harrison vs Link:

 

http://www.bailii.org/ew/cases/EWHC/Mercantile/2011/B3.html

 

Your best bet is the incorrect amount on the last dn. Keep it under your hat until the last minute if they initiate proceedings.

 

Elsa x

Brandontranscript-U-E.pdf

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Ok thanks for the info and help so far.

 

I've had a read through both and think I understand it.

 

As stated the creditor can now issue as many DN's as they want until they finally get it right BUT can not enforce the debt without a valid DN.

 

Well in my case they did.

 

If I was to state to BH that they terminated the agreement with a faulty DN, BH can retrospectively quote the Brandon Judgement.

 

But as they have enforced the debt on a faulty DN then it is a whole different ball game?

 

Is it the fact of the arrears amount not being correct making the DN faulty?

 

Without wanting to be devils advocate on myself, could BH argue that the arrears amount was correct due to when the DN was issued that month's payment was only late and technically not in arrears? I am hoping this is not the case.

 

If it is definitely a case of enforcement from a faulty DN what kind of redress should I be looking for?

 

I apologise for all the questions but want to be sure in my own mind on what grounds in arguing on.

 

I am currently challenging them over the wrong satisfaction date of the CCJ, PPI and penalty charges on this account and would love to hit them with something else.

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in general

have posted/mentioned this before in another thread (now closed!).

but, it has been previously briefly mooted in sweet & maxwell (Consumer credit; law and practice '85 pp179-80) that the law of 'mistake' may provide a remedy re non compliant dn?

there is of course the forthcoming brandon case which is supposed to address some things re a dn.

imo

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Hi Ford,

Do you have the full quote, in context?

 

Thanks,

 

Elsa x

 

hi elsa

it's an 'old' (but recently referred) one, but will try and get hold of it just now.

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Worth noting this from Brandon:

"34. Now, somewhat theoretical though it is, had American Express taken enforcement action within 14 days of 19 June, it may well be that the validity of that enforcement action would have been open to challenge. I express no final view on the matter but I do understand the argument because, to go back to section 87, it must specify the nature of the breach and if the breach is capable of remedy what action is required to remedy it."

It's just a passing comment and doesn't have any force but worth bearing in mind if the lender did take some action during that 14-day period (as MBNA have done with many accounts by selling them on).

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  • 3 weeks later...
  • 2 months later...

I'm in the throes of defending a court case. The solicitors have sent me a letter containing various docs to reinforce their position. They say that the OC sent a dafault notice way back.However they have sent what they caal a 'pro forma' copy. It is basically a template with no name, address, amounts or account numbers. I take it if I keep quiet and it goes to court, then it will be thrown out when I point out they have not got one, or as I am in the process of sending my defence off to court, is it too late for them to amend it if I write back and tell the solicitors to provide a proper version. On the face of it it would appear that they d not have one otherwise they would have sent one..

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A proforma is absolutely useless. You need the original in order to see if it was prepared correctly, gave you the correct amount of time to remedy the breach, gave the correct clause you had breached. On a profoma you wont know whether the original asked for the arrears that were due or the full amount (which is a nonono).

 

A proforma can be made to look as though all the information was accurate, when perhaps it wasnt.

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I made a request under CPR 31.14 for a copy of the NOA and its method of delivery. They have said in their latest letter to me that it was sent by second class post and enclose a pro forma copy of that. However there is no proforma. So they have failed under my CPR request, and it therefore looks like the NOA which I never received was not in fact sent. I would imagine a judge looking at the 2 failures together would consider them to be unable to proceed. I have also never had an annual Statement of account.

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