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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.
    • Regular savings accounts are accounts designed for savers who put money aside every month and reward them with a generous interest rate.View the full article
    • 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.
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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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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RBS defaulting me - no CCA, here we go!


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I wonder why they stated 3 weeks? Did they know something was going to happen then?

 

I'd go straight to a bank branch (with ID) and ask why you can't access your own money......

 

no idea! guess would be so that I think my money is safe for weeks instead of days and when my money is then swallowed up....they get paid. Can see no other motive.

 

The also keep saying the a/c's are not closed lol, they are still open in CMS. They agree that I have absolutely no banking facilities at all now but as they are still open internally, I cannot claim they are closed!

 

WTF?!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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yup, parachute a/c ready. DWP etc been notified but they said it can take weeks for the change to take effect, so in the meantime I will dog them every step of the way :mad:

 

The more evidence I can collect that they ride roughshod over the CCA, our rights and every other code, the better.

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Hi Dipply,

Sounds like you need to hit them with a "First Rights of Appropriation" letter asap: http://www.consumerforums.com/resources/templates-library/48-bank-templates/140-right-of-appropriation-stop-the-bank-from-taking-your-money-

 

Beggars belief how they're so happy to leave people without the essentials to live on.

Hope this helps,

Elsa xx

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Hi Elsa, I think I will send that letter to cover my tax credits due next Thurs as I think they will take the longest to change my payment arrangements. Thanks!

 

Something which really concerned me was what the advisor from the FOS said while taking my details. Although her advice was great she did make a comment about my CCA request, she said there was a lot of this about - requesting the agreement but it does not stop you owing the money so it's abit of a red herring.

 

Those were her exact words. Now, to me that implies that the FOS do not see your right to the agreement etc isn't really a big deal and is more of a side issue (much the attitude of the banks). Very misleading and dangerous IMO.

Edited by Dipply75
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Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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technically they're right, failure to supply a copy of the agreement does not negate the loan just makes them unable to collect or enforce it.

 

Bang on, but I hve never asked to write it off or make it go away. I have solid proof that I have NEVER refused to pay this loan, in the beginning |I only asked for a bit of short term assistance and would be clearing the whole balance within months - but she put it like 'it won't wipe the loan so why ar eyou bothering'. No recognition of the bank taking action after defaulting on a CCA request.

 

The bank is taking very specific action on all my a/c's as they claim this was in the T&C's I agreed when signing. (No I did not!) and they cannot prove this now challenged. It just came across like she assumed the only reason I would be doing the CCA thing is to avoid the debt.....am not, that's not my motive for this!

 

The debt exists. What they cannot claim or prove is the terms, T&C's etc. It is breaching these which is the basis of a DN, termination and action on my other a/c's.

 

And by taking my benefits towards the loan is collecting. Now why can't I be that concise on the phone! :)

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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try telling DWP that the account is closed and there's no point in sending funds to it. That should create some kind of response. Failing that, a visit to a DWP ofice to explain, I can't believe there isn't a procedure for this, you cannot be the only person who ever needed to redirect funds!

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try telling DWP that the account is closed and there's no point in sending funds to it. That should create some kind of response. Failing that, a visit to a DWP ofice to explain, I can't believe there isn't a procedure for this, you cannot be the only person who ever needed to redirect funds!

 

Yes that's true. When I change bank account details I told them no funds should be transferred to the old account, I was told that was no problem as they do have the facility to ensure this doesn't happen:)

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Suggest you read the tale of a dodgy default notice thread

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Well their arrogance knows no bounds.

 

After them trying to hold my benefits to ransom and them eventaully agreeing this encashment, I called Thursday morning as instructed only to be told I could not get any money until Friday!

 

Oh, its our systems, we have to be sure the payment has 'cleared' so there is an extra delay. I explained I was told to phone Thurs, I have 3 children and now no money. Phone monkey says it's not his problem and nothing he can do....refuses to let me speak to a manager and tries to stone wall me. I tell him I am recording the call and he gets upset (awwww) and sniffy.

 

Called Customer Relations and advised her that their staff have left my 3 children with no money and demanded money from me before they would allow me my benefits to live on...which is blackmail....and I recorded every word. Huge sigh from the other end and within 10 mins I had access to my money.

 

She could see that the accounts were closed early and could not understand why they wouldn't fix that. She also said that as i am disputing the account due to no cca their solicitors would be writing to me?

 

Okly...bring it on.

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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If the credit was by BACS there is no clearance period. Although they like to leave it till the day after it has arrived, technically you could access the funds within minutes of arrival.

 

Yet more ammo for your argument. Hardly "treating customers fairly" is it?

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If the credit was by BACS there is no clearance period. Although they like to leave it till the day after it has arrived, technically you could access the funds within minutes of arrival.

 

Yet more ammo for your argument. Hardly "treating customers fairly" is it?

 

Oh, good point. It was tax credits and they are paid BACS...thank you :-)

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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